Mutemo weBurumende unobvumira chikwereti chekubhadhara chikwereti kutora chikwereti chechikwereti chekuda kana iwe ukava mazuva anopfuura makumi matanhatu uchitsauka pane yako yekubhadhara kadhi rechikwereti. Sezvinorehwa nezita, iri rudzi rwechirango chekubhadhara kadhi kadhi rechikwereti. Iwe unorasikirwa nehuwandu hwekuda iwe huri kunakidzwa iye zvino, kunyange huri huwandu hwekutsvaga , uye mhaka dzako dzemari dzichaverengwa pasi pemutengo wepamusoro wepamusoro unenge mwedzi mitanhatu.
Ikozvino kwemazuva makumi matanhatu ekudarika kwemaitiro kunopfuura zvakanyanya kudarika yemhizha inowanzobva mumakore mashomanana adarika apo kadhi rechikwereti rakabudisa chikwereti chechirango mushure mekunge iwe usina kukwanisa kubhadhara. Nguva yakawedzerwa yekudengenyeka pamberi pechirango chechikwereti chaigona kuiswa chaiva chimwe chezvishandisi zvekodhi kadhi rechikwereti chaisanganisira muCredit CARD Act ya 2009 .
Chirevo kumwedzi weMwedzi mitanhatu Penalty Rate Expiration Rule
Chirango chechikwereti hachizoperi nokusingaperi sezvakaitwa mumakore apfuura. Mutori wemakadhi anodikanwa kuderedza chirango chako chekudzokera kumutengo wenguva dzose mushure mekunge waita zvikamu zvitanhatu zvakatevedzana panguva yakabhadhara, asi izvozvo zvinongoshanda chete kumari yakange iripo apo chirango chakanga chiripo. Iyo haisi kushandiswa pakutenga kwakaitwa mushure mokunge chirango chechirango chave chakabudirira. Vakawanda vane kadhi rechikwereti vanotora chikwereti chechikwata chekutenga zvitsva uye vachiramba vachikuranga pamusana pemhosva yako yemwedzi miviri chero bedzi uchishandisa kadhi iroro.
Verenga mazita ako kadhi rechikwereti (inowanikwa pawebsite yekwereti yekwereti, inowanika pachikumbiro, kana muDhipatimendi reDhipatimendi rekukweretesa kadhi rechikwereti) kuti udzidze chirango chako chechikwereti uye kana kadhi yako yakagadzirisa inobva ichinyatsogadziriswa kutenga zvitsva. Chikamu chakanyora "Chirairo chako chechirwere uye kana chinoshanda" chichajekesa kana chichishanda kana chirango chako chinogona kushandiswa nokusingaperi.
Iva nechokwadi kuti unonzwisisa chinokonzera chirango chekuripira, sekubhadhara nguva pfupi, kuva nemari yekudzoka, kuenda kune chikwereti chako chemari kana zvose zviri pamusoro apa. Kana uine kadhi yemakadhi echikwereti kana zvikwereti nemumwe mukwereti, kukanganisa pane imwe yezvinyorwa izvi kunogona kutora mutengo wekutengesa pane imwe kero. Cherechedza kuti kadhi rechikwereti hazvikwanisi kubvumidzwa kukwidza chiyero chako zvichienderana nezviito zvako nezvikwereti nevamwe vanokweretesa nevakweretesi (mutsika uyu waizivikanwa sezvose zvachose ).
Penalty Rates kubva kuMukuru MaKadhi Akakwereta
Pano pane zviyero zvechirango kubva kune vashomanana vakuru vekadhi rechikwereti (saNovember 2013):
American Express: Kana Mutemo APR uchishandiswa, ichashandiswa kwemwedzi mitanhatu. Isu tinosangana neAkaunti yako mwedzi mitanhatu mushure mekunge Mutemo wePAP uchishandiswa. Iyo Mhosva APR icharamba ichishanda kusvikira mushure mekunge maita zvikwereti zvenguva yakakodzera, musina kubhadharwa mari mukati memwedzi mitanhatu iri kuongororwa. Iyo Mhosva APR inoshanda kune zvikwereti zviripo chete kana kubhadhara kwemazuva makumi matanhatu apera.
