Nzira Yokubhadharwa Kwekwereti YemaKwereti Kwakawanda Inokuitei Iwe
Kushaya chikwereti chekwereti chikwereti chikuru kune iwe unogona kufunga. Kambani yako yekadhi yemakadhi haichazovhenekeri pamusuwo wako mushure mekunge iwe uchinge usina kukwana, asi ivo vari kutora matanho kumashure. Izvo zvikwereti vako zvinopindura sei nekubhadhara zvishoma zvinogona kuramba zvichikukanganisa kwemwedzi, uye kunyange makore, achauya. Kuziva migumisiro yekubhadhara kadhi rechikwereti nguva yekupedzisira kunofanira kunge yakakwana kukuita kuti uwedzere kuedza kubhadhara panguva.
Zvinhu Zvina Zvinoitika Paunobhadhara Kare
Mari yako yekubhadhara kadhi rechikwereti inofungidzirwa nguva pfupi kana yakagamuchirwa mushure mekudzidzira nguva panguva yakakodzera kana kana iri pasi pemari shoma inokodzera. Hezvino izvo zvichaitika kana kubhadhara kadhi rako rechikwereti rapera.
- Mukwereti wako achabhadhara mari yekupedzisira . Mushumo wenyu wekubhadhara unotevera uchabatanidza mari yekubhadhara kwakapera / kutadza. Mari dzemazuva mashoma dzinowanzobva pa $ 15 kusvika ku $ 35, zvichienderana nekodha yako kadhi rechikwereti yakaderedzwa mari uye kana iri nguva yako yokutanga yakaderera mumwedzi mitanhatu yapfuura. Iwe uchabhadharwa kunonoka kwemwedzi mumwe nomumwe kubhadhara kwako kunonoka kana kuti kuderera kudarika kubhadhara kuripo.
- Chikwereti chako chekufarira chichawedzera kana iwe iwe uchibhadhara uine mazuva makumi matanhatu apfuura. Vanokweretesa havangokurongedzeri nekunonoka, vanowanzowedzera chikwereti chenharaunda yako kumutengo wekutengesa , iyo yepamusoro yekutora chikwereti pane kadhi rako rechikwereti. Nhamba yepamusoro yemari inowedzera inowedzera mari yako yepamhosva inoita kuti iwedzere kudhura kutakura chikwereti uye kuwedzera nguva yaunotora kuti ubhadhe chikamu chako.
Kana iwe ukaita mwedzi mitanhatu ye-pa-nguva, iwe mubhadhadzi wekadhi unofanirwa kuti udzorere chikwereti chako chekutanga, asi chengetani yako yekare. Kutenga kwakaitwa mushure mekunge chirango chave chakabudirira chinogona kugadziridzwa chiyero chapamusoro, zvichienderana nemashoko ako ekadhi rechikwereti .
- Mari yekubhadhara iri kuwedzerwa kumurairo wako wekwereti apo kubhadhara kwako kwemazuva makumi matatu apera. Imwe inowanikwa yakawedzerwa kune repoti yako yekwereti uye inogona kugara kwemakore manomwe. Kana iwe ukasasikirwa nebhadharo inotevera, iyo inowanikwa inovandudzwa kusvika mumazuva makumi matanhatu, uye zvichingodaro mumazuva makumi matatu ezuva kusvikira kero yako inotorwa-yapera mushure memazuva 180.
- Chikwereti chako chikoro chingadonha . Nemhaka yokuti nhoroondo yekubhadhara inoumba 35 muzana yekwereti yako chikoro , kuchema kwekupedzisira kunogona kuva nemigumisiro yakakura pamakero ako, zvichikonzera kukwanisa kwako kuwana mvumo mitsva munguva yemberi. Kuwanda kwekwereti yako chikwereti kudonha mushure mekubhadhara kwekupedzisira kunobva pane imwe ruzivo mukwereti yako chikamu - kazhinji, zviri nani iwe chikwereti, humwe humwe hunoti huripo huri kurasikirwa.
Mari yekupedzisira inenge isati yasvika kune chikwereti chekwereti kusvikira mushure memazuva makumi matatu. Saka kana uri pasi pemazuva makumi matatu, iwe unogona kuita mubhadharo uwedzere mari yaunonoka uye usadzivisa chero kukanganisa kumbiko wekwereti yako kana kuti chikwereti chekwereti. Kadhi kadi yako yekubhadhara chikwereti inogona kubhadhara mari yekubhadhara kwekukurumidza kana iwe uchikumbira uye chero bedzi kubhadhara kwekupedzisira kwave kwakasarudzwa.
Pamazuva makumi matanhatu apera, kadhi yako yakabhadhara inogona kusimudza chikwereti chako chekuda kusvika kune yakashata kana chirango chechirango. Iwe unogonawo kurasikirwa nehuwandu hwekutsvaga kwekufarira iwe waive nekadhi rechikwereti. Iwe unogona kusakwanisa kutenga mari mumubairo wako kana kadhi yako ichidarika. Zvakaipisisa, kubhadhara kwekupedzisira kunogona kukonzera iwe kurasikirwa zvimwe kana mimwe mibairo yawakaunganidza.
Nenguva iyo nhoroondo yako mazuva makumi mapfumbamwe apera, kureva iwe wakarasikirwa nemitengo mitanhatu, kadhi yemupaiti inowanzopa -kuvhara iyo account, ichiinyora semarasikirwa.
Iko kupiwa-kuendesa kunoendesa kune chikwereti chako chekwereti uye kunogara kwemakore manomwe.
Mazororo Okupedzisira uye Your Credit Score
Mari yekubhadhara mushure mekunge uye mari yepamusoro yekutora ine mhinduro yakaipa yekubhadharwa kwekadhi rechikwereti. Zvichida, iyo yaunonyanya kuda kukudzivisa ndiyo yakakonzera chikwereti chako. Chibharo chekupedzisira chinonyatsoitei kumakoro ako?
Kuti kubhadhara kwekupedzisira kwakakanganisa chikwereti chako chikoro kunoenderana nezvimwewo ruzivo mubhuku rako rekwereti. A FICO Chikwereti Chinetso Kuenzanisa kunoratidza kuti kutora nguva kunosvika kune mumwe munhu ane chikwereti chakakwirira chepamusoro uye hapana mhemberero yakadarika yakapfuura kupfuura mumwe munhu ane chikwereti chechikwereti chakaderera uye zvakapera nguva dzekubhadhara.
Isuwo tinoziva kuti:
- Kushaya chikwereti chimwe chete kwemwedzi mumwe chete kana maviri hazvizove zvakashata nokuda kwekwereti yako.
- Kushaya mamiriyoni ehomwe kwemwedzi mumwe kana maviri kwakaipa.
- Kushaya mubhadharo kwemwedzi mitatu chete nguva imwe chete kwakaipa semhosva yekubhadhara kana kuunganidza .
Hapanazve Zvose Zvakasikwa
Chikwereti CARD Act ya2009 chakarambidza zvachose kusakanganiswa , saka iwe muchengeti wekwereti yemukwereti haabvumirwi kuwedzera chikwereti chako chaunoda kana iwe wakanonoka kubhadharo kune mumwe mukadhi wemakadhi. Dzimwe kadhi rechikwereti rinokwanisa, zvisinei, kuwedzera chiyero chako pane zvimwe zvikwereti zvekwereti zvaunazvo nekambani iyoyo.