Kana iwe uchida rubatsiro rwemishonga rusingafukidzwi neinishuwarenzi yako kana kana yako inshuwarisi mupivha isingabhadhari mari yose, mushandi wenyu wehutano anogona kuisa chiremba chikwereti rechikwereti semhinduro. Makadhi emakadhi emakirini anogona kushandiswa kuvhara Lasik kana mamwe maitiro ekuratidzira, kuvhiyiwa kwezvigadzirwa, mazino emishonga, zvipatara zvehutano, kana dzimwe nzira dzinodhura dzisingagoni kuvhara muhomwe.
Usati wasarudza kushandisa chiremba rechikwereti rechikwereti pane zvaunotenga, hezvino zvose zvaunoda kufunga.
Medical Credit Cards Izvo Zvisina Kukwana Shandisa
Makadhi emakadhi emakadhi haasi makuru makadhi emakadhiti, sekadhi makhadi ane Visa kana MasterCard logo. Ivo vashoma vanoshandisa zvikwereti zvekwereti, zvakafanana nemakadhi emakadhi ezvitoro . Izvozvo zvinoreva kuti makadhi aya anogona kungoshandiswa kuvhara mazano ezvokurapa uye chete apo mupi webasa anobvuma nzira iyo yekubhadhara. Mamwe makadhi okukweretesa ezvokurapa anogona kungoshandiswa chete kune mamwe marudzi emabasa. Iva nechokwadi chokuti kadhi yaunoshandisa inogona kushandiswa kwebasa rauri kugamuchira.
Iwe haungakwanisi kushandisa kadhi rako rechikwereti kune zvimwe zvekutenga. Kune vamwe vanhu, kushandiswa kwemugumi uku kunogadzira muedzo wokubhadhara mabasa asina kukodzera ezvokurapa sezvo vachiziva kuti chirwere chekodheni chekwereti chichapa mukana wekubhadhara kwenguva.
Medical Credit Cards Kuita Kuti Uwane Chikwereti
Nemhaka yokuti ivo vane chikwata chekwereti, makadhi emakadhi emakadhi anoda chekuongorora chikwereti.
Iwe unofanirwa kuita sarudzo, sekunge kune imwe imwe kadhi rechikwereti uye iwe unogona kurambwa kana iwe usingakwanisi kuwana chikwereti chekodzero. Kana iwe uchibvumirwa, nhoroondo yako yekodha ichazoendeswa kumabhadharo ebhadhara , yakabatanidzwa pamushumo wekwereti yako, uye ichayera muchikwereti chako. Kubhadhara panguva kunokosha kuti uve nechokwadi chokuti chikwereti chako hachina kuchinjwa.
Mamwe makadhi okukweretesa ezvokurapa anoda kuti iwe udzorere chikero mukati mehuwandu hwenguva, pane kukubvumira kuti uite zviduku zvishoma kubhadhara kusvika kune chikoro chako. Mashoko okubhadhara anowanzopfupika, kubva pamwedzi 6 kusvika ku36. Zvisinei, mamwe makadhi emakadhi ekubhadhara anopa nguva yekubhadhara kwemwedzi inenge 60 kusvika kune inodhura maitiro.
Medical Credit Cards Akaratidza Kufarira, Kwete Ichokwadi 0% Inofarira
Zvikwereti zvakawanda zvemakadhi ekubhadhara zvinokwana 0% mukana wekutangira nguva , asi pane kubata nezvinhu izvi. Kusimudzirwa ndeyekugadziriswa-chibvumirano chekufarira, icho chakasiyana kwazvo nekutanga 0% kunopa iwe unoona nezvimwe zvikwereti zvekwereti.
Nekusimudzirwa kwekuratidza kufarira, unofanirwa kubhadhara mubhadharo wakakwana musati nguva yekutsvaga yapera kugamuchira 0% zvekutengeserana kwebasa. Kana zvisina kudaro, kana imwe yemari yakasara mushure mekutengeswa kwenguva, nhoroondo yako ichagumburwa nekutora zvekuita zvekare kubva pakutanga kwekutengesa. Zvichienderana nechiyero uye chikwereti chechido, bhaari yako inogona kukura mazana emadhora akakwirira.
Kubhadharwa kwekupedzisira kwezvikwereti kunogona kuoma - kana iwe uchingorasikirwa nehomwe imwe chete, iwe hauzoiti chete mari yekubhadhara nguva pfupi asi iwe uchatasikirwa nehuwandu hwekutsvaga kwekunaka; nharaunda ichapamba munguva pfupi.
Nharaunda yakasarudzwa haisi iyo yakaipa yebvumirano, chero bedzi iwe unonzwisisa kuti ndizvo zvauri kunyora uye iwe unogona kubhadhara chikwereti nguva isati yawanikwa isingagumi. Zvisinei, izvi hazvisi nguva dzose.
