Nzira yekuchengetedza ma Miles nePfungwa dzako mushure mekuvhara kadhi yemari yekwereti

Iwe unogona kurasikirwa nepfungwa dzakabatanidzwa zvakananga nekadhi rakabudisa paunopfiga aunti.

Mushure memakore kana maviri ekuunganidza mairaira uye mapikicha, unogona kuedzwa kuti utange "churning" makadhi okukwereta - kuvhara nekugadzirisazve maakaunti kuti uwane bhonasi yechipiri, yechitatu kana yechina yekupona mushure mushure mekunge uchingoshandisa zvishoma zvishoma zvinoshandiswa. Dzimwe mabhengi haazokubvumi kuti muwane bhonasi itsva mukati memakore mashomanana ekuvhara kero yakafanana, nepo vamwe vari kunyanya kuda kupa zviuru zvemashoko mukutsinhana imwe pfumo pakuchengeta iwe semutengi.

Chero nzira, iwe unowanzodikanwa kuvhara akaunti yako usati watanga imwe itsva.

Hatisi kuzopinda mumatambudziko ekunyora, asi basa iri rinouya pamwe chete nezvimwe ngozi. Chinhu chikuru chisingafungi ndechokuti kupfigira konti yako (kunyange kana uchironga kuizarura kwenguva pfupi gare gare) kunogona kuita kuti iwe urasikirwe nematambudziko ako akawana, zvichienderana nerudzi rwemaripo yawakakwanisa kukonzera .

Kazhinji, nhoroondo dzinodhonza makiromita kuenda purogiramu inowanzopota yepamapurisa inotungamirirwa neine ndege kana imwe nhaurirano neketani yehotera (uye kwete bhangi) inenge yakasarudzwa kubva kune kadhi rako rechikwereti. Saka kana ukavhara kadhi, makiromita ako neine ndege inoramba iri munhoroondo iyoyo nokusingaperi. Mamwe makadhi anowedzera nguva yako yekupera kwemazuva ose chero bedzi iwe uchichengetedza kashanditi yekadhi yemakadhi echikwereti, saka icho chinhu chaunofunga, asi kazhinji, bhangi haigoni kubata maira mumafaira ako kakawanda, saka avo ndevako kuchengetedza kunyange pashure iwe unovhara kadhi rakabatana.

Pfungwa dzakabatanidzwa zvakananga nebhangi inhau yakasiyana zvachose, zvisinei. Nhoroondo neAmerican Membership Makomborero, Chase's Makomborero Akakosha uye Citi's Waive iwe unogara uri chivako chechirongwa chekadhi yemakadhi. Paunopfiga mutsara wechikwereti unobatanidzwa kune imwe yezvikwereti zvikwereti, pfungwa dzako dzichapera, uchifunga kuti ndiyo chete kadhi rechikwereti iwe wakabatana nemari iyo yemubairo.

Imwe nzira yekuchengetedza pfungwa idzodzo ndeyokuzarura nhoroondo itsva yakagadzirirwa kuisa pfungwa munhoroondo yako iripo. Kana iwe uine American Express Gold kadi uye neDayadhi yeDaDay yakagoverwa kune imwe yeAprience Mipiro yeAkaunti, somuenzaniso, unogona kuvhara imwe yemakadhi pasina kungozi yekurasa pfungwa dzako. Kana iwe ukavhara mitsetse miviri yechikwereti panguva imwe chete, zvakadaro, kana iwe uine kadhi rimwe chete rakabatanidzwa neApril Rewards Makomborero, iwe ucharasikirwa nhauri yako yakasara.

Chinhu chakanaka chekuita ndechokuti mureza webhangi ajekese kana iwe usingakwanise kuchengeta pfungwa dzako mushure mekuvhara kadhi rakabatana. Nzira dzezvematongerwo enyika dzinoshanduka kubva panguva nenguva uye mumiririri wevashandi vanogona kuwana ruzivo rwezvino. Vangagona kutamisa pfungwa kubva kune imwe nhoroondo kuenda kune imwe, kana kuita mazano pamusoro pekuchengetedza maranho ako.

Kana zvakajeka kuti iwe ucharasikirwa nharo dzako asi iwe uchiri kuvhara kadhi, tumira pfungwa dzako kune purogiramu yevamwe, yakadai sedhizinesi rekuendesa ndege kana hotera yehotera. Kazhinji, zvakanakisisa kuchengeta pfungwa dzako nepurogiramu yemakadhi echikwereti kuitira kuti uwedzere kuchinja, asi kana iwe uri kuda kurasikirwa navo, unofanirwa kuchengetedza zvimwe zvekukosha kwavo nekuvatamisa kune mumwe wako.

Iwe uchada kuchengetedza kadhi yemubairo yakazaruka kusvikira kutengeswa kwapera, zvisinei, saka usava nebhangi rako ravhara kadhi yako kusvikira mapeji ataratidza munyaya yevadzidzi.