Chikwereti chekwereti pane kadhi rako rechikwereti ndiro chikamu chakanyanya iwe unobvumirwa kuva nacho pane kadhi yako panguva yakatarwa. Kukura kwekwereti yako yechikwere kunobata simba rekutenga iwe une kadhi rako rechikwereti, kureva kuti chikuru chako chikwereti chekwereti, iwe unogona kutenga zvakawanda. Kana ukangosvika kune chikwereti chako, chikwereti chako hachizokubvumi kuti uite chero zvimwe zvekutenga kusvikira iwe uchibhadhara zvimwe zvebhadha yako yakasara.
Pane chimwe chikonzero chikwereti chako chechikwereti chakakosha zvikuru: chikwereti chako. Nhamba yekwereti yaunoshandisa inokanganisa chikwereti chako chikoro. Makumi makumi matatu muzana yemari yako chikoro inofunga chimwe chinhu chinonzi chikwereti chekushandisa . Ichi ndicho chiyero chekadhi rako rechikwereti kune chikwereti chako chemari. Izvo zvikurusa chiyero - izvo zvinoreva kuti uri kushandisa zvakanyanya zvekwereti yako chikwereti - zvakanyanya kuitika kune chikwereti chako. Chimwe chikwereti chechikwereti chakaderera chinoreva kuti hauzove nenzvimbo yakawanda yekuzvitenga kunze kwekuti inoshatisa chikwereti chako chemari.
Chikwereti Chiripo Chinogadziriswa Sei?
Kana uri kuronga kutenga kukuru kana uri kutarisa kubhadhara kutengesa, kuziva ruzivo rwako rwechikwereti zvisati zvaitika zvingakubatsira kuti uone kana kadhi rechikwereti richabatsira. Iwe unogona kutsika pamusoro pemakadhi emakadhi nemiganhu isingakodzeri zvaunoda, semuganhu wakaderera kadhi rechikwereti raisazokubvumira kuti uwedzere marari kana kukwidzika kwekadhi kadhi rechikwereti rausingaiti kuti uwane.
Zvinosuruvarisa, hazvigoni kutaurira kuti chikwereti chako chikwereti chichave chii kusvikira waponeswa. Kadhi kadikiti vanotora mashandisi anoshandisa zvinhu zvakasiyana-siyana kugadzirisa chikwereti chekwereti yemakadhi ekwereti uye kusvikira vafunga nezvezvikonzero izvi, havagoni kupa chikwereti chakasimba chekwereti kwauri.
Zvikonzero Zvinokuita Kuti Uwedzere Kukwereta
Rudzi rwekadhi rechikwereti. Funga nezvemakadhi echikwereti sechigadzirwa nemafungiro akafanotaurwa.
Kufanana nemari yekutambira uye mari, mari yechikwereti chimwe chimwe chinofanotaurwa. Iko mari yechikwereti yakagadzirirwa inobva pane kadhi rechikwereti.
Mamwe makadhi ekwereti ane chikwereti chekwereti, $ 1 000, somuenzaniso, kuti munhu wose ane kadhi yakagamuchirwa anogamuchira, pasinei nezvimwe zvinhu. Mamwe makadhi emakadhi ane chikwereti chikamu chechikwereti uye avo vanobvumirwa nemakadhi vanopiwa chikwereti chekwereti mukati mechiyero ichocho. Somuenzaniso, zvinokwanisika chikwereti zvikwereti zvekadhi rinogona kuwira pakati pe $ 5,000 ne $ 10 000. Izvo zvakanyatsoshanda zvakakodzera zvinoshandiswa zvichagamuchirwa kune chikwereti chekwereti pamucheto wakakwirira wezera.
