Kushandisa Makadhi Makadhi

by LaToya Irby

Mazano Anokosha Okushandisa Chikwereti Makadhi Nokuchenjera

Kushandisa kadhi rechikwereti kunoratidzika nyore. Uchiputire kubva muchikwama chako, shandure iyo kuburikidza nemudzidzi wekwereti yemukwereti (kana kuisa iyo kana wakagadziridzwa kune kadhi kadhi rechikwereti ye EMV ), uye enda nekutenga kwako.

Dai chete zvaiva nyore! Kuziva zvose zviripo kuziva pamusoro pemakadhi ekwereti ndicho chinhu chikuru chekugara kunze kwekadhi rechikwereti chinetso.

Nheyo dzeKushandisa Makadhi Makadhi

Kadhi kadikiti vanobudisa mari vanoita chikamu chechikwereti chinowanikwa kuti iwe ukwereke kubva nekudzoka.

Zvose zvaunofanirwa kuita ndezvipi zvinonamatira kumagwaro esungano yechikwereti chekwereti. Izvozvo zvinowanzoreva kubhadhara nguva, kugara mukati mekwereti yako chikamu, uye usingashandisi kadhi rako rechikwereti kuti uite unyengeri kana kutenga zvinhu zvisiri pamutemo.

Kutenga kunowanikwa pakadhi rako rechikwereti kunofanira kubhadharwa, asi wako kadhi rechikwereti anopa iwe sarudzo yekubhadhara chikoro chako munguva. Iwe unogona kuramba uchishandisa kadhi rako rechikwereti kunyange kana iwe uine muyero chero bedzi iwe uine chikwereti chakakwana chekuwana . Semuenzaniso, kana chikwereti chako chikwereti cha $ 1 000 uye chikamu chenyu chiri $ 400, iwe uchiri ne $ 600 muchikwereti chinowanikwa mune zvekushandisa munguva yemberi.

Kana ukasarudza kubhadhara kwenguva, iwe unofanirwa kuita zvishoma zvishoma pamwedzi kubhadharwa nezuva rakakodzera mwedzi mumwe nomumwe. Kana zvisina kudaro, iwe uchasangana nemitengo kune imwe nguva yapera. Mukuwedzera, iwe uchabhadhara chikwereti pane chero mari yaunobhadhara pane imwe nguva.

Ndicho chirevo chekuti chii chakafanana nekushandisa kadhi rechikwereti. Ngatishandirei mumashoko.

Kusarudza Kadhi Yakakodzera Kadhi

Iwe haugoni kungosarudza kadhi rechikwereti pane zvese nokuti wakazviona mune chikwata kana wakagamuchira chipo mune tsamba.

Kune zvizhinji uye zvakawanda zvekadhikiti yemakadhi pamusika nemari yakasiyana-siyana, mutengo wemari, mibayiro, nezvimwe zvinotarisirwa. Heano mamwe mazano ekusarudza kadhi kadhi rechikwereti.

Sarudza zvaunoda kubva kadhi rechikwereti . Iwe unoda kubhadhara chikwereti pachidimbu chechibereko chezasi here? Kuwana mibairo pakutenga? Ita mari yakawanda uye usabhadhara chikwereti? Tanga kuvaka kana kuvaka kadhi yako?

Aya ndiwo mazita makuru emakadhi emakwereti aunogona kusarudza kubva:

Nhamba kana kuti "plain vanilla" makadhi emakwereti ndeyemakadhi mashoma emakadhi asingabatsiri mibayiro chaiyo kana yekubatsira.
Makomborero emakadhi emakadhi anobhadhara mari kumashure, makiromita, kana kuti anopa mibayiro pane zvaunotenga.

