Uye iwe unogona kuzviita usina kupinda mune chikwereti chero bedzi iwe uchitevera mitemo miviri inokosha: chengetedza chaunogona kuwana uye ubhadhe mari yako yakazara mwedzi mumwe nomumwe.
Kushandura chikamu kune chikamu chakaderera chechikwereti chekwereti.
Kana iwe ikozvino uri kutakura chikwereti pane kadhi rechikwereti rine chikwata chakanaka, iwe unogona kuchengetedza mazana emadhora kuburikidza kuendesa chikamu ichocho kune kadhi rechikwereti rine chidimbu chechibereko. Kutora mukana we 0% APR kubhadhara kugovera kukupa kuchakuchengetedza iwe mari yakawanda sezvo iwe unogona kudzivisa kubhadhara chikwereti kusvika kumwedzi 21 zvichienderana nekadhi rechikwereti raunosarudza. Semuenzaniso, unogona kuchengetedza madhora mazana mana nekudhinda $ 3,000 muyero pa17% kune kadhi rechikwereti rine 0% APR kwemwedzi 12, kana iwe unogona kubhadhara $ 251 mwedzi mumwe nomumwe.
Kushandisa 0% kutenga APR nekuda kwekutenga kukuru.
Munguva yakapfuura, 0% yekutangira mazana yakapiwa chete nekuenzanisa kuwedzerwa. Iye zvino, zvikwereti zvikwereti zvekwereti zvinopa 0% muzana wekutanga APR pakutenga pamwe chete.
Kana uine chinhu chikuru chetikiti chakutenga - itsva samani, chirongwa chekurapa, kana zororo-uchishandisa kadhi rechikwereti rine 0% APR ichakubvumira kuputsa mutengo mubhadharo yakawanda uye kuchengetedza mari kune chido.
Kubhadhara zvinhu zvose nemari yemakadhi yemakadhi.
Kwereka kare makadhi emakwereti ngaakuite iwe kuunganidza mari mibayiro pane yako kadhi rechikwereti.
Kana iwe ukakwanisa kushandisa kadhi rako rechikwereti kuti ubhadhara zvinhu zvose zvakanaka , uye kwete chete izvo zvinotenga zvinowana mibayiro yakawanda, unogona kuwedzera mari yako yakawanikwa mari. Somuenzaniso, kana ukashandisa madhora 3 000 mwedzi mumwe nomumwe pamitambisi nezvimwe mari, unogona kuwana $ 360 pagore pane kadhi inobhadhara 1% chete muzvipo.
Kushandisa kadhi rechikwereti nemabhonasi ekunyora.
Kune zvikwereti makumi maviri nemaviri zvemakadhi emakadhi ane kubhadhara mabhonasi pamusika ikozvino. Mabhonasi anotangira kubva kumari kudzokera kune hotera hotera yakasara uye pfungwa dzaunogona kushandisa kumatekiti emotokari. Kugamuchira bhonasi yekushandisa kunoda kuti iwe upedze mari yakati pane kadhi rechikwereti mukati memwedzi mishoma yekutanga yekuva nekadhi rechikwereti. Kana iwe uchikwanisa kugadzirisa izvo zvinoda, bhonasi ndeyako.
Kununura mari yako yekadhi rechipo.
Kunyange zvazvo mari inogona kunge iri mubhadharo wakasiyana-siyana - unogona kushandisa mari chero kupi-iwe unogona kuwedzera mibayiro yako kana iwe uchidzikinura mubairo wako wekadhi rechipo pamwe nemakadhi ekukwereta kadhi rechikwereti. Somuenzaniso, iwe unogona kukwanisa kutenga $ 20 mumari yemari ye $ 25 yechipo kadhi.
Dzoka motokari yemari inoshuwarenzi.
Kushandisa kugoverwa kwekuchengetwa kwemajeri emotokari kunogona kuwedzera mutengo wekubhadhara kwako kusvika $ 20 zuva rega rega. Ndiyo $ 140 kana iwe uchikwereta motokari kwevhiki!
Zvikwereti zvikwereti zvikwereti zvinopa mari yekubhadhara inshuwarisi chero bedzi iwe unoderedza kugoverwa kunopiwa nekambani yekubhadhara motokari uye kuripa kubhadhara kwako nekadhi rako rechikwereti.