Zvaizova zvakanaka kana vakadaro, asi kadhi rechikwereti vanotora havasingaparidzi chikwereti chekwereti yemakadhi emakwereti. Kana iwe uchinge uchitenderera kune dzimwe nzvimbo dzinowanikwa mawekiti ekuongorora zvikwereti zvekwereti, unogona kuwana ruzivo-rwakatumirwa ruzivo pamusoro pemari yechikwereti yemakadhi emakadhi akasiyana
Zvaunowana . Nhamba yemari yaunogadzira inowanzokonzera mari yaunogona kubhadhara. Paunenge uine mukana wakanaka wekutambira kune chikwereti chakakwirira chekwereti kana uine mari yakakwirira, hapana chivimbo chokuti mari yako ichawana iwe chikwereti chikuru chekwereti. Zvimwe zvinhu, sechikwata chekadhi rechikwereti, richiri kutamba.
Chikwereti chako-kusvika-purogiramu yako . Uchishandisa ruzivo kubva kumuradhi wako wechikwereti uye kushanda kwekadhi rechikwereti, kadhi yemakadhi yemukwereti achakwanisa kuenzanisa chikwereti chako -kusvika-kuwana chikamu .
Ichi chikamu chinogona kuchinja chikwereti chekwereti chaunowana pane yako kadhi rechikwereti. Izvi zvinoreva kuti mari yepamusoro inokanganiswa nekodzero huru yekutora chikwereti inogona kuunza chikamu chechikwereti chiri pasi kudarika kana iwe uri kushandisa mari shoma pamwedzi wekubhadhara chikwereti.
Nhoroondo yako yechikwereti . Iwe wakabata sei zvikwereti zvekwereti pane mamwe makadhi ako ekwereti haazongogumiri kana iwe uchibvumirwa kune kechikwereti chekwereti, asiwo chikamu chekwereti iwe uchabvumirwa. Mari yekupedzisira, zviyero zvepamusoro, uye mamwe mazano asina kunaka anoita kuti zvive zvishoma kuti iwe unobvumirwa kuti uwane chikwereti chikuru.
Zvikwereti pane mamwe makadhi emakadhi . Kadhi kadikiti vanotora vanogona kutora mazano avo kune mamwe makadhi emakwereti aunawo. Kana chikwereti chako chekwereti chinoratidza kuti une chikwereti chakakwirira pamamwe makadhi ako ekwereti, iwe une mukana wakanaka wekubvumirwa kune chikwereti chikuru chekwereti pane imwe kadhi rechikwereti.
Kune rumwe rutivi, kana iwe kazhinji waive ne $ 500 uye $ 1 000 chikwereti chikwereti, hazvigone kuti iwe uchabvumirwa kune $ 10 000 chikwereti chikwereti pakarepo.
Co-mumiririri wekodzero yemari uye yechikwereti . Kana uri kushandisa pamwe chete nemumwe munhu, kadhi rechikwereti chikwereti chichaona zvose zviri zviviri mari yako uye zvikwereti zvekwereti kuti uise chikwereti chako chikwereti.
Nhamba yezvikwereti zvebhangi nedzimwe zvinhu hazvigoni kukupa chikwereti chako chekwereti, kunze kwekuti iwe uchipa mari sechibvumirano chekuchengetedza chikwereti chekwereti sechinochengetwa kadhi rechikwereti.
Kuziva zvinhu izvo kadhi rechikwereti rinoshandisa kushandisa kugadzirisa chikwereti, iwe unowanzogamuchira chikamu chechikwereti chakaderera kana mari yako yakaderera, une chikwereti chakakura-kusvika-chekuwana, iwe uchangobva kutanga nekwereti kana vari kuvakazve chikwereti chenhoroondo yako, kana mitsara pane imwe yemakadhi ako ekwereti akaderera.
Zviitiko Zvimwe Zvikwereti Zvikwereti
Secured Credit Cards
Kunyange zvazvo tsika dzakawanda dzemakadhi ekukwereta dzinosarudza chikwereti chako, iwe unotora chikwereti chako chekwereti pane kadhi rekwereti rakachengetedzwa . Izvozvo ndezvokuti chikwereti chekwereti pane kadhi rechikwereti rakachengetwa kazhinji chinokwana nehuwandu hwekuchengetedza kwaunoita.
