Ukasabhadhara kiredhiti kadhi rako rechikwereti, ungangobhadhariswa a kunonoka kubhadhara , suwa nguva yako yenyasha uye unofanira kubhadhara mubereko pachirango . Zvibodzwa zvako chikwereti chichaendawo pasi kana ikanonoka kanenge Mazuva makumi matatu mukubhadharwa kwekadhi rechikwereti. Ukaenderera usina kubhadhara, mupi anogona kuvhara account yako, kunyangwe iwe uchizoramba uine mutoro weinvoice.
Ukasabhadhara bhiri kwenguva yakareba zvakakwana , mupi anogona pakupedzisira mumhan'arire kubhadhara kana kutengesa chikwereti chako kune a musangano wekuunganidza (ndiani angakumhan'arira). Asi hazvisi zvese kana hapana nechikwereti chekadhi rechikwereti. Iyo nyaya yakatosiyana kana iwe ukangobhadhara iyo hushoma huwandu hunodiwa .
Kana iwe uchigara uchibhadhara zvirinani zvakashomeka zvinotarisirwa zuva risati ratarwa , account yako icharamba iripo mumamiriro akanaka Uye haufanire kutarisana nemari yekunonoka, mari yechirango, kana kukuvara kwechikwereti. Unongofanira kubhadhara mubereko pane yakasara pachiyero pachiyero chekadhi rako.
Izvi ndizvo zvinoitika kana ukasabhadhara kadhi rako:
- Kana iwe ukabhadhara iyo shoma inodiwa asi kwete iyo yakazara chiyero chakakodzera: Yako yakazara isingabhadharwe mari inowedzera kufarira kubva pane yako kadhi yakajairwa APR. Iwe zvakare ucharasikirwa nenguva yako yenyasha, saka zvitsva zvinotenga zvinowedzera mubereko ipapo zvakare.
- Kana iwe ukasabhadhara chinhu: Akaundi yako inozonzi yakanonoka kumahofisi echikwereti mushure memazuva maviri apera kupera. Izvi zvinokuvadza chikwereti chako chikwereti. Pamusoro pezvo, chiwedzero chinosvika kumadhora makumi matatu nemasere chinogona kuwedzerwa pachiyero chako (asi hachigone kupfuudza mari yako yepasi). Wako anokupa anogona zvakare kuisa chirango APR kune zvitsva zvekutenga, kunyange ivo vachifanira kukuudza iwe mazuva makumi mashanu pamberi.
- Kana iwe uchinonoka mazuva makumi matanhatu pamabhadharo mashoma: mupi anogona kunyorera chirango APR kune yako yese iripo yasara.
- Kana iwe uchinonoka mazuva zana nemakumi masere pamubhadharo mushoma: iyo kadhi rechikwereti kambani inofanirwa kunyora chikwereti chako (chiona sekurasikirwa kwemitero). Asi hazvireve kuti vanozomira kuyedza kuti iwe ubhadhare. Vanogona kutengesa chikwereti chako kusangano rekuunganidza kana ivo vanogona kusarudza kumhan'ara kwauri.
- Ukasabhadhara pakati pemakore matatu kusvika gumi nemashanu: uri munjodzi kumatare, zvichienderana nedunhu raunogara. Chikwereti chepresheni hachisi chekuzvidzivirira chinoshanda kudzamara mutemo wenyika yako wekukanganisa wapera. Kana iwe ukarasikirwa nematare uye ukanzi ubhadhare, mibairo yako kana account yekubhangi inogona kuve yakashongedzwa.
Saka chinonyanya kukosha ndechekuti iwe unofanirwa kugara uchiedza kuita zvirinani mari yepasi pakadhi rako rechikwereti. Chokwadi, iwe ucharamba uine chikwereti, asi haufanire kutarisana neimwe yakaipa mhedzisiro yekusabhadhara kiredhiti kadhi rako.
Kana iwe wakanonoka, chakanyanya kukosha kutora pane ako akarasikirwa mashoma mabhadharo uye kudzorera account yako kumashure kune zvazvino mamiriro. Mushure meizvozvo, chinangwa chako chinofanirwa kunge chiri chekubhadhara chakazara chakaringana nekuda kwemwedzi miviri yakateedzana. Kunyangwe zviri nyore kutaura pane kuzviita, kuita kudaro kunodzorera yako nguva yengoni uye kumisa kuunganidzwa kwechido chitsva.
