{"id":349,"date":"2022-09-11T07:00:01","date_gmt":"2022-09-11T10:00:01","guid":{"rendered":"https:\/\/noticias-gerais.online\/?p=349"},"modified":"2023-02-21T23:33:13","modified_gmt":"2023-02-22T02:33:13","slug":"aumente-os-limites-de-credito-agora-caso-a-economia-piore-mais-tarde","status":"publish","type":"post","link":"https:\/\/noticias-gerais.online\/sk\/aumente-os-limites-de-credito-agora-caso-a-economia-piore-mais-tarde\/","title":{"rendered":"Zv\u00fd\u0161te si \u00faverov\u00e9 limity teraz, pre pr\u00edpad, \u017ee by sa ekonomika nesk\u00f4r zhor\u0161ila."},"content":{"rendered":"<p><span>Spolieha\u0165 sa na \u00faverov\u00e9 obmedzenie v nestabilnom finan\u010dnom syst\u00e9me je ako o\u010dak\u00e1va\u0165 most schopn\u00fd odola\u0165 b\u00farke a zabezpe\u010di\u0165 si pre\u017eitie.<\/span><\/p>\n<p><span>Zni\u017eovanie riz\u00edk zn\u00ed\u017een\u00edm \u00faverov\u00fdch limitov alebo uzatv\u00e1ran\u00edm dlhov u\u017e nie je v\u00fdlu\u010dne na vydavate\u013eoch bankov\u00fdch kariet, ak maj\u00fa k dispoz\u00edcii zdroje na rie\u0161enie ekonomick\u00fdch \u0165a\u017ekost\u00ed. Vydavatelia bankov\u00fdch kariet prijali tieto kroky po\u010das hlbokej recesie a za\u010diatku pand\u00e9mie COVID-19 v reakcii na da\u0148ov\u00e9 priznanie podan\u00e9 v roku 2022 s pomocou da\u0148ov\u00e9ho oddelenia kupuj\u00faceho, pravdepodobne v d\u00f4sledku \u00faprav \u00faverov\u00fdch profilov, intern\u00fdch metr\u00edk v\u00fdkonnosti \u00fa\u010dtov alebo zmien v politik\u00e1ch riadenia riz\u00edk vydavate\u013ea.<\/span><\/p>\n<p><span>Hoci je obmedzenie \u00faveru ot\u00e1zna vo\u013eba, zost\u00e1va u\u017eito\u010dn\u00fdm mostom na doplnenie alebo udr\u017eanie n\u00fadzov\u00e9ho fondu, najm\u00e4 pred potenci\u00e1lnou recesiou. Neexistuje \u017eiadna spo\u013eahliv\u00e1 met\u00f3da, ako zabr\u00e1ni\u0165 poskytovate\u013eovi v zn\u00ed\u017een\u00ed limitov \u00faverov\u00e9ho sk\u00f3re alebo v uzatvoren\u00ed dlhov, ale niektor\u00e9 kroky m\u00f4\u017eu \u010falej zn\u00ed\u017ei\u0165 vplyv na va\u0161e portf\u00f3lio a \u00faverov\u00e9 ratingy.<\/span><\/p>\n<p><span>Majte svoje kreditn\u00e9 karty otvoren\u00e9 a vzru\u0161en\u00e9.<\/span><\/p>\n<p><span>V marci a j\u00fani 2020 bolo mnoho \u00fa\u010dtov dr\u017eite\u013eov kariet, a to aj t\u00fdch s vysok\u00fdm kreditn\u00fdm ratingom, uzavret\u00fdch z d\u00f4vodu neaktivity, \u010do odr\u00e1\u017ea jedine\u010dn\u00fa situ\u00e1ciu n\u00edzkeho vyu\u017e\u00edvania CFPB po\u010das t\u00fdch ist\u00fdch 12 mesiacov. Neakt\u00edvne karty negeneruj\u00fa pre vydavate\u013ea pr\u00edjmy vo forme poplatkov, a preto predstavuj\u00fa pre poskytovate\u013ea v\u00e4\u010d\u0161ie riziko v \u0165a\u017ek\u00fdch situ\u00e1ci\u00e1ch.