Kadhi kadikiti vanobhadhara inotarisirwa, nemutemo, kutumira mharidzo yako yemwedzi wekukweretesa kwekwereti mazuva makumi maviri asati apera kubhadharwa kwako kwakakwana. Mashoko ekubhadhara anowanzova mapeji maviri kwenguva refu asi ane mapeji akazara ehuwandu pamusoro pezvawapa mhosva, mari yakawanda yakabhadhara mwedzi wakapera, chii chaunofanira kubhadhara, uye musi wekubhadhara kwako unofanira kugamuchirwa kuti urege kurangwa.
Kavhodhi yako yekadhi rechikwereti inowanzouya mumishumo, asi kana iwe wakasarudza kutaura kwepaIndaneti (aka aka paperless kubhadhara zvinyorwa ), unofanira kutumira kune webhutiti yako yekwereti yekwereti kuti uone chirevo chako.
01 Summary Account
Nhepfenyuro yezvinyorwa zvenyaya inopa muongorori wehutano hwekodha yemakadhi enyukwere. Pano iwe uchawana bhadharo yako ikozvino, mari uye chikwereti chakatengeswa kubva kubva kumashoko ekupedzisira okubhadhara, chikwereti chekwereti chaunenge uchitora, uye zuva raunenge uchibhadhara. Mari nezvikwereti zvakatumira ku-akhawunti yako mushure mekuvhara kwekuvhara kwekuvhara hazvizoratidziki pamashoko echikwereti chekadhi. Zvisinei, kana iwe ukangopinda muakaunti yako yepaIndaneti, iyo yeroji inowanzosanganisira basa rako rapfuura. Inowanzotanga chikamu chekutanga pamakadhi ako kadhi rechikwereti nokuti rine mamwe emashoko anokosha kupfuura ose.
02 Payment Information
Chikamu chemashoko ekubhadhara chikamu chimwe chikamu chinokosha chekutora chikwereti chako chekubhadhara kadhi rechikwereti sezvo inoratidzira kubhadhara kwaunofanira kuita kuti usapedza nguva yekuripa mubhadharo.
Ichi chikamu chinosanganisira yako zvishoma kubhadhara uye kubhadhara zuva rakakodzera. Kana iwe uchibhadhara zvishoma pane zvishoma kana kuti kubhadhara kwako kunogamuchirwa mushure mezuva rakakodzera, iwe unogona kubhadhara mari yekupedzisira, ita kuti chido chako chiwedzere (kana uri makumi matanhatu kana kupfuura mazuva akazononoka), uye uine bhazha rekubhadhara chikwereti chakaziviswa ne kurega kubhadhara. Kubhadhara kwekupedzisira kwekunyeverwa kunotsanangura kunotsanangura zvichazoitika kana kubhadhara kwako kwapera.
03 Kuteerera Kwekuteverwa Kwamakarayira
Chikwereti chekubhadhara chikwereti chinodiwa kuti chinosanganisira kureva kwekubhadhara kwekubhadhara pamitemo yebhadha Ichi chikamu chinoratidza migumisiro yekutumira kubhadhara kwako nguva refu, kureva, mushure memazuva masikati pamusi wekubhadhara. Iwe uchawana muwandu wemari yekupedzisira uye chirango chamapurisa chinogona kugadziriswa kana iwe usingakwanisi kubhadhara mari shoma nezuva rakakodzera.
Ramba uchifunga nezvekubhadhara kwekubhadharwa kwekubhadharwa kunowanikwa pamashoko ose ekubhadhara kadhi kadiki pasinei nemamiriro ekubhadhara ikozvino; hazvirevi kuti wakaita chero chakaipa. Kana iwe wakanga wakanonoka kubhadhara chikwereti chekare, chikamu chemashoko ekubhadhara chinogona kusanganisira mari yakatarwa yakakwana.
Mariro yekupedzisira isati yasvika pane zvishoma zvekubhadhara kwako zvishoma kana $ 25, kana kuti inopfuura $ 35 kana iwe wakanonoka pamubhadharo mumwedzi mitanhatu yapfuura.
