Kuwana kubvumirwa kwekutanga yako kadhi rechikwereti kunogona kunge kwakaoma. Unofanirwa kuwana kadhi rechikwereti uyo anogamuchirwa iwe kunyange iwe usina kumbobhadhara chikwereti kare. Kana iwe wakatowana kadhi rechikwereti uye wakagamuchirwa, congratulations! Kana iyi ndiyo yako yekutanga kadhi rechikwereti, chikwereti chako chekwereti chingava chiduku kudarika iwe waitarisira. Usanetseka, zvakakwana kuti uve nechikwereti chiduku chekwereti paunotanga nekwereti yako yekutanga.
Chikonzero Nei Kutanga Kwako Kwokutanga Kwokutsigira Kunogona Kuda Kuderera
Chikwereti chinyorwa chimwe chezvikwereti zvekwereti makadhi anoshandiswa kusarudza kugadzirisa chikwereti chikwereti. Munhu ane nhoroondo yekuchengetedza chikwereti zvakanaka achave nemukana wakanaka wekugashiriswa kwekwereti yakakura yechikwereti. Zvisinei, nokuti uri muchengeti wechikwereti chekwereti, iwe hauna nhoroondo yekushandisa makadhi echikwereti zvine mwero. Kadhi kadikiti yako yechikwereti haazive mari yakawanda sei yaunogona kutenga uye saka inowanzokutanga iwe nekamudiki. Kana zvikaitika iwe hauna kunyatsogadzirira chikwereti, iwe unongotora kambani kadhi rechikwereti mashoma mazana emadhora pane zviuru.
Chikwata chako chekutanga chekwereti chinogona kunge chakaderera ne $ 100 kana yako yekutanga kadhi rechikwereti iri kadhi rekwereti rekwereti . Iwe unogona kubvumirwa kune chikamu chiduku chechikwereti che $ 300 kana $ 500 kana yako yekutanga kadhi rechikwereti iVisa huru kana MasterCard. Hazvigoneki kuti chikwereti chako chekutanga chekwereti chichave chakakura kudarika $ 1,500 kunze kwekuti iwe watova nekodzero yekwereti yekwereti, somuenzaniso, kana iwe une chikwereti kana chikwereti chemotokari pamushumo wekwereti yako kare kana kana iwe uri mumiririri akakodzera pane kadhi rechikwereti ine nhoroondo yakanaka.
The Average Credit Card Limit
Pasina chiitiko chekadhi rechikwereti, unogona kunge usingazivi kuti zvinoita kuti uve nechikwereti chakakwirira chepamusoro pane zvauri kutanga nacho. Ivhareji yekwereti yemiganhu inogona kukupa pfungwa yezvaunogona kutarisira mberi kana iwe ukatakura chikwereti chako zvakanaka.
Vashandi vepamusoro, avo vane VantageScore 3.0 pakati pe 781 ne850, vane chikwereti chakawanda chekwereti ye $ 39,539, maererano naNexpan, imwe yezvikwereti zvitatu zvekwereti .
Tichifunga nezvevhareji yevatengi ane 3.1 makadhi emakwereti, izvo zvinoreva kuti munhu akawandisa ane chikwereti chakanaka ane chikamu chemari chikwereti chinopfuura $ 12,750. Kune rumwe ruvoko rwemitambo, muvhareji wekwereti wekwereti yepamudzimai wakadzika wepa subprime ane chikwereti chekwereti pakati pe 300 ne499 inongopfuura $ 1,200.
Imwe mhando yakakosha yakakodzerwa nevanhu vane chikwereti chakanakisisa inogona kuva nematanhatu ekukwereta zvikwereti kana makadhi emakwereti asina mahedheni ekugadzirisa zvishoma pane zvose. Ava vanhu vane chikwereti chakakwirira pamusana pevhangeri ravo rakanaka rekwereti uye kukwanisa kubhadhara zviyero zvakakwirira.
Kutarisira Chechikwereti Chakanyanya
Usanyadziswa nemari yako yekutanga chikwereti. Zviri nani kutanga zviduku kusvikira iwe uchishandiswa kugadzirisa chikwereti. Iwe haungapindi mukati memari yekwereti chikwereti chero bedzi chikwereti chako chinokuchengetedza kuti urege kuzviisa pasi. Sezvaunoratidzira iwe unogona kushandisa kadhi rako rechikwereti zvine mwero , sepa kubhadhara bhadha yako panguva uye urege kudzivirira chikwereti chako chekwereti, iwe uchakwanisa kuwana chikwereti chakakwirira pane nguva.
