Vanhu vazhinji vanozvidzivirira kuisa firiji nekuda kwekuti vanotya tsamba tsvuku "B" ichavadzivisa kuti varege kuwana chikwereti zvakare zvakare. Kunyange zvazvo kubhadhara kunogona kugadzirisa dambudziko rakaoma kune chikwereti chenhoroondo yako, rinopukunyukawo slate yako yakachena, kukubvisa kubva kune chikwereti, nekukupa mukana wokutanga. Zvechokwadi, iwe unoda kutanga pakarepo iwe wagadzirira, saka iwe unogona kutanga kuvakazve chikwereti chako. Vanhu vane chikwereti vane mitemo yakasiyana-siyana yekubvuma makadhi emakwereti kune vanhu vane kubhadhara kwekare.
Kuwana kadhi rechikwereti mushure mokunge uchinge wafa kungasave wakaoma sezvamunofunga.
Iyo Bankruptcy Inobata Sei Kubhadhara Kwako
Sezvaunogona kunge uchiziva, iwe une gwaro rekwereti rine chinyorwa chekwereti yako yekwereti. Kuparara kuchaenda kune chikwereti chekwereti uye ichagara kwemakore manomwe kusvika kune gumi, zvichienderana nerudzi rwekuputsa iwe kwawakaisa.
Kana iwe wakanga uine chikwereti chikuru chekwereti pawakaisa chikwereti, chikwereti chako chikwanganiso chinogona kudonhedzana mazana mapepa kana bhadhakiti ichirova chikwereti chako chekwereti. Chikwereti chako chikwanganiso chingave chisina kuisa zvakawanda kana iwe wakatotora chikwereti chechikwereti chisati chasati wasati wasvika pakudarika kubhadhara. Vanhu vane chikwereti vachakwereta mushumo wenyu wechikwereti kana kuti chikwereti chekwereti paunenge uchiita kadhi rechikwereti, asi izvozvo hazvingakuregi kuti uwane kadhi rechikwereti.
Ziva Paunenge Wagadzirira Chikwereti Chakwereta
Usati wanyorera kadhi rechikwereti, iva nechokwadi chokuti wakagadzirira mutoro. Iwe haugoni kuisa bhadhaki zvakare kwemakore anoverengeka, saka kana ukapinda muchikwereti chekwereti chikwereti zvakare, kubhadhara hakuzovi sarudzo yekuregererwa.
Iva nechokwadi chokuti wakagadzirisa kushata kwemitemo yakakuita iwe chikwereti. Paunowana kadhi rechikwereti zvakare, iwe unoda kurangwa zvakakwana kuti ubhadhara chete zvaunogona kutenga pamakadhi ako ekwereti uye ubhadhe mari yako yakazara mwedzi mumwe nomumwe.
Chengetai Mabhokisi Emaepa eZvikopo ZveKadhidhi
Kuchengeta bhokisi rako remao nderimwe yenzira dzakanakisisa dzekuwana kadhi rechikwereti mushure mekufa.
Mamwe makadhi emakadhi, vachiziva kuti haukwanise kuisa bhadhaki zvakare kwemakore anoverengeka, achatumira zvinopiwa zvekadhi kadhi. Aya makadhi echikwereti ndeimwe yemikana yako yakanakisisa yekutenderwa.
Kana iwe wakambosarudza-kubva pakagamuchira zvipo zvinotenderwa kare pakadhi yemakadhi, somuenzaniso, kuderedza mail risina jira , kadhi rechikwereti rakabhadhara haungakutumiri chero zvipi zvayo nokuti iwe wakavaraira kuti varege. Iwe uchazofanira kupinda zvakare nekuenda kuOptOutPrescreen.com kuti utange kugamuchira zvinopiwa kubva kumakambani ekadhi rechikwereti.
Ramba uchifunga mupfungwa dzako, zvisinei, izvo zvakagara zvagamuchirwa kadhi rechikwereti hazvibvumirwi kuvimbiswa. Iwe uchazofanira kushandisa uye kupfuura nepurogiramu yekubvumirwa kwekushandiswa. Kana, zvichiitika, iwe wakarambwa, kadhi rechikwereti rinotumira tsamba kukuzivisa iwe zvikonzero zvawakashandurwa.
Rongedza Zvaunotarisira
Usatarisira yako yekutanga post-bankruptcy kadhi rechikwereti, kana zvichida yako yekutanga ma kadhi kadhikiti mushure mekushungurudzwa, kuti uve nemashoko makuru. Marikiti yemakadhi nemubairo uye mari shoma inobhadhara yakachengeterwa vatengi vane zvikwereti zvakanaka zvekwereti. Kana uri kushingaira pakuvakazve chikwereti chako, iwe uchakwanisa kuwana mhando dzemakadhi ematokari ekupedzisira, asi iwe uchafanirwa kuratidza yako creditworthiness kutanga.
