Mazano anobatsira pakukakavadzana uye zvinogona kuchinja kushata kwekadhi kadhi rechikwereti
Paunenge uchifamba, chinhu chekupedzisira kune munhu anoda kufungisisa pamusoro pekukweretesa pane kadhi rechikwereti. Kunyanya kuipa, hapana munhu anoda kufunga pfungwa yekuva nekadhi kadhi rechikwereti yabiwa kune imwe nyika. Kushandisa kadhi rechikwereti panguva yekufamba kwako kunogona kuva nzira iri nyore uye yakanakisisa yekubhadhara, asi inogona kuuya nenjodzi dzakawanda zvakare.
Mitemo yepasi rose yakavakwa kune avo vanozviwana vasarudza purasitiki pamapepanhau panguva yekutengeswa pasi pose.
Idziviriro idzi dziri munzvimbo ine chikonzero chakanaka: Maererano neDhipatimendi reRuramisiro, 7% yevanhu vane makore makumi matanhatu nemazana ekure vakange vari vashandi vekuzivikanwa kwekuzivikanwa muna 2012. Vazhinji vezviitiko izvi vakabatanidzwa vachishandisa chikwereti chekwereti kana mabhangi ekubvisa mhosva chiremera.
Zvisinei, iyo haisi yega inetso yevatasvi vakatarisana pavanoshandisa makadhi avo. Mune zvimwe zviitiko, vashandi vekadhi rechikwereti vanogona kutongerwa kutengesa zvisati zvambowanikwa, kana mutengesi wenyu angave akanganisa zvakanyanya kadi yako. Muzviitiko zvose izvi, kupikisa kadhi rechikwereti kunogona kukuponesa kubva pakusiiwa nebhadharo guru iwe waisareva kuti uchatengesa.
The Fair Credit Billing Act newe
MuUnited States, Fair Credit Billing Act (FCBA) inogadza mitemo yemakadhi okubhadhara chikwereti uye kukakavara pamakadhi ako ekwereti. Kuburikidza nemitemo iyi, kune mamiriyoni emamiriro ezvinhu apo iwe haungapomerwi mhosva dzakaipa kune kadhi rako rechikwereti.
Izvi zvinosanganisira:
- Zvisina mvumo kana zvinyengeri,
- Mhosva dzinotara zuva risina kunaka kana kuti mari, kana
- Mhosva yezvigadzirwa kana maitirwo asina kumbobvumirwa kana kugamuchirwa
Kana iwe ukawana kuti kadhi rako rechikwereti rinopomerwa mhosva, kana kuti nhamba yako yekadhi yemakadhi yakabiwa uye inoshandiswa, une kodzero yekupikisa zvikwereti nekwereti yemakadhi ako.
Nzira yekuzivisa kana kadhi yako iri kushandiswa pairi kufamba
Paunenge uchifamba, kudzidza chirevo chako chekadhi rechikwereti hakusi iwe unonyanya kukoshesa. Nekombiyuta yemagetsi, iwe haufaniri kutora kaviri kutarisa zvese zvinopera pamagumo ezuva. Kune nzira mbiri dzakapfavhwa munhu wese anofamba achigona kuramba ari pamusoro pekushandisa kadhi ravo rechikwereti paaifamba.
