Tsvaga Mabhenji Anokubvumira Pasina Mvumo
Iva nechokwadi chokuti Une Basa
Iwe unofanirwa kuva nemari yakakwana yekubhadhara chikwereti chako chekadhi rechikwereti, kunyanya kana uri pasi pemakore makumi maviri nemashanu. Mari yaunoshandisa purogiramu yako yekadhi yekwereti inofanira kuva yako - haugoni kushandisa mari yevabereki vako, mudzimai wako, kana imwe nhengo dzemhuri kuti dzikwanise kuwana kadhi rechikwereti kunze kwekuti iwe unokwanisa kuwana mari iyoyo.
Mitsara inowanikwa inowirirana zvichienderana nekadhi rechikwereti, asi iwe unofanirwa kuita mari shoma yekubhadhara chikwereti chako chekwereti mwedzi mumwe nomumwe. Iyo inowedzera mari yako, iyo mikana iri nani yaunayo pakubvumidzwa kune kadhi rechikwereti kunyange iwe usina chikwereti chekwereti.
Pre-Qualify yeKodhadhi yeKadhi
Pane vashomanana vakuru vemakadhi ekukweretesa vane kambani yekugadziriswa kwekutsvaga iyo inokubvumira kuona kana pane kadhi rechikwereti rinowanikwa kune purogiramu yako yechikwereti. Izvi zvinotangisa zvikwereti zvinowanzoita soft credit checks - zvinoreva kuti hazvizokuvadzi chikwereti chako chikwereti kana kuratidzira pane repoti rako rechikwereti apo mumwe munhu anoongorora mushumo wako.
Kana iwe ukazopedzisira uchitora nekadhi kadhi rechikwereti, iyo kubvunzurudza kwakaoma kucharatidza pamusoro pekwereti yako yekwereti uye ine mukana wokuderedza chikwereti chako chikwereti.
Kutanga-kukodzera kwekadhi rechikwereti hazvirevi kuvimbiswa. Zvimwe zvinhu - kufanana nemari yako - zvinogona kuita kuti iwe urege kurambwa nekuda kwekadhi rechikwereti iwe wave wakatarisa.
Kana iwe wakarambwa, uchawana tsamba mutsamba inokuudza chikonzero chaicho. Shandisa ruzivo urwu mumutsara kuti usarudze zvaunoda kuita.
- Capital One Pre-Qualify
- Citi Pre-Qualify
Wana Chikwereti Chekwereti Chevadzidzi
Kana iwe uri mudzidzi, unogona kukodzera chikoro chekwereti yevadzidzi . Aya makadhi akagadzirirwa vadzidzi vekoroji avo vangave vasina mari yakawanda kana chikwereti chekwereti . Kuti ukwanise kuita, iwe unogona kunge uchipa uchapupu hwokuti iwe wakanyoresa mune imwereji yepamusoro kana yunivhesiti. Sarudza nokungwarira. Mamwe makadhi emakadhi echikwereti ane mari yakawanda yekutora uye yakawanda yemari.
Shandisa Chikwereti Chekwereti
Dare rekutengesa makadhi emakadhi ane mukurumbira wokubvuma chikwereti chekwereti kune vanhu vasina chikwereti. Iwe unowanzoita kuti ugamuchire kubva kune "makadhi akavharwa asina kodzero yeVisa kana MasterCard." Iwe haugoni kushandisa kadhi rechikwereti kunze kweiyo imwe nzvimbo, asi ichakupa mukana wekutamba Tanga chikwata chako chechikwereti Chenjerera: mabhizimisi ezvitoro zvemakadhi emakadhi ane zvikwereti zvishoma zvekukwereta uye yepamusoro yemari yekutora. Chengetedza chikwereti chako uye ubhadhe mari yako kuitira kuti usabhadhara mari yakawanda.
Iva neKachengetwa Kadhi Yakachengeteka
Akachengetedza makadhi emakwereti ndeyekuenda -kumakadhi kuvanhu vasingakwanisi kugamuchirwa kune kadhi rechikwereti rechikwereti .
Hapana chakakanganisika nekuva nekodhi rakachengetwa kadhi rechikwereti chero bedzi iwe uchisarudza imwe iyo inoshuma kune huru huru yemari yechikwereti uye ine zvishomanana mari.
Chii chinoita kuti kadhi rechikwereti rakachengetedzwe kubva kune mamwe makadhi emakwereti ndeyekuti iwe unoita kuchengetedza mari kuti uwane chikwereti chekwereti . Vamwe vakachengetwa makadhi emakadhi anouya nemari yakawanda, asi kune mashoma makadhi emakwereti anochengetedza mari kune zvishoma. Kana iwe usina mari yakakwana yekuchengetedza mari yako pakarepo, unogona kupedza mwedzi mishomanana kuchengetedza zvekuchengetedzwa kwekuchengetedza. Iko Capital One Secured MasterCard ine zvishoma zvishoma kuchengetedzwa kwemari ye $ 49, $ 99, kana $ 200 ye $ 200 chikwereti chikwereti .
Wana Co-Signer
Kana iwe usingakwanisi kuwana kadhi rechikwereti iwe pachako, unogona kukwanisa kushandisa mukana wechikwereti chomumwe munhu. Iwe unogona kuwana mumwe munhu ane basa uye chikwereti chakanaka chokushanda newe, asi ziva kuti kuwana kadhi rechikwereti nemubati wekodhi kune zvinetso.
Iwe une mumwe munhu anobatanidzwa nemari yako, kutarisa zvaunotenga, uye kuve nechokwadi kuti iwe unobhadhara kadhi rechikwereti. Kana iwe usina kukwanisa kubhadhara kadhi rechikwereti, kureva iwe uchinge usina kukweretesa kana kubuda kunze kwekadhi, chikwereti chekosigner chakakanganiswa, zvakare. Funga zvakanaka usati wawana kadhi rechikwereti nemumwe munhu.
Mazano
Dzivisa kuisa muzvikwereti zvakawanda zvekadhi rechikwereti. Kana iwe wakashandurwa kune kadhi rechikwereti chikuru , kunyange kana uri mudzidzi kadhi rechikwereti, usaramba uchishandisa. Pane kudaro, tsvaga kadhi rechikwereti chezvitoro kana kadhi rechikwereti rakachengetedzwa. Sarudza makadhi emakadhi kare, saka hausi kutsvaga zvakanyanya kadhi rechikwereti iro richakubvumira iwe.
Chenjerera kune chero kadhi rechikwereti rinovimbisa kubvumirwa pasina kutanga kutarisa chikwereti chako. Pamwe pane kubata muhuwandu hwemari yakawanda kana yepamusoro yekutora chikwata kana zvose zviri zviviri.
Kadhi rakabhadharwa kune imwe nzira kune kadhi rechikwereti asi rinongobatsira chete kana iwe usina chekuita chekuongorora uye kadi yebhengi . Makadhi akabhadharwa haabatsiri iwe kuvaka nhoroondo yemarikiti. Vanongokubvumirai kuti muite kadhi rechikwereti-sekutengeserana, sekubhadhara pamapepa emhepo.
Kana ukangobvumirwa kubhadhara kadhi rechikwereti, shandisa zvine musoro kuitira kuti ugone kukwanisa kuwana makadhi emakwereti akanaka uye zvikwereti munguva yemberi. Chengetedza chikwereti chako pasi uye ubhadhe mari yako yakazara mumwedzi wega wega wega wega kuti uwane chikoro chenhoroondo yechikwereti.