Chikwereti makadhi anogona kukuvadza kana kubatsira yako chikwereti chikamu; zvinoenderana nekushandisa kwaunoita.
Chikwereti chako chikoro chinobva pane ruzivo pamusoro pehupoti yako yechikwereti - nhoroondo yekwereti yako nekwereti yemari yako yakachengetedzwa nemakambani anonzi credit bureaus - anoratidza mukana wekuti uchabhadhara mari yawakabhadhara kwauri. Mwedzi woga woga, wako kadhi rechikwereti (pakati pezvimwe mabhizinesi mashomanana) anorondedzera basa rako rekadhi rechikwereti kune rimwe kana kuti mamwe matatu matatu makuru ekubhadhara chikwereti kuti aiswe muchikwereti chako. Chikwereti chako chechikwereti, chikwereti chekadhi rechikwereti, nhoroondo yekubhadhara, chiitiko chebhuku, uye zuva rawakazarura nhoroondo ndezvikamu zvishomanana zvemashoko zvinokanganisa chikwereti chako chekwereti.
Kungova neKadhi KaKwereti Kunosvibisa Chikwereti Chako Chakwereta
Kana iwe uri mumwe wevatengi vakawanda vasina kadhi rechikwereti , chikwereti chako chikoro chinogona kuchinjwa. Ndiko kana iwe uine chikwereti chekwereti zvachose. Pasina kuzarura, nhoroondo dzinoshingaira pamushumo wekwereti yako, iwe hauzove nechikwereti chekwereti.
Marikiti yemakadhi ndeimwe yezvinyorwa zviri nyore zvikwereti zvekwereti kuti zviwanike izvo zvinoita kuti vave sarudzo yakanaka yekugadzira uye kuvaka chikwata chenhoroondo yechikwereti. Kana iwe uchitarisira chikwereti chako zvakanaka, chikwereti chako chikoro chicharatidza izvozvo.
Kuva nechiitiko chakasimba nemhando dzakasiyana dzekwereti zvikwereti - makadhi ekwereti uyewo zvikwereti - zvakanaka kune chikwereti chako.
Zvaunotora chikwereti uye Balance Information
Makadhi emakadhi echikwereti ane chikwereti chechikwereti , iyo ndiyo yakawanda yemari yechikwereti yako kadhi yemarikiti yakakupa iwe. Kunyange zvazvo vakakupa imwe chikwereti chekwereti, zvinoratidzika zvakaipa kana ukashandisa chikwereti chose. Kubvisa kadhi rako rechikwereti - kushandisa mari yako yose inowanikwa - kunoita kuti iwe uone seine chikwereti chakaipa uye chikwereti chako chikoro chichatambura nekuda kwayo.
Vakawanda vane kadhi rechikwereti vanokwereta vanorondedzera "kukwirira kwepamusoro" iyo ndiyo yepamusoro-soro yakambomanikidzwa pane kadhi rako rechikwereti. Saka, kunyange kana iwe uchibvisa kadhi rako rechikwereti uye uripa chikwereti, ripoti rako rechikwereti rinogona kuratidza kuti yakakosha. Zvakanakisisa kuchengetedza kadhi rako rechikwereti iri pasi pe30 muzana yekwereti yako chikwereti kuitira kuti usatarise semunhu akakwereta asingakanganisi.
Mari Yenyu Yekubhadhara Kadhi Kwemwedzi
Kunyange zvazvo yako yekupedzisira yemari yekubhadhara kadhi rechikwereti yakabatanidzwa pamushumo wekwereti yako, haisi kugoverwa mukwereti yako chikoro. Mari yako yekubhadhara inogona kukanganisa yako chikwereti chikoro. Yeuka kuti muyero wako maererano nechikwereti chako chechikwereti chinowanikwa mukwereti yako. Mibairo mikuru inoderedza bhaari yako nokukurumidza uye inogona kubatsira kusimbisa chikwereti chako.
Nguva yekukweretesa kadhi rechikwereti yako ndeimwe yezvinhu zvakakosha zvinokonzera chikwereti chako.
Panguva yekukweretesa kadhi rechikwereti kunobatsira kusimbisa chikwereti chako chikwereti apo nguva dzekupedzisira dzinotora chikwereti chako chikoro pasi. Mari yekupedzisira inenge isingatauri kune zvikwereti zvekwereti kusvikira yava nemazuva makumi matatu apera. Iwe unogona kunge uchibhadhara mari yekupedzisira kana iwe uri mazuva mashomanana kubva munguva yako yekubhadhara kadhi rechikwereti, asi chikwereti chako chikwanganiso chinofanira kuchengeteka chero bedzi iwe uchibhadhara usati wapedza mazuva makumi matatu apfuura.
Credit Card Applications
Nguva dzose paunoshandisa kadhi rechikwereti , nhoroondo yekushanda kwako inoenda kune yako chikwereti chekwereti. Chikwereti chako chekwereti hachibatsiri kana iwe uchibvumirwa kune kadhi rechikwereti kana kwete. Kungoshandisa zvinogona kuva nechakaipa pane zvaunoita chikwereti. Zvizhinji zvekushandisa munguva shomanana zvinogona kukuvadza chikwereti chako. Nokuda kwechikonzero ichocho, zvakanaka kuti uchengetedze zvikwereti zvako zvekwereti chekwereti zvishoma.
Nhamba yeKadhi Makadhi Waunayo
Kuva nemakadhi akawanda emakadhi kunogona kukuvadza chikwereti chako. Zvinosuruvarisa, iyo makambani akavaka chikoro chekwereti haana kutitaurira nhamba chaiyo yemakadhi emakwereti ayo anokonzera chikwereti chako chikoro. Nhamba yacho inogona kunge yakasiyana kubva kumunhu kusvika kune munhu. MunaJanuary 2015, Nguva yakashuma munhu ane makadhi echikwereti 1,497 uye iri pedyo yakakwana chikwereti. Anongoshandisa imwe yemakadhi echikwereti, zvakadaro.
Kuchengetedza Makadhi Makadhi Ako Kwemazuva Akareba
Kana uchinge watora makadhi ako ekwereti, zviri nani kuti uwane chikwereti chako, kunyanya kana iwe une mukana wekubhadhara mbiri pamwe chete nemakadhi emakadhi. Chengetedza makadhi ako ekwereti kare kare uye uashandise nguva nenguva kuti ubatsire chikwereti chako chikoro, asi zvakare iva nechokwadi chekuti unoongorora zvikwereti zvekare zvekadhi rechikwereti nenguva nenguva. Kana iwe uine chikwereti chekwereti yakanaka, pane mukana unokwanisa kukodzera kadhi rechikwereti nemashoko ari nani uye mibayiro kune iyo yawakave nayo kubva pawakanga uri munhu mukuru.
Chinokosha pakuita kuti makadhi ako ekwereti arege kukuvadza chikwereti chako chikwereti ndechekuita kuti varambe vakasununguka uye vari kushingaira, vakamira zvakanaka, uye vane zviyero zvakaderera.