Shanda mukuvaka chikwereti chako nzira yakachengeteka
Akachengetwa makadhi emakwereti isarudzo huru kune avo vane dambudziko rekubvumirwa kubhadhara kadhi rechikwereti nekuda kwekanganiso dzekare dzekwereti kana kusakosha kwekwereti chekwereti. A kadhi yemakadhi yakachengetwa zviri nyore kubvumidzwa nekuda kwekuti iwe unogadzirisa kuchengetedza "kuchengetedza" chikwereti chekwereti. Chero bedzi iwe uri nenguva uchibhadhara, mari yako yekuchengetedza ichadzoserwa kwauri kana iwe uvhara account yako.
Nzvimbo dzakanakisisa dzakachengetwa makadhi emakadhi anopa zvakasiyana-siyana zvekunakirwa nevadhidhiki kubva pasi-kuchengetedzwa kunopa mubayiro uye kunyange kukwanisa kuva nemashanu-chikwereti chikwereti chikamu. Paunenge uchisarudza kadhi rechikwereti rakachengetedzwa, iva nechokwadi chokuti unoteerera kutengesa, kunyanya mari yegore negore sezvo isingadziviriki. Zvakanaka, iwe uchabhadhara chikwereti chako chakakwana kuti urege kubhadhara mitero asi enda kune chidimbu chechikwereti chakanaka kana iwe uchifunga kuti iwe unopedzisira uine chikwereti.
01 Makomborero Akanakisisa: Ona kuti Yakachengeteka
Ikaiwana Iko Yakachengetwa Chikwereti Chekodzero isarudzi rushoma rwekadhi rechikwereti rinopa mubairo. Iwe uchawana mazana maviri emari mari kumashure mumaresitorendi kana mapeji emagetsi kusvika kusvika ku $ 1 000 muzvibatanidzwa zvinotenga rimwe roga roga. Pamusoro peiyo, iwe uchawana imwe peresenti mari kubva kumashure ako ose akatenga. Sebhonasi, Discover ichakurumidza kuenzanisa mari yose yaunowana iwe mugore rako rokutanga.
Iwe unogona kuita mari shoma $ 200 chekuchengetedza mari kuti uzarure kadhi rako rechikwereti. (Iyo yakanyanya kuchengeteka mari ye $ 2,500). Zvadaro, kutanga pamwedzi misere, Discover ichadzorera nhoroondo yako yekodha kuti uone kana iwe ungagamuchira mari yekuchengetedza mari yako uye chengetedza chikwereti chako.
NeKuwana Chikamu Chekuchengetedzwa Kwekwereti iwe uchange uine rusununguko rusununguko rwezvikwata zvako zveFICO pamashoko ako ekubhadhara kwepamwedzi, kunyange pafoni uye paIndaneti. Tsvaga zvakare inopa hurukuro yehupfumi yehupfumi yehupfumi, kukuzivisa iwe kana huwandu hwehutano hwehupfumi hunowanikwa pahuwandu hwehuwandu hwepaIndaneti.
Mitengo inokosha : The APR ine 24.24 muzana uye hapana mari yegore negore.
02 Pasi Chekuchengetedza Zvokuchengetedza: Capital One Secured MasterCard
Pamwe neGener One One Secured MasterCard, unogona kukwanisa kubhadhara mari yekuchengetedza $ 49, $ 99 kana $ 200 ye $ 200 chekuchengetedza. Iko kunyatsochengeteka kwako mari inobva pachikwereti chako chakamira. Mushure mokunge mvumwa, iwe uchange uine sarudzo yekuita chimwe chekuchengetedzwa kwekuchengetedza kwechikwata chepamusoro chemari kana uchida.
Nguva yako-nguva yekubhadhara nyaya. Mushure mokuita mari yako yokutanga yemwedzi mitanhatu panguva, Capital One ichakuongororai iwe nokuda kwekwereti chikamu kuwedzerwa, pasina kukuda iwe kuti uwedzere kumwe kuchengeteka mari.
NeGeor One Secured MasterCard iwe uchange uine ruzivo rwezvimwe zvinyorwa zve MasterCard zvakadai sechirongwa chakawedzerwa, motokari yemotokari inoshandiswa, inofambisa njodzi yendege, maawa makumi maviri emugwagwa rubatsiro uye kuchengetedzwa kwemutengo.
Mitengo Inokosha : The APR inopera 24.99 muzana uye hapana mari yegore negore.
03 Best No Credit Check: Denga Sky Secured Credit Card
Kubvira pakasununguka Sky Secured Credit kadi hazvirevi kutarisa chikwereti, zviri nyore kwazvo kugamuchirwa kana iwe uine maitiro ekupedzisira kana kuti kubhadhara kunogona kuita kuti zvive zvakaoma kuti ugone kugamuchirwa kune mamwe makadhi ekodhi akachengetedzwa.
Iwe unogona kuita kuchengetedzwa kwemari kubva ku $ 200 kusvika ku $ 3,000 nokuda kwechikwereti chikamu chemuyero wakafanana. Zvhura Sky inopa maitiro akasiyana-siyana ezvigadziro zvekuita kuchengetedza kwako, kunyange kana iwe usina chekuita chekuongorora. Iwe unogona kuita mari yacho nebhadhidhi yebhiridhi, kutengesa firimu kuBusiness Bank, Western Union, kana kutumira cheki kana kuti mari yekuita.