Kuenzanisa makadhi emakwereti anopa (kwechinguva) pfupi purogiramu yekutangira pachiyero chekuendesa kune kadhi rechikwereti.
Kubhadhara kwekwereti yekwereti makadhi kunopa purogiramu yakaderera yekutengeswa kwekutenga. Mamwe makadhi emakwereti anopa mukana wakaderera kune zvose zviri zviviri kutengesa uye kutenga.
Premium makadhi emakwereti anopa mibayiro yakakwirira uye mamwe mararamiro epamusoro. Aya makadhi echikwereti anowanzobhadhara mari yakawanda yegore negore.
Makadhi emakadhi echikwereti anotarirwa kune vechidiki vakanyoresa mune imwe yekodhi yemakore mana kana yunivhesiti yakagamuchirwa.
Makadhi ekukweretesa zvekutengesa anogona kungoshandiswa chete nechitoro chezvitoro.

Chengetedza mari uye chikwereti . Deredza pasi zvaunogona kuita uye ongorora purogiramu yemari yekwereti kuti uwane pfungwa yekukwereta kwekadhi rechikwereti. Kana ukasarudza kadhi rechikwereti rine mari yegore negore, iva nechokwadi chokuti zvikomborero zvakakodzera.

Enzanisa makadhi ekwereti . Enzanisa zvikwereti zvekuda, mari, mibairo, uye zvikwereti zvemakadhi echikwereti kubva kune akasiyana-siyana makadhi ekukwereta. Iwe unogona kutarisa mazita emakadhi echikwereti paIndaneti pane imwe webhusaiti yekwereti yekwereti kana kushandisa kadhi yekodhi yekuenzanisa.

Ziva chikwereti chako . Nhoroondo yako yechikwereti ichaita basa guru mukukwanisa kwako kubvumirwa kune kadhi rechikwereti. Iwe unowanzodikanwa nechikwata chekwereti chepamusoro kuti uwane mhindu yemakadhi emakwereti, makadhi emakwereti ane zvikwata zvekutsvaga, uye makadhi ekukwereta.

Kana ukangosarudza kadhi rechikwereti, unogona kuzadzisa kadhi rechikwereti iri paIndaneti uye uone kana iwe unobvumirwa mumaminitsi.

Kunyatsonzwisisa Mari yeKhadi yeKadhi

Makadhi emakadhi anogona kuuya nemari yakawanda. Zvimwe zvinodzivirirwa zvichienderana nekushandisa kwaunoita kadhi rako. Vamwe vanodiwa pasinei nokuti chii. Mari yemakadhi echikwereti inowanzosanganisira :

Mutengo wegore negore . Iyi imari inokonzerwa kamwe chete pagore kuakaiti yako kadhi rechikwereti. Mamwe makadhi emakadhi anopa mari yegore negore mugore rokutanga.
Mutengo wekupedzisira . Chikwereti chekubhadhara chikwereti chekubhadhara mari yekupedzisira kana mwero wako wekubhadhara pamwedzi uri pasi pehuwandu kana hwakagamuchirwa mushure mezuva rakakodzera.
Balance transfer transfay . Paunotumira chikamu kubva pane imwe kadhi rechikwereti, uchabhadharwa mari yekubhadharisa mari iri chikamu chemari yakatamiswa.

Mari inotangira mari . Kana ukashandisa kadhi rechikwereti kuti urege kubhadhara mari uchiripa chikwereti chako, iwe uchabhadharwa mari inotangira mberi. Mari yekufambisa mberi yakakwana yepakati yemari yekufambisa kwako.
Mari yemari . Paunotakura chikamu pane kadhi rako rechikwereti, unokweretwa kufarira nenzira yebhadharo yemari.
Mutengo wekutengesa kune dzimwe nyika . Iyi mitero inobhadharwa pakutenga kunoitwa mune dzimwe mari. Mari yacho inowanikwa chikamu chemari yekutengesa uye inogona kubviswa nemamwe marudzi emakadhi emakwereti.

Matanho Aungaita

Zvikwereti zvakawanda zvemakadhi zvinokubvumira kuita zvitatu zvekutengeserana: kutenga, kutengesa kutengesa, uye mari inofambira mberi.

