Sarudzo dzekuwana Chikwereti Chekwereta Pasinei Nezvakaipa Zvakaitika Kare
Mari Yako Inowedzera Zvakadini?
Iwe unogona kunge uchiziva kuti une chikwereti chakashata nokuti wakambokumbira kadhi rechikwereti, chikwereti, kana imwe yemari-based service uye wakarambwa.
Kana iwe usati watoona, chengetedza chikwereti chako chikoro kuti uone kuti iwe unomirirei chaizvo.
Iwe unogona kugamuchira chikwereti chekwereti zvakangoerekana chave mumashure mushure mekurambidzwa chikwereti kana chikwereti chako chikoro chaive chikonzero chawakarambidzwa. Kana zvisina kudaro, unogona kutenga chikwereti chako chikoro zvakananga kubva kuFICO neyangu myFICO.com kana kuburikidza neyese yezvikwereti zvitatu zvemari. Vamwe vane kadhi rechikwereti, vanoona uye guru rekutanga, vanoita zvikwereti zvikwereti zviripo kune avo vanoita makadhi. Zvimwe, iwe unogona kuwana shanduro dzepachena dzekwereti yako chikwereti kubva kuneCreditKarma.com, CreditSesame.com, kana Quizzle.
Chenjerera mawebsite achitaura kuti anopa pachena chikwereti chikoro segimmick kuti akutsinhire kubhadharo yekubhadhara mari yebasa. Kana iwe uchifanira kupinda nhamba yako yekadhi yemakadhi kuti uwane "rusununguko" chikwereti chekwereti, chiratidzo chaicho chokuti iwe uri kunyoresa pakutsvaga kwekuedzwa uye iwe uchakwaniswa kana iwe usingaregi.
Chikwereti Cadhi yevanhu vane Bad Credit
Pane zvikwereti zvishoma zvemakadhi ekutsvaga zvakananga kune vanhu vane mvumo yakaipa.
Iko Capital One Classic Platinum inobvumira vatsvaki vane zvikwereti zvekwereti zvakaderera se 577 maererano neCreditKarma.com. Iko kadhi ine mapeji anogara 22,9% uye $ 39 yemari yegore. Iwe unogona kukwanisa kutenga mari yegore negore yaiived kana iwe uchikumbira.
Orchard Bank kadhi yemakadhi yaimbove yakasarudzwa zvakanaka kune vanhu vane chikwereti chakaipa.
Zvisinei, kambani yakabudisa Orchard Bank makadhi (HSBC) yakawanikwa neCommunity One muna 2012 uye makadhi eOrkrd Bank akaregwa.
Zvitoro zvekutengesa zvine mukurumbira wekubvumira vatsvaki vane yakaipa chikwereti. Iwe unayo mukana wepamusoro unogamuchirwa nekuda kwechikonzero chekwereti kadhi rechikwereti chinogona kungoshandiswa chete pachivigiro icho panzvimbo pane kadhi rechikwereti rakatsigirwa neVisa kana MasterCard. Ngwarira kuti mabhizimisi ezvitoro zvemakadhi emakadhi anouya nechepasi mari yechikwereti uye yepamusoro yemari yemari . Nzira yakanakisisa yokugadzirisa kadhi yakaita izvi ndeyokubhadhara chikamu chiduku uye kubhadhara mari yako yakazara mwedzi mumwe nomumwe.
Ida Kuda Kubhadhara Dhipatimendi
Vanhu vakawanda vanokwereta vanobvisa makadhi ekukweretesa akachengetedzwa nokuti makadhi anoda chikwereti chekuchengetedzwa kuti chigadziriswe pakatarisana nekwereti yechikwereti. A kadhi rechikwereti rakachengetwa iro rinoshuma kune mahofisi makuru ehurumende zviri nani pane kusina kadhi rechikwereti zvachose. Vakawanda vakachengetwa makadhi emakadhi vanogona kutendeuka kumakadhi emakadhikiti asina kuchengeteka mushure memakore ekutengesa nguva.
Kana iri mari yekuchengetedza iri kukuchengetedza kubva kuwana kadhi rekwereti rakachengetedzwa, tanga kuisa $ 50 mubhuku rekuchengetedza mwedzi mumwe nomumwe. Mumwedzi mitanhatu, iwe uchava ne $ 300 kuti uise kune kadhi rechikwereti rakachengetedzwa. Mimwe yemari inogona kushandiswa kutarisira mari yekushandira uye vamwe vose vanogona kuiswa kune chikwereti chekadhi rechikwereti .