Chikwereti chekwereti hachibvumirwi kukwidza APR yako kusvika kune chikwata chechirwere kunze kwekuti iwe uri mazuva makumi matanhatu ekudarika paunenge uripo. Mune mamwe mazwi, kwete kusvikira iwe warasikirwa mari mbiri. Kana imwe nguva chirango chinotanga kushanda, chicharamba chiripo kusvikira waita zvikamu zvitanhatu zvakatevedzana nenguva. Zvadaro, ichaderedzwa (zvichida) nokuda kweyero yako iripo. Vamwe vane kadhi rechikwereti vanobvisa chikamu chechikwata panzvimbo yekutenga kutsva kwakaitwa mushure mokunge chikwata chakanga chaita.
Iyo yekubhadhara kubhadhara nyevero haisanganisi mitezo yekukwereta chikwereti yekubhadhara nguva. Mushure mekubhadhara kwako mazuva makumi matatu apfuura, dambudziko rekare rekodzero rinogona kuendeswa kunzvimbo yekwereti. Kana uchinge wouya neakaunti yako ikozvino zvakare, nhoroondo yekambani icharatidza kuti iwe wakabatwa pamaripo, asi mhorodhi wako wekwereti uchaenderera mberi kuratidzira nhoroondo yekubhadhara kwenguva yemakore manomwe.
04 Minimum Payment Warning
Kadhi kadikiti vanotora ikozvino inofanirwa kuisa nyevero yekuchenesa nyevero pachikwereti chekadhi chekwereti. Izvi zvinokuudza kuti zvichazotora nguva yakareba sei kuti ubhadhe chikwereti chako kana iwe chete uchinge waita mari shoma. Iwe uchawanawo mari yose yaunenge uchibhadhara - kusanganisira zvikwereti zvemari - kana iwe uchinge uchitenga mari shoma. Bhokisi racho rinofanirawo kusanganisira kubhadhara mwedzi mumwe nomumwe unoda kubhadhara mubhadharo yako mumwedzi 36 (makore matatu) uye mari yose yaunobhadhara kana iwe ukabhadhara.
Kana ukasarudza kuita mari shoma mushure mekuverenga chikamu ichi, iwe unozviita uchiziva kuti zvichatora nguva yakareba yehupenyu uye iwe uchazoguma uchibhadhara chikamu chikuru chekufarira. Bhokisi rechipiri, iro rinoratidza kubhadharwa kwemakore matatu, rinoita kuti uzive kukosha kwaungawana kuburikidza nekuwedzera kubhadhara kwako. Iwe unogonawo kushandisa kadhi yemari yekubhadhara chikwereti chekwereti kuti uone kukosha kwemari yakasiyana-siyana yekubhadhara kana mutengo wekubhadhara unoda kubhadhara kero yako neimwe nguva yekupedzisira.
05 Chikwangwani Chekupa Mhosva
Mutemo wako wekubhadhara kadhi rechikwereti inofanira kukupa ruzivo rwekutsvaga yebazi risina ribatsiro rekupa mazano rekubhadhara iwe unogona kutaurirana kana uri nechinetso chekutora chikwereti chako chekwereti. Nokukurumidza iwe unowana rubatsiro zviri nani.
Ramba uchiyeuka kuti kubhadhara chikwereti inogadziriswa kwenguva refu yekubhadhara kadhi rako rechikwereti. Kana matambudziko ako ezvemari ari nguva pfupi, tangaidzaidza kadhi yako kadhi rechikwereti kuti uone kana iwe unogona kudzorera kubhadhara kwako mazuva mashomanana uye udzivise chirango.
06 Kushandurwa kweAkaunti Isaziso
Chero kushanduka kupi kuakaunti yako, sebhadharo yegore negore kana kuwedzerwa kwechirongwa chekuda, kuchaonekwa pane chikamu chakakosha pane pamberi pekutora bhodhi yako. Mashoko aya anofanirawo kusanganisira zuva rinobudirira rekuchinja uku. Tsanangudzo pamusoro pekuchinja kunogona kutumirwawo zvakasiyana, saka iva nechokwadi chokuti unoverenga zvose zvinowanikwa zvinowanikwa nesitatimendi chako uye chero humwe ruzivo kubva kune kadhi yako.
