Makhadi anu a kirediti kadi ndi chimodzi mwazinthu zofunika kwambiri ngati mukufuna kuchita chilichonse pangongole. Ngongole imayimira kuthekera kwanu kubweza ngongole zanu kwa obwereketsa ndikukulitsa chikhulupiriro chawo mwa inu.
Ndi nambala ya manambala atatu yomwe ikufotokoza mwachidule mbiri ya kirediti kadi yanu komanso momwe mwalipirira nthawi yoyenera. Kupambana kwapamwamba, kumakhala bwinoko!
Mabungwe ena azachuma amadaliranso mbiri yanu ya kirediti kadi kuti adziwe ngati akubwereketsa ndalama, nthawi yayitali bwanji, komanso mtengo wotani. Mmodzi ayenera kukhala ndi ngongole yoposa 670 kuti awonetsere kuti ali ndi ngongole ngati amphamvu.
Ngongole iliyonse yoposa 800 imatengedwa kuti ndi yabwino kwambiri ndipo iyenera kukhala cholinga cha ogwiritsa ntchito ma kirediti kadi ambiri.
Chifukwa chake, ndikofunikira kumangoyang'ana ngongole yanu pafupipafupi, ndichifukwa chake tikubweretserani mndandanda wazinthu zisanu ndi zitatu zabwino kwambiri zomwe zimakupatsani mwayi wowona ngongole yanu kwaulere.
1. Fit.Ndalama
Fit.Ndalama ndi pulogalamu yaulere yomwe imakuwonetsani kuchuluka kwa ngongole zanu, kuyeza thanzi lanu lonse lazachuma. Zimapanga lipoti lanu langongole mkati mwa masekondi 30 ndikukupatsirani chidule cha kuyenerera kwanu.
Zomwe muyenera kuchita ndikulowetsa nambala yanu yam'manja, gwiritsani ntchito OTP yotumizidwa kwa inu kuti mulowe, lowetsani zambiri za PAN yanu, ndikudikirira masekondi 30.
Chogulitsacho chimakupatsani mwayi wopeza osati mangongole ndi malipoti okha, komanso zinthu zina zosiyanasiyana. Imakupatsirani zosungirako zopanda malire zamakalata anu azachuma ndikukupatsirani malangizo aumwini sabata iliyonse amomwe mungakulitsire ngongole zanu.
Osati zokhazo, Fit.Credit imakupatsirani zikumbutso pamalipiro anu omwe akubwera, kuti musaphonye iliyonse yaiwo!
Zomwe zili pamwamba pa Fit.Credit -
- Pangani malipoti mkati mwa masekondi
- Imathandizira ma kirediti kadi onse
- Imapereka blog yomwe imakuuzani momwe mungakhalire ndi ngongole yabwino.
- Kumakulitsa luso lanu la zachuma
- Imakhazikitsa zikumbutso zolipira zokha
- Amapereka chidziwitso chapadera
2. Paytm
Aliyense akudziwa Paytm ndi zomwe zimachita. Ndi imodzi mwamapulogalamu apamwamba kwambiri olipira ku India omwe amakuthandizani kuyitanitsa, kulipira, ndi kulandira ndalama m'masekondi. Osati zokhazo, komanso zimakupatsani mwayi wogula zinthu, maulendo apandege, ndi matikiti amakanema, kuyika ndalama m'masheya, kutsegula akaunti yosungira, ndi zina zambiri.
Koma imodzi mwazinthu zothandiza kwambiri za Paytm ndikuti imakupatsani mwayi wowona ngongole yanu yaulere.
Kuti muwone kuchuluka kwa kirediti kadi yanu ndi Paytm, zomwe muyenera kuchita ndikusanthula nambala ya QR pa pulogalamu ya Paytm ndikudikirira kwa masekondi angapo. Mutha kulembetsanso ngongole kapena makhadi mkati mwa pulogalamuyo.
Zimakuthandizani kuti muzitha kuyang'anira zotsatira zanu pafupipafupi komanso ngakhale kusintha ziwonetsero munthawi yake. Ndi Paytm, mumalandira malipoti aulere 12 chaka chilichonse, zomwe zikutanthauza kuti lipoti mwezi uliwonse.
Zambiri za Paytm -
- Imatsata maakaunti anu ndi ngongole ndikusanthula mwatsatanetsatane
- Zimakuthandizani kuti muwongolere kuchuluka kwa kirediti kadi yanu
- Imateteza zambiri zanu
- Imakupatsirani zokonda zanu komanso zongongole zokhazokha
- Zimakuphunzitsani zonse za CIBIL yanu
- Amapereka malangizo ndi zidule kuti muwongolere zotsatira zanu
3. CRED
CRED ndi pulogalamu yaulere yomwe imakutumizirani mphotho pakulipira ngongole za kirediti kadi pa nthawi yake. Mphothozo, zomwe zimatchedwanso ndalama za CRED, zitha kugwiritsidwa ntchito kuti apambane mwapadera pazogulitsa ndi zokumana nazo zosiyanasiyana.