Vamwe vane kadhi rechikwereti vanoita kuti vawedzere chikwereti chenyu chikwereti mushure memwedzi yakawanda yekubhadhara panguva yakakodzera. Vamwe chete vanowedzera chikwereti chekwereti pane chikumbiro. Mirira kusvikira waita kadhi rako rechikwereti nenguva pane mwedzi mitanhatu usati wakumbira kuwedzera kwekwereti.
Nzira Yokuwana Nayo Mukutanga Pakutora Chikwereti
Iwe unogona kuwana chikwereti chakakwirira chekwereti pane yako yekutanga kadhi rechikwereti kuburikidza nekushanda pamwe nemumwe munhu, mubereki kana mudzimai, uyo atova nekodzero yekwereti yekwereti uye mari yakanaka.
Kana, kana iwe ukanyorera kadhi rechikwereti rakachengetedzwa , iwe unogona kusarudza iwe pachako chikwereti chako nekuita kuchengetedzwa kwemari muchiyero chechikwereti chaunoda. Somuenzaniso, kune $ 2,000 chikwereti chekwereti, iwe unogona kuita $ 2,000 kuchengeteka mari. Nekadhi rekwereti rakachengetedzwa, kuchengetedzwa kwako kuchengetwa kunodzoserwa kwauri chero bedzi iwe uchichengetedza kambani mumamiriro akanaka .
Kana iwe uchida chikwereti chakachengetedzwa nekodzero yakakwirira, tarisa pa Wells Fargo Secured Mastercard. Vashandi vanogona kuita kuti kuchengetedzwa kurichengetedze kusvika ku $ 10 000 nokuda kwechikwereti chikamu chemari yakafanana. Kutanga nemukwereti mukuru wechikwereti - uye kuitungamirira nenzira yakajeka - kuchaita kuti zvive nyore kugamuchirwa nekuda kwekadhi rechikwereti risina kuchengetedzeka nemiganhu mikuru kana waita chikwata chako chekwereti.
Ramba uchifunga nezvekuchengetedza kwako kuchengetedzwa kwekuregererwa kwakadzima kusvika pamushure pokuti uvhare kadhi rako rechikwereti, saka shandisa mari yaunogona kuita kuti uwane chikwereti chako.
Kuwana Chikwereti Chekuwedzera
Hazvina mhosva kuti iwe unotangira chikwereti chei chikwereti, nguva dzose pane mukana wekuwedzerwa chero bedzi iwe usina kuripa zvakanyanya (pasi pe30% yemutengo wako wechikwereti zvakanakisisa), iwe uri kutora nguva yako mwedzi mumwe nomumwe , uye iwe uri kutarisira chikwereti chako zvose zvakanaka.
Vakawanda vane kadhi rechikwereti vanoongorora nhoroondo yenyu nguva dzose uye vanosimudza chikwereti chenyu chikwereti kana iwe wapedza chikwereti chako zvakanaka. Capital One, somuenzaniso, inowedzera chikamu chemari yechikwereti pane zvakawanda zvemakadhi avo ekukwereta mushure mekunge maita zvikwereti zvenyu zvekutanga zvemwedzi pamwedzi nenguva.
Kana kadhi rako rechikwereti risina kukwidza chikwereti chako kamwe chete, unogona kukumbira kuwedzerwa kwemari yechikwereti . Paunokumbira kuwedzerwa kwemari yechikwereti, kadhi yako yekwereti yekwereti ichaongorora nhoroondo yako yekambani, nhoroondo yako yekwereti, mari yako yaunowana pamwedzi, nezvimwe zvikwereti zvemhosva. Kana zvinhu izvi zvakakosha, une mukanano wakanaka wekuita chikwereti chako chekuwedzera chikwereti chikumbiro chakabvumirwa.
Kune rumwe rutivi, kana chikumbiro chako chisingabvumirwi, kadhi rechikwereti chikwereti achatumira tsamba inotsanangura chikonzero nei . Iyi ruzivo inogona kukubatsira kuti uone kuti zvii zvaunoda kuti uchinje kuti zvibvumirwe kuti uwedzere chikwereti chako chekukwereta.