Tsvaga ingave yakatumira iyo yakanakisisa yakachengetwa kadhi rechikwereti pamusika, kwete kuti chero chinhu chiduku chinofanira kutarisirwa kubva kune kambani yemakadhi ekwereti iyo yakaronga "Yakakwirira Mukugutsikana Kwevatengi" naJD Power uye Associates.
Ikaiwana iyo Yakachengetwa Chikwereti CheKadhi inokwidza mari yakawanda yekwereti yemakadhi maererano nemitengo nemubairo. Dambudziko rega roga nderokuti rinoda kuchengetedzwa kwemari.
Makomborero paKadhi Yakabhadhara Kadhi!
Zvakaoma kune vanhu vane chikwereti chakaipa kuti vawane mubayiro wekadhi rechikwereti .
Zvikwereti zvizhinji zvekwereti zvevanhu vanoita izvi zvinotyisa, vachibhadhara mari yakawanda uye chido kune avo vanotengesa mari.
Iyo Inozviona Yakachengeteka inoripa 2% mari kumashure kweresitorendi uye gesi kutenga kune imwechete kusvika $ 1 000 kwega roga (yakawanda ye $ 20 nehafu) uye 1% pane zvimwe zvose zvekutenga.
Vatsva vadhidhidhi vanowana mari miviri zvakare kumagumo egore rokutanga. Hapana bhonasi yemari yakadzoka mugore rechipiri, asi iwe ucharamba uchitsvaga mubayiro pane nguva dzose. Tinotarisira nenguva iyo mairi maviri anotenderera, iwe uchave wakagadzirisa chikwereti chako chechikwereti chechimwe chinhu chiri nani, sekuda kuChizive icho , icho chinokwerera kusvika ku5% pazvikamu zvenguva zvese zvinotenderera.
Dhipatimendi Yenyu Ndiyo Unokwereta
Zvikwereti zvakawanda zvekwereti zvinopa chikwereti chekwereti zvichienderana nemari inowanikwa uye zvimwe zvikwereti. Makachengetwa akachengeteka ekwereti, kune rumwe rutivi, anoda kuchengetedzwa kwekuchengetedzwa kwezvokuchengetedza kurwisana nechikwereti chekwereti.
NeKunowana Iko Yakachengetwa Kadhi Kadhi, kuchengeteka kwako mari yako ndiyo chikwereti chako.
Bhadhara mari shoma yekuchengetedza mari ye $ 200 ye $ 200 chikwereti chikwereti. Iwe unogona kuisa mari ye $ 2,500.
Kuchengetedzwa kwekuchengetedza kunoshandiswa chete kana iwe usina kukwana pane kadhi rako rechikwereti. Kana zvisina kudaro, chero bedzi iwe uchiita kubhadhara kwako pamwedzi pamwedzi wega woga uye usingatendeuki, uchawana mari yako apo iwe uvhara kero yako kana kuti kadhi yako inotendeukira kune kadhi rechikwereti risina kuchengeteka.
Mushure megore, Discover inoti ichadzorera kadhi rako rechikwereti mwedzi mumwe nomumwe kuti uone kana iwe uchikwanisa kuwana mutsara wechikwereti usingateteki. Shandisa kadhi rako rechikwereti zvine musoro nekuda kwekana rakanakisisa yekukodzera.
Mutengo
Hapana mari yegore negore - chimwe chinhu chisingawanzoitiki chekadhi rechikwereti rakachengetwa.
Iyo inowanikwa kutenga APR ndeye 23.24%, iyo inenge yakakwirira shoma, asi inowirirana nemamwe makadhi emakwereti akachengetwa uye makadhi emakwereti kune vanhu vane chikwereti chakaipa. Kana iwe uchibhadhara bhadha yako yakazara mwedzi mumwe nomumwe - uye iwe unofanirwa - iwe unogona kudzivisa kubhadhara chikwereti pachiyero chako.
Ikaiwana iyo Kadhi Yakachengeteka inopa pfupi purogiramu yekutanga mubhadharo inotumirwa: 10.99% pamwedzi mitanhatu yekutanga pakudzingwa kwakaitwa musi waMay 10, 2016. Mushure mekunge mabhiriji ayo awedzerwa anogamuchira 23.24% APR. Kuenzanisa kwekuenzanisa kunotengesa 3% mari yekubhadhara mari. Kuti uwedzere chikamu, kuchengeteka kwako mari inofanira kuva yakakura zvakakwana kuti ugare mubhadharo uye mubhadharo. Uyezve, kana iwe uchikwanise kutenga kuti ukuru hwekuchengetedzwa kwemari, zvichida zviri nani kubhadhara chikamu.
Mari yekushambadzira inopomerwa APR ye25.24% uye mari inotangira mari inodarika yakawanda ye $ 10 kana 5%.
Zuva Rokubhadharwa Penalized Pasi
Iwe unofanirwa kuedza nguva dzose kuita kadhi rako rechikwereti chekwereti panguva. Zvikanganiso zvinoitika uye Zivhura hazvizobhadhara mari yekupedzisira pamutengo wako wokutanga wakambomira.
Kuenderera mberi nekubhadhara kwekupedzisira (uye kubhadhara mubhadharo) kuchakweretwa kusvika ku $ 35 nguva yekupedzisira.
Hapana chibharo APR - zvinoreva kuti chido chako chekufarira hachikwanisi kukwira kana iwe ukawa kumashure pamitero yako kwemazuva makumi matanhatu.
Free FICO Score
Tsvaga ndeimwe yevashoma makadhi makadhi anoita kuti zvive nyore kutarisa chikoro chako chekwereti. Gamuchira purogiramu yakasununguka yeFICO mwedzi woga woga pamutauro wako wekutenga chikadhi chekwereti . Iwe haufaniri kutumira chimwe chinhu pane zvimwe kana kubhadhara mari yemwedzi wega. Nhamba yacho ichangooneka.
Nhamba yeFICO yakasununguka inonyanya kukosha kune vashandi vanogadzira kuvakazve chikwereti chavo. Sezvaunoita kubhadhara kwako nenguva uye kubata kadhi rako rechikwereti zvine mwero, unogona kuona kuti yako chikwereti chikoro chinowedzera sei.
Zvimwe Zivhura Zvikomborero
Tsvaga vashandi veSekuchengetedzwa KweCredit vanogonawo kunakidzwa nedzimwewo Discover dzinobatsira se 0% mutoro hwekunyengedza uye Dzisunungura, izvo zvinokubvumira kutora kadhi rako rechikwereti uye kurega kudzivirira kana kubvumira kutengesa kutsva.
Kuzviona iyo Yakachengetwa Chikwereti Chekodzero yakakwana kune mumwe munhu ari kuvaka kana kuvakazve chikwata chekwereti. Iwe unogona kushandisa kadhi racho zvakananga kuburikidza neDevcover.com/securedcreditcard.