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Credit Card Thupitzia: Theih tul mi tete
US um tikah Credit Card neih lo theih lo vek asi tikah thu lotheihlo in theih tulmi tete malte vun tarlang sehla:
1) Credit Card neih tengteng a tul maw?
Tul. In le lo nei hrih lo, le hmailam ah loan thawn motor, inn le sumdawnnak hrangah loan la duh ding pawl hrang ahcun, credit history/score, tuah thatnak ding hrangah a tul. Cun, pawimawh cakkhai hrang khalah, a biktain khualtlawng veivak theu hrang ahcun neih tha zet asi fawn.
2) Credit Score timi cu ziang asi?
Credit score timi cu mimal pakhat cio sumpai hmandan thuanthu khaikhawm in mimal pakhat cu sumpai lam thu ah ziangtluk rintlak asi timi mimal tehfung vek asi. Credit card neih dah lo cun Credit Score khal neih thei lo tluk asi. Credit score a that lo, lole a sia asile motor, inn tivek lei duh tikah siseh loan lak duh tikah siseh company pawlin sum an cawih duh/thei lo. Credit score a sia asile motor le in tivek lei tikah siseh company in loan an pek hman ah interest sangpi in an pek theu ruangah sumpai tampi interest ah pek a tul theu.
3) Credit Score cu ziang pawlin a tisia in a titha thei?
Credit bureau pathum, Equifax, Experian, le TransUnion, company tumpi pathum in US ramsung um mimal sumpai hmandan thuanthu pawl an rak khum theh ih mimal pakhat in sumpai ziangzat leiba a nei, a leiba pawl tikcu hmanten a pe maw pe lo, sumpai lamah hminsiatnak a nei maw nei lo timi pawl par ah thum aw in mimal pakhat cio ih credit score an rak tuak sak mi asi. Curuangah mimal zovek khalin motor/inn tivek a leizik tikah sumpai hmandan thuanthu pawl cu himi credit bureau pathum hnen ihsin an hliakhlai hmasa theu.
4) Credit Score tuah tha dingin ziangvek pawl a thu pi?
i) Leiba hmanten pek a tul. US ah leiba sete khal hmanten, a malbik pek ding zattal, hman ten pek ringring a tul. Leiba a tam tuk tik khalah crdit score a ti niam thei fawn. Leiba pek lo mi pawlin credit score a se ter. Lailam bangin “Leiba le saihlum nget thei hlah” ti men theih asilo.
ii) Overdraft, over limit in sum hmang lo ding.
Bank account neih mi siseh credit card neihmi siseh creditline (hman theizat) an tuah mi lenglam sumpai hman asile sumpai lamah mi rin-um lo ah ruat asi ih credit score a siatsuah thei.
5) Credit card tampi neih a tha maw?
Credit card tampi neih ruangah sual asilo nan phan ding a um. Identity theft vek a tam tuk tikah mai hman lo ding mi credit card account tampi neih cu thathnemnak zianghman a um lo hlei ah mah le mah midang ih siatsuah theih dinhmun (vulnerable) ah ret awk vek asi. Cun, credit card tampi nei ih phit (close) leuh leuh siseh a dang thar on leuhleuh khal atha lo. Credit history inquiry a tam tikah credit scores a niam ter thei lala fawn.
Mimal credit history hi a lakin kimtin voikhat company pathum, Equifax, Experian, le
TransUnion hnen ihsin www.annualcreditreport.com ah zoh theih asi. Mai credit history pawl hi kumtin voikhat tal cu zoh theu a tha. Credit card hmandan thu thawn pehpar aw in harsatnak a nei mi siseh thu hla zingzawi duh siseh nan um asile ka lo bawm thei dingin nan ruat asi ahcun ziang tik lai khalah contact theih ringring ka si.
Lungawi.
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