Osati zokhazo, komanso ndi CRED, mutha kuyang'ananso kirediti kadi yanu yaulere nthawi yomweyo. Zomwe muyenera kuchita ndikutumiza tsatanetsatane wanu, ndipo wofufuza zangongole wa CRED adzawerengera zomwe mwapeza ndikukutumizirani.
Ikukhazikitsanso zikumbutso kuti muthe kulipira nthawi yake ndipo musaphonye tsiku. Imathetsa zochitika zanu zonse nthawi yomweyo kuti musadikire kuti malipiro anu achite bwino.
Pamapeto pake, kuwunika kwa mawu kumatumizidwanso kwa inu komwe kumafotokozera mwachidule zonse zomwe mwalipira kuti zikuthandizeni kukhala ndi masomphenya omveka bwino a komwe ndalama zanu zimapita.
Zambiri za CRED -
- Zimakupangitsani kukhala wodziwa bwino zachuma ndi malangizo ndi zidule kuti mukhale ndi ngongole yabwino.
- Zimakupatsani mphamvu zokwanira pa kirediti kadi yanu
- Imateteza zambiri zanu zachuma
- Amapereka kuwunika kotengera momwe mumawonongera ndalama
- Imazindikira zolipiritsa zobisika, ngati zilipo
- Imatsata malire angongole munthawi yeniyeni
- Amakupatsirani mphotho zapadera komanso kubweza ndalama mukalipira ngongole panthawi yake
4. INDndalama
IND ndalama ndi pulogalamu yamtengo wapatali yomwe imatsata ndikuyika ndalama zanu pa zero Commission. Imayang'aniranso ndalama zanu pamangongole angapo, misonkho, mabizinesi, ndi zolipirira, zonse pansi pa denga limodzi.
Ilinso ndi chowunikira chaulere changongole chomwe chimasinthiratu zigoli zanu mwezi uliwonse. Zomwe muyenera kuchita ndikutchula zambiri zanu monga zambiri zanu, nambala yolumikizirana ndi khadi ya PAN ndikudikirira kwa mphindi zingapo mpaka lipoti lanu liperekedwe popanda mtengo.
Pulogalamuyi imakupatsaninso chiwongola dzanja cha zero ku akaunti yanu yamasheya yaku US, imapereka chiwongola dzanja chokhazikika cha 6.5%, ndikukuthandizani kukonzekera ndikukulitsa phindu lanu lamtsogolo. Ndi INDmoney, mutha kupeza mwayi wopeza ngongole ya CIBIL, ngongole ya Equifax, Experian credit score, ndi CRIF Highmark credit score.
Zambiri za INDmoney -
- Zimakuthandizani kuti muzitha kuyang'anira zandalama m'mabanja onse
- Imatsata mabizinesi anu ndi ngongole zanu
- Imakulolani kuti muyike ndalama m'masheya aku US ndi Etfs
- Pulatifomu imakuthandizaninso kusunga ndalama pa ngongole zomwe zilipo kale
- Zimakupatsirani upangiri wamunthu payekha
- INDmoney imakupezani ngongole motsutsana ndi ndalama zanu
5. Karma Yamtengo Wapatali
Karma Yamtengo Wapatali ndi nsanja yaulere yomwe imakupatsani mwayi wowonera ngongole yanu ndikukonzekera zolinga zanu zachuma bwino. Pulatifomuyi imakuphunzitsani makhadi, ngongole, ndalama, maakaunti, ngongole, ndi mitu yofananira.
Imaperekanso kubweza ndalama kwa Instant Karma pazogula zonse za kirediti kadi kudzera pa kirediti kadi ya Karma Money. Njira yothandizira ndi chinthu china chomwe chimakulumikizani ndi thandizo laulamuliro lomwe mukufuna, komanso njira zochotsera ngongole zanu.
Credit Karma imayang'anira ngongole yanu ndikukutumizirani zidziwitso zofunika komanso malipoti ofunikira. Zimakupatsiraninso zidziwitso zomwe zimakuthandizani kudziwa zomwe zimakhudza mapindu anu angongole komanso momwe mungachitire bwino. Pomaliza, zimakutumizirani malingaliro anu pakukweza ngongole zanu.
Zapamwamba za Credit Karma -
- Amapereka zidziwitso zakusintha kudzera muzolemba ndi mabulogu
- Imawongolera ndikukulitsa zolinga zanu zachuma ndikukonzekera
- Imateteza deta yanu
- 128-bit ndi kubisa kwapamwamba pachitetezo cha data
- Zimakupatsirani zambiri zamakadi osiyanasiyana a kirediti kadi
- Imapanga ziwongola dzanja zanu nthawi yomweyo
6. Ngongole
Ngongole ndi nsanja yaulere yomwe imakupatsani mwayi wowona kuchuluka kwa kirediti kadi yanu mumphindi. Zimakuthandizaninso ndi ntchito zowunikira zomwe zimakuthandizani kuti musunge bwino momwe mungathere.
