Apo Chikwereti CARD Act muna 2009 chaida kuti vatori vemakadhi ekubhadhara chikwereti vabvumire vatengesi vemakadhi kuti vasarudze-kutora zvikwereti zvekwereti, vazhinji vekukweretesa makadhi makuru ekubvisa chikwereti vanokonzera zvikwereti zvikwereti zvekwereti zvachose. Kunyange zvakadaro, akawanda makadhi emakadhi anoenderera mberi kuongorora mari yevatori vemakadhi vanopfuura kudarika chikwereti.
Mari nezvikwereti zvekutora chikwereti chako
Kana kadhi yako yekubhadhara chikwereti ichibhadhara mari yepamusoro-iyo-mubhadharo , mari yacho inogona kunge yakaita se $ 35. Iwe unogona kutengesa imwe yepamusoro-iyo-mubhadharo wemwedzi pamwedzi kusvika pamitambo mitatu yekubhadhara kana chikoro chako chekadhi rechikwereti chichiri pamusoro pemuganhu webhadharo rega rega. Kana, kadi yako yakabhadhara inogona kutengesa zvimwe zvepamusoro-iyo-mubhadharo yemari kana iwe uchibhadhara chikwereti chako pasi, zvino wedarika chikwereti chako chekwereti zvakare kana kana ukawana chikwereti chikamu kuwedzerwa uye kudarika chikamu chechikwereti chitsva.
Chechipiri, kana iwe ukapfuura chikwereti chako chemari, chikwereti chako chekudarika chinogona kuwedzera kuti kadhi isati yakwana kana kuti chirango chechirango , icho pane dzimwe nguva chinodarika 30%. Izvi zvinowedzera chido chekuita kunoita kuti zvive zvakadhura kutakura chikwereti chekadhi rechikwereti kudarika nguva yenyasha nokuti iwe uchakweretwa mari yakakwirira mitero pairi yako.
Pakupedzisira, chikwereti chako chikoro chinotora hit. Kubva pa30% yekwereti yako chikoro ichifananidza chikwereti chako kusvika kune chikwereti chako, iyo ndiyo chikwereti chako chekushandisa, kuva ne-over-the-limit balance ichadhura chikoro chekwereti.
Nzira Yaunogona Kudzivisa Nayo Mihomwe Yezvikwereti
Zvingaita kuti usapomerwa mhosva yekubhadhara chikwereti. Zvinotora chiito chiduku uye kutarisa pane chikamu chako.
- Usasarudza-kupinda kune chikwereti chemari yemari . Kadhi kadikiti yako yechikwereti inofanira kuva nechibvumirano chako vasati vakakwanisa kukubhadhara iwe mari yekukwereta chikwereti. Iwe unogona "kusarudza-kunze" kwepamusoro-kwe-makomo ekutengesa. Kana ukangoita, chero kutengeserana kunogona kuisa iwe pamusoro pemuganhu kunoderedzwa uye iwe haugoni kukweretwa kune-over-the-payment fee.
- Ziva chikwereti chako chemari . Zviri nyore kuti uende pamusoro pemuganhu wako kana iwe usingazivi kuti chii. Kuti uwane chikwereti chako chechikwereti, chengetedza chirevo chako chekubhadhara, chengetera ku- akhawunti yako yepaIndaneti , kana kudana basa rako rekadhi yemakadhi yekwereti uchishandisa nhamba iri kumashure kwekadhi rako rechikwereti. Kana kadhi yako yechikwereti ine app smartphone, unogona kukanda purogiramu yacho kuti iwane iyo yekodhi usati waita chero ipi zvayo yekutsvaga kadhi rechikwereti. Sezvo zvikwereti dzimwe nguva zvichikwidza nekuderedza chikwereti chikamu, iyo pfungwa yakanaka yekucherechedza muganhu wako nguva dzose.
- Inyoresa muyeri alerts . Mamwe makadhi emakadhi achakutumira mae-mail kana kukunyora iwe kana muyero wako uri mukati mehumwe huwandu kana kuti dollar chikamu chemari yako chikwereti. Chengetera nhoroondo yako yepaIndaneti kana kuti taura nebasa rekutengesa kuti uone kana chikwereti chako chekubhadhara chikwereti chinopa aya marudzi emashandiso.
- Chengeta uwandu hwako pasi . A low balance - 30% yemutengo wako wechikwereti kana pasi - inopa nzvimbo yekutenga pasina kutora muganhu wako. Kwete izvozvo chete, zviri nani kune chikwereti chenhamba. Pane kadhi rechikwereti rine $ 1 000 chikwereti chekwereti, chengetedza chikwereti chemadhora mazana matatu kana kuti pasi.
- Kana iwe usina chokwadi, tarisa . Chero nguva ipi zvayo iwe usingazivi nezvekuyera uye chikwereti chako, chengetedza chikwereti chako chiripo usati watenga. Makadhi emakadhi echikwereti ane mhando yakakwana yakawanikwa 24/7 yekutarisa rudzi urwu rwemashoko. Shandisa nhamba yebasa rekumutengesa kumashure kwekadhi rechikwereti. Kana iwe uine foni, unokwanisa kudana kubva kuchitoro usati waita kutenga kwako.
Zvaunofanira Kuita Kana Iwe Uchibhadhara Mutero Wakakwereta
Kadhi kadikiti yako yechikwereti inogona kunge yakagadzirira kutsvaga pamusoro-iyo-mubhadharo yekutanga iwe uchienda pane chikwereti chako chekwereti. Ingoshevedza kadhi rako rechikwereti uye bvunza kana iwe unogona kuwana mari yawakapiwa. Vangave vachida kubvisa mari kubva kubhuku rako chero bedzi iwe wakachengetedza kero yako mukumira kwakanaka.
Kana zvisina kudaro, kana iwe usingakwanisi kutenga mari yacho yakabviswa, kuripa bhaari yako zvakanaka pasi pechikwereti chekwereti kuti udzivirire kutengesa mutero mwedzi unotevera. Iwe uchafanirwa kuderedza kadhi rako rechikwereti kukwana zvakakwana kuitira kuti kufarira uye mari isingakuisei pane chikwereti chako chekwereti zvakare mwedzi unotevera.