Mari. Ndicho chimwe chezvinhu zvevashandi vechikwereti vanofanira kubhadhara zvakanyanya nekadhi rechikwereti. Mhando dzakasiyana dzemakadhi emakwereti anotengesa marudzi akasiyana emari yemari uye vazhinji vavo vanodzivirirwa. Nzira yakanakisisa yekudzivirira mari yechikwereti chekwereti ndeyekuziva zvavari uye kana pavanenge vapomerwa. Nenzira iyo, unogona kugadzirisa kuti unoshandisa sei kadhi rako rekwereti kuti usanyanya kubhadhara mari.
Chibvumirano chako chekadhi rechikwereti ndiyo nzvimbo yakanakisisa yekuwana ruzivo rwemari yakakweretwa pane kadhi rekwereti. Iwe unogona kuwana kopi yepaIndaneti kana kutumira kadhi rako rechikwereti uye wakakumbira kuti atumire kamwe chete kwauri. Heano ndiyo inowanzodiwa mari yechikwereti uye mazano ekudzivisa.
01 Gore Rega
Haasi ose makadhi echikwereti ane mari yegore negore. Iwe unogona kutarisira mari yegore negore pane yakachengetwa makadhi emakadhi, mamwe makadhi ekubhadhara makadhi, makadhi ekubhadhara, uye makadhi ekukwereta.
Nhamba yebhadharo yegore negore yakasiyana. Inogona kunge yakaderera se $ 19 kana yakakwirira se $ 500, zvichienderana nekadhi rechikwereti. Kune mamwe makadhi emakwereti, mari yegore negore inokosha, kunyanya kana zvikomborero zvekadhi zvinodarika mari. Kana uri kuedza kugadzirisa zvakare nhoroondo yakaipa yechikwereti, ungafanira kutanga nekadhi rechikwereti rine mari yegore negore kusvikira unokwanisa kuwana chimwe chinhu chiri nani.
Vamwe vane kadhi rechikwereti vanokonzera mari yegore yegore rokutanga, vachikupa mukana wekufarira kadhi rechikwereti asati aifanira kubhadhara mari yazvo.
02 Kuenzanisa Kwekubhadhara Mari
Mari yekubhadhara inodhadharwa inoshandiswa pakuenzanisa kushandiswa kwekutengesa - mutengesi unokubvumira kuti uende kune chikwereti kubva kune imwe kadhi rechikwereti kune imwe.
Mari yacho inenge muzana yemari yekutsvaga, kazhinji 3 muzana yemari yekutengesa kana $ 5, chero ipi zvayo. Iyo yakakwirira chikamu chauri kuendesa, iyo yakakwirira mari yako yekubhadhara mari ichave.
03 Cash Advance Fee
Mari inotangira mari inotengesa mari inenge ichibhadharwa chero nguva iwe paunenge uchiita mari yekushambadzira kana kutengeserana kwakafanana. Semuenzaniso, kuchengetedzwa kwe-overdraft uye kadhi rechikwereti zviri nyore kuongororwa mari inotangira kushandiswa.
Mari inotangira mberi inowanzosvika 5% yehuwandu hwekufambisa kana $ 10, chero ipi zvayo.
Mari yacho inobhadharwa kamwe chete pamusana pekutengesa mari uye pamusoro pemari ipi neipi yeATM inobhadhara kubvisa mari. Iwe unogona kudzivisa mari yekutanga kushandiswa nekudzivisa mari inotangira kushandiswa - izvo zvakanakisisa sezvo mari yakatarisa mari yakatarwa inobhadhara chikwereti chisina nguva.
04 Expedited Payment Fee
Imari yekubhadhara yakaderedzwa inobhadharwa kana uchida kugadzira kadhi rekukwereta kadhi rechikwereti nefoni kuti urege kunonoka.
Mari yacho ichava yakapoteredza $ 10 kusvika ku $ 15 asi haina mari shoma kudarika mari yekubhadhara nguva pfupi.
Unogona kudzivisa mari yekubhadhara yakaderedzwa kuburikidza nekuita chikwereti chako chekwereti kare pamwedzi. Zvisinei, kana uchida kugadzirisa mubayiro wemaminitsi ekupedzisira, mari yekubhadhara yakaderedzwa inotora mari yekubhadhara yakapera.
05 Financial Charge
Zvikwereti zvemari ndezvokubhadharwa kwemwedzi pamwedzi kunowanikwa ku-akhawunti yako kuitira nyore kutakura chikwereti chekadhi rechikwereti kupfuura nguva yenyasha .
Iwe uchava nemari yekubhadhara mari yakawedzerwa kune rako rega mwedzi chero ipi zvayo usingabhadhari bhadha yako yakazara kunze kwekuti iwe uri pasi pe0% yehuwandu hwekuratidza kukurudzirwa.
Nhamba yemari inoendeswa mberi inobva pane yako kadhi rechikwereti APR, chikamu, uye kadhi rako rekwereti yekuverenga mari yekubhadhara mari .