07 Payment Coupon
Chikamu chako chekadhi rechikwereti chichabatanidza chikwata chekubhadhara chaunogona kuchisanganisira nebhadharo yako kadhi rechikwereti. Kusanganisira chikwata kunobatsira kadhi rechikwereti nzira yekubhadhara kwako uye kushandisa mubhadharo kubhuku rakarurama. Tora chikwata chacho ugoisa muvhopupepe yako nebhadhiro yako yekubhadhara.
08 Taura Kuchinja Notification
Kana kero yako yekero yakachinja, iva nechokwadi chokuti iwe ane chikwereti anovandudza zvinyorwa zvavo. Kana zvisina kudaro, remangwana rako remakadhi yemakadhi richaenda kune kero isina kukodzera. Tarisa bhokisi rinoratidza kero yashanduko uye nyora kero yako itsva mushure memashoko ekutenga kadhi rekwereti. Iwe unogona kupawo kadhi yako mupeti foni kuti vazive iyo kero yako itsva kana kuti kunyange kuishandura iri paIndaneti kana webhusaiti yako yekwereti yekwereti inokubvumira.
09 Chikwereti Chekwereti Chekubhadhara Kero Yekutengesa
Kana uri kushandisa iyo vhokupepe yakauya neshoko rako rechikwereti rechikwereti, iva nechokwadi chokuti kero yekodhi yemubhidhiyo inoratidzira kuburikidza nehwindo. Kana zvisina kudaro, kubhadhara kwako kunogona kuenda kukero isina kunaka. Kana iwe ukashandisa rudzi rwakasiyana rwevhopupepe usina mahwindo, kopisa kero yekubhadhara kadhi rechikwereti kumusvipiti itsva. Iwe unogonawo kutarisa iyi kero kana iwe uri kuwedzera kadhi rechikwereti semubhadhara mubhengi rako rekubhadhara mari yepaIndaneti.
Cherechedza kuti vane chikwereti vane kero yakasiyana yekushandura tsamba, sekuda kukanganisa kukanganisa. Kero iyo ichadhindwa kune imwe nzvimbo pane zvinyorwa zvekubhadhara, zvichida kumashure peji.
10 Kutengeswa Kubva kuNyaya Yemazuva Ekubhadhara
Nyatsocherechedza chikamu chekutengeserana kwekatauriri yako yekubhadhara. Iva nechokwadi chekutengeserana uye zviyero zvakarurama uye utaure zvinyengeri kana zvibvumirano zvisina kubvumirwa kune chikwereti chako pakarepo. Chero kutengeswa kwebasa rako rakapedzisira kugadzirwa kunonyorwa. Tarisa zvinyorwa zvekubhadhara zvekare zvekutengeswa kwekare. Kushandurwa kwakaitwa mushure mekupedzisira kwekubhadhara misi yezuva kuchaonekwa pane yako inotevera chibharo chekubhadhara.
11 Kuverenga Kwemwedzi
Kufarira kunoratidzika zvakasiyana kune imwe neimwe yemari yekuenzanisa iwe pane kadhi rechikwereti - kutenga, kutengesa kuenzanisa, uye kukwira kwemari. Kukurudzira APRs uye kupera kwavo kuchave kwakanyorwa muchikamu chino.
12 Kwose Kuda uye Mhosva Dzinobhadharwa Gore Rino
Mutemo wako wekubhadhara unofanira kusanganisira kushambadzira kwese kwezvaunofarira uye mari yawakabhadhara gore rino panhoroondo yako. Iwe unogona kuderedza huwandu hwekufarira iwe uri kuripa kana kutaurirana nechezasi chibereko chekuda (zvingave zvakaoma kuita) kana nekubhadhara chikoro chako nekukurumidza. Mimwe mari yaunenge usingakwanisi kudzivisa, sezvinodiwa gore negore, asi dzimwe mari, mari yekupedzisira uye mari yekufanofambisa zviri nyore kutiza.
13 Mubayiro Mhedziso
Kana kadhi rako rechikwereti richiuya nehurongwa hwekupa mubayiro , chidimbu chemubayiro wako chichaonekwa pane yako kadhi chekwereti. Ichi chikamu chinowanzobatanidza mubairo wako muyero, mibairo yakawana nguva iyi, uye muwandu wezvipo zviripo zvekuregererwa.