Kushandisa makadhi ekubhadharwa seimwe shanduro yemakadhi emakadhi emakadhi
Zvakanaka nyore kuoneka purogiramu yebhadharo yekadhi rechikwereti chairo. Pamusoro pezvikwereti, makadhi akabhadharwa anotarisa zvakafanana kune makadhi emakwereti uye anogona kushandiswa munzvimbo dzakawanda dzinogamuchira makadhi emakadhi. Semuenzaniso, unogona kushandisa kadhi yakabhadharwa yebhadharo yemotokari, hoteti yepahotera, mabhuku edieni uye kutengesa zvakasiyana-siyana kwepaIndaneti.
Iwe unogona kuwana kadhi yakabhadharwa kunyange kana iwe uine chikwereti chakaipa. Zvisinei, sezvinoratidzwa nezita racho, haugoni kushandisa iyo kunze kwekuti iwe wakabhadhara mari pane kadhi.
Sezvo ichi chiridzwa chemari hachikubvumiri kutakura chikwereti chikwereti uye kubhadhara gare gare, haisi yechokwadi kadhi rechikwereti.
Kadhi Yokubhadhara Rinoshanda Sei?
Nekadhi rakabhadharwa, unowedzera mari kwauri sezvaungaita nekadhi rechipo. Zvadaro paunenge uchishandisa kadhi yako yekubhadhara, mari yako yekutenga inodururwa kubva pachiyero. Sezvaunoita zvakawanda kutenga, bhaari yako iripo inowedzera kuderedzwa.
Ngatitii, somuenzaniso, iwe uisa $ 300 muhodhi yako yepayidi. Mushure mekubhadhara madhora 150 nekutora motokari, iwe unongova ne $ 150 chete yakasara kuti upedze. Kana uchinge washandisa mukana wako wose, unodzosera zvakare mari yakawanda muhodhi yepayidi usati waigona kushandisa zvakare.
Nokuenzanisa, kadhi rechikwereti rinokupa chikwereti chekwereti chaunogona kukwereta kune zvaunotenga. Iwe une mukana wekubhadhara zvaunotenga nemagetsi emwedzi, kana kamwe kamwe.
Kutarisira kadhi yako yekubhadhara kwakafanana nekugadzirisa chekuongorora kana kuti kuchengeta kambani pane kutarisira kadhi rechikwereti.
Iwe haufaniri kunetseka nezvemari yemhosva kana kutora nguva . Kushandisa kwako muganhu kunofananidzwa chero ipi zvayo ye dollar inowedzera kadi yako yako ikozvino. Iwe hauchazove nekuwedzera kwakakwereta chikwereti chikwereti , mari shoma inoda kubhadharwa kana mazuva aunofunga nezvazvo, uye hapana ngozi kune yako chikwereti chikamu.
Vanhu vangafunga nezvemakadhi aya sekubhadharwa makadhi emakwereti nokuti makambani akawanda emakadhi anoshandisa maWebheti okubhadhara eVisa, Mastercard kana American Express uye anoratidza chiratidzo chinowirirana pameso emakadhi avo.
Kutaura zvazviri, kadhi rakabhadharwa rinonyanya kufanana nekadhi yebhadhibha nokuti zvese zvinotapudza zvinoderedza mari yako, asi panzvimbo yemari inobva kubhengi rebhangi, inobva kune mari yawakamboisa pane kadhi.
Zvinowedzera Zvakadii?
Makadhi akabhadharwa anogona kuuya nemari yakasiyana-siyana. Usati wasarudza kadhi, verenga "chinyorwa chakanaka" uye sarudza kadhi rine mari shomanana yemari, kuitira kuti vasaidya chero mari yaunenge waisa pakadhi.