Pulatifomu imapereka kuyang'anira ngongole kwa tsiku lonse ndikukudziwitsani zosintha, ngati zilipo. Mutha kupeza izi ndi malipoti mwezi uliwonse ndikutsata zomwe mwapeza ndikuchita pang'onopang'ono pakuwongolera.
Pulatifomu imakupatsiraninso zinthu zomwe zimakhudza ngongole yanu yokhala ndi chitetezo cha 256-bit. Pulogalamuyi imapezeka kwa ogwiritsa ntchito a Apple ndi Android.
Zambiri za CreditWise-
- Zimakuthandizani kumvetsetsa kuchuluka kwa ngongole yanu mozama
- Imayenderana ndi zosintha zonse pamlingo wanu
- Zimakutumizirani zidziwitso za imelo za lipoti lanu la ngongole, akaunti yachiwembu, ndi zina zambiri
- Imayang'anira zambiri zangongole
- Imatsata SSN yanu
- Imasanthula pa intaneti yakuda kuti muteteze zambiri zanu pa intaneti
7. Ngongole.com
Ngongole.com ndi pulogalamu yaulere yomwe imakuthandizani kuti mupange ngongole zanu komanso kuti mupeze ngongole yowonjezera popanda mtengo wowonjezera. Zimakupatsirani mitundu 28 yosiyanasiyana yotsimikizika ndi FICO ndi malipoti ochokera m'mabungwe onse atatu apamwamba angongole.
Maofesiwa akuphatikiza Equifax, Experian, ndi TransUnion. Malipoti onse okhala ndi Credit.com amapangidwa pamwezi.
Mutha kuwonjezeranso ma tradelines pa lipoti lanu langongole ndikuwonetsa zonse zomwe mungagwiritse ntchito ndikubwereketsa komanso Credit.com. Pulatifomu imakupatsirani chitetezo cha ID, mphotho mpaka $2500, komanso kuchotsera kokonzanso ngongole mpaka $24.99 pamwezi. Izi ndizopadera ndipo siziperekedwa ndi nsanja zambiri za ngongole zomwe zilipo!
Zambiri za Credit.com-
- Zidziwitso zakuda zapa intaneti
- Kuwunika kwa 24/7
- Pafupifupi $ 1 miliyoni ya inshuwaransi motsutsana ndi kuba ma ID
- Kutsata mfundo zosavuta zangongole
- Kuchotsera kokonza ngongole
- Malipoti a renti ndi zothandiza
8. Mawu Sesame
Mawu Sesame ndi nsanja ina yaulere yomwe imakupatsirani masukulu anu aulere angongole ndi njira zambiri zowongolera. Osati zokhazo, nsanja imakupatsirani mphotho zandalama mukapambana pakukweza ngongole zanu.
Mutha kupeza lipoti lanu laulere la kirediti kadi ndi zidziwitso zowunikira ngongole ndi Credit Sesame mkati mwa mphindi ndikuwunika momwe mumawonongera ngongole.
Amakupezaninso zinthu zangongole makamaka ndikuwonetsa momwe zinthuzo zingakuthandizireni kukwaniritsa zolinga zanu zangongole. Ndi akaunti yonse mu imodzi yomwe imakuthandizani kwambiri kukulitsa kuchuluka kwa ngongole zanu.
Zapamwamba za Credit Sesame -
- Amapereka woyang'anira ngongole
- Imakupatsirani zida zowonjezera luso lanu lazachuma
- Lowani mosavuta komanso mwachangu
- Amapereka chitetezo chaulere chakuba, kuyang'anira ngongole, zigoli, ndi lipoti
- Imakupatsirani maupangiri ndi maupangiri amomwe mungakulitsire ngongole zanu
- Amapereka mphotho zandalama zokongoletsedwa ndi ngongole
Kutsiliza
Makhadi a kirediti kadi ndi ofunikira kwambiri ngati mukufuna kukhalabe oyenera kubweza ngongole pamsika pakutenga ngongole pakafunika.
Mukakweza magole anu, mbiri yabwino yomwe mumakhala nayo pamaso pa obwereketsa. Ichi ndichifukwa chake ndikofunikira kuti nthawi zonse muyang'ane kuchuluka kwa kirediti kadi yanu ndikuwonetsa kuti mumvetsetse komwe mungawongolere.
Mapulatifomuwa amapereka mayankho ambiri momwe mungalimbikitsire nthawi zonse kukonza zabwino zanu, ndipo gawo labwino kwambiri la izi ndikuti ndi laulere.
Ymumapeza zidziwitso zonse ndi maphunziro omwe mungafune ndikudina pang'ono osabweza chilichonse. Kuti mupeze zotsatira zabwino, yambani kuyang'anira kuchuluka kwa ngongole yanu lero ndikutenga nambala ya manambala atatu kuti ifike patali kwambiri!
Siyani Mumakonda