Nhamo, Open Sky haina kupa simba rekushandura kadhi yako kune kadhi rechikwereti risina kuchengeteka. Iyo inoshuma chikwereti chenhoroondo yako yechikwereti kumatatu makuru makuru echikwereti. Mushure mokunge makachengetedza nhoroondo yako zvakanaka kwemwedzi inoverengeka, unogona kukodzera kadhi risina kuchengetedzeka rechikwereti kune imwe kadhi yemakadhi.
Mitengo Inokosha: The APR ndeye 18.64 muzana uye mari yegore negore ndeye $ 35.
04 Best for High Credit Limit: Wells Fargo Secured Credit Card
Kana iwe uchida kuwana kadhi rechikwereti rakachengetwa rine mukana wekukwereta kwekwereti, Wells Fargo Yakachengetwa Chikwereti Chikwereti ndeyekutora kwako. Iwe unogona kuisa kusvika ku $ 10 000 nokuda kwe $ 10 000 chikwereti chikwereti. Izvo zvishoma zvidziviriro zviripo ndeye $ 300.
Nokufamba kwenguva, unogona kukodzera kubhadhara kune imwe kadhi rechikwereti risina kuchengeteka kana iwe uchitarisira nekodhi yako zvakanaka. Pachinyore, izvi zvinoreva kuita zvose zvaunenge uchibhadhara pamwedzi pane imwe nguva, pane zvose zvako zvekwereti, kwete yako chete Wells Fargo Secured Credit Card. Zvakanaka Fargo hazvireve kuti zvinotora nguva yakareba sei kuvandudza kadhi yako yekadhi yemakadhi.
The Wells Fargo Secured Credit Card inokupa ruzivo rwezvimwe zvikwereti zveVisa zvakadai semotokari yekurohwa kusagadzikana kwekukuvara, kusafambisa uye rubatsiro rwekukurumidzira nekuchengetedzwa kwefoni.
Mitengo inokosha : VaMeti 20.25 muzana pamitengo uye kutengesa kuwedzerwa uye mutengo wegore ndewe $ 25.
05 Best for Military: Navy Federal nRewards Secured Visa
Iyo Navy Federal nRewards Secured Visa ndeimwe isingawanzochengetedzeka kadhi rechikwereti rinopa mubayiro - imwe pfungwa yebhadharo yose yaunopedza kuva yakarurama. Unogona kuregera pfungwa dzako pamakadhi emakadhi, mutengesi, mari kumashure kana mutemo chikwereti.
Mibayiro inopera makore mana kubva pamwedzi waunowana. Hapana muganhu wehuwandu hwezvipo zvaunogona kuwana uye unogona kuzvidzikinura kana ukawana chikamu 1000 (iyo inenge $ 1 000 mumari).
Kana iwe uri nhengo kana veteran veArmed Forced, aDD vehurumende kana nhengo yemhuri mune imwe yeiyi, unogona kukwanisa kupinda Navy Federal Credit Union uye kushanda kuNavy Federal nRewards Secured Visa. Iwe unofanirwa kuita mari ye $ 500 muNot Federal Account yakakodzera kwauri iwe unogona kushanda maRewards Secured Visa.
Mitengo inokosha: The APR iri 9.99 kusvika 18 muzana zvichienderana nekutora chikwereti chako uye hapana mari yegore negore, mari yekubhadhara mari kana mari yekubhadhara kunze kwenyika.
06 Best for Imprograding: First National Bank Vhiza Yakachengeteka
NeChishanu National Bank, Visa Yakachengetedzwa Kadhi Yakachengetwa, yakanaka yekubhadhara chikwereti inorayira. Iwe uchakodzera kubhadhara chikwereti mumwedzi shomanana semwedzi minomwe kana iwe ukaita zvose zvaunotora pamwedzi pamwedzi. Zvadaro, iwe unogona kukodzera kugamuchira kuchengetedzwa kwako kubhadhara zvakare mumwedzi shomanana gumi nemana. Zvakare, iwe uchafanirwa kuchengetedza yakanaka mbiri yechikwereti kuti uvandudze kero yako kune kadhi rechikwereti risina kuchengeteka. Iwe unogona kuzarura account yako nekuchengetedzwa kwemari pakati pe $ 300 ne $ 5,000.
Sokutanga kweKadhi National Bank, iwe uchagamuchira mahwendefa eFICO chikamu mwedzi woga woga nemutemo wako wekubhadhara mwedzi woga woga. FICO yako inokupa chiratidzo chekukwereta kwako uye inokuratidza kuti chikwereti chako chinokonzerwa sei nenguva.
Mitengo Inokosha : The APR ndeye 18.99 muzana pamatengo uye kutengesa kwebhaari uye hapana mari yegore negore.
07 Best for Interesting: USAA Secured American Express
Kana iwe ukanyorera USAA Secured American Express, uchazarurawo chikwata chemakore maviri chekuisa (CD) iyo inotarisira kuchengetedza kwako uye inokwereta mutengo wekutsvaga uripo pane yako. Iwe unogona kuisa kubva $ 250 kusvika ku $ 5,000 kuti uwane chikwereti chako. Kana iwe uchikwanisa kuisa, iwe unowedzera kufarira iwe unogona kuwana. USAA ichapa mbiri yako yemakadhi echikwereti kune zvitatu zvakakura zvikwereti zvekwereti, izvo zvichabatsira chikwereti chako chikoro chero bedzi iwe uri nenguva uchibhadhara.
Iwe unofanirwa kuva nhengo yeU.AA inoshandisa USAA Secured American Express. Unhengo hunovhurwa kune nhengo dzehondo uye mhuri dzavo.
Mitengo Inokosha: VaMupu vane 11.15 kusvika 21.15 muzana, hapana chirango chaMPA uye mari yegore negore ndeye $ 35.