Pose paunoshandisa kadhi rechikwereti kutenga chimwe chinhu, uri kutenga. Izvo zvizhinji zvekutengesa kwako zvingave zvichitengwa, zvinogona kuitwa mumunhu, paIndaneti, kana nefoni. Ikoko kazhinji haisi mari yekutenga zvinhu pakadhi rako rechikwereti. Asi, zviyero zvipi zvaunotakura pane kadhi rechikwereti zvinowanikwa kune chido.

A balance balance transfer apo iwe unotumira chikero kubva kune imwe kadhi rechikwereti kune imwe.

Iwe unogona kutora chikwereti kuti ushandise zvishoma zvekuda kwechikwereti kana kuti kusimbisa zvikwereti zvako zvekadhi rechikwereti. Kuenzanisa kwemari kunowanzopiwa mhosva yekubhadhara mari yekubhadhara uye inogona kuenderera mberi kune chikwata chapamusoro chekutora pane kutenga.

Mari inofambira mberi inogadzirwa apo iwe uchishandisa kadhi rako rechikwereti kubvisa mari kubva kuATM. Cash yakaenzana kutengesa kunogonawo kurapwa semari inofambira mberi. Izvi zvinosanganisira zvinhu pamusoro pekuchengetedzwa kwekuchengetedzwa uye kutengwa kwemirairo yemari kana kutengeswa kwetambo. Mari inoshandiswa inowanzopiwa mari yekubhadharwa mari uye kufarira. Dzivisa kutora mari yekufambira pakadhi rako rechikwereti sezvo yakanyanya kudhura kupfuura mamwe marudzi ekutengeserana.

Kunzwisisa Credit Card Interest

Chikwereti chekubhadhara chikwereti chikwereti pane yako kadhi rechikwereti kutengesa. Inhara yekutora inoratidzirwa segore rega rega purogiramu kana APR.

Kadhi yako yekwereti ichava neAAPS shomanana yakasiyana : imwe yekutenga, imwe yekutsinhanisa kutengesa, imwe yekufambisa mari, uye chirango chamapurisa CHAKASIWA paunenge usina kutora maererano nemashoko ako kadhi rechikwereti. Inhara yekutambira pane yako kadhi rechikwereti yakasungirwa kune creditworthiness yako. Kazhinji, zviri nani kukupa chikwereti, pasi pekuda kwekuda kwaunogamuchira.

Mazhinji emakadhi emakadhi ane mararamiro akasiyana-siyana , zvinoreva kuti vanogona kuenda uye pasi zvichienderana nehuwandu hwehuwandu hwehuwandu, sekuda kweHurumende. Kero yako yekadhi yemari yekwereti inogonawo kuwedzera kusvika kumurairo APR kana iwe uri kumashure pamitero yako kwemazuva anopfuura 60.

Kufarira kuri kukwereta kadhi rako rechikwereti nenzira yebhadharo yemari , iyo inotarwa zvichienderana neyeri yako (kana kuti yako yepamusoro yeyeri yezuva) uye APR yako.

Kadhi yako yekwereti inogona kuuya nenguva yenyasha apo iwe unogona kubhadhara bhadha yako yakakwana muzere uye usadzikwaniswa kutengesa. Nenguva yenyasha iri pakati pemazuva makumi maviri nemaawa makumi matatu zvichienderana nemari yako yemakadhi echikwereti. Nenguva yenyasha inogona kusashanda kana iwe watanga mutengo wekubhadhara nechiyero kana mutengesi hauna kuwana nguva yenyasha. Mari inoshandiswa uye kutarisa kuendesa mberi kazhinji haina nguva yenyasha.

Kuwana Makomborero Paunenge Uchishandisa Makadhi Makadhi

Makomborero emakadhi ekwereti anobhadhara chikwereti pakutenga kadhi rechikwereti. Iwe unogona kuunganidza mibayiro uye wozodzikinura nokuda kwemari yakadzoka, mafambiro ekufambisa, makadhi emakadhi, uye kutengesa.

