Chikwereti Chakwereta Chingave Chingave Chinoitika Nokudhinda Mahara
Inenge imwe neimwe yekwereti yekwereti yekwereti ine kadhi rimwe kadhi rechikwereti rine bhanhire rinotyisa rinokurudzira kukubvumira kuti urege kubhadhara chikwereti pane yako yekusvika kwemwedzi mitanhatu. Kana iwe uri kukwereta chikwereti chakakwirira pane imwe yemakadhi ako emakadhi, unogona kutamba mukana wekuisa shanduro yekubhadhara kadhi rechikwereti uye shandisa mari yako. Kuita shanduko yekuendesa kunogona kukubatsira iwe kuchengetedza mari muchibereko, asi zvinogona kukuvadza chikwereti chako .
Izvo Zvaunotora Chikwereti Chako Chakanyorwa
Chokutanga, ngationei kuti chikwereti chikoro chinorongwa sei. Chikwereti chako nhamba inotarirwa kubva pazvinhu zvishanu zvinokosha zvakasiyana -siyana: nhoroondo yekubhadhara, chikwata chechikwereti, makore ekukwereta, kusanganiswa kwekwereti, uye zvikwereti zvekukwereti munguva pfupi. Chikwereti chechikwereti kuwedzerwa kunokanganisa chikwereti chako chikwereti munzvimbo idzi: chikwata chekwereti, makore ekukweretesa, uye zvikwereti zvekwereti munguva pfupi.
Kuenzanisa Kushandiswa uye Kushandiswa Kwekwereti
Chikwereti chenhamba yako inofunga zvikwereti zvako zvekadhi rechikwereti maererano nechechi chikwereti chazvo (iyi chiyero chinonzi sekushandisa chikwereti chako) uye zviyero zvako zvekadhi rechikwereti kana uchienzanisa newakawanda kana zvikwereti zvese zvekwereti. Ichi chikamu chikamu che 30% chekwereti yako chikoro. Iyo inowedzera chikwereti chako chekushandisa, zvinoreva kuti yakareba zviyero zvako zvinoenzaniswa nechechi chikwereti chako, pasi iwe chikwereti chako chikwereti chichave.
Kana ukatumira chikwereti kune kadhi rechikwereti rine chikamu chechikwereti chakaderera kupfuura kadhi rakapfuura, kushandisa kwako chikwereti kuchakwira uye iwe unogona kurasikirwa nezvikwereti zvekwereti.
Nenzira yakanaka, iwe unogonazve kurasa chikwereti chikamu mapikisi kuburikidza nekubhadhara pasi chikoro chako nokukurumidza. Zvakakodzera, zviyero zvekadhi rako rechikwereti zvinofanira kunge zviri pasi pe30% zvekwereti chekwereti.
New Balance Transfer Credit Cards Gore Remakore
Zera rechikwereti zvinotora nguva yakareba sei iwe wakashandisa chikwereti uye nhamba ye 15% yekwereti yako chikoro.
Iyi chikamu chechikwereti chekwereti chiverengero chinosvika urefu hwekwereti yako yekwereti uye yezera rako rekare. Kana iwe uchiyeuka zviyero kubva kuchikoro chesekondari, iwe unogona kuona kuti kuzarura sei matsva emakadhi ekodhi kunoderedza chikamu chako chekukwereta. Izvo zvakafanana nekuti chirwere chakaipa chekuyera chingaderedza sei chikoro chenyu chekirasi.
Kuchinja chikwereti chako chekwereti kubhengi yakatozaruka haigoni kukuvadza chikwereti chako muchikwereti maererano nezera rechikwereti. Zvisinei, kana ukazarura kadhi kadhi rechikwereti, iwe wega wezera rechikwereti uchaderera.
Applications for Balance Transfer Credit Cards Hurt
Iwe unogona kunge uchiziva kuti kubvunzurudza kwekwereti imwe neimwe kunogadzira chiduku chechikwereti chako. Sezvo ikozvino mvumo yekukwereta iri 10% yekwereti yako yekwereti, kuedza kubhadhara chikwereti chekwereti rechikwereti kunogona kuita kuti chikwereti chako chikwereke. Icho chete chikumbiro chinokanganisa chikwereti chako chikoro, kwete chibvumirano kana kuti chakarambidzwa kuguma.
FICO, vashanduri vekambani-yakashandiswa-chikwereti chekwereti, inotaura kuti mibvunzo inowanzokuvadza chikwereti chikoro zvishanu kana kuti zvishoma zvichienderana nedzimwe ruzivo mubhuku rako rekwereti. Chimwe chinhu chakanaka ndechokuti mibvunzo chete kubva mumwedzi 12 yakapfuura ichachinja yako chikwereti chikoro.
Kuenzanisa Kunotengesa Kunobatanidza Pane Zvimwe Zvikwereti
Kunyange zvazvo kuendesa chikwereti kunogona kukanganisa chikwereti chako, iwe unogonazve kuwana mamwe mapepa akarasika kuburikidza nekubhadhara nguva, kuderedza mari yako neyakawanda-pamusoro-kubhadhara mari shoma, uye kumirira usati waita chero mapurogiramu matsva ekadhi rechikwereti.
Usatungamirire kunze kwekutengesa kutengesa nekuda kwekugona kukanganisa kune chikwereti chako. Funga zvakare pamusoro pemari yekubhadharisa kutengesa uye mari yekutadza kuita shanje kutumira kuti ubatsire kuita sarudzo yako.