Nzira Nhatu dzekutanga Kadhi Yenyu Yokutanga
Egumi nemasere inguva yakasununguka. Iwe uri mutemo munhu mukuru. Unogona kuvhota. Iwe ungangodaro uri kuenda kuchikoro nokukurumidza kana iwe usati watovapo. Uye, iwe unogona kuwana kadhi rechikwereti.
Sezvo iwe unofarira kuti uwane kadhi rako rechikwereti chekutanga, makambani akawanda emakadhi ekwereti haadi kuda kukupa imwe. Panzvimbo pokuisa muzvikwereti zvakawanda zvekadhi rechikwereti kuti uone kuti ndiani achakubvumira iwe, tarisa makambani mashomanana anozivikanwa nekupa makadhi echikwereti kune nguva dzekutanga.
01 Iva nechokwadi chokuti wagadzirira kadhi rako rechikwereti
Usazvigadzirira kuti usakundikana - dzidza zvose zvaunogona pamusoro pekwereti makadhi usati wawana. Kana iwe usati wagadzirira, unogona kusvika ikoko: Ungagadzirira Sei Kadhi Kadhi
02 Kunzwisisa chikwereti chekwereti chevanhu vechidiki
Chokutanga, mutemo weGurumende unoda kuti vechidiki vaduku vane makore pasi pemakumi maviri nemaviri vave nechokwadi chekuwana mari vasati vabvumirwa kubhadhara kadhi rechikwereti pasina cosigner. Nhamo, chipo kubva kumubereki wako hachiverengi. Kana iwe usina mari, iwe uchazofanira kuwana munhu anenge achida kuvhura kadhi rechikwereti pamwe newe.
Chinhu chechipiri chinoita kuti zvive zvakaoma kuwana kadhi rechikwereti ndechokuti iwe hauna chikwereti chekwereti . Uye, zvakanaka, chikwereti nhoroondo ndeimwe yezvinonyanya kukosha kuti kadhi rechikwereti rakabvunzurudza pavanobvumirana nemunhu anenge achitsvaga.
03 Wana basa
04 Kwatingawana yako kadhi rechikwereti chekutanga
- Major credit card issuers
Kana iwe wakanyoreji yekoroji, iwe une mukana wakaisvonaka wekugashiriswa kune mudzidzi kadhi rechikwereti kubva kune guru rekukwereta kadhi rechikwereti. Usafungidzira kadhi rimwe nerimwe ne 'mudzidzi' mumusoro ndicho chinhu chakanaka. Mamwe makadhi emakadhi echikwereti ane zvikwereti zvakakwirira uye mari yegore negore, vose vanoita kadhi chisarudzo chakaipa chekutanga kadhi rechikwereti.
- Bank yako
Kana iwe wakanga uine chekuita nekutarisa kana kuti gwaro rekuchengetedza, edza kushanda yako yekutanga kadhi rechikwereti pabhangi rako. n ukama hwebhangi huripo hunogona kuvandudza mikana yako pakuwana kadhi rechikwereti rakagamuchirwa, kunyanya kana iwe wakabata gwaro rako nekuchengetedza, semuenzaniso hapana mhirizhonga. Iwe unogona kushandisa paIndaneti, asi kushanyira bhangi rebhanki kunogona kukuisa chiso nechiso nemumiririri angave ane humwe huremera hwekuita kuti chibvumirano chako chigamuchirwe.
- A retail kana dhipatimendi
Zvokutengesa uye zvemasitadhi zvinowanzova nyore kugamuchira kadhi rechikwereti. Pamusoro pemigumisiro, vane zvikwereti zvinokwidziridza zvinoita kuti zvive zvinodhura kutakura chikero kubva pamwedzi kusvika kune chinotevera. Chimwe chikamu chemakadhi aya haasi kushandiswa zvakasiyana-siyana - unogona kuzvishandisa chete muchitoro ichocho. Izvozvo zvinogumira zvaunogona kutenga, asi anokukurudzira kuti uende kushandisa mari yako nekupa zvikwereti.
Kuva nechitoro chechikwereti kadhi rechikwereti sezvo kadhi rako rechikwereti rokutanga rakakwanisa kukubatsira iwe kuvaka chikwata chakakwana chekwereti kunyorera kadhi rakakura rechikwereti mumwedzi mishomanana.
- A kadhi rechikwereti rakachengetedzwa
Kana yako (kusina) chikwereti chinyorwa chinokuchengetedza kubva pakuwana kadhi rechikwereti, iwe unogona kushanda kune kadhi rekwereti rakachengetedzwa . Nekadhi rekwereti rakachengetedzwa, iwe unoita mari yekudzivirira chikwereti chekwereti chekambani. Bhengi inotora mari yacho kana iwe ukasaita mari yako sezvaibvumirana. Iwe unogona kuva nemukana wokushandura kadhi rechikwereti risina kuchengeteka gare gare. Usanetseka kuti kadhi rechikwereti rakachengetedzwa richakuvadza mukana wako pakuwana mamwe makadhi emakwereti - hapana chinhu pamushumo wako wechikwereti kuratidza kuti une kadhi rechikwereti rakachengeteka.
05 Tsvaga makadhi anotarirwa "kuenzanisa" kana "kukwana" chikwereti
Zvimwe zvikwereti zvekwereti kadhi rechikwereti zvinonyora rudzi rwechikwereti chinyorwa chinodiwa kuti chigamuchirwe kuti makadhi echikwereti akanyorwa Kuti uwane kadhi rechikwereti, tarisa makadhi ekwereti ayo anobvuma vashandisi vachienzanisa kana kwete chikwereti. Kushandisa makadhi anongotarisa kune chikwereti chenhoroondo yako inovandudza mikana yako pakugamuchirwa. Dzivisa zvikwereti zvemakadhi emakwereti anoda "zvakanakisisa" chikwereti sezvo iwe ungangodaro wakarambwa.
06 Kumbira mumwe munhu rubatsiro
Iwe unogona kunge uine hama-mubereki, somuenzaniso - ndiani anoda kukubatsira kuwana yako yekutanga kadhi rechikwereti nekubvumirana newe. Cosigning iine ngozi - chero zvikanganiso zvaunoita zvinogona kukanganisa chikwereti chekosigner pamwe chete - asi inogona kuva nzira yakanaka yekutambisa chikwereti chako. Bvumirana mberi kuti iwe uchava nemhosva yekuita zvikwereti nenguva iyo mwedzi uye kuti iwe uchagara nemashoko ose ekadhi rechikwereti. Zvadaro, funga kuvhara kambani yakabatana iwe paunokwanisa kukodzera kadhi rechikwereti iwe pachako.
07 Usaora mwoyo nekuramba
Usashamiswa kana iwe usina kubhadhara kadhi rechikwereti rokutanga iwe unoshandisa - kana kuti mazana mashoma makadhi echikwereti waunokumbira. Kunyange vanhu vane zvikwereti zvekwerekodhi dzimwe nguva vanorambwa. Zvinogona kubatsira kuti uzive kuti uchawana tsamba mutsamba - chishuwo chisina kunaka - chinosanganisira chikonzero chaicho chawakarambwa. Izvo zvinyorwa mutsamba iyi zvichatibatsira pakuronga danho rako rinotevera. Iwe unogona kuisa kune imwe nzvimbo yakasiyana yekadhi rechikwereti kana kusvetuka chikwereti chako nekushandisa kadhi rakagadziriswa kadhi rechikwereti.