Nhamba dzezvikwereti pamakadhi emakwereti uye zvikwereti hazvigadziriswi.
Mabhangi anoshandisa chikwereti chenhamba yako - nhamba iyo inoyera kukoshesa kwako chikwereti - seimwe yezvinokosha pakugadzirisa kuisa chido chako chekuda.
Mabhenji Anoshandisa Sei Chikoro Chikoro
Chikoro chako chekwereti - chikwata cheFICO, zvishoma-kubva pa300 kusvika ku850. Zvikwereti zvepamusoro zvakanakisisa nokuti zvinoratidza kuti wakabata chikwereti zvakanaka munguva yakapfuura uye iwe unogona kubhadhara chikwereti chitsva panguva. Chikamu chikwereti chikamu chinoratidza kuti iwe wakaita zvikanganiso zvakakura munguva yakapfuura uye kuti iwe haungakwanisi kubhadhara yako yose kana iwe wapiwa chikwereti chitsva.
Mabhangi anongedzera kudiwa (iyo APR kana gore roga roga purogiramu) zvichibva pangozi yaunoisa. Iyo yakanyanya kukweretwa mari yechikwereti iwe unoita seye, iyo inokunda chikamu chako chekufarira chichava. (Kana, kana chikwereti chako chakakosha, iwe unogona kurambwa.) Kune rumwe rutivi, kana une chikwereti chekwereti chakaderera (chinomiririrwa nekodzero yekwereti), iwe unowanzokwanisa kuwana chidimbu chechikwereti.
Your Credit Score uye Credit Card Rates
Kadhi kadikiti vanobudisa pachena inoratidza huwandu hwenharaunda dzinogona kuwanikwa nekadhi yekodhi . Somuenzaniso, kadhi inogona kuzivisa 13,99 kusvika ku22,99% APR zvichienderana nekwereworthiness . Apo APR yako yekupedzisira ingangowira mune imwe nzvimbo yakatarwa maererano nekwereti yako chikwanganiso uye zvimwe zvipingamupinyi.
Kadhi yevabudisi havazi kuzivise kuti chii chikwereti chikamu chichakupa imwe chikwata chekufarira. Izvozvo hazvizogadziriswa kusvikira waita kadhi rechikwereti. Munowanzo, kana iwe une chikwereti chekwereti yakanaka, unogona kutarisira kugamuchira APR yakadzika, kana kuti ine chikwereti chakaipa chikamu, uchagamuchira yakakwirira APR.
Chikwereti chekwereti chinobata sei mari yechikwereti
Nekubhadhara, inhamba yehuwandu inowanzotengeswa pane nzvimbo. Kana iwe uine chikwereti chakanaka chekwereti, iwe unogona kukodzera chiyero chiri pane kana pasi pevhareji. Kana, nechakaipa chikwereti chikoro, unogona kupedzisira uine chiyero chepamusoro pane chiyero. Bankrate.com inokubvumira kutsvaga zvikwereti munzvimbo yako zvichienderana nekwereti yako chikoro. Izvozvo zvichakupa pfungwa iri nani yehuwandu hwekuda iwe waunokodzera.
MyFICO.com ine chikwereti chekukwereta chikwata chicharatidza kuti unogona kuchengetedza mari yakawanda sei pachikwereti chinoenderana nemari yako chikoro. Ikokurota inoratidzira sarudzo yeApris uye kubhadhara kwemwedzi pamwedzi kwekutengesa kana motokari yemari pamwe nenguva dzakadzokidzwa dzokubhadhara pamakero akasiyana-siyana emakero. Kana iwe uchiziva chikwereti chako chikwereti ikozvino, iyo calculator inokwanisa kukupa kukosha kwemashoko aunogona kutarisira. Zvisinei, iwe hauzombozivi APR yako chaiyo kusvikira iwe ukashandisa uye inobvumirwa kune chikwereti.
Apo Chikwata Cheko Chako Chikaitika Mukushamwaridzana Zvakaipa
Mabhangi anodikanwa kukupa kopi yako yakasununguka yekwereti yako chikwanganiso apo inokutungamirira iwe kubvumirwa kuti uwane chikamu chakanaka chechibereko.
Iko chikwereti chikwangwani chitsanangudzo chichabatanidzawo zvishoma nezvezvinhu zvinotyaira chikwereti chako chekwereti.
Kuti uwedzere mikana yako yekuwana chido chakanaka, iwe unogona kupedza mwedzi mishomanana kushanda kukwidza chikwereti chako . Zvinonyanya kukosha nekweretesa chikuru sekutora chikwereti apo chikwereti chiduku chekwereti chingawedzera kukubhadhara kwako kwemwedzi nemazana emadhora uye kutungamirira iwe kubhadhara zviuru zveumwe mukufarira pamusoro pehupenyu hwechikwereti.