Bhizinesi reAmerica: Kana APRs yako ichiwedzerwa, Mutemo wePAP uchashanda nokusingaperi. Mutemo wako APR haungapfuuri 29.99% pamitambo itsva. Hapana hutachiwana APR pane zviyero zviripo.
Imwe Chete: Kana APRs ichiwedzerwa kubhadhara inenge ichinonoka, Mutemo APR ungashanda nokusingaperi. Capital One ichadzoka nguva nenguva kugadzirisa chero upi hwekuwedzera kuakaunti yako kuitira kuti inogona kuderera.
Tsvaga: Kana APRs yako ichiwedzerwa kune chimwe chezvikonzero izvi, Mutemo wePAP uchashanda nokusingaperi. Zvikonzero ndezvokukundikana kutora chikwereti chiduku pane nguva, kudarika chikwereti chako chakanaka (kana zvichibvira), kuva nechibhadzo chakadzoka, kana kuita chimwe chezvinhu izvi nedzimwe sarudzo Chase.
Citi: Kana APRS yako ichiwedzerwa kune chimwe chezvikonzero izvi, Mutemo weAPAP unogona kushanda nokusingaperi. NeCiti, zvikonzero zvechirango chechirango ndeyekupedzisira kana kubhadhara.
Tsvaga: Hapana chirango cheDhivhodhi iyo
PenFed ine imwe yenzira yakawanda yePamende APR zvinyorwa: Kana bhadhari yako shoma isingagamuchirwi mukati mememazuva makumi matanhatu, iyo yose yekodhi inogona kuchinja kune yekusagadzirisa Mutemo APR.
Mutemo wePAP ucharamba uripo kusvikira iwe uchiita mitezo mitatu yekuenzanisa pamwedzi pamusi kana zuva risati rasvika.
IberiaBank na Wells Fargo havasi kunyora chirango chePAP muchechi dzavo dzekadhi rechikwereti.
Kana Iwe Ukawana Chirango Chacho Chasiri Kupera
Kana iwe ukatora chikwata chechikwereti pane kadhi rechikwereti rinosiya mazviri zvachose nekusingaperi, ona kuti zvose zvako zvitsva zvinotenga zvichatswa chikwereti kune vakakwirira APR, kunyange mushure mokunge mutengo wekuripira wapedza nguva yako yekare. Mhosva yako itsva ichava nemari yakakwirira kwazvo uye ichava yakadhura kubhadhara. Izvi zvinoreva zvakare kuti iwe uchatakura zviyero nezvikwereti zvakasiyana-siyana uye zvikwereti zvako zvinowanikwa pasi pekubhadhara kupiwa mitemo . Mari shoma shoma ichaenderera mberi kusvika kune chikamu nechezasi inotora chiyero. Kubhadhara chete pamusoro pezvishoma kunoderedza kuwedzera kwehuwandu.
Kuva iyo chirango chechirwere chinowanzosvika kusvika 30%, uye dzimwe nguva yakakwirira, kusika zviyero zvitsva pasi pechido chechibereko hachisi kuchenjera kunze kwekuti iwe uronga kubhadhara mari yako yakazara mumwedzi wega wega.
Iva nechokwadi kuti unonzwisisa kuti zviito zvinokonzera chirango chekuti iwe unogona kudzivisa kuve yakagadzirirwa zvachose, kunyange kana ikapera pashure pemwedzi mitanhatu pane yako kadhi rechikwereti. Kune makadhi emakwereti asina chikamu chechirango, cherechedza kuti pane zvingava nemari yekuripira pane, semuenzaniso mubhadharo wekubhadhara kwekupedzisira, izvo zvisingabatsiri zvakafanana.