Iwe unogona kunge wakaverenga kuti kuvhara kadhi rechikwereti kunogona kukuvadza chikwereti chako chikoro, asi zvinoreva here kuti unofanira kusiya makadhi emakadhi akashama nokusingaperi kuti udzivirire chikwereti chako chikoro? Kana uri kuedza kuchengetedza chikwereti chako muchikwereti chakanaka, kuziva kuti iwe unofanira kuchengeta kadhi rechikwereti rakasununguka rinobatsira sei kuti usarudze kuti chikwereti chekwereti chekwereti chinoramba chakazaruka uye chaungavhara.
New Credit Cards
Kana iwe uchangotanga kushandisa chikwereti uye munguva pfupi yapfuura uine kadhi rako rechikwereti rokutenga , iri kutengesa kuchengetedza kadhi iroro rakazarurirwa kwemwedzi mitanhatu.
Ndicho chikamu chakanaka chenguva yako yekuvaka chikwereti chenhoroondo kuti uverenge chikoro chekwereti. Chengetedza kadhi rako rechikwereti rokutanga rakavhara zvishoma kusvika uwana imwe kadhi rechikwereti.
Makomborero Makadhi Makadhi
Kuvhara mubairo wako kadhi rechikwereti kungaita kuti iwe uwane mibairo yausina kushandisa zvakare. Kana iwe wakashandura bhonasi yakanaka yekunyora kana iwe wakawana mibayiro pamusoro pemwedzi yakawanda yapfuura, chengetedza kadhi rako rechikwereti rakavhara kwenguva yakakwana yekushandisa mibairo yako. Tarisa mitsara yemararamiro ako purogiramu yekudzidza kana iwe uchikwanisa kutora mubairo wako pane imwe chirongwa chemubayiro.
Usati Wakashandisa Kadhi Kadhi
Makadhi emakwereti asingashandisi anotakura njodzi yekunyengera. Kana iwe usingashandisi kadhi rechikwereti zvingakutora nguva refu kuti uone mashandiro ekunyengera. Uyezve, yako kadhi rechikwereti anogona kupa kana kubvisa kadhi rako rechikwereti kana iwe usingashandisi kwemwedzi inoverengeka. Shandisa zvikwereti zvekwereti nenguva uye nguva dzose uverenge zvinyorwa zvako zvekubhadhara , kunyange iwe uchifunga kuti une zero muyero.
Kuchengeteka kana Mamwe Makadhi eChechi yeBad Credit
Kuvakazve yakaipa chikwereti chinyorwa dzimwe nguva zvinoreva kugamuchira makadhi echikwereti ane mari yepamusoro yekutora, chikwereti chekwereti, chikwereti chegore, kana kuchengetedzwa kwemari. Kunyange zvazvo makadhi echikwereti akakurudzira kuratidza kuti wakagadzirisa mararamiro ako akaipa, haasi varindi.
Unogona kuvhara chimwe chezvi "kutanga" makadhi echikwereti pakarepo iwe unokwanisa kukodzera chimwe chinhu chiri nani. Paunenge uchivaka kana kuvakazve chikwata chako chekwereti, chinangwa chekukwanisa kuwana makadhi ekukwereti ari nani uye akanaka.
Low Limit Credit Cards
Marikiti yemakadhi ane chikwereti chechikwereti chakadererawo inofanirwa kuvhara, kunyanya kana mune dzimwe makadhi emakwereti ane mirefu yakakura. Hakusi kuti muganhu wepakati makadhi ekukweretesa ari kukuvadza chikwereti chako chikwereti, kungoti iyo makadhi emakwereti ane mitemo yakaderera haikubatsiri iwe. Zvichida kuti muganhu wenyu wakaderera makadhi makadhi makachengetedza makadhi emakwereti ane mari yepamusoro yemari uye haisi iyo yakanakisisa makadhi emakwereti pakutanga. Kunyanya, chikwereti chikoro chiverengi chinopa uremu hushoma kuchengetedza makadhi emakadhi, saka hausi kuwana kukura kukuru kubva pakuva navo.
Pashure peKubhadhara Kwekupedzisira
Paunenge uchinge wabhadharwa mari yekupedzisira kana chikwereti chako chisina kugamuchirwa nezuva rakakodzera, zvikwereti zvekwereti hazviziviswa kusvikira iwe uchibhadhara mazuva makumi matatu apfuura. Zviviri zvekubhadhara zvishoma, zvisinei, zvinogona kutungamirira kune chido chekuwedzera chikwata icho chichagara mwedzi mitanhatu. Kana mabhidhiro ako ekadhi rechikwereti achibvumira chikwereti chekwereti chikwereti kusiya chikamu chechirwere chaicho zvachose , unogona kufunga kubhadhara chikwereti nekuvhara kadhi rechikwereti.
Ramba uchifunga kuti kupfigira kadhi rako rechikwereti hausi kubvisa chikwereti chekwereti kubva kumukwereti wako wekwereti. Izvo zvikwereti zvishoma zvicharamba zvichitaurirwa kwegore rechinomwe chikwereti chekubika chikamu nguva.
Credit Score Impact
Kusarudza kusachengeta kadhi rechikwereti rakazaruka kunogona kukanganisa chikwereti chako, kunyanya kana kadhi rako rechikwereti rine mari yakawanda yekwereti iripo. Chikwereti chako chikoro chinobatsira kubva pakaderera chikwereti chekushandisa ; apo chiyero chemakero ako ekadhi rechikwereti kune chikwereti chekwereti chiri pasi. Rudzi urwu rwekadhi rechikwereti runobatsira chikwereti chako kuti chinonyanya kunyanya apo mamwe emamwe makadhi ako ekwereti ane zviyero; chikwereti chiripo pane imwe kadhi rechikwereti chinoderedza yako yose chikwereti kushandisa. Asi kana zvikwereti zvako zvekadhi rechikwereti zvakaderera, kureva kure pasi pe30% zvekwereti chekwereti, kuvhara kadhi rimwe chete hakufaniri kukuvadza chikoro chako.
Kudzokorora Makadhi Makadhi Ako
Kuchengetedza makadhi ako ekwereti hazaruri hazvizokuvadza chikwereti chako. Dzokorora zvikwereti zvako zvekwereti nguva nenguva kuti uenzanise nemashoko pane imwe neimwe. Unogona kufunga nezvekuchengetedza avo vane purogiramu yakaderera, zvikwereti zvikwereti, kana purogiramu yakanakisisa yekupa mubayiro nekuvhara zvese.