<\/span><\/p>\n<p><span>Oplat\u00ed sa ponecha\u0165 kreditn\u00e9 karty otvoren\u00e9 a \u010dasto \u00fa\u010dtova\u0165 poplatky za \u00famyseln\u00e9 n\u00e1kupy, aby ste vydavate\u013eom dali menej d\u00f4vodov na pr\u00edstup k v\u00e1\u0161mu \u00fa\u010dtu, ale to u\u017e nemus\u00ed sta\u010di\u0165.<\/span><\/p>\n<p><span>Pre Timothyho Barnesa, automechanika p\u00f4sobiaceho preva\u017ene v Rocky Mount v Severnej Karol\u00edne, nie je \u017eiadnym tajomstvom, \u017ee sa koncom roka 2020 zamestnal s dynamicky rast\u00facimi \u00fa\u010dtami. Neuverite\u013en\u00fd emitent zru\u0161il nieko\u013eko jeho \u00fa\u010dtov a zni\u010dil tak dostupn\u00fd \u00faver vo v\u00fd\u0161ke viac ako 17 000 USD.<\/span><\/p>\n<p><span>\u201cSk\u00f4r \u010di nesk\u00f4r som si potreboval nie\u010do k\u00fapi\u0165 online a moja kreditn\u00e1 karta bola zamietnut\u00e1,\u201d hovor\u00ed Barnes. \u201cSpomenuli, \u017ee sa z toho stala \u0161anca, ale ja som nezme\u0161kal ani jeden poplatok.\u201d<\/span><\/p>\n<p><span>Doteraz niektor\u00ed veritelia neuviedli dr\u017eite\u013eom kariet d\u00f4vody na zn\u00ed\u017eenie limitu ich kreditn\u00e9ho sk\u00f3re. V m\u00e1ji 2022 poradn\u00e9 stanovisko CFPB k z\u00e1konu o rovnak\u00fdch mo\u017enostiach kreditn\u00e9ho sk\u00f3re uviedlo, \u017ee veritelia musia predlo\u017ei\u0165 \u201cn\u00e1mietkov\u00fd n\u00e1vrh na uvedomenie si skuto\u010dnosti\u201d, v ktorom vysvetlia d\u00f4vody de\u0161trukt\u00edvnych v\u00fdberov.<\/span><\/p>\n<p><span>s\u00fahlas\u00ed so \u017eiados\u0165ou o zv\u00fd\u0161enie obmedzenia kreditn\u00e9ho sk\u00f3re<\/span><\/p>\n<p><span>Verte, \u017ee po\u017eiada\u0165 o ove\u013ea lep\u0161\u00ed kreditn\u00fd limit na be\u017ene pou\u017e\u00edvan\u00fdch kreditn\u00fdch kart\u00e1ch je mo\u017en\u00e9, ak plat\u00edte v\u010das a nikdy nepou\u017e\u00edvate viac ako 30% z v\u00e1\u0161ho dostupn\u00e9ho kreditu. Ziskovos\u0165 je \u010fal\u0161\u00edm faktorom, ktor\u00fd vydavatelia ber\u00fa do \u00favahy pri zvy\u0161ovan\u00ed kreditn\u00e9ho limitu, hovor\u00ed Derek Mazzarella, licencovan\u00fd finan\u010dn\u00fd pl\u00e1nova\u010d v Glastonbury v \u0161t\u00e1te Connecticut, ktor\u00e9ho firma spolupracuje predov\u0161etk\u00fdm s finan\u010dn\u00fdmi partnermi Gateway.<\/span><\/p>\n<p><span>\u201cAk od va\u0161ej poslednej \u017eiadosti o kreditn\u00fa kartu uplynul dlh\u00fd \u010das alebo ak ste ju dlho neaktualizovali, garantujem v\u00e1m, \u017ee v\u00e1\u0161 pr\u00edjem je skuto\u010dne aktu\u00e1lny,\u201d hovor\u00ed Mazzarella.