Zvekuita kana iwe usingakwanise kubhadhara
Chii chinoitika kana uchingosangana nemabhadhariro mashoma kupfuura zvaunokwanisa uye wafunga kuti haugone kubhadhara yako kiredhiti kadhi zvikwereti?
Ichi chete: Kana chokwadi chezvemari chikakanganisa hupenyu hwedu hwezuva nezuva, inguva yekutora matanho. Yakangwara, yakatsunga uye inoshandura hupenyu chiito.
Kana iwe ukamirira kwenguva refu kugadzirisa chinetso chekadhi rechikwereti, mamiriro ako anogona kudhura, anodaro Bruce McClary, mutevedzeri wemutungamiri weNational Foundation yeCredit Counselling. Kudonha kumashure pane ako ekubhadhara kunogona kutungamira kune yakakwira chiwero chemitero, mimwe mibairo, uye kudonha kwako chikwereti mamaki.
Yese mhedzisiro inosuruvarisa iyi inogona kuve nemhedzisiro inokanganisa zvimwe zvinokosheswa zvemari. Kunyangwe nguva isiri shamwari yako kana iwe uri mudambudziko rechikwereti, haufanire kufunga kuti kwanonoka kukumbira rubatsiro.
Kupi uye sei kuwana rubatsiro
Nhau dzakanaka ndedzekuti pane zviito, zvekukasira, zvepakati, uye zvenguva refu, zvaunogona kutora kuti uwane kurudyi. Kubva zvino zvichienda mberi:
Bata vanopa kadhi
Mutemo n. # 1 ndeyekuti iwe unofanirwa kutaurira vako vane chikwereti kuti iwe uri mudambudziko rezvemari. Tsanangura mamiriro ako ezvinhu. Kana iwe uri kunetsekana mune zvemari (iwe wakaramwa basa kana uine mari yausingatarisiri), uri mukana wekudzora usimbe hwako nekutaura chokwadi. Kunyangwe iri dambudziko rekushandisa zvakanyanya, kana wanga uri nenguva kusvika ikozvino, vanogona kusekerera iwe.
Ivo vanogona kunge vachikupa iwe zororo apo iwe uchigadzirisa mamiriro ako emari, McClary anodaro. Asi kana iwe ukasabvunza, haufe wakaziva zvavangaite kuti vakubatsire kudzivirira kudonha kumashure pakubhadhara kwako.
Kunyangwe pasina vimbiso yekuti vangabatsira sei, vanogona kubvumidza mwedzi wekubhadhara mubereko kana kunyange mvumo yekusvetuka muripo.
Iwe hauzove iwe wekutanga kunetseka mutengi kubata wako waakakweretesa. Bvunza izvo zvavanowanzoitira vamwe vari mumamiriro ako ezvinhu.
Paunenge uchidaro, edza kutaurirana nezve kurerutsa. Kutumira muripo wakasarudzika pasina tsananguro hakubatsire; Kupa kuti uzviite uchitaura nemumiriri wemukweretesi wako.
Paunenge uchiedza kufunga zvinhu, usaite zvipikirwa zvausingakwanise kuchengeta.
Wana rubatsiro rwekunze
Chaunoda ruoko. Nyanzvi hadziwanzo kuzviita dzoga. Iwo akanakisa nyanzvi gorofu anovimba nevarairidzi vavo. Saizvozvowo vatambi vetennis vepamusoro, Pro Bowl quarterbacks, uye All-Star baseball vatambi. Vanokwikwidza Presidential vanovimba nemhando dzese dzeanoronga.
Nei vanhu vasingabudirire mukutarisira mari vachitora nyanzvi, zvakare?
Taura neyako nyanzvi yezvemari senge isingabatsiri chikwereti chipangamazano, akadaro McClary. Vanogona kukupa iwe pachako hutungamiriri kuti ubatsire iwe kukunda ako kiredhiti kadhi matambudziko uye kuti udzokere munzira inoenda kune ako emari zvinangwa.
Pasina pasi pehurumende yemubatanidzwa Consumer Financial Protection Bureau inobvumirana, ichiwedzera kuti: Usati wasaina, bvunza kana uchabhadhariswa, yakawanda sei, uye masevhisi api achapihwa.