Makomborero akawanda emakadhi emakadhi anopa mimwe mibayiro yevamwe marudzi ekutenga. Semuenzaniso, kadhi rechikwereti rekufambisa rinogona kubhadhara mimwe mibairo kune ndege uye mahofisi aunotora nekadhi rako rechikwereti.

Zvakakosha kuziva mitsara yemigumisiro yako makadhi emakwereti - muwandu wemubairo unowanikwa pakutenga, zvishoma zvidzikinuro zvinyorwa, chero zuva rekupera kwezvikwereti, uye zvinhu zvaunogona kuita kuti uwane mibairo yako. Semuenzaniso, kana iwe ukasara kumashure kwekadhi rako rechikwereti, iwe unogona kurasikirwa nemubairo wawakaunganidza.

Kutarisira Kwereti Yako Kwereti

Zvikwereti zvakawanda zvekwereti zvinouya nechikwereti chechikwereti - chiyero chikuru chaunobvumirwa kushandisa pane yako kadhi rechikwereti. Chikwereti chako chechikwereti chinogadzirirwa kubva pane chikwereti chako chekwereti, mari, uye rudzi rwekadhi rechikwereti wawakumbira.

Kuramba mukati memari yako yechikwereti kunokubvumira kuti udzivise zvikwereti uye kuchengetedza konti yako mukumira kwakanaka. Mukuwedzera, kuchengetedza zvikwereti zvako zvekadhi rechikwereti pasi maererano nechikwereti chako chekwereti zviri nani kune chikwereti chenhamba.

Kadhi kadi yako yekubhadhara chikwereti inogona kuwedzera kuwedzera chikwereti chako chekwereti nguva nenguva sezvaunoshandisa nhoroondo yako zvine mwero uye mari yako inowedzera. Iwe unogonawo kukumbira chikwereti chemari yechikwereti kubva kuchikwereti chako chekwereti chekwereti kana chave chiri mwedzi inoverengeka kubva pawakagamuchira kuwedzerwa kwako kwokupedzisira. Paunokumbira chikwata chekukwereta chikwereti , kadhi rechikwereti chekwereti rinoongorora nhoroondo yako yekambani, mari, uye chikwereti chekwereti kuti uone kana iwe wakakodzera.

Mamwe makadhi ekwereti haafaniri kutarirwa kushandiswa kwemari. Kuva nekadhi rechikwereti risina kutarirwa kushandiswa kwemari zvishoma hazvireve kuti une mari isingagumi pane yako kadhi rechikwereti. Pane kudaro, zvinoreva kuti mari yaunogona kuishandisa pane yako kadhi rechikwereti inofanirwa nemari yako yakashandiswa yekushandisa, chikwereti chenhoroondo, uye kukwanisa kubhadhara. Iwe unogona kutumidza chikwereti chako chekwereti kuti akumbire mari yako yekushandisa kana iwe uri kushamisika kana iwe unogona kutenga kutenga huru pakadhi rako rechikwereti.

Kuverenga Nyaya yako yekubhadhara

Mwedzi woga woga, uchagamuchira chirevo chekubhadhara chinosanganisira zvose zvinotengeswa kuakaunti yako mukati mekubhadhara. Mutemo wekubhadhara unoratidzawo bhadha yako yakajeka, ikozvino kubhadhara kuripo, uye zuva rakakodzera.

Mutemo wako wekutengesa uchasvika pakero yekubhadhara yawakapa kadhi yako yekwereti. Kana, kana iwe wakanyoresa kubhadhara kusina papepa, uchawana email kukuudza iwe kuti uone kuti uone iyo yepaiti yako yepaIndaneti kuti uone chirevo chako.

