Kana zvasvika pakero yako yekadhi rechikwereti, nzvimbo "yekare yakakodzera" nhoroondo yekodha haisi chinhu chakanaka. Iyo yakawedzerwa nhoroondo yako yakapfuura, yakanyanya kuipa nokuda kwekumira kwekambani uye chikwereti chako.
Zvinorevei kupfuura zvakakodzera?
Kana iyo nhoroondo yapfuura, izvi zvinoreva kuti hapana kubhadhara kwakashandiswa ku-account sekubhadhara kwekupedzisira kwezuva. Nhoroondo yako inonyanya kupera nekuda kwezuva raunosuwa kubhadhara.
Nhoroondo yacho inoramba iripo-yakatarwa kusvikira iwe uchiita kubhadhara mari shoma kuti uuye nekambani ikozvino.
Kana kambani yako yakapera, iwe unogona kukweretwa mari yekupedzisira, ita kuti chido chako chiwedzere, kana kuti urege kurasikirwa nekwanisi yako yekutenga pane account yako. Nekomborero kadhi rechikwereti, unogona kurasikirwa nemaropafadzo ose awakagamuchira. Chiitiko chekare-chinokodzera chinogona kushanda kune chero kero kero inoda kugara nguva dzose pamwedzi kubhadhara nezuva rakakodzera.
Chii chinoitika kana wapfuura zvakakodzera
Kunyange zvazvo nhoroondo yako inogona kupfuura nekuda kwezuva raunosuwa kubhadhara, iwe une nguva isati yasvika iyo inobata chikwereti chako. Mharidzo yako yechikwereti haingaratidzi kuti nhoroondo yako yakapera kukosheswa kusvikira kubhadhara kwako kwemazuva makumi matatu pfupi. Kana imwe nguva yakapfuura-yakatarwa ichitaurirwa kune chikwereti chemarikiti, ichasvibisa chikwereti chako chikoro. Izvo zvakapfuura nekuda kwekuti iwe uri, zvakanyanya kukuvadza chikwereti chako chikoro.
Pa mazuva makumi mapfumbamwe akapfuura, chikwereti chako chekwereti chichakwaniswa.
Iwe hauzove nechisarudzo chekubata pane zvakaitika kare-zvichienderana nekubhadhara uye udzokezve zvishoma nezvishoma kubhadhara. Pane kudaro, iwe unongova nega sarudzo yekubhadhara chikero chakakwana. Kadhi kadi yako yekubhadhara chikwereti inogona kugovera kana kutengesa kambani kune sangano rinounganidza kuti riwedzere kuunganidza.
Iwe unogona kubhadharwa mwedzi unoverengeka mwedzi mumwe nomumwe wawakapfuura wakafanira.
Nemhaka yokuti mari iyi inowedzera, iyo yakatora nguva yakareba yakakwana, iyo inowedzera kuti iwane mari yekubatwa pamusoro pemari yako. Mushure mekunge mazuva makumi matanhatu apfuura nekuda kwekadhi yako yekadhi yemakadhi , chikwereti chako chinogona kuwedzera chikwereti chako chekuda kusvika kune yakanyanya kutongerwa mutengo. Mune zvimwe zviitiko, chirango chechirango chinogona kuramba chichigadzirisa chero chenguva yemutengo mutsva kunyange mushure mekunge mabhadhara kero yako ikozvino.
Nyasha nguva isati yapfuura
Vamwe vanokweretesa vanopa nguva yekubhadharwa kwenguva yakareba kupfuura zuva rakakodzera apo mubhadharo wenyu unogona kugamuchirwa pasina mhosva. Semuenzaniso, kana kubhadhara kwako kuchikwana musi wechishanu wemwedzi uye iwe une mazuva gumi-nenyasha yenguva, iwe uchatorwa sekare kare nekuda kwegumi nemashanu yemwedzi. (Cherechedza: izvi zvakasiyana nehenda yekadhi rechikwereti iyo inokupa mukana wekudzivisa kubhadharwa mitero nekubhadhara mari yako yakazara.)
Zvekare-zvichienderana nemari
Chikamu chako chekadhi rechikwereti chinosanganisira chikamu chekare-chakafanira. Mari iyo ichave yakakwirira kudarika yaunogara uchibhadhara pamwedzi unoenderana nekupfuura kwakaitika sei kuti account yako yakava. Nhamba yekare-yakakwana ndeyemari yemari shoma yaunoshesa pamwe nemari yakaderedzwa yakawedzerwa ku-akhawunti yako sezvo iwe wekubhadhara kwako kwekupedzisira zuva rakakodzera . Iyi ndiyo mari yaunofanira kubhadhara kuti uuye neakaunti yako ikozvino zvakare.
Kubva pane zvekare-nekuda kwehutano
Iwe unogona kuuya neakaunti yako kubva pane yakatarwa-yakatarwa kuburikidza nekubhadhara chikwereti chiduku pamwe chete nemari yakaderera uye chido chave chakawedzerwa kune chikwereti chako. Kana uchinge wabhadhara chikamu chekare-chikonzero, iwe ucharega kuunganidza mari yekupedzisira. Chikwereti chako chekwereti chekwereti chichapa chiitiko che "ikozvino" kune zvikwereti zvekwereti kwemwedzi iwoyo mberi. Kana kadhi yako yekubhadhara chikwereti yakasimudza APR yako kusvika pamutengo wekutengesa, ichadzoka kuAPA yakapfuura mushure mekunge maita mari yenyu inotevera matanhatu panguva.
Kana iwe usingakwanisi kubhadhara mari yakazara inotarisirwa kuti uuye neakaunti yako ikozvino, taura nemunhu wako chikwereti kana kukwereta pamusoro pezvokubhadhara. Chitupa chako chekwereti rechikwereti chinokwanisa kupa urongwa hwekubhadhara huchaita kuti zvive nyore kuwana account yako kubva kare-nekuda kwechiitiko. Vamwe vanokweretesa vanogona kukumbira kushivirira kubhengi yako uye kuwedzera mari yakadarika-yakatarwa kune chikwereti chemari yako yekukweretesa uye kukubudisa iwe kubva kare-nekuda kwehutano.