4 Zvinhu zvekutarisa paNew Credit Card yekudzivisa "Hwakavanzwa" Mari
1. Teaser Rates
Chimwe chemhosva huru yekadhi yemakadhi yemakadhi inouya mumhando ye teaser rates, iyo inowanzo inowanzopiwa semutengo wekutora mutengo pane imwe kadhi rechikwereti.
Iwe zvichida watova kugamuchira izvi zvinowanikwa mumeseji nguva dzose uchiedza kukukwezva iwe nechepasi zvakanyanya, kana kunyange ye 0% yekutanga kutora mutengo. Kunyange zvazvo izvi zvichiita sezvibvumirano zvakanaka, mazinga aya haasati apera. Kazhinji mutengo we teaser unongopedza mwedzi mishomanana kana pazviitiko zvisingasviki kusvikira pagore.
Usati wasayina chero kadhi chero ripi neripi rakaderera, verenga zvinyorwa zvakanaka kuti uone kuti chiyero chemazinga chichave chei kana teaser rate iripo. Izvi zvinopa zvisingambofi zvakanyatsosimudzira chiyero chakanaka, uye vanozviita saizvozvo, saka iwe uchazofanira kutarisa kuburikidza nemashoko akazara kuti uwane.
2. Kuenzanisa Kudhadhara Mari
Imwe nzira iyo makambani ekukweretesa kadhi rechikwereti anoshandisa ndeyo kupa hutsika zvakanyanya kana 0% mubhadharo pamari yekuendesa . Izvi zvinogona kuva chinhu chakanaka chekuita kana iwe wakanamatira kune imwe kadhi rine chido chikuru, asi iwe uchiri kuchenjerera. Kunyange zvazvo kambani yekadhi rechikwereti isingakwanise kutenga chikwereti pakufambisa, iyo pamwe nekubatwa kunodhura sekubhadharisa mari yekubhadhara iyo inogona kunge inopfuura 3% yemari yaunoshandisa, kutora nguva muchero wakaderera, uye zvichida kunyange imwe yepamusoro pane zvitsva zvitsva.
Kana iwe uchikwanisa kubhadhara mari yekuti mari isati yasarudzwa uye usati uchitenga zvitsva, izvi zvingava pfungwa yakanaka, asi kana zvisingaiti, kutsika kwechikwereti chekubhadhara kunogona kunge kusingaiti zvakanakisa kutenderera.
3. Mari Yemazuva Ekupedzisira uye Kuwedzera Kunowedzera
Zvinopera pasina kutaura kuti zvakakosha zvikuru kuti iwe ugare uchiita zvikwereti zvako zvemwedzi nenguva, asi iwe unofanirwa kuwana mazwi chaiwo echibvumirano chekadhi rechikwereti.
Kubhadhara kumwe kusingabhadharwa kunogona kutengesa madhora $ 39 munguva pfupi, uye chikwereti chenharaunda yako inogona kuwedzera kusvika 30%. Hazvisi izvo chete zvinokuvadza mune zvemari, asi zvinogona kukuvadza chikwereti chako uye kuisa zvikwereti zvinotevera zvakaoma kuwana uye zvinodhura.
Imwe mari yakavanzwa iyo inonyanya kubva kunze kwekutonga kwako ndeyekuwedzera kwezvibereko zvinowanikwa mubhodhi. Zvichienderana nechinangwa chekufarira uye kukweretesa kwemakwenzi, mabanheni angangowedzera kuwedzera mazinga ezvido zvinowanikwa nehuwandu kana kuti kwete nyevero. Chinhu chimwe chete chaunogona kuita ndechokupa kambani yako kadhi rechikwereti foni uye kukumbira chikwata chemuzasi. Iwe unogona kushamisika kuona kuti kana iwe une nhoroondo yakanaka yekubhadhara, iwe unogona kunyatsopiwa huwandu hwezasi.
4. Kubhadhara mari yegore negore
Pakupedzisira, asi kwete zvishoma, pane hutano mari yekutarisa. Kunyange zvazvo dzimwe nguva iwe chete wekodhi yemakadhi achauya nemari yegore negore , yakadai sekunge iwe usina zvishoma kubhadhara chikwereti chekambani yekuongorora, mari yegore negore inogona kudhura. Iva nechokwadi chekutarisisa kana pane mari yegore negore pane iwe uri kufunga. Makadhi anopa humwe hutano hunodiwa semafambisi ekufambisa kana mari yakadzoka inogona kuvhara zvimwe zvezvinotengeswa zvezvinhu izvi nemari yegore negore. Iwe unogona kumhanya dzimwe nguva nokukurumidza uye uchisarudza kuti zvinowanikwa zvinowedzera kudhura kwebhadharo yegore negore, asi pane zvakakwana zvemakadhi emakadhi kunze uko pasina mari yaungada kufungisisa pakutanga.