Usatora zvishoma kuti zvinhu zvose zviri pamusoro pekadhi rako rekadhi rechikwereti rakarurama. Verenga kuburikidza nekutengeserana kwega kwekadhi yako kuti uve nechokwadi chokuti: kubhadhara kwako kwekupedzisira nemamwe magwaro akashandiswa zvakanaka, iwe wakabhadharwa mutengo wakakwana wezvose zvaunotenga, uye hapana kubhadhara kusina mvumo pane kadhi rako rechikwereti.

Kana iwe ukawana chero zvikanganiso pamatauro ako ekubhadhara, une kodzero yekupikisa kukanganisa kwako nekadhi kadhi rechikwereti. Nguva yekukakavadzana kwako inokosha. Iwe une mazuva makumi matanhatu kubva pazuva rawakatumira chirevo chekutengesa kwauri kuti uite nharo yako. Kuti udzivirire kodzero dzako pasi pe Fair Fair Billing Act, nharo yako inofanira kuitwa nekunyora. Tarisa chirevo chako chekubhadharira kero yekwereti yekwereti yekutumira tsamba.

Chero zvikwereti zvisiri pamutemo zvinofanirawo kuziviswa kune wako kadhi rechikwereti kuitira kuti vagone kubviswa kubva ku-akhawunti yako. Iwe unogonawo kugamuchira kadhi kadhi rechikwereti rine nhamba itsva yekambani kana iwe uchifungidzira kuti kadhi yako yekadhi yemakadhi yakakanganisa.

Kuita Credit Card Payments

Pasi pechibvumirano chako chekadhi rechikwereti, unofanirwa kubhadhara mwedzi mumwe nomumwe. Kunze kwekuti iwe uine kadhi kadi (iyo inoda kuti iwe ubhadhe mari yako yakazara zvakakwana), iwe unongodiwa chete kuti uite chikwereti chiduku. Iko mari shoma inongova peresenti shoma yemari yako yakajeka uye kazhinji iri nyore kuita.

Kunyange zvazvo kadhi yako yekubhadhara chikwereti ingokukumbira kuti uite mari shoma, zvinowanzo zviri nani kubhadhara zvakawanda. Nekubhadharwa mari shoma, bhaari yako inongorara necheji mwedzi mumwe nomumwe nekuti chikamu chikuru chebhadharo chichashandiswa kune chido. Izvi zvinowedzera nguva yakawanda inotora kubhadhara chikamu chako. Zvakanaka, iwe unofanirwa kuripa zviyero zvako zvakazara mwedzi mumwe nomumwe.

Zvakakosha kuita kadhi yako yekwereti yechikwereti nezuva rakakodzera mwedzi mumwe nomumwe. Kana zvisina kudaro, iwe uchabhadharwa mari yekupedzisira yebhadharo chero ipi zvayo isingagamuchirwi nezuva rakakodzera. Kana kubhadhara kwako kwemazuva makumi matatu apfuura, chiziviso chekupedzisira chichawedzerwa kune repoti rako rekwereti uye richakanganisa chikwereti chako chikoro.

Kadhi kadikiti yako yechikwereti ichapa zvingasarudzwa zvishoma pakuita zvikwereti. Iwe unogona kutumira cheki kana kutora foni kana kubhadhara paIndaneti uchishandisa chengetera yako nekuongorora nhamba. Iwe haugoni kuita chikwereti chako chekwereti chekwereti neimwe kadhi rechikwereti kana kunyange nekadhi yebhadharo. Iwe unokwanisa kunyange kutarisa kuzvipira kuti uone kuti mari yako inowanikwa nenguva kana iwe uine dambudziko rokuyeuka kuzviita mwedzi wega wega.

Chinhu chakaipisisa chaungaita ndechokuti urege kubhadhara kadhi rako rechikwereti, zvisinei nokuti chikonzero. Vazhinji vanobhadhara vachakubatsira kana iwe uchivaudza kuti usati warasa kubhadhara kwako. Danaidza chikwereti chako, tsanangura zvakajeka mamiriro ezvinhu, uye bvunza zvaunogona kuita.

