Debit Cards neFICO Zvikoro
Kana zvasvika kune FICO chikwereti chikoro, mhinduro yacho kwete.
FICO chikamu ndicho chinonyanya kukosha chikwereti chikwereti chikuru chezvikwereti sezvikwereti zvemari, motokari yemotokari, uye akawanda makadhi emakadhi. Ichi chikwata chinofanira kuva chako chekutanga sezvaunovaka chikwereti, asi pane zvimwe zvikwereti zvekwereti kunze uko. Sezvo kune FICO inofunganya, nzira dzekuvandudza chikwereti chako chikwereti dzinosanganisira:
- Bhadhara zvikwereti zvako nenguva
- Borrow in moderation
- Iva netsika yekukwereta (iyo yakanyanya kunaka)
- Shandisa mhando dzakasiyana-siyana dzezvikwereti, uye
- Usazvigadzirisa zvikwereti nokukurumidza
Kuti uwane mamwe mashoko pamusoro pokuti ungasangana sei nemitemo iyoyo, verenga nezvezvikamu zveFICO yako chikamu.
Debit Card se "Chikwereti" Transaction
Makadhi ekubhadhara mari anoshandisa mari kubva kubhengi yako yebhangi, saka chikwereti hachibatanidzi (kunze kwechidiki, zvikwereti zvenguva pfupi zvinogona kuve chikamu chekodzero yemari yechikwereti ). Marikiti yemakadhi, kune rumwe rutivi, chaizvoizvo zvikwereti - saka zvinokanganisa chikwereti chako uye zvinogona kukubatsira kuvaka kadhi.
Zvakadini kana ukasarudza "chikwereti" paunenge uchishandisa kadhi yako yekutengesa kune mutengesi - ichaita kuti kadi yako yebhengi ishande sekadhi rechikwereti?
Kusarudza "chikwereti" hachisi chaicho chinoshandiswa apo mari inobva (bhadha yako yebhangi). Pane kudaro, zvinongobatsira kuti kutengeserana kuri kuitwa sei (kuburikidza nekweretheni makadhi ekugadzira mitambo). Kusarudza "chikwereti" hazvizokanganisa chikwereti chako pachako.
Alternative Credit Scores
Kunyange zvazvo chikwata cheFICO ndicho chakakosha chikwereti chikoro, zvimwe zvikamu zvinowedzera kushandiswa pakubhadhara zvikwereti - kunyanya kuvanhu vari mukugadzira kuvaka chikwereti.
Hazviiti kuti iwe uwane chikwereti chemusha nechimwe chezvikoro, asi zvinogona kukubatsira kuti uwane zvikwereti zviduku-zviri kutema matombo munzira kusvika kune yakasimba chikwereti chenhoroondo.
Nokumwe chikwereti chikwereti, zvinofungidzirwa kuti kushandisa kadhi yako yekutengesa kuchaita kuti iwe "chikwereti." Zvisinei, mhinduro yacho ingangodaro isina kujeka. Iko ndiko kuti, mamwe akasiyana chikwereti chikoro chinotarisa kutarisirwa kwezvemari; vanoda kuona kuti iwe unogona kudzivisa overdrawing account yako yekuongorora uye urarame mune zvaunokwanisa. Kupa mari yakawandisa (kana iwe shandisa kadhi yako yebhadharo , nyora cheki, kana kutenga mari kubva kuATM) kuchakonzera matambudziko: iwe pakupedzisira unowedzera kuongorora uye haugoni kubhadhara mari yakakosha sebhadharo rekushandisa.
Zvimwe chikwereti chikwereti hachitarise kuti unoshandisa sei kadi yako yebhengi, asi vanogona kutarisa zvinhu zvakadai semari yemari, kubhadhara mari, uye kutengesa foni. Kuti utarise zvakanaka pasi pezvirongwa izvi, iwe unoda nhoroondo yekusagadzikana (uye pane-nguva) kubhadhara. Iwe chete unogona kubvisa iyo kana iwe uchigona kutarisa kero yako yekuongorora, saka kadi yako yebhadharo inobatanidzwa zvisina kukodzera.
Mukuwedzera pakubhadhara zvikwereti nenguva, zvakakosha kuti urege kudzivirira cheki-kunyange kana wako payee (nhengo yemhuri kana shamwari, somuenzaniso) haasati wati kune chero sangano rekukwereta.
Vamwe "maitiro" ekukweretesa zvisarudzo zvingaitwa, zvichienderana, nekuona ChexSystems report yako (iyo mabhanji anoshandisa kuongorora zvakaipa zvakaipa). Zvimwe, kuongorora kwakaipa kunogona kupedzisira kushandiswa kune masangano ekuunganidza, uye izvo zvikwereti zvicharatidzika pamitambo yemadhorodhi emitengo (uye zvinokuvadza chikamu chako cheFICO).
Zvakadini neramangwana? Zvingaita kuti FICO chikwereti chikoro chichinje. Pane imwe nguva, FICO inogona kusanganisira kubhadhara kubhadhara makadhi mune chikwereti scoring model. Vanhu vakawanda vanovimba nemadhikiti emadhora, pamwe nekuti vanoda kuregera kubhadhara chikwereti, uye chikamu nokuti havagoni kuwana chikwereti chekwereti. Saka, pane imwezve chikonzero chekushandisa kadi yako yebhengi nekuchenjera.