<\/span><\/p>\n<p><span>Niektor\u00ed vydavatelia v\u00e1m umo\u017e\u0148uj\u00fa aktualizova\u0165 si pr\u00edjem prihl\u00e1sen\u00edm sa do svojho \u00fa\u010dtu a pou\u017ei\u0165 tieto n\u00e1vrhy na zv\u00fd\u0161enie kreditn\u00e9ho limitu bez toho, aby ste museli po\u017eiada\u0165. V z\u00e1vislosti od poskytovate\u013ea sa m\u00f4\u017ee pri \u017eiadosti o zv\u00fd\u0161enie kreditn\u00e9ho limitu r\u00fdchlo zn\u00ed\u017ei\u0165 kreditn\u00e9 sk\u00f3re, preto sa predt\u00fdm, ako tak urob\u00edte, op\u00fdtajte, ako to ovplyvn\u00ed v\u00e1\u0161 kreditn\u00fd rating.<\/span><\/p>\n<p><span>Jedn\u00fdm z najd\u00f4le\u017eitej\u0161\u00edch faktorov pri hodnoten\u00ed \u00faverov\u00e9ho ratingu je vyu\u017eitie alebo ko\u013eko \u00faveru m\u00e1te k dispoz\u00edcii v porovnan\u00ed s t\u00fdm, ko\u013eko ton pou\u017e\u00edvate. Zv\u00fd\u0161enie obmedzenia \u00faverov\u00e9ho sk\u00f3re m\u00f4\u017ee zv\u00fd\u0161i\u0165 dostupn\u00e9 \u00faverov\u00e9 sk\u00f3re a podpori\u0165 tvorbu rebr\u00ed\u010dka \u00faverov\u00e9ho sk\u00f3re. Opak plat\u00ed, ak spolo\u010dnos\u0165 vyd\u00e1vaj\u00faca kreditn\u00e9 karty nesk\u00f4r zn\u00ed\u017ei obmedzenie \u00faverov\u00e9ho sk\u00f3re \u2013 sk\u00f3re bude ovplyvnen\u00e9. \u00daspory spolo\u010dnosti m\u00f4\u017eu ma\u0165 tie\u017e dominov\u00fd efekt na limity in\u00fdch kreditn\u00fdch kariet.<\/span><\/p>\n<p><span>Zv\u00fd\u0161enie \u00faverov\u00fdch obmedzen\u00ed m\u00f4\u017ee zmierni\u0165 dopad bud\u00faceho zn\u00ed\u017eenia ratingu, ale neochr\u00e1ni pred zatvoren\u00edm \u00fa\u010dtu, \u010do m\u00f4\u017ee tie\u017e sp\u00f4sobi\u0165 zn\u00ed\u017eenie ratingu.<\/span><\/p>\n<p><span>\u201cMoje kreditn\u00e9 sk\u00f3re sa po tom, \u010do to urobili, dos\u0165 zmenilo, ale predt\u00fdm u\u017e bolo ve\u013emi vysok\u00e9,\u201d hovor\u00ed Barnes.<\/span><\/p>\n<p><span>Zv\u00e1\u017ete v\u00fdhody a nev\u00fdhody danej v\u00fdhody, ak ju v bl\u00edzkej bud\u00facnosti vyu\u017eijete na financovanie, aby ste ur\u010dili najspo\u013eahlivej\u0161iu trasu.<\/span><\/p>\n<p><span>Diverzifikujte svoje \u00faverov\u00e9 limity.<\/span><\/p>\n<p><span>Barnes mal odkedy sa stal u\u017eito\u010dn\u00fdm, nieko\u013eko kreditn\u00fdch kariet u jedn\u00e9ho vydavate\u013ea. Na\u0161\u0165astie mal aj n\u00fadzov\u00fd fond a nieko\u013eko \u010fal\u0161\u00edch kreditn\u00fdch kariet, ktor\u00e9 pre\u017eili ekonomick\u00fa b\u00farku v roku 2020.