Muna 2013, Consumer Financial Protection Bureau yaida GECapital kudzorera kusvika ku $ 34.1 mamiriyoni emitengo yekufarira kune vatengi vasina kupiwa tsananguro yakakodzera yezvakaderedzwa zvido. (GECapital kubvira kare yakashandura zita rayo kuti Synchrony Financial.)
Ita mathemoni usati wabvumirana nekuderedza kufarira kufarira. Gura mutengo wemabasa ako nehuwandu hwemwedzi munguva yekutengesera uye bvunzurudza bhajeti yako kuti usarudze kana iwe unogona chaizvoizvo kutenga mari iyi. Kana iri kutambanudza kuita zvikwereti, pane mukana wakaisvonaka iwe haungakwanisi kubhadhara mubhadharo nguva isati yapera.
Medical Credit Cards Inogona Kuendesa Chikwereti Chirapa
Chikwereti chechiremba chinetso chakadai muUnited States kuti chakataurwa sechikonzero chimwe chechikonzero chekuputsa - uye icho chiri chematokari emari anokweretwa zvakananga kuvarwere. Kuisa rubatsiro rwezvechiremba pane kadhi rechikwereti kunogona kuita kuti chikwereti chiwedzere.
Dambudziko rinowanzoitwa navanachiremba chikwereti makadhi ndeyokuti vanokurudzirwa nevashandi vezvehutano avo vasiri nguva dzose vanoziva zvizere nemitemo nemamiriro ekukwereta makadhi. Kazhinji kazhinji, varwere vanosara pasina mari yavanoda kuti vaite chisarudzo chavanoziva.
Uye sezvo vashandi vezvokurapa vanokurudzira kadhi rechikwereti zvakananga, varwere vanogona kutenda kuti vari kusayina chirongwa chekubhadhara mumba uye nehofisi yezvokurapa panzvimbo pokuvhura kero yekodha yekwereti. Izvi zvingadaro zvakaita kuti murwere arambe kupiwa.
Vatapi vebasa rekurapa vanobhadharwa mukati memazuva mashomanana ekutengeserana, zvisinei pasinei nokuti vakaita mabasa aya kana kwete. Vatengi kazhinji havagoni kuwana mari kana vakasarudza kuti vasawana mabasa.
Imwe Chikwereti Chakwereta Haisi Yenyu Yega Yokusarudza
Funga nezvechiremba makadhi emakadhi sezvaunenge uchida chero imwe kadhi rechikwereti - zvichida kunyange moreso kubva panguva yaunenge uchishandisa nayo pakarepo. Ongorora chero mari yakakosha, APR nguva dzose, mari, kubhadhara kwekubhadhara zvikwereti, nezvimwe. Zvakakosha zvikuru kuti iwe uverenge zvakadhindwa zvakanaka usati wasayina kadhi rechikwereti. Iva nechokwadi chekukumbira mubatsiri wako wezvinhu zvose izvi izvi usati wabvumirana nekadhi rechikwereti. Zvienzanise nezvimwe zvaunogona kuita usati waita chisarudzo chokupedzisira.
Kana iwe uchifanira kuisa nzira yako yezvehutano pamapurasitiki, haufaniri kushandisa kadhi rechikwereti rinowanikwa nevarapi vehufisi yehofisi. Iwe unogona kushandisa kadhi rechikwereti iwe wave uine kare kana iwe uine chikwereti chakakwana chekuwana . Iwe unogona kunyange kutumira kadhi rechikwereti rine zero pamapurisa ekutsigira APR pakutenga. Kana iwe uchikodzera, ichava chechokwadi zero chikamu chekutengeserana kwekutengeserana - chete chikamu chakasara mushure mekutsvaga nguva ichabhadhara chikwereti pamutengo wenguva dzose.
Iwe unogona kukwanisa kushandisa imwe kadhi rechikwereti rechikwereti, rimwe rine mazwi ari nani. Iwe unofanirwa kutarisa nekadhi rechikwereti uye wako wekurapa mupivhiti kuti uone kana iri sarudzo inoshanda.
Iwe unogonawo kumubvunza wako mupiro wepurogiramu yekubhadhara - kunyange kana zvinoreva kubhadhara muzvikamu zvepamusoro. Iwe unogona kukwanisa kupinda mumba mako kukwana kana mumatambudziko ekurapa, iwe unogona kukwanisa kubvisa rusununguko kubva kune yako 401k.
Hapana chinhu chakakanganisika kuburikidza nekushandisa chiremba kadhi rechikwereti kuti ubatsire kuvhara mari yako yekurapa. Ingoita kuti uve nechokwadi kuti unonzwisisa uye unobvumirana nezvauri kunyora. Bhadhara chikamu nokukurumidza sezvinobvira kuderedza chikwereti chaunenge uchibhadhara uye kuve nechokwadi kuti iwe unobhadhara mukati mezvakaitika-nguva yekufarira, kana pane imwe.