Semuenzaniso, Account Now Prepaid Mastercard inokwereta mari yemwedzi we $ 995, mari yekubhadhara ATM ye $ 2.50 pamubatanidzwa, kusvika pamadhora $ 4.95 kuti udzorezve mari yakawedzerwa kune kadhi, $ 2.50 yega yega yeACH transaction kuri account yako, $ 1.50 kuti uite chiyero chekubvunza paATM uye $ 1.00 pamusangano wega wega wega wega wega wega. Nguva imwe neimwe yaunowana mari, inobva pakurema kwako, zvichikupa zvishoma kusara mari yekushandisa.
Sezvo mutengo unotamba basa guru mubhadharo yekubhadhara iwe unosarudza, iva nechokwadi chokuti iwe unonyatsoteerera purogiramu yekubhadhara yemakadhi chero ipi zvaunofunga. Vakawanda, vakadai seBluebird neAmerican Express kana kuti Akimbo kadi yekubhadhara, havatombobhadharwi mari uye vanochengetawo mamwe mari kumusana.
Ndiani Anoshandisa Makadhi Akafanogadzirira?
Iwe unogona kushandisa kadhi rakabhadharwa kana bhangi rako risina kupa mabhiridhi debit uye iwe hauna kadhi rechikwereti rechikwereti, kana kana iwe usingakwanisi kuwana keri yekuongorora nokuti une chikwereti chakaipa ne ChexSystems.
ChexSystems inocherechedza vanhu 'kuongorora uye kuchengetedza basa rekuita kuti varatidze vatengesi nezvevanhu vanonyora zvakaipa checks pavanotenga kutenga.
Vadzidzi uye vadzidzi vekukorovheni vanoitawo kuti vatsvake vakanaka vabhadharwe makadhi ekubhadhara. Vabereki vanogona kuisa mari pakadhi yevana vavo vaduku kuti vashandise, uye kutanga kuvadzidzisa hutano hwakanaka hwokugadzirisa mari. Kuvadzidzi vekukoloni, vabereki vanogona kutora zvakare mari mumakadhi vachibvumira vadzidzi kuti vabhadhara mabhuku, zvokudya, uye zvinoramba zviripo.
Sezvo makadhi ekubhadharwa akazova akawanda anozivikanwa, haasi kungoshandiswa nevanhu vane mari yakaipa chikwereti kana avo vasingakwanisi kuwana kero yekuongorora. Vamwe vanhu vanoshandisa makadhi ekubhadhara kuitira kuti vabatsire kutarisira bhajeti yavo.
Semuenzaniso, unogona kutakura mari yakawanda yezvigadzirwa zvekutengesa, kudya kana kugadzira kune kadhi rakabhadharwa kubhadhara kubva pakuwedzeredza mari yako yemwedzi.
Vamwe vanosarudza makadhi ekubhadharwa kare nokuti vaneta nokuwana mari yepamusoro yekushandiswa kubva kushandiswa vasingazivi bhizimisi ravo rakananga.
Ichakubatsira Kuwedzera Chikwereti Here?
Iwe unogona kuwana kadhi yekubhadhara zvisinei nokuti iwe chikwereti chenhoroondo . Vapiro havatarisi chikwereti chako nokuti hausi kukwereta mari, saka makadhi akabhadharwa haazokubatsiri kusimbisa kana kuvandudza chikwereti chako .
Kushandisa kadhi yakabhadharwa hakuiti chinhu pamusoro pekukwereta kwako kana kubhadharwa, saka makambani emakadhi haana chaanokwanisa kutaurira kune mari yechikwereti . Muchidimbu, kana ukashandisa kadhi yakabhadharwa, haichazovi nechinokera pane yako chikwereti chikwata, chakanaka kana chakaipa.
Kana uri kutarisa kuti uvakezve chikwereti chako, funga nezvekadhi rakachengetedzeka rekwereti sechinosarudza zviri nani. Izvo zvakafanana nekadhi rakabhadharwa mukuti iwe unofanirwa kuita mari kuti uwane kadhi asi chaizvoizvo kadhi rechikwereti. Iko mari yacho inobhadhara kana iwe usingabhadhari kadhi rako rechikwereti , uye nhoroondo yako yekubhadhara inowanzonzi kumabhadharo ebhadhara.