<\/span><\/p>\n<p><span>Prijmite to ako pravdu t\u00fdm, \u017ee si vybudujete \u010fal\u0161ie mosty pomocou otvorenia kreditnej karty v inej prev\u00e1dzke, ak ju e\u0161te nem\u00e1te. Ak je pravdepodobn\u00e9, \u017ee premrh\u00e1te, vytrvajte pri zn\u00ed\u017eenom \u00faverovom obmedzen\u00ed, aby ste v\u00fddavky kontrolovali, hovor\u00ed Mazzarella.<\/span><\/p>\n<p><span>Nov\u00e1 kreditn\u00e1 karta m\u00f4\u017ee sp\u00f4sobi\u0165 r\u00fdchle zn\u00ed\u017eenie kreditn\u00e9ho ratingu, ale zrejme nie tak v\u00fdrazne ako zn\u00ed\u017eenie kreditn\u00e9ho limitu. Pre flexibiln\u00e9 v\u00fddavky h\u013eadajte kreditn\u00fa kartu s prim\u00e1rnym \u00fa\u010delom, ktor\u00e1 je schv\u00e1len\u00e1 s pomocou v\u00e4\u010d\u0161iny predajcov.<\/span><\/p>\n<p><span>strategicky spravujte limity kreditn\u00e9ho sk\u00f3re<\/span><\/p>\n<p><span>Pou\u017e\u00edvajte svoje dostupn\u00e9 kreditn\u00e9 sk\u00f3re opatrne, aby zostalo zvl\u00e1dnute\u013en\u00e9. Ak je to mo\u017en\u00e9, udr\u017eujte svoj rozpo\u010det pod identifik\u00e1torom pomocou:<\/span><\/p>\n<ul>\n<li><span>Zodpovedn\u00e9 spravovanie existuj\u00facich kreditn\u00fdch kariet pred otvoren\u00edm novej.<\/span><\/li>\n<li><span>Odlo\u017eenie platieb bankov\u00fdmi kartami o \u0161es\u0165 mesiacov alebo viac m\u00f4\u017ee zn\u00ed\u017ei\u0165 ich vplyv na \u00faverov\u00e9 ratingy.<\/span><\/li>\n<li><span>Pou\u017eitie menej ako 30% dostupn\u00e9ho kreditn\u00e9ho sk\u00f3re.<\/span><\/li>\n<li><span>Platenie viac ako je minimum na\u010das.<\/span><\/li>\n<li><span>Ma\u0165 n\u00fadzov\u00fd fond v\u00e1m pom\u00f4\u017ee vyhn\u00fa\u0165 sa spoliehaniu sa na kreditn\u00e9 karty.<\/span><\/li>\n<li><span>Pred pridan\u00edm ve\u013ek\u00fdch n\u00e1kupov k zostatku na kreditnej karte si vytvorte pl\u00e1n na ich preplatenie.<\/span><\/li>\n<li><span>Po\u017eiadajte vydavate\u013eov kreditn\u00fdch kariet, aby zachovali d\u00f4vernos\u0165 ich kreditn\u00e9ho sk\u00f3re alebo nesplaten\u00e9ho zostatku pre pr\u00edpad, \u017ee by proti nim chceli podnikn\u00fa\u0165 kroky.<\/span><\/li>\n<\/ul>\n<p><span>Tento text bol nap\u00edsan\u00fd pomocou NerdWallet a p\u00f4vodne publikovan\u00fd agent\u00farou The Associated Press.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Contar com uma restri\u00e7\u00e3o de cr\u00e9dito em um sistema financeiro inst\u00e1vel \u00e9 o mesmo que antecipar uma ponte suscet\u00edvel a resistir a uma tempestade e lev\u00e1-lo \u00e0 sobreviv\u00eancia. N\u00e3o \u00e9 mais exclusivo para os emissores de cart\u00f5es banc\u00e1rios reduzir seus riscos por meio da diminui\u00e7\u00e3