Vhura Credit Card yako Nzira Yakarurama
Pane zvikonzero zvakawanda zvakanaka zvekuvhara kadhi rechikwereti: iwe une zvikwereti zvakawanda zvekwereti , wako kadikiti inokwidza chikwereti chako kana kuwedzera mutengo wegore negore, kana nekuda kwekuti iwe haudi iyo kadhi rechikwereti zvakare. Kusiya makadhi ekukweretesa kuvhurwa kunowanzova kwakanakisisa kune chikwereti chako, asi kana wakagadzirisa pakvhara kadhi rako rechikwereti, heyi ndiyo nzira yakarurama yekuita nayo.
1. Cherechedza kana zvichange zvakakanganisa chikwereti chako.
Usati washevedza kadhi rako rekwereti rechikwereti kuti uvhare kadhi rako rechikwereti, tanga wafunga kana kuvhara kadhi iroro kuchaita kuti chikwereti chako chikwanise.
Kuvhara kadhi rechikwereti hausi kubvisa kubva kumurairo wako wekwereti, uye haibvisi chero mhemberero yekubatanidza yakabatanidzwa kubva kumukwereti wako wekwereti. Saka kana iwe uchifunga kuti unogona kuvhara kadhi rako rechikwereti kuitira kuti zvikwereti zvekwereti "zvikanganwe" kuti iwe wakanonoka, iwe uri kunze kwemahombekombe. Chero ipi zvayo yakaipa yemari yekubhadhara icharamba yakananga kwemakore manomwe.
Zvichida udzorere nhoroondo yako zvakare mumamiriro ezvinhu akanaka kuitira kuti chipo chekubhadhara chakanaka chigone kuiswa mukati mako chikwereti chako. Kana iwe mushure mokunge usarudza kuvhara iyo, icharamba iri pamushumo wako wekwereti kwemakore anenge gumi. Kana ukavhara account yako neyakare yakatarwa, inowira shure kwemakore manomwe.
2. Bhadhara kadhi rako rechikwereti
Iwe unogona kuvhara kadhi rechikwereti kunyange iwe uchiri nechikwereti, asi chikwereti chako chikoro chinogona kutambura nokuti mari yako yekushandisa ichaonekwa yakakwirira. Kushandiswa kwekwereti kunofunga kuti chiyero chekwereti yako chikamu kune zvikwereti zvekadhi rechikwereti uye chikamu chechipiri chikuru chinopinda muchikwereti chako.
Paunopfigira kadhi rako rekwereti nechiyero, iwe uchatozofanira kugara uchibhadhara pamwedzi (zvichida zvishoma) kusvika iwe wakabhadhara chikamu. Kana uchikwanisa, kuripa chikamu pane kadhi rechikwereti usati wavhara. Izvi zvingaderedza zvinokonzerwa nekwereti yako chikoro uye kukupa imwe chikwereti chiduku chekwereti chekwereti kuti uzvidye pamusoro.
Kana iwe usingakwanisi kubhadhara chikwereti chako uye iwe unoda kubhadhara kadhi rako rechikwereti, funga kuendesa chikwereti kune imwe kadhi rechikwereti. Kadhi rechikwereti risina chero chikwereti chakashandiswa kana chimwe chine chikwata chekufarira chikwata chiri chakanaka chekutsvaga kutengesa.
3. Shandisa kadhi rako rechikwereti mubayiro.
Paunovhara kadhi rako rechikwereti, hauzokwanisi kushandisa chero mimwe mibayiro yawakashanda zvakaoma kuti uwane. Usati wavhara kadhi yako, chengetedza mibairo yako yakaenzana kuti uone mibayiro yakawanda yaunayo. Kununura mibairo yako sekuti chirevo chikwereti chinogona kuderedza bhadha yako yakajeka. Zvechokwadi, kana iwe usati wambosangana nechirongwa chekudzikinura iwe ungave uchida kubvuma kurasikirwa nemubairo. Izvi zvinogona kuitika kana kadhi yako yekubhadhara chikwereti ichida kuti iwe udzikinure mubairo wako mukuwedzera kwe $ 25 uye une $ 15 chete.
4. Taura nebasa rako rekutengesa makadhi yemarikiti
Dana nhare yako yekambani yemakadhi uchishandisa nhamba yefoni kumashure kwekadhi rako rechikwereti. Regai mumiririri azive kuti unoda kuvhura kadhi yako yekadhi yemakadhi. Usashamisika kana mumiririri akaedza kukutaurira iwe kuchengeta nhoroondo yako yakazaruka. Semuenzaniso, vanogona kugovera kuderedza chikwereti chenharaunda yako kana kukunyorera iwe purogiramu yemubairo sechikurudzira.
Kana uri nechokwadi chokuti unoda kuvhara kero, usazvibvumira kuti uve nechokwadi kune imwe. Cherechedza zuva uye nguva yawakaita chikumbiro ichi.
5. Tevedzera mukunyora.
Tsvaga ne tsamba kune kadikiti yako yemukwereti kuitira kuti iwe uve nekodzero yekukumbira kuti kadhi rako rechikwereti rivhare. Isawo zita rako, kero, uye nhamba yekadhi yemakadhi yekwereti (kana kuti zvishoma mazita mana ekupedzisira ehamba kadhi). Taura kuti iwe wakaita chikumbiro foni kuti ivha yako igadzirwe uye ona zuva rekukumbira. Tumira tsamba yako kuburikidza netsamba yakagadziriswa kuitira kuti iwe uve nehuchapupu hwokuti tsamba yacho yakatumirwa uye yakagamuchirwa kana ichocho chichimbova mubvunzo. Chengeta kopi yechiratidzo uye risiti yakakoshesirwa risiti yemarekhodi ako.
Kadhi kadikiti yako yechikwereti inowanzovhara kadhi rako rechikwereti kana iwe usingateereri netsamba.
Kutumira tsamba kunokupa uchapupu hwokuti iwe wakaita chikumbiro chekuti akaunti yako ivhare kana ikambova nemubvunzo mune ramangwana.
6. Tarisa kuve nechokwadi chekuti akaunti yako yakavharwa.
Mumavhiki mashomanana, chengetai chikoro chako chekwereti kuti uone kuti kadhi rechikwereti rinonzi rakavharwa newe. Iwe unogona kutarisa chikwereti chako chechikwereti nekusununguka kuburikidza kuenda kune AnnualCreditReport.com kana kushandisa sarudzo yekusununguka seCredit Karma, Credit Sesame, kana WalletHub.
Izvi hazvizoiti kuti zvikuvadze chikwereti chako chikwereti kana zvisingaratidzi sekuvharwa kana kana zvichiti chakavharwa nekadhi kadhi rako rechikwereti , asi iwe unoda kuti ripoti rako rechikwereti riratidze zvakajeka maitiro eakaunti yako. Taura nekadhi yako kadhi rechikwereti kana kuti faira kukakavadzana nekodhi bureau kana kadhi yako yekadhi yekwereti isingaratidzi sekuvharwa.