Haisi chokwadi kana iwe uchifanira kutarisa kadhi rechikwereti?
Heano zviratidzo gumi iwe unofanirwa kuongorora kuti uone chimwe chinhu chiri kunze uko.
1. Kubhadhara Kwako Kwakavandudza
Paunenge uine chikwereti chakaipa, kadhi yako yekwereti yekwereti haigone. Iwe unogona kuzarura kadhi rechikwereti rakachengetwa kana kubvuma kadhi kadikiti yakakosha kuitira kuti ugone kuvakazve chikwereti chako uye unokodzera chimwe chinhu chiri nani. Sezvo chikwereti chako chiri nani, iwe unofanirwa kutarisa kadhi rechikwereti idzva nemashoko ari nani - kwete mari yegore negore, mubhadharo wepasi wepasi, uye pamwe nemubairo.
2. Uri kugovera zvipo zvekunyorera maCadhi
Kana kadhi rechikwereti rakagadziriswa pamakadhi ekwereti nemashoko ari nani kupfuura iyeyo iye zvino uri kushandisa, funga kutora chimwe chezvipo. Chokutanga, fanisa zvawakagamuchira mumeseji kune zvikwereti zvekwereti pane internet. Zvadaro, dana kadhi rechikwereti kana kuti shandisa paIndaneti kana waita chisarudzo chokupedzisira. Kusagamuchira chero kadhi rechikwereti rinopa? Iva nechokwadi chokuti hauna kusarudza-kunze .
3. Nhamba Yako Inofarira Is High
Usati wasvitsa kune imwe kadhi rechikwereti, edza kutaurirana mutengo wakaderera nekwereti yako kadhi rechikwereti.
Iva wakagadzirira kutamisa chikwereti chako kune imwe kadhi rechikwereti kana wako kadhi rechikwereti asingakwanisi kushanda newe . Iwe unogona kutamisa chikwereti chako kune kadhi rechikwereti rine 0% muzana yekutanga uye mubhadharo wechiyero kunze kwekubhadhara imwe dime yekufarira. Kana, iwe unogona kunge uchibhadhara chikamu chikuru chemari isina kufarira.
Chengetera internet kuti uwane huwandu hwekutsvaga kutengesa. Kubva munaFebruary 2016, Citi Simplicity iri kupa mwedzi wechi21 0 muzana APR pachiyero chinoendeswa!
4. Hausi Kuwana Makomborero
Mazuva ano, hapana chikonzero chekuti tisava nembairo kadhi rechikwereti apo akawanda makadhi emakadhi ane mapurogiramu makuru ekupa mubayiro - Tsvagai kunyange inopa kadhi rechikwereti rakachengetwa nemubairo. Kana ukashandisa kadhi rako rechikwereti kakawanda uye uchigara uchibhadhara chikwereti chako zvakakwana, mubairo wekadhi rechikwereti isarudzo yakanakisisa pane yako ikozvino kadhi rechikwereti risingakupizve mamwe mazano ekushandisa kadhi rechikwereti.
5. Hausi Kuwana Mubayiro Muzvikamu Kwaunoshandisa Mari Yakawanda
Kana iwe uchipedza zvakawanda pane gasi uye zvekutengesa - $ 500 kana kupfuura pamwedzi - funga nezveAmerican Express Blue Cash Preferred Card iyo inokwereta 6 muzana yemari yakadzoka pamatambudziko iwayo. Vanowanzofambira vanogona kubatsirwa kubva kune Chase Sapphire Preferred iyo inopa zvikamu zviviri pamadhora ekufamba uye kudya kwekutenga.
6. Iwe Hauna Kugamuchira Kuwedzerwa Kwekwereti Kwemakore
Kana chikwereti chako chekwereti chakaramba chichigadzikana apo mari yako uye chikoro chekwereti chawedzera, inguva yekutsvaga kadhi kadhi rechikwereti. Mamwe makadhi ekwereti ane chikwereti chekwereti chinoshandiswa kune vose vanoita makadhi pasinei nemari uye zvimwe zvinhu.
Chimbofunga imwe kadhi rechikwereti kana iwe usingagoni kuwana chikwereti chikamu kuwedzera pane yako yaunoda kadhi rechikwereti.
7. Uri kubhadhara mari yegore negore asi hauna kuwana zvimwe zvipo
Iko kune kaviri iwe unofanirwa kubhadhara mari yegore yekadhi rechikwereti: uri kuvakazve chikwereti chako uye makadhi chete iwe unokodzera kuwana mari yegore negore kana kuti kadhi rako rechikwereti rinowedzera kupfuura mari yegore negore. Kana zvisina kudaro, tora mari yako yegore yekubhadhara kadhi rechikwereti yekadhi pasina mari yakawedzerwa.
8. Unoda Kutora Bhuku Rekushandisa Mabhodha
Zvikwereti zvemakadhi emakadhi zviri kupa mabhonasi kune vanochengeta makadhi vanoshandisa imwe mari yakawanda mukati meimwe nguva yakatarwa, kazhinji mwedzi mitatu. Kubata ndeyekuti iwe unofanirwa kunge uri mutevedzeri webhandi kuitira kuti uwane bhonasi. Zvinonyatsonaka here kubatisisa yako ikozvino kadhi rechikwereti iyo isingakupi mupi wemubairo apo iwe unogona kushandura kune imwe kadhi rechikwereti uye uwane rubatsiro kubva pairi?
9. Iwe Hauna Chikwereti Chako Chako Chako
Kana iwe chete kadhi rechikwereti rimwe chete kuti iwe uri mubvumirwe wemubhadhari wevashandi kana akabatana, inogona kunge yava nguva yekushandira kadhi rako rechikwereti. Chero bedzi uine kadhi rechikwereti nemumwe munhu, chikwereti chenhoroondo yako yekwereti inobva pane zvavanoshandisa kadhi. Kana ukakwanisa kukwanisa kuwana kadhi rechikwereti iwe pachako, tarisa kadhi kadhi rechikwereti rako, kunyange kana rakabhadhara rimwechete.
10. Current Credit Card Iri Kuenda
Dzimwe nguva makadhi ekubhadhara chikwereti anosarudza kusapfuudza imwe kadhi rechikwereti. Iyo Costco American Express, somuenzaniso, iri kurega nokuti Costco yakasarudza kushandisa Citi Visa sekadhi rechikwereti chedu redu. Chitupa chako chekwereti chekwereti chinogona kukupa sarudzo yekutsvaga kune rimwe kadhi rechikwereti mukati mehutoriko, asi kana uchida, unogona kutsvaga kadhi rechikwereti iri nani pane imwe nzvimbo.
Unofanira Kuvhara Chekare Yako Chikwereti Chekare Here?
Zvinowanzoita kuti kuchengeta kadhi rako rekwereti rechikwereti rizarurire nokuti nhoroondo yezera inobatsira chikoro chako chekwereti . Saka, kunyange kana ukashandura kune imwe kadhi rechikwereti, shandisa yako yakare nguva nenguva kuitira kuti iite basa uye inosanganiswa mune chikwereti chako. Kune rumwe rutivi, unogona kuvhara kadhi rako rekare rechikwereti kana kuripa mari yegore negore yausingadi kubhadhara. Iva nechokwadi chekuti iwe unobhadhara chikwereti chipi zvacho chakasara usati wavhara kadhi rechikwereti kuti urege kutora chikwereti chako chekushandisa.
Iva Nehanya Nekwereti
Kuzarura kadhi kadhi rechikwereti kunovhurawo kukwanisa kwedzikwereti. Ngwarira kuti urege kudarika mari ikozvino kuti une kadhi rimwe kadhi rechikwereti rakashama. Ramba uchida kukwereta izvo chete zvaunokwanisa kubhadharira zvakakwana mwedzi mumwe nomumwe kunyange iwe iwe ukagovana mari iyo pakati pemakadhi ako emakadhi.