Chii chinonzi Revolving Credit?
Kubvisa chikwereti rudzi rwechikwereti chinogona kushandiswa kakawanda kusvika kune imwe muganhu chero bedzi iyo iyo yakazaruka uye kubhadhara kunoitwa nenguva. Nekukweretesa kwechikwereti, mari yekwereti iripo, chikwereti , uye kubhadhara kuripo kunokwira kumusoro uye pasi zvichienderana nekutenga uye kubhadhara kunowanikwa kukero .
Maripo inoshandiswa zvichienderana nemari yakakweretwa, pamwe nehomwe yekutora inobva pachiyero.
Uine chikwereti chakashandurwa, iwe une sarudzo yekubhadhara chikamu pane imwe nguva kana pakarepo. Kana ukasarudza kubhadhara chikwereti chako kupfuura nguva, unofanira kungobhadhara chikwereti chakaderera chinowanikwa nekodhadhi kadhi.
Iwe unogona kunge uchitoziva nezvemhando mbiri dzinowirirana dzekweretheni inowanikwa: makadhi emakwereti nemigwagwa yechikwereti.
Kushandiswa Kwekukwereta Kwemari
Iwe unogona kuwana kadhi rechikwereti neAcme Bank rine $ 1,000 chikwereti chikwereti. Iwe unokwanisa kukwanisa kutenga pane kadhi chero nguva chero bedzi iwe unonamatira kumagariro (semuenzaniso usapfuurira kune muganhu uye ita mari shoma pane nguva).
Mumwedzi wokutanga, iwe unoita $ 100 mukutenga. Iwe unenge uine $ 900 yekodhi iripo yakasara kune zvimwe zvekutenga. Iwe unogona kubhadhara chikwereti chako che $ 100, unogona kuita bhadharo shoma inotsanangurwa pachitatimenti chako chekubhadhara , kana iwe unogona kubhadhara mari iri pakati pekubhadharwa kwakadzika uye mubhadharo wako wose.
Ngatiti iwe unosarudza kuita mari shoma ye $ 25 neyeri yako inoderera kusvika ku $ 75 uye chikwereti chako chiripo chinokwira kusvika $ 925.
Iwe unotanga mwedzi maviri, une $ 75 uye $ 925 yekwereti iripo. Iwe unokwereta $ 10 muzvikwereti zvemari nokuti iwe hauna kubhadhara mari yako yakazara mwedzi wapera. Iwe unoita imwe $ 100 mukutenga, kuunza chikwereti chako kusvika $ 185 (chikamu chepakutanga + chaunofarira + mari yako itsva) uye yako chikwereti chiripo $ 815.
Zvakare, iwe une sarudzo yekubhadhara chikwereti zvachose kana kutora chikwereti chiduku. Unosarudza kubhadhara zvakakwana panguva ino. Iwe unobhadhara chikamu chose che $ 185, uchiunza mari yako kusvika $ 0 uye chikwereti chako chiripo kusvika ku $ 1 000 kuti utange mwedzi mitatu.
Cherechedza kuti makadhi ekubhadhara anokanganisa zvishoma kubva kududziro yechikwereti chinowanikwa. Nepo iwe unogona kushandisa chikwereti chako chiripo kakawanda, haugoni kuchinja mararamiro emwedzi yakawanda usingatarisirwi nemirairo yakaoma. Chengeta makadhi anoda kuti iwe ubhadhe chikamu chakazara mwedzi mumwe nomumwe.
Kwete-Kureva Chikwereti Chakatsanangurwa
Chikwereti chisingatauri chikwereti chisingagoni kushandiswa zvakare mushure mekubhadhara. Mienzaniso ndiyo zvikwereti zvevadzidzi uye mari yezvikwereti zvisingakwanisi kushandiswa zvakare kana vadzorerwa. Paunotora chikwereti pakutanga, iwe unobvumirana nechikwereti chekuda uye purogiramu yakasarudzwa yekubhadhara. Iwe unofanirwa kubhadhara mwedzi mumwe nomumwe kubhadhara chikwereti maererano nesungano. Zvichienderana nechibvumirano chako chechikwereti, pangava nechirango chekubhadhara chikwereti chako mberi kwepurogiramu.
Zvisizvo-zvinokonzerwa nezvikwereti zvigadzirwa zvinowanzova nehuwandu hwechikwereti zvichienzaniswa nekukweretesa kwekwereti. Izvi zvinobva kune njodzi yakaderera inosanganiswa nevasingarevi chikwereti chemarikiti, iyo inowanzisungirirwa kubhadhara iyo mubhadhadzi anogona kutora kana iwe usina kukwana pamitero.
Somuenzaniso, chikwereti chako chakasungirwa kune zvivako izvo uyo anokweretesa anokwanisa kutarisa kana iwe ukasara kumashure pamutero wako.
Kana ukangobhadhara mari yekwereti isiri iyo, iyo nhoroondo yakavharwa uye haigone kushandiswa zvakare. Iwe unofanirwa kuita imwe shanduro uye unoenda kuburikidza nemvumo yekubvumirwa kubhadhara mari yakawedzerwa.
Kurwisana vs. Kwete-Kuchinja Chikwereti
Kunyange zvazvo chikwereti chisiri chekugara chinowanzova nechechi chidimbu chechikwereti uye chinotarisirwa kubhadhara purogiramu, haina mamiriro ekugadzirisa kwekwereti. Iwe unogona kushandisa chikwereti chinoshandiswa kune zvakasiyana-siyana zvekutenga chero bedzi iwe unonamatira kumagariro emakadhi echikwereti.
Kune rumwe rutivi, chikwereti chisingadzoki chinowedzera simba nokuti unogona kubvumirwa nemari yakakwirira, zvichienderana nemari yako, mari yechikwereti, nezvimwe zvinhu. Nekuda kwehutano huripo, mabhangi anowanzopedza mari yaunogona kukwereta pane chikwereti chinowirirana.
Iwe haugone kutenga imba pane kadhi rechikwereti nokuti iwe ungangodaro haugoni kubvumirwa kuti chikwereti chikwereti chikuru chakakwana chekutenga.
Mhando mbiri dzekwereti zvikwereti zvinobatsira mumamiriro akasiyana. Iva nechokwadi chokuti unosarudza sarudzo yakakosha pakutenga kwaunoita. Pasinei nokuti uri kusarudza chikwata chekwereti chinenge chiripo kana kuti chisati chiripo, nyatsofungisisa mitemo uye kukwereta mari uye kubatisisa chibvumirano chekubhadhara kuitira kuti usakukuvadza chikwereti chako.