- Nzwisisa mutemo wako wekutambira kadhi rechikwereti
Mazhinji makadhi emakwereti, pasinei nokuti haasi kushandiswa pakufamba, inoda chiziviso chakanaka apo iwe unotarisira kuvashandisa kunze kwekumba kwako. Nokupa kadi yako kubhadhara mabhizinesi ekufamba mazano ako (kana zvichidikanwa), unogona kubatsira kuve nechokwadi kuti kadi yako inoshandiswa chete munyika yaunenge uri. - Shandisa smartphone apps uye shandisa kushandiswa kwezvinhu
Uyezve, vazhinji vane kadhi rechikwereti vanopa zvikumbiro izvo zvisingakubvumiri kuti uongorore kushandiswa kwese kupi zvako uri munyika, asiwo kugamuchira zvinyorwa zvekushandura kana kusinganzwisisi mari. Kana iwe uchiziva kuti mari yako ichave iri pasi pechimwe chikumbaridzo iwe uchifamba, shandisa kadhi rako rekadhi rechikwereti nekugadzirisa kushandiswa kwemashandiso. Izvi zvinogona kukubatsira kuti uone kusiyanisa isati yava dambudziko guru. Cherechedza kuti izvi zvishandise zvinogona kushandisa dhepfenyuro kune dzimwe nyika, zvichiita kuti zvingave zvakakosha foni zvikwereti zvekufambisa kwedzimwe nyika.
Pasinei nekuronga kwako kwakanakisisa, iwe unogona kunge uchinge wakabatanidzwa nechinopesana mumhosva, kana nekupomerwa kwekodhi yako . Kana zviitiko izvi zvichiitika, inguva yekuisa kadhi rekubhadhara kadhi rechikwereti.
Chii chaunofanira kuita kana ukacherechedza kusawirirana
Nokukurumidza iwe unoona kusagadzikana mubhadharo rako rekadhi rechikwereti, nokukurumidza iwe unogona kukonzera kukakavara kwebhadha nekambani yako yekadhi yemakadhi. Bhuku rinonzi Consumer Financial Protection Bureau rakarondedzera iyi sekunyunyuta kunowanzoitika: 15% yezvikwangwani zvose zvakaiswa pakati paJuly 2011 uye March 2013 zvakakavhiringidza kubhadhara. Hezvino ndiyo nzira yaunotanga nayo nekutumira rondedzero yekukakavadzana mushumo:
- Dzokorora mutemo usingabvumirwi
Kana uchangobva kuona chibharo chisina kubvumirwa pane kadhi rako rechikwereti, tanga kutanga kutora nharo yekubhadhara nekadhi kadhi rechikwereti. Izvi zvinogona kuitwa kakawanda nefonhare, uye pane dzimwe nguva zvinogona kutangwa pamusoro pe-e-mail. Nokutanga matanho ekutanga, unogona kuva pedyo nekugadzirisa nyaya yacho, kana kubvisa mutoro zvachose.
- Tevera ne tsamba yekunyunyuta
Maererano ne FCBA, une mazuva makumi matanhatu kuti upe mhirizhonga yekubhadhara nebhadhiro rako rekubhadhara kadhi. Kana kukakavadzana kwako kusagadziriswa mukati memwedzi, pfuurira kutevera nemutsamba kubhengi rako tsanangudzo yekupikisa kwako kubhadhara, uye nei uri kuitirana nharo. Munguva ino, iwe haungatomanikidzi kubhadhara mari yakakakavadzana, asi iwe unofanirwa kubhadhara kune mamwe ose akangodaro uye akaenderera mberi pamakadhi ako. - Isa chikumbiro kune Consumer Financial Protection Bureau
Kana chiitiko chako chekubhadhara chisina kubviswa munguva yakafanira, tarisa kufungira kunyunyuta neBudget Consumer Finance Bureau. Iri sangano rehurumende rekucherechedza rakagadziriswa mushure mekuderera, kuitira kuti vabatsire vatengi mumamiriro ezvinhu akadai. ICFPB inokwanisa kukwanisa kugadzirisa mamiriro ako kana zvimwe zvose zvingasakundikana.
Nokugara mberi kwekadhi rako rechikwereti, kuchinzwisisa kodzero dzako kana zvasvika pakushandisa paunofamba, nekuzvidzivirira kubva kune mhosva dzakaipa, iwe unogona kuve nechokwadi kuti rwendo rwako kuenda kuparadhiso haruna kuparadzwa. Nezvi mazano, unogona kuramba wakangwarira - uye wakachengetedzwa - kupi zvako kwaunoenda.