Kuvhara Kadhi Kadhi

Haasi ose makadhi emakwereti anorongedzwa kuchengetwa nokusingaperi. Iwe unogona kufunga kuderedza huwandu hwekadhi yemakadhi. Kana, iwe unogona kuvhara kadhi rechikwereti nokuti mutori wemakadhi akachinja mazita ekadhi. Kuvhara kadhi rechikwereti kwakajeka sekuita foni kumuchechi wako wekwereti, asi kune zvimwe zvinhu zvaunofanira kuziva usati watora matanho.

Kuvhara kadhi rechikwereti kunogona kukuvadza chikwereti chako, kunyanya kana kadhi rechikwereti rine chikwereti kana kuti chikamu chikamu chikuru chekwereti yako yechikwereti. Kana uchida kuvhara kadhi rechikwereti, zvakanakisisa kubhadhara bhaari yako kutanga.

Kana ukavhara kadhi rako rechikwereti pachinenge chiine chikamu, chikwereti chako chikoro chingatora hit. Nenzira yakanaka, chikwereti chako chikwereti chinofanira kusimuka apo iwe uchibhadhara chikamu chako.

Kusvikira iwe ukasvika pakatarisa zero, nguva yako yaunenge uchibhadhara inenge ichiripo, kunyange kana kadhi rako rechikwereti ravharwa. Iwe unogona kutambura nemigumisiro yakafanana yekubhadhara kwekupedzisira - kuchema kwekuwedzera kunowedzera kuwedzera kwechido, uye kukwereta kwekwereti - apo nhoroondo yako yakavharwa.

Usati wavhara kadhi rako rechikwereti, rega kubhadhara zvikwereti zvakakwana kana kubhadhara, semimhanzi kana kushanyira, iwe wakagadzira nekadhi rako rechikwereti. Kana zvisina kudaro, zvikwereti izvi zvichadzorerwa. Iwe unogona kutarisana nekukanganiswa kana zvimwe zvikwereti kubva kune vapevisi vako. Tarisa kuburikidza nekanguva kadhi rechikwereti chekwereti kuti uwane pfungwa yemari ipi zvayo yakashandurwa yawakagadzirisa nekadhi rako rechikwereti.

Shandisa chero mibayiro yawakaunganidza usati wavhara kadhi rako rechikwereti. Kamwe kambani yako yakavharwa, iwe ungangodaro kurasikirwa nemari ipi zvayo isina kushandiswa.

Kudzivisa Chikwereti Chekwereti

Nokuti uri kukwereta mari kana ukashandisa kadhi rechikwereti, kune mukana wokupinda mune chikwereti. Kubhadhara chikwereti kunogona kutora makore akawanda, zviuru zvemadhora, uye zvizhinji zvezvibayiro. Zviri nyore kwazvo kuti zvive zvakasimba uye ugare kunze kwekadhi rechikwereti chikwereti.

Chinhu chekudzivirira kadhi rechikwereti chikwereti ndechekuita tsika yekubhadhara chete zvaunokwanisa kuwana. Kana ukangotanga kushandisa kadhi rako rechikwereti kuti uwane mari inenge iri pamusoro pekushandisa kwako, iwe unopinda mukwereti kadhi chikwereti. Izvo zvikwereti zvekwereti zvakawanda zvaunayo, zviri nyore kuti upinde pamusoro pemusoro wako.

Ita zvisarudzo zvakanaka pamusoro pekutenga zvinhu zvaunoda zvichienderana neaunenge uchitsvaga. Isu tose takashandisa shoko rokuti "chido" kurondedzera chimwe chinhu chatinenge tichida chaizvo. Kushandisa kadhi rako rechikwereti zvine mwero nzira yekuziva zvinhu zvipi zvaunoda uye izvo zvaunoda chete.