Dzivisa kushanda kwekadhi iwe wakabatanidzwa mubhengi rako. Makambani aya anonyanya kuramba kushandisa kadhi rako rechikwereti. Iva nechokwadi chekadhi yaunosarudza mitsara kune imwe yematatu makuru makuru ebhadhara chikwereti , kunyanya zvose zvitatu. Iwe unoda kushandisa kadhi rako rechikwereti kuti riendese pamushumo wekwereti yako kuitira kuti iwe unogona kutanga kuratidza maitiro akanaka echikwereti.
Funga nezveKadhi Yakachengetwa Kadhi
A kadhi rechikwereti yakachengetwa inoda kuti iwe uite mari yekukwereta pamukwereti wechikwereti. Mushure mekufa, iwe unowanzobvumirwa kugamuchira kadhi rechikwereti rakachengetedzwa nekuti haisi pangozi yekadhi yemakadhi. Vamwe vakachengetwa makadhi ekwereti vangave vasina kukubvumira iwe kana iwe uine chikwereti chakabudiswa mukati memakore maviri apfuura; verengai kuburikidza nemitemo yekufanirwa kune chero ipi zvayo yakachengetwa makadhi ekwereti iwe uri kutarisa kuona kana kubhadhara kunokudzivirira kuti usagamuchirwe.
Vashomanana vakawana makadhi emakadhi okufunga nezvazvo:
- Capital One Secured MasterCard
- Zivhura Chikamu Chekuchengeteka
- Zvakanaka Fargo Secured Visa Credit Card
- US Bank Yakachengeteka Visa Card
Chikwereti chako chechikwereti chichave chakaenzana nekuchengeteka kwako, saka ubhadhe zvakanyanya sezvaunogona nokuda kwekwereti chikwereti. Pashure pemwedzi yakawanda yekuchengetedza kadhi rako rechikwereti rakamira zvakanaka, unogona kukwanisa kuchinja kadhi yako kune kadhi rechikwereti risina kuchengeteka. Dzimwe chikwereti chekwereti vanobvumirana vanogona kunge vachida kukubvumirai kwekadhi risina kuchengetedzwa.
Dhodhi Dhadhiro Dzekutengesa Ingave Imwe Izvo Zvakanaka
Makadhi emakadhi ekutengeserana - ayo anopiwa nezvivako iwe uchitenga - kazhinji ane zvishoma zvishoma zvinogamuchirwa zvinogadziriswa zvevadzidzi. Iwe unogona kuva nemukana wokubvumirwa kune imwe ye makadhi emakadhi. Iwe unowanzobvumirwa kuti ubvumirwe nekodhi yemari yakasungwa yakavharwa, iyo iyo isina Visa kana MasterCard logo uye inogona kushandiswa chete muchitoro chezvitoro.
Ziva Iko Mapepa Api Okudzivisa
Mazhinji emakadhi emakwereti anopiwa kune vashandi vatsva avo vachangobva kuisa mubhadharo vane mari yakawanda yekutora uye mari. Kunyange iwe usingakwanisi kukwanisa kubhadhara chikwereti chekwereti, izvo hazvirevi kuti unofanirwa kubvuma chero kadhi rechikwereti iro richakubvuma iwe.
Dzivisa chero kadhi rechikwereti rine chikwereti chakakwirira kwazvo kana kuti icho chinokweretesa mari yakakwirira. Aya makadhi echikwereti haasi ndiyo nzira yakanakisisa yokutanga pavanokuisa muzvikwereti usati wambowana kadhi mune tsamba. Kana, sechisarudzo chekupedzisira, unosarudza imwe yemakadhi, kubhadhara mari yako nguva pfupi mushumo wako usati wasvika mutsamba uye ubhadhe mari yako yakazara mwedzi woga woga kudzivisa mari inodhura mari.
Paunenge uchipikira kadhi rechikwereti nokuti haudi kutombofanira kutarisana nechikwereti zvakare, iwe uchada kuvaka patsva chikwereti chako kana iwe uchida kubhadhara motokari kana imba. Marikiti yemakadhi ndeimwe yenzira dzakanakisisa dzokuzviita. Chengetedza zvishoma chete mwedzi woga woga uye ubhadhe mari yako yakazara mwedzi mumwe nomumwe uye, kwete chete iwe uchadzivisa kupinda mune chikwereti zvakare, nenguva iwe uchavandudza chikwereti chako.