Dzivisa makambani ekuyamura chikwereti kuitira purofiti uye unomhanya kana iwe uchinzwa chero cheanotevera:
- Mari dzinounganidzwa usati wabhadhara zvikwereti zvako
- Zvipikiso zvinogona kuita kuti chikwereti chako chi nyangarike
- Zvinokurudzirwa kurega kutaurirana nevanokweretesa.
- Ivo vanokuudza kuti mira kuita shoma mari
Nenzira imwechete iyo Marie Kondo anoita kuti vatengi vake vazvidavirire nekuzvipira kuraira hupenyu hwavo mukutsvaga rusununguko uye mufaro, kunyoresa muchirongwa chekutarisira chikwereti neasina purofiti chipangamazano chinokutungamira kubva pagomo rako rezvikwereti zvezvikwereti kurusununguko rwemari.
Tichifunga nezve B izwi: Kubhuroka
Funga zvakanyatsonaka nezve izvi, nekuti kana uchinge wazvipira ku kubhuroka , hangover ichaenderera kwechinguva: makore manomwe kana ukasarudza Chitsauko 7, kubhuroka kwakananga uko yakawanda yemidziyo yako inobviswa kubhadhara zvikwereti zvako, nezvimwe zvese zvaburitswa; Makore gumi kana iwe ukasarudza Chitsauko 13 kurongwazve, mauri unouya nehurongwa hwekubhadhara vako vaunokweretesa, kuburikidza nepakati, kwemakore matatu kusvika mashanu.
Kubhuroka, anodaro Dan Grote, mudiwa kuDenver-based Latitude Financial Group, rudzi rwekupedzisira mamiriro ezvinhu, asi zvakakodzera kune mamwe mamiriro uye hazvireve kuti kurova kunouraya. Iko shanduko inoenderana kana pasina chaicho imwe sarudzo.
Ongorora mashandisiro ako; Ongorora zvakare bhajeti yako
Une bhajeti, handiti? Zvikasadaro, iwe unogona kumisikidza imwe uchishandisa chero nhamba yemahara bhajeti maapplication kana epamhepo bhajeti zvirongwa. Kiyi, anodaro Cecilia Case, anodzidzisa mari kuPortland, Oregon, ndeyekumisa kubuda kweropa. … [Vanhu] vanoda kutsvaga nzira yekumira kuwana zvimwe zvikwereti.
Pakati pemitsara iyi, Alexandra Tran, blogger wezvemari uye nyanzvi yekushambadzira yedhijitari nekambani yenyika e-commerce uye logistics, inokukurudzira kuti utarise pamusoro pemabhengi ako ebhangi. Anoteedzera ake ezuva nezuva achishandisa Kiredhiti Karma uye mabhangi maapplication.
Pandinoona mari yangu, anodaro Tran, ndinoziva pandisingafanirwe kushandisa.
Nekudaro, ino ingangove nguva yakanaka yekutarisa makadhi ako echikwereti uye zvirevo zvebhangi zvekubhadhara otomatiki izvo iwe zvausingamboshandisa kana zvaungaita pasina. Inguva zvakare yakanaka yekutarisisa kuti mari yako irikuenda kupi.
Pakupedzisira, kuhwina nemari kunodzikira pakutamba kukanganisa kwakanaka, kuzvidzivirira kwakanaka uye zvikwata zvakakosha - ndiko kuteedzera, Grote akadaro. Unozadzisa zvaunoteedzera.
Wedzera hova dzemari
Kunze kwekucheka zvaunoshandisa, chengetedza ziso rako munzira dzekuwedzera mari yaunowana. Iwe unokodzera kukwidziridzwa here? Tsvaga kuti nei uchifanirwa nazvo (Zano: Chikonzero hachigone kuve nekuti iwe unoda mari yakawanda - munhu wese anoita), nyora zano rakasungirirwa pamutengo wako wemusika, uye taura nemukuru wako.
Ona kwaunogona kuwana tsoka senge freelancer kana mune yegig hupfumi. Ongorora Upwork, Guru, uye TaskRabbit, kutumidza matatu, ayo anobatanidza vanotsvaga basa neavo vanoda mabasa akazara.
Zvakanakisa kuzvishandira munzvimbo yaunowana ruzivo, asi hazvina basa, anodaro Priyanka Prakash, munyori mukuru kuNew York-based Fundera. Iwe unogona kutanga nekuchaja yakaderera awa imwe mwero kukwezva vatengi. Kana iwe ukaita basa rakanaka, iwe unowana kuongororwa kwakanaka kubva kune vatengi uye iwe unogona kuwedzera yako mwero.