Dzivisa kushandisa kadhi rako rechikwereti kuti uite zvese zvezuva nezuva kunze kwekuti uwane mari mibairo kana kuti zviri nani kutarisira mari yako. Kushandisa kadhi rako rechikwereti sokutsiva mari ndiro tsika inotungamirira kuchikwereti. Kana uchida kutenga zvisikwa, siya kadhi rako rechikwereti muhomwe yako uye shandisa mari kana kadhi yebhengi panzvimbo.

Bhara bhadha yako yakazara mwedzi mumwe nomumwe. Chero bedzi uri kubhadhara chikwereti chako chekadhi rechikwereti, uri kurega chikwereti. Kana uchinge usina kukwanisa kubhadhara mari yako yakakwana, inguva yekudzorera mumari yako yekushandisa mari yekwereti kusvikira iwe wawana bhaari yako yakabhadharwa.

Zvaunofanira Kuita Nekwereta Kwenhema Kwenhema

Mazuva ano, kungova nekadhi rechikwereti kunoita kuti uwane pangozi yekuti iwe uwane chibharo chekadhi rechikwereti . Vatengesi vanogona kukubira ruzivo rwekadhi rako rekwereti kubva kumabhizimisi mawakashandisa kadhi yako. Vari kuve vakananga pamakadhi ekukweretesa kadhi rechikwereti kubva kumagetsi uye mamwe mabhizinesi. Uye, vanogona kukunyengedzera kuti upe ruzivo rwekadhi rako rechikwereti nokuisa sebhangi rako kana imwe kambani yaunoshambadzira nayo.

Mamwe makambani ekadhi rechikwereti achaedza kudzivirira unyengeri paakaunti yako nekuderedza kushandiswa kusingawanzoitiki kusvikira vaona kuti iwe ndiwe uri kuedza mutengesi.

Iwe unogona kudzivirira kukwereta kadhi rechikwereti nekudzivirira kero yako yekadhi rechikwereti. Usapinda ruzivo rwekadhi rako rechikwereti pawebsite dzinoshushikana kana kuisa iyo paIndaneti. Uye chengetedza kadhi rako rechikwereti nguva dzose.

Chengetedza yako kadhi rechikwereti kutengesa kuburikidza nekugadzira kambani yekuIndaneti nekadhi kadhi rechikwereti. Nenzira iyi, unogona kudzokorora kadhi rako rechikwereti rechikwereti nguva dzose kuti uone chero mhaka dzinokanganisa.

Kana ukaona zvisiri pamutemo mhosva, rega chikwereti chako chikwereti chizive pakarepo kuitira kuti mhosva dzingabviswa uye iwe unogona kugamuchira kadhi rechikwereti. Vakawanda vane kadhi rechikwereti vane hurongwa hwekushaya rusununguko hwekunyengera huchakuchengetedza kuti urege kutongerwa mhosva dzekubiridzira dzakapiwa ku-akhawunti yako.

Chikwereti Cards uye Your Credit Score

Chikwereti chako nhamba nhamba iyo inopfupisa ruzivo mumugumo wako wekwereti. Vakawanda vanokweretesa uye vanokweretesa vanoshandisa chikwereti chenhamba yako kuti usarudze kana iwe uchibvumira maitiro ako uye kuti uise mutengo wako.

Vakawanda vema-credit card issuers vanotumira zvishandiso kune zvikwereti zvekwereti, makambani anounganidza nekuchengetedza chikwereti chekodzero yemashoko. Izvozvo zvinoreva, kuti iwe unoshandisa sei kadhi rako rechikwereti richakanganisa zvakanakira chikwereti chako.

Kushandisa kadhi rako rechikwereti nekuchengetedza kuchakubatsira kuvaka nekuchengetedza chikwereti chakanaka chekwereti . Zvinhu zviviri zvakanakisisa zvaunogona kuita kuti uwane chikwereti chekwereti zvinoramba uchitsigira pasi uye uite kadhi rako rechikwereti nenguva panguva yemwedzi.