Zvichienderana nekodhi rakachengetwa kadhi rechikwereti, unogona kukwanisa kusvika ku $ 10 000 kune chikwereti chemari. Chinhu chinonyadzisa ndechokuti mari yawakashandisa kuchengetedza mari haisviki yekushandisa kusvikira wapfigira kero kana kadhi yako yekwereti yekwereti inotendesa kadhi yako kune kadhi rechikwereti risina kuchengetedzwa.
Chengetera Makadhi uye Kwete Huripo Kupa Makadhi Makadhi
Kune mhando mbiri dzemakadhi emakadhi asingatori chikwereti chakaoma: kukwereta makadhi uye makadhi emakwereti asina purogiramu yekushandisa mari .
Muzviitiko zvose izvi, hauna chikwereti chakasimba chaunogona kushandisa. Pane kudaro, kadhi rechikwereti rinokonzera muganhu unononoka unogona kuchinja zvichienderana nemari yako, mari yechikwereti, uye maitiro ekutenga. Kusiyana pakati pemhando mbiri idzi yemakadhi ndeyekuti unotarisirwa kubhadhara mubhadharo wakakwana pane kadhi yekubhadhara mwedzi mumwe nomumwe apo iwe unogona kubvumidzwa kuchinja mararamiro ako pane pasina kutarisa kushandiswa kukwana kadhi rechikwereti.
Ndeipi Iyo Unowana Kuda Kwemari Yako?
Kunyange nguva yekuwana chikwereti chako chikwereti chinonyatsoenderana nekadhi rechikwereti. Unogona kuwana chikwereti chako chechikwereti panguva imwe chete yaunobvumirwa, kana iwe usati udzidze kusvikira wagamuchira kadhi yako itsva mune tsamba.
Izvozvo zvinoreva kuti haugone kuita zvirongwa zvekushandisa kushandisa kadhi rako rekwereti kusvikira iwe wanyatsoziva kuti chikwereti chako chikwereti chichave chei.
Kuwana Higher Credit Limit
Iwe hausi iwe wakanyatsogadzikana nekwereti chikwereti iwe unotanga nawo. Pashure pemwedzi inoverengeka yekushandisa kadhi rako rechikwereti zvine kodzero, kadhi yako yekwereti yekwereti inogona kungosimudza chikwereti chako chemari. Kuti uwane mukana wakaisvonaka pakuwana zvikwereti zvinokonzera chikwere kuwedzera, shandisa kadhi rako rechikwereti, usapedza chikwereti, uye ubhadhara zvose kana kuti mari yako yakawanda mwedzi mumwe nomumwe.
Haasi ese kadhi rechikwereti rinobudisa mari zvinowedzera kuwedzera mari yechikwereti. Iwe unogona kunge uchikumbira chikwereti chekwereti chekuwedzera kwechikwata chikuru chekwereti. Zvakanaka nyore uye zvinokurumidza kukumbira chikwata chekukwereta chikwereti - ingopinda muakaunti yako yepaIndaneti kana kudana nhamba yako yekambani yemari yekwereti. Iwe unogona kunge uchidzokorora zvaunowana kana kupa imwe chikwereti chikwereti chemari yaungada kuigamuchira. Iko kadhi rechikwereti richagadzirisa chikumbiro chako uye kukuudza iwe kana chikwereti chako chekuwedzera chikumbiro chakabvumirwa.
Kana chikwereti chako chechikwereti chisingagamuchirwi , kadhi yako yekwereti yemukwereti inotumira email kana tsamba kukuzivisa iwe zvikonzero zvausina kubvumirwa. Kana chikoro chako chekwereti chichiita chimwe chinhu muchisarudzo, uchagamuchira kopi yepachena yemakato ayo akashandiswa uye zvinhu zviviri zvinokonzera chikoro chako. Kana mushumo wenyu wechikwereti wakashandiswa, uchagamuchira ruzivo pamusoro pekuraira kopi yekusununguka yemukana wechikwereti yaishandiswa mukusarudza.