Mhando dzeChechi Cards Unofanira Kuzvidzivirira
Mazhinji emakadhi emakwereti akanaka. Pane dzimwe nzira dzakasiyana-siyana nemakomborero makuru uye kukurudzira mutengo wemari. Kune rumwe rutivi rwemitambo, pane zvimwe zvinotyisa zvikwereti zvemakadhi, izvo zvinofanira kudziviswa pamatambudziko ose.
Makadhi ekukwereta akaipisisa anowanzopamba kune vatengi vakamboita zvikanganiso zvemari uye vangave vasina kukodzera chero chinhu chiri nani. Kunyange kana iwe usina chikwereti chakanakisisa, haufaniri kubvuma kadhi rechikwereti nemashoko anotyisa.
Paunenge uchisarudza kadhi rechikwereti , hezvino zvimwe zvikamu zvinokodzera kuti iwe unonyanya kusarudza iwe.
Kudhura Kwepamusoro
Nhamba shoma yemakadhi emakadhi anobhadhara mari yekutanga kune kadhi rechikwereti, kunyange usati wambozvitenga. Nyora kuburikidza nemitemo yemakadhi echikwereti, kutarisa kunze kwemari yakafanana nemari yekuisa-gwaro, mari yepurogiramu, mari yekubatana, mari yemakadhi anowedzera, uye mari yekukwereta kwemiganhu yekwereti. New Federal mitemo inoti idzi subprime kana "mukoti wekubhadhara" makadhi emakadhi haagoni kupa mari inopfuura 25% kana yako yekutanga chikwereti mubhadharo. Icho chichiri mutengo mukuru wokubhadhara kungova nekadhi rechikwereti uye uri mubhadharo unofanira kufunga kaviri pamusoro pokubhadhara.
Hapana Kupa Chikwereti
Iko kadhi kadikiti yakaipisisa haingakubatsiri kuvaka chikwata chakanaka chekwereti. Kana uri kushanda pakuvaka kana kuvakazve chikwata chako chekwereti, kadhi rechikwereti risingatauri kune guru rekubhadhara chikwereti hazvizove rakakunakira iwe. Sezvo nhoroondo yekubhadhara yekadhi iyo isingaoneki pamushumo wekwereti yako kana muchikwereti chenhamba yako kuverenga, mari yako yakanaka haiti chero chinhu chakanaka kukubatsira iwe kuvaka chikwereti chako
Unreasonably High APRs
Iko kadhi kadikiti yakaipisisa inouya nePA yakakwirira, yakakwirira kwazvo kudarika mazana emamwe makadhi emakadhi. Ruzhinji rwekadhi rechikwereti reAPRs rinobva kune 0% (nokuda kwekutsvaga kwehuwandu) kusvika ku24,99%. Makadhi ekukwereta akaipisisa ane APRs nguva dzose anopfuura chikamu chechikwereti chezvikwereti zvakawanda. Dzivisa chero kadhi rechikwereti rine APR nguva dzose ye30% kana kupfuura.
Kufanirwa kweZvikwereti zveCredit Credit
Usati wanyorera kadhi rechikwereti, kunyange kadhi rechikwereti rakagara ragamuchirika, shandisa nemagariro ekadhi rechikwereti kuti uwane maitiro nemamiriro ekadhi. Enzanisa nekutengesa kadhi rechikwereti nemamwe makadhi ekwereti kuti uwane pfungwa yepi kadhi rechikwereti rinowanzobhadhara. Sarudza kadhi rechikwereti rine mazwi anonyanya kufadza kuti chikwereti chako chigare.
Kana chikwereti chakashata kana pasina chikwereti chenhoroondo ichikuchengetedza kubva pakugamuchirwa kadhi nemashoko ari nani, funga kuwana kadhi rekwereti rakachengeteka kuti ubatsire kusimbisa chikwereti chako. A kadhi rechikwereti yakachengetwa inoda kuti iwe uite mari yepamusoro kuti uwane chikwereti chako. Kana wabvumirwa, unogona kushandisa kadhi rechikwereti seimwe kadhi rechikwereti. Kana zvikwereti zvako zvenguva yakakodzera zvichitaurirwa kune chikwereti chemarikiti, chikwereti chako chinowedzera, zvichiita kuti zvive nyore kukwanisa kuwana kadhi rechikwereti iri nani.