Kunzwisisa kuti nei ichifanira kudziviswa
Marikiti yemakadhi anouya nechikwereti chemari - chikwereti chakanyanya chaunogona kupedza pamakadhi ako. Zvakanaka, bhaari yako inofanira kuva iri pasi pechikwereti ichi.
Chikwereti Chikwereti Maxed Out Ndeipi?
Kadhi kadhi rechikwereti rinenge riri, pedyo zvikuru, kana kunyange pamusoro pemari yaro yechikwereti. Somuenzaniso, kana chikwereti chako chiri $ 1000 uye chikoro chako chekwereti chiri $ 1 000, ipapo kadhi rako rechikwereti rinonyangarika. Kero yako yekadhi yekwereti inogona kuguma pamusoro pemuganhu kana iwe usingakwanisi kubhadhara mari isati yatengeswa kuseri yako.
Kana kadhi rako rechikwereti rakanyanyiswa, kadhi yako yekwereti yemukwereti haigone kukubvumira kuita mimwe mitsara kusvikira iwe uchibhadhara chikamu uye upe chikwereti chiripo . Kana iwe ukapfuura chikwereti chako chekwereti, iwe unogona kupomerwa mhosva yepamusoro-iyo-mubhadharo wekuda uye kuva nechido chako chekuwedzera kuchiwedzera kune chirango chechirango.
Chii Chingaita Nezvo?
Kune nzira mbiri chete yekugadzirisa maxed-out credit card. Imwe ndeyokuwana chikwereti-kuwedzera kwemiganhu , iyo inogona kukupa imwe nzvimbo pane kadhi rako rechikwereti. Zvisinei, kadhi yako yekubhadhara chikwereti angasave achida kukwidza chikwereti chako chekwereti kana iwe wakatora chikwereti chekwereti chaunenge uine.
Nzira yakanakisisa yekutarisira maxed-out kadhi rechikwereti ndeyekubhadhara pasi muyero zvakanyanya sezvaunokwanisa, zvichida zvakakwana. Kana iwe uchibhadhara chikamu chakakosha cheyeri yako, chikwereti chako chekwereti chikwereti chinogona kubvumirana nechikwereti chikamu kuwedzera.
Iwe unogona kudzivirira mixed-out out balances kuburikidza nekuongorora nguva yako kushandisa kadhi rechikwereti.
Iwe unogona kutarisa chikamu chako panguva ipi neipi yepaIndaneti, kuburikidza nefoni yepurogiramu, kana nekududza mavhisi ekutenga makadhi ako. Ita zvakasimba kuti uchengetedze zvaunenge uchitenga pasi pemutengo wako wose uripo kuti urege kubhadhara kadhi rako rechikwereti. Kana imwe nguva bhayari yako yatanga kusvika kune chikwereti chechikwereti, rega kushandisa kadhi rako rekwereti uye funga kubhadhara kuri account yako.
Maxed-Out Credit Cards uye Your Credit Score
Kana kadhi rako rekwereti richiri kukanganiswa nenguva iyo kadhi yako yekwereti yekwereti inoshuma akaunti yako kune mabhizimisi emarikiti-kazhinji pamushumo wekutevedza kwekambani yako-chiyero chekugadzirisa chinogona kukanganisa chikwereti chako chekwereti. Inenge chikamu chimwe chete muzvitatu chekwereti yako chikoro chinotarirwa kuti mari yako yakawanda iripo inoshandiswa sei, saka kuwedzera kadhi rako rekwereti kuchakuvadza chikwereti chako. Kazhinji, chikamu chero chipi zvacho chinopfuura 30 kubva muzana chekodha yako iripo inogona kunge isina kukanganisa pane yako chikwereti chikamu.
Kune rimwe divi, iwe unogona kubhadhara bhaari yako musati tenzi yacho yavhara, uye maxed-out balance haazobvumirwi kunzvimbo dzekwereti, zvichidaro kuchengetedza chikwereti chako chikoro.
Kubvisa kadhi rako rechikwereti hakurevi nguva dzose kuti iwe uri chikwereti chisingabatsiri. Iwe unogona kunge wakaita chisarudzo chokufunga kuti ubhadhe mari yakakwirira pane kadhi rako rechikwereti. Semuenzaniso, iwe unogona kunge uchida kubhadhara mari yako yekubhadhara kadhi rechikwereti. Kana iwe unogona kuwandisa kadhi rako rechikwereti kuti uchengetedze kutengesa kushandiswa kwemari. Kunyange zvazvo chikwereti chako chikwereti chingave chichitsvaga kubva kune chimwe cheizvi, unogona kugadzirisa kukanganisa kuburikidza nekuderedza chikwereti chako chekadhi rechikwereti nekukurumidza.