Kana iwe ukatenga chero chitoro chinopa kadhi rechikwereti, wava kuda kutenderwa kubvunzwa kuti uinyorere. Chipo chokuchengetedza 10-20% mukutengesa kwezuva iroro chiri kuedza, asi kuchengeta makadhi emakwereti kazhinji hazvikwanisi kuenzanisa nekugara kwenguva dzose, kana kushandiswa kwevanhu vakawanda, makadhi emakwereti anoshandiswa nehukuru hwekutengesa.
Kushandiswa Kushandiswa
Chengetedza makadhi ekukweretesa, kunze kwekuti aine ma-brand-anogona kungoshandiswa chete mune imwe chitoro kana mhuri yezvitoro.
Kana iwe ukawana American Eagle store kadhi rechikwereti rinogona kushandiswa chete pakutenga kunoitwa kuAmerica Eagle. Zvimwe ndeye apo kadhi rechikwereti chezvitoro rinowirirana neVisa, MasterCard, kana American Express logo. Zvizhinji zvekutengesa zvinopa imwechete iyo-mazita ekadhi kadhi rechikwereti kuwedzera pakachengetedza kadhi rechikwereti chedu, asi kadhi-kadhi yekodhi kazhinji ine zvidzidzo zvakanyanyisa zvidzidzo .
Nokuenzanisa, chinangwa chikuru chemakadhi emakadhi, kunyange ma-branded store makadhi emakadhi, anogona kushandiswa pane chero mutengesi anogamuchira makadhi emakwereti kubva kune iyo yekugadzira mitambo. Vakaita semumwe wekadhi rechikwereti, asi kutenga kunowanikwa muchitoro chakabatanidzwa kuchawanzo kuwana mibairo yakakwirira kana zvimwe zvipo. Iwe kazhinji haungapindi mune chero matambudziko uchishandisa Visa kana MasterCard.
Higher Interest Rates
Chengetedza makadhi emakwereti anowanzova nezvikwereti zvinodarika zvikwereti kupfuura zvikwereti zvekwereti. Dare rekutengesa makadhi emakadhi ane avhareji APR ye24.99 muzana apo chinangwa chikuru chekadhi yemakadhi ekodhi ine muyero wehuwandu hwe16.15%, maererano neongororo ye 2017 kubva kuneCreditCards.com.
Nhamba yepamusoro yekutora inoreva kuti iwe uchabhadhara chido chepamusoro kana iwe uine chikwereti uye zvichakutora iwe nguva refu kuti ubhadhe chikwereti chako kudarika kana iwe wakanga uine kadhi rechikwereti rine chikwata chemuzasi. Cobranded dhesikiti yemakadhi yemakadhi inowanzova nechechi kuderera kwechidhindo kune iyo isiri iyo inokonzerwa, asi kunyange iyo inhamba yakakwirira kupfuura yekwereti yemakadhi pasina kambani yekutengesa magare.
Zvipingamupinyi Pamipiro
Ne makadhi emakadhi emakadhi, mibayiro yakanyanya kuoma kuwana uye ine zvishoma zvingasarudzwa zvekuregererwa. Kakawanda kese kadi yekodha yemakadhi inokupa mubayiro pamatenga ako aunotenga mudura iroro - pachena sezvo iwe usingagoni kushandisa kadhi rechikwereti chero kupi zvako. Kana uchinge waunganidza mibairo yakakwana yekuregererwa - kazhinji chipo chechipo kana chikwata - iwe unogona kuishandisa chete muchitoro uye dzimwe nguva unoshandisa kadhi rako rechikwereti kuti udzikinure mubairo.
Cobranded store kadhi yemakadhi inokubvumira kuwana mubairo pane zvese zvekutenga nezvimwe pane zvezvitoro zvinotenga, asi zvinogona kukubvumira kungoshandisa mibairo yako muchitoro ichocho.
Kunze kwezvitoro zvemakadhi emakadhi, mibayiro yekwereti makadhi anokupa iwe ne cashback nenzira ye cheki kana chirevo chekwereti, inotaura kushandisa kushambadzira kana zvipo zvakasiyana-siyana zvechipo, kana kuti makiromita kuti zvikanganise kusafambisa mari.
0% Inotarisana neIndaneti Inofanirwa Kufarira
Chengetedza makadhi emakwereti hauna maPR perks akaita se 0% mubereko pasina nguva. Zvamungawana panzvimbo pacho, kunyanya muzvitoro zvinotengesa zvinhu-titi zvinhu, zvinoderedzwa kufarira kukurudzirwa . Nechido chakakosha iwe unofanira kubhadhara chikamu chisati chaitika nguva yekusimudzirwa inopera kuti usabhadharwa chikwereti. Kana zvisina kudaro, kana imwe yemari yakasara iripo, iwe uchasangana nechechikwereti chido chekutsvaga nguva yose.
Newechokwadi 0% yekutambira kwekutsvaga kwekutsvaga , iwe unongotarirwa chikwereti chikwata pane chikamu chinoramba chiripo mushure mekusimudzira nguva inoguma.
Chikwereti
Chengetedza makadhi emakwereti kazhinji ane zvikwereti zvishoma zvemari , zvichida kutanga ne. Hazvisi zvisingazivikanwi kuti vatori vemakadhi vabvumirwe $ 300 kana $ 500 kutanga chikwereti chekwereti pane kadhi rechikwereti redu. Chikwereti chakaderera chiri nyore kubuda kunze kwezuva rimwe chete, kunyanya kana iwe wakagamuchira kadhi rechikwereti kubva pane doro rako raunoda. Izvi hazvirevi kuti iwe unongotenderwa kubvumirwa kune chikwereti chakakwirira chekwereti nechinangwa chakanaka chekadhi rechikwereti, asi zvinowanzoita kupfuura nekadhi kadhi rechikwereti.
Zvaunoita Kumutero Wenyu Wenhoroondo
Nguva dzose makadhi ekukwereta anotarisa zviri nani kune chikwereti chako. Kuchengeta makadhi emakwereti zviri nyore kuva vakakodzera, zvichivaita sarudzo yakanaka yekutanga vashandi vekadhi yemakadhi kana vanhu vanotarisa kuti vavakezve chikwereti chavo.
Zvisinei, ma kadhi yemakwereti ezvitoro chete anoenda kusvika kure nekugadzira chikoro chekwereti yakanaka. Kuti uwane chikwata chakanaka chechikwereti, iwe uchapedzisira uchida kuwana kadhi rechikwereti chikuru, kunyange kana chiri chidimbu chekadhi rechikwereti chechikwereti.
Chengetedza makadhi emakadhi angave akanaka kuti utange nekwereti. Kana uchinge wakagadzira nhoroondo yakanaka yechikwereti, chinangwa chikuru chekadhi rechikwereti kana kadhi rekadhi kadhi rechikwereti richava sarudzo yakanaka.