Kune dzimwe nzira dzinoshamisa dzekubuda muchikwereti uye kugadzirisa mari yako, anodaro Vicky Eves, blogger wezvemari kubva kuWiltshire, UK (ibeatdebt.com), saka usabatike munzira yekufunga kuti unogumira kune imwe kana sarudzo mbiri!
Zvakaitwa naEves ndeyechokwadi, anoonekwa paterevhizheni uye anowana zvakakwana kudzima hafu yechikwereti chake. Unconventional, hongu. Kunze kweBhokisi? Chaizvoizvo? Inogoneka? Isu tanzwa zvakanyanya pfungwa.
Une zvinhu zvekutengesa pamhepo here? Kubva paBay kuenda kuCraigslist kuenda kuPoshmark uye nezvimwe, hapana kumbove nenguva iri nani yekuwana mutengo wakanakisa wezvinhu zvaunogona kurarama usina.
Pamusoro pazvose, usabve. Kudzivisa kutaurirana kwevakweretesi kunoita kuti zvinhu zvako zvemari zviwedzere. Kudzivisa kusangana nevanhu vakajairika kunogona kukonzera kushushikana uye kunzwa kwekushaya tariro.
Kune kushushikana kwakawanda nematambudziko emari, saka kuita zvinhu kuti mweya wako urambe wakakosha zvakare, anodaro Olga Kirshenbaum, muridzi weRags kuRiches Consulting. Kuenda kunetiweki uye yekuzvipira zviitiko inogona kuve nzira yekugara wakabatikana uye wakabatana, pamwe zvinogona kutungamira kune rako rinotevera basa.
Unogona kudzoka netsoka dzako. Uye iwe unogona kunge uchizviita nekukurumidza kupfuura zvawaifunga kuti zvinogoneka. Tora matanho, taurirana, bvunza nyanzvi, gara wakabatana uye utore kutonga. Iwe uchashamisika kuti uripi panguva ino gore rinouya.
Mhedzisiro yekusabhadhara
Teerera, zvinoitika. Mari yechimbichimbi inoonekwa. Iwe unorwiswa nedambudziko rekurapa kana njodzi yechisikigo. Hurumende yemubatanidzwa inovhara kweinopfuura mwedzi. Kana kuti pamwe iwe unongo pfuura bhajeti. Chero chingave chikonzero, hapana chakanaka chinouya kubva pakusabhadhara kiredhiti kadhi rako zvikwereti. Zvese zviripo muchibvumirano cheanopa.
Ingo wedzera kune chinotyisa: Kana iwe uri kumashure pane ako ekubhadhara, usatombofunga nezvekuedza kuunganidza mamaira ako kana mubairo mapoinzi.
Mareti ekubhadhara mari
Kubhadhara kunonoka kunogona kukonzera kunonoka kubhadharira inosvika kumadhora makumi maviri nemashanu pamhosva yekutanga. Uye yakawedzerwa chaiko kune yako chiyero, ichikupa iwe zvimwe zvekubhadhara. Gare gare kunonoka kubhadhara kunogona kukonzera kunyangwe yakakwira mari, inosvika kumadhora makumi matatu nemashanu.
Nhau dzakanaka ndedzekuti mubhadharo wekunonoka kubhadhara haugone kuve wakakwira kupfuura iwo muripo wepasi wakakodzera. Kana iwe wakanonoka uine mashoma emadhora gumi, mari yako yekunonoka haigone kudarika $ 10. Nekuda kweizvozvo, vazhinji vanopa kiredhiti kadhi vanoisa yavo yepadiki kubhadhara pa $ 25 kana kupfuura.
Mhedzisiro pane yako APR
Chimwe chikonzero chekuchengetedza. maakaunzi anowira kumashure mumazuva makumi matanhatu apfuura anowana mwero wechimbadzo unowedzera, kusvika pamakumi matatu muzana muzvimwe zviitiko.
Izvo zvakashata, handiti? Zvakaipisisa, chibvumirano chako chinogona kutaura, kunyangwe iwe uchizokodzera kudzoserwa kweAPR pakutenga pre-chirango kana iwe ukabhadhara nenguva yemwedzi mitanhatu, mutero wechirango unogona kuenderera pakutenga kutsva nekusingaperi.