Hongu, iwe uchava nechechi chikwereti chekwereti kutanga, asi izvi ndezvokwadi dzisina kubhadhara makadhi echikwereti chakaipa, zvakare.
Iko Capital One Secured MasterCard inobvuma kuchengetedzwa kwekuchengetedzwa kwekuchengetedzwa kwepamusoro kwe $ 49 kana $ 99 kune $ 200 chikwereti chikwereti zvichienderana nekwereti yako chikwereti. Kana uine chikwereti chakaipa kwazvo, uchafanira kubhadhara mari shoma ye $ 200 kuchengetedza mari, asi iwe unogona kuuya nemwedzi mina nekuchengeta $ 50 pamwedzi.
Iva nechido chekuita kuti chibayiro icho chizadzise chinangwa chokuvandudza chikwereti chako. Chero bedzi iwe uine mutoro nemari yako uye usati uchitsiva pane chikamu, mari yako ichadzorerwa kwauri.
Usatora Nguva paKwereta Makadhi nokuda Kwezvakanaka kana Zvakanaka Kwazvo
Dzivisa kushanda kwemakadhi ekukwereti ane chinangwa chevanhu vane zvikwereti zvakakwirira, "kuti uone" kana iwe uchigona kugamuchirwa. Iwe unogona kunge wakarambwa uye mamwe maitiro anogona kukuvadza chikoro chako chekwereti zvakare.
Iwe unogona kutaurira kadhi rechikwereti rinotarisirwa kune mumwe munhu ane chikwereti chakakosha kuburikidza nezvikomborero zvaunopa. Marikiti yemakadhi ane mibayiro yakanakisisa , APRs yakaderera , uye zvikwata zvekutsvaga zvido zvinowanzotarirwa nevatengi vane chikwereti chakanaka. Vafambisi vane varombo chikoro chikoro vanowanzorambwa.
Zvaunofanira Kuchenjerera
Chenjererai mari yekukohwa mari , kana makadhi ekukweretesa e-subprime, iyo inodhura yakakwirira yepamusoro mari inotora chikamu chikuru chekwereti yako chikwereti. Kunyange zvazvo Mutemo weSweden unogadzirisa chikwereti chemari kusvika ku 25% yekwereti yemari , chikamu chimwe chechirongwa chekwereti chekwereti chakashandura mutemo nekuongorora $ 90 mari isati yapiwa kadhi rechikwereti. Marikiti yemakadhi yakabudiswa neChishanu Premier uye Credit One mabhangi ndeyemakadhi emakadhi echikwereti kuti agare kure.
Makadhi okubhadharwa kare anowanzotengeswa senzira yevanhu vane mvumo yakaipa, asi aya haasi chaizvo makadhi emakadhi. Makadhi akabhadharwa anoda kuti iwe uite mari yako usati waigona kushandisa kuti utenge. Asi zvakasiyana nemakadhi ekwereti, kadhi yako yekubhadharwa kare yakabviswa kubva pachiyero chako. Makadhi okubhadhara mari haafaniri kukudziridza chikwereti chako, nokuti haazvipoti kumakurukota makuru echikwereti . (Havangagoni kubva apo ivo vasiri chikwereti.)
The Bad Credit Card Haisi Ikusingaperi
Marikiti yemakadhi kune vanhu vane mvumo yakaipa havakwanisi mitemo yekodhi yakaisvonaka. Mariro yegore negore, mutengo wepamusoro wepamusoro, pasi pekukwereta chikwereti, uye dzimwe nguva urombo hushumiri hwevatengi ndehumwe hwezvinhu zvaunofanira kutarisana nawo, asi kwenguva pfupi. Usatarisira kuti iyi yenguva pfupi yemakadhi echikwereti ive yakakwana. Chinangwa chako ndechekubhadhara chikwereti chako nenguva uye kuvandudza chikwereti chako kuitira kuti iwe unokwanisa kukodzera chimwe chinhu chiri nani, icho chinogona kuitwa mumwedzi inenge 12 kusvika ku18 kana iwe uine mhosva nemari yako.