Iwe unogona kudzivisa kubhadhara mari yekubhadhara mari nekubhadhara yako mari yakazara mwedzi mumwe nomumwe.
06 Kutengeswa kwenyika kunze kwenyika
Kutengeserana kwenyika kune dzimwe nyika kunowanikwa apo iwe unotenga mune imwe nyika mari. Iwe unogona dzimwe nguva kubhadhara mari yaunenge uine iyo pasinei nenzvimbo yako chaiyo kana mutengesi uri mune imwe mari kunze kweAmerica madhora.
Mamwe makadhi emakadhi haatengi mari yekubhadhara kune dzimwe nyika, asi iyo inowanzoita, inowanzobhadhara 3 muzana yemutengo wekutengesa.
Kana uri kuenda kunze kwenyika uye uchida kudzivisa kubhadhara mari yekutengeserana kune dzimwe nyika, tarisa kadhi rechikwereti risingabhadhari mari.
07 Kupfuura-iyo-mubhadharo
Pamusoro pemiganhu yemari, inopomerwa kana iwe ukadarika chikwereti chako chekwereti, hachina kufanana sezvo Chikwereti CARD Act cha 2009 chakapfuura. Uyu mutemo unoda iwe kuti usarudze-kupinda kuti uve ne-over-the-limit transactions yakagadzirwa vasati vatengesa kadhi rechikwereti vanokwanisa kutengesa mari yepamusoro-iyo.
Kune makadhi emakwereti ayo anotengesa mari yacho, inogona kungova yakadarika $ 35 uye inogona kukweretwa chete kusvika kumabhiriji maviri ekubhadhara kuti bhaari yako inoramba iri pamusoro pemuganhu.
Iwe unogona kudzivisa kubhadhara kune-iyo-mubhadharo nekuchengeta kadhi rako rechikwereti chikwereti pasi pekukwereta kwekwereti kana kusarudza-kubva-iyo-mubhadharo. Cherechedza kuti kusarudza kunze kunoreva kuti kutengeserana kunopfuura kudarika chikwereti chako chekwereti kucharehwa.
08 Zuva Rokutanga
Mari yekupedzisira inobhadharwa mwedzi chero upi zvaunotora chikwereti chako chekwereti chekwereti hachina kuitwa nezuva rakakodzera. Anenge kadhi kadhi rechikwereti rine mari yakanonoka - kuwana waives yekupedzisira kwekubhadhara kwevanokwereta.
Mari yako yekupedzisira inogona kusvika kusvika ku $ 27 kunze kwekuti iwe wakanonoka mumwedzi mitanhatu yapfuura, iyo iyo inogona kusvika kusvika $ 38. (Iyi mihoro yakaderedzwa nguva refu inogona kugadzirisa kana kupera gore rimwe nerimwe nehuwandu hwemari.) Mari yekupedzisira inobhadharwa kamwe chete pamutambo wekubhadhara wave wakanonoka kusvika pane imwe nguva kadiro yako yekwereti inodhadirwa-iyo, inoitika mushure memwedzi mitanhatu past due.
Iwe unogona kudzivisa kubhadhara kunonoka nekuita chikwereti chako chekadhi rechikwereti panguva. Kana iwe uchifunga kuti uchava nematambudziko ekubhadhara kadhi rako rechikwereti, taura nekadhi yako yekwereti kare kare kuti uite gadziriro yekubhadhara. Iwe unogona kukwanisa kubhadharwa mari yekutengesa kwekukurumidza kana iwe ukashevedzera uye kana iwe usati wagara uchinonoka.
09 Kudzorerwa Kutengesa Mari
Mari yekudzoka yakadzoka kana kubhadhara mari yekubhadhara inotorwa apo bhenji yako inodzorera kadhi yako yekwereti yekwereti, somuenzaniso kana pasina mari yakakwana munyaya yako yekuvhara kubhadhara.
Mari yekudzoka yakadzoka inogona kusvika ku $ 35 uye inopomerwa nguva imwe neimwe apo kubhadhara kwako kuchidzorerwa.
Iwe unogona kudzivisa mari iyi nokuita kuti ave nechokwadi chokuti ane mari yakakwana muongororo yako yekuongorora usati waita chikwereti chako chekadhi rechikwereti.
10 Muchidimbu Mafaro Anowirirana
Vamwe vane kadhi rechikwereti vanogona kutengesa mamwe mari, asi mari iyi haina kufanana.
- Mari yekushanda kana yekugadziriswa iyo imwe nguva yekubhadhara mari inongororwa chete yekukumbira kadhi rechikwereti, kana iwe unobvumirwa kana kwete. Iyi mitero inowanikwa yakawanda nekadhi kadhikiti inotarisirwa kune vakakumbira vane chikwereti chakashata.
- Mari yechikwereti yekuwedzera mari inowanikwa apo iwe uchikumbira kuti chikwereti chako chikwerere chiwedzere.
- Chikwereti chekubhadhara chikwereti chinogona kubhadharwa kana uchida kuti chikwereti chako chikwanise kushandiswa munguva shoma kubva pawakapedzisira kubhadhara kadhi rechikwereti.