Kana iwe uri kutenderedza kiredhiti kadhi zvikwereti, zvishoma zvinhu zvekuchengeta mundangariro:
- Vamwe vanopa makadhi havana mari yechirango sechikamu chezvibvumirano zvavo. Tarisa zvibvumirano zvako kuti uone kana zviri izvo zvakaita chero ako emakadhi.
- Kana iwe uine zero zero kadhi, ita shuwa kuti urichengete riripo, kana kuti ungarasikirwa neyako yekutanga sosi.
- Kana iwe uine anopfuura kadhi rimwe kubva kune anoburitsa muhomwe yako, kunonoka kune rimwe remakadhi iwayo kunogona kuwedzera APR pane vamwe.
Mhedzisiro pachikwereti chikwereti
Pamwe pamwe nemari yepamusoro uye maAPR, kunonoka kana kunonoka kubhadhara kunogona kudzikisa chikwereti chako. Sezvineiwo, vanopa makadhi uye vamiririri vekuzivisa nezvechikwereti vane tsananguro dzakasiyana dzekunonoka. Nepo mukweretesi anogona kukurudzira mari uye zvimwe zvikwereti pazuva rekutanga mushure menguva yakatarwa, account yako haina kukanganisa pamberi pevashandi vechikwereti kusvika mazuva makumi matatu apfuura.
Pa-nguva kubhadhara kunoita makumi matatu kubva muzana emutengi chikwereti, saka kunonoka kubhadhara kunogona kutora chirango chakakura. Mumwe munhu ane chinyorwa chisina kuchena aigona kukwira kusvika pamapoinzi zana kubhadharwa kunonoka kamwe chete. Ivo vane mashoma stellar kiredhiti nhoroondo vanorasikirwa nemapoinzi mashoma ekuti vanonoka kubhadhara; kusavimbika kwatovakwa muzvikoro zvako.
MyFICO.com Inoisa pachena: kuwedzerwa kunonoka kubhadharwa, pamwe nemari inobhadharwa mumazuva makumi matanhatu kana makumi mapfumbamwe kana kudarika, inogona kuvhara chikwereti, sezvo inogona kupinda mukukwereta chikwereti (uko mukweretesi anotambira zvishoma pane mari yaakakwereta)
Ngano yekubhadhara zvishoma
Kiredhiti kadhi vanopa havapi mibairo yekutora kwako chikamu. Ndokunge, havazoregerere vanononoka kubhadhara nekuda kwekutumira yakaderera pane shoma mari yavakakweretwa. Mukushaikwa kwezvibvumirano zvisati zvaitika, waakakweretesa anozofunga nezve kubhadharisa zvishoma izvo zvakaenzana nekubhadharisa nguva.
Izwi rimwe chete reyambiro: akawanda kubhadhara chikamu anosangana kana kudarika mashoma uye anosvika zuva risati ratarwa achachengetedza mukurumbira wako wakanaka.
Kubvisa
Kanzura kunoitika kana mupi wekadhi akapedzisa kuti chikwereti hachigone kuunganidzwa, chinowanzoitika kana account iri mazuva zana nemakumi masere apfuura nekuda kwekuti, mwedzi mitanhatu pasina muripo mudiki. Kuderedzwa kunobvumidza mukweretesi kukumbira kubvisirwa mutero kwechikwereti chakaipa; izvi, zvisinei, hazvireve kuti uyo ane chikwereti abva pachirauro.
Anopa anogona kuenderera mberi achitsvaga chakakweretwa kuburikidza nesangano rekuunganidza, kana anogona kutengesa account nemutero wakakura; iwe, zvakadaro, ucharamba uri pachirauro chemari izere.
Kana chikwereti chako chikatengeswa, iva nechokwadi kwazvo, kana iwe uchida uye uchigona kuita gadziriro dzekubhadhara, urikutumira mari kumuridzi chaiye weakaunzi yako. Kuunganidza chitsotsi kwakawanda uye kubata kune vasingazvibatsiri vane chikwereti.
Uyezve, iwe unogona kutarisira pachikwereti chako kuwana ziso dema rinozogara kusvika kumakore manomwe. Kuderedzwa, pamwe nerekodhi rekunonoka kubhadhara, zvinoita kuti zviome kuwana mukana wechikwereti chitsva, kubva pazvikwereti zvemari kuenda kumotokari uye zvikwereti zvemunhu kumakadhi echikwereti matsva. Iwe unogona kuwana imwe chete, asi ichauya nemari yepamusoro kwazvo.