Shandisa kadhi rako rechikwereti chekutsvaga mall.
Zvinotora zvishoma kuronga mberi, asi iwe unogona kuchengetedza mari pakudya, mathikiti emabhiiyo, maruva, nezvimwe nekugadzira kutenga kuburikidza nekadhi kadhi rechikwereti rekutsvaga mall. Tarisa pane yako kadhi rechikwereti iri paIndaneti rekutsvaga mall kuti uone kuti vatengesi vanopa zvikwereti.
Gamuchira mafirimu akasununguka kana hotera.
Shandisa mubhadharo wekufambisa kadhi rechikwereti kuti uwane makiromita kana mapikicha aunokwanisa kuzvidzikinura kuti uende ndege dzisina kubhadhara kana hotera yakasununguka. Iwe unogona kushandisa rwendo rusununguko rwezororo yegore negore, mazororo okufamba, kana kuti kumapera kwemavhiki.
Tenga pane zvekutengesa cardholder kutora mazuva.
Kunyange makadhi emakadhi ekutengesa haasi eko akakwereti makadhi emakadhi enyu - nekuda kwemahombeksi ekubhadhara uye kushandiswa kushoma - vamwe vane mibairo mikuru yehutano kupa zvikwereti zvakadai sezvikomborero zvakakosha zvevashandi vemakadhi.
Gap, somuenzaniso, inopa 10% kuderedzwa kweGap neGap Visa cardholders zuva reChipiri. Verenga kuburikidza nepurogiramu yako yemubairo kana kuti kudana kadhi yako mubhadhari kuti uone kana kadhi rako rechikwereti rekutengesa rinopa mazuva anochengeti kadhi kadiki.
Mutengo kuchinja.
Iwe hausi kuvenga kutenga chinhu uye kudzoka shure kwemazuva mashomanana gare gare kuti uone kuti yakanyorwa kumutengo wakaderera? Kadhi yako yekwereti inogona kudzorera iwe mutsauko wematengo. Iwe unodzivirira mutengo kana iwe uine Dudziro kana Citi chikoro chekodzero kana Chase Freedom kana Sapphire Preferred. Kana iwe uine imwe kadhi rechikwereti Kuwana nyore kubatsirwa kunobva pane yako kadhi rechikwereti. NeCiti, iwe unofanira kungozvinyorera chinhu chako neInternet Rewind tool. Tsvaga uye Chase zvinoda kuti iwe upedze fomu yekubvunza uye upe risiti inoratidza kutenga kwako uye ikopi ye fomu yekubvunza.
Yakawedzerwa waranti inobatsira.
Iwe unoda kutenga waranti yakawedzerwa pamagetsi anodhura, asi kushandisa mari yakawanda haisi chinhu chinokwezva. Kana ukashandisa kadhi rechikwereti chakanaka, iwe unogona kuwana zvakakwana waranti uye uchengetedze mari iyoyo. Chengeta makadhi ako ekwereti usati watenga kuti udzidze kana imwe yemakadhi ako akawedzera waranti uye zvaunofanira kuita kuti ushandise kubatsirwa. Chengetedza risiti yako yekutenga kwenguva yewaranti kuitira kuti iwe nyore nyore kutumira chirevo kana chiitiko chekukundikana kwechigadzirwa.
Usabhadhara mari yekubhadhara mari kune dzimwe nyika.
Zvikwereti zvakawanda zvekwereti zvinowedzera mari yekubhadhara kune dzimwe nyika , kazhinji 3% yemutengo wekutengeserana, pakutenga kwaunoita mune dzimwe mari. Kana iwe uchifamba munyika yose, mari iyi inogona kuwedzera nokukurumidza. Capital One waives mutengo wekubhadhara kune dzimwe nyika pamakadhi ese emakadhi. Saka, kana uchibuda kunze kwenyika, Capital One kadhi rechikwereti ndiyo yakanakisisa yekushandisa kwekutenga kwako.
Wana Zvakawanda Kubva Kadhi Remari Yako
Hapana chimwe chezvikomborero izvi zvakakosha kana ukatakura chikwereti uye uchibhadhara mitero yemari. Bhara bhadha yako yakazara panguva imwe neimwe mwedzi kuti urege kubhadhara chikwereti uye mari yekupedzisira.