Zvakare chengetedza izvi mupfungwa: Kana iwe uchikwanisa kutaurirana kugadzirisa pasi peiyo mari yaakweretwa, unogona kuve nemhosva kune IRS yemari yakanganwirwa. Bvunza nyanzvi yekubhadhara mutero nezve ramifications.
Muchidimbu, maererano nekudzima, iwe haudi zvachose kuenda ikoko.
Vanotora chikwereti uye ma liens
Iva nekuchengeteka: Kana vachinge vawana kodzero kuchikwereti chako, masangano ekuunganidza anozokutevera. Ndozvavanoita.
Ipo ichitadziswa nemutemo kunongedza kushungurudzwa, kutyisidzirwa, kana zvirevo zvemanyepo, vamiriri vekuunganidza vacharamba vachiramba, kusvika padanho, uye vachazokubata nenzira dzinoverengeka: runhare, zvinyorwa, email, tsamba yenguva dzose, kudzamara uchitaurirana kwaari nekunyora. , kumurova kunze. Tsamba yekumira-uye-kurega yakatumirwa netsamba yakasimbiswa ndiyo nzira yakanakisa yekumisa kutaurirana.
Mushure meizvozvo, iwe ungangonzwa kubva kwavari chete kaviri: kamwe kukuudza kuti ivo vanomira kubata uye kamwe kukuudza iwe (kana gweta rako, kana uchimiririrwa mune iyi nyaya) iyo yavakamhan'ara mukuyedza kupora. Chikwereti.
Kana iwe ukatambira subpoena, chiise pakarenda yako. Kusaratidza zuva redare zvinoreva kuti iwe unorasikirwa wega.
Kana mupi wekadhi kana wekuunganidza akakunda mutongo mudare, zvichireva kuti mutongi anokuraira kuti ubhadhare, mhedzisiro yacho inozomhan'arwa kumahofisi echikwereti, zvichideredza chikwereti chako.
Kana iwe ukarairwa kubhadhara, iwe unogona kushongedza yako mubairo uye / kana kuomesa ma bank account. Pamusoro pezvo, unogona kubhadhariswa mari dzepamutemo dzinowanikwa nemupi wekadhi kana iyo yekuunganidza agency yezviito zvinodikanwa kuyedza kutora.
Disiki:
Ichi chinyorwa chine ruzivo.
Redargentina haipe mutemo wezvemutemo kana wezvemitemo, uye haina kuitirwa kutorwa sezano repamutemo.
Muoni / mushandisi weiri peji rewebhu anofanirwa kushandisa ruzivo rwuri pamusoro chete segwara, uye anofanira kugara achibata masosi ari pamusoro kana vamiriri vehurumende yemushandisi neruzivo rwepamusoro-soro panguva iyoyo, vasati vaita sarudzo.
Zvinyorwa:
Richter, W. (Mbudzi 20, 2018) Kumusoro-Njodzi Kukwira: Kiredhiti kadhi kadhi yakasvika pakakwirira kwedambudziko remari pamabhangi madiki e4,705 madiki eUS. Kununurwa kubva https://wolfstreet.com/2018/11/20/subprime-rises-credit-card-delinquencies-spike-past-financial-crisis-peak-at-smaller-banks/
Saad, L. (Chivabvu 3, 2018) Kubhadharwa kwematambudziko ekurapa, kutya mari pamudyandigere. Kununurwa kubva https://news.gallup.com/poll/233642/paying-medical-crises-retirement-lead-financial-fears.aspx?
Irby, L. (2019, Ndira 7) Pausingakwanise Kuita Yako Mashoma Kiredhiti Kadhi Kubhadhara. Kununurwa kubva https://www.thebalance.com/cant-make-minimum-credit-card-payment-961000
Fontinelle, A. (Mbudzi 21, 2018) 6 Makuru Makadhi Ekukwereta. Kununurwa kubva https://www.investopedia.com/articles/pf/07/credit-card-donts.asp
O'Shea, B. (2018, Nyamavhuvhu 7) Kunonoka kubhadhara kunokanganisa sei kiredhiti kako? Kununurwa kubva https://www.nerdwallet.com/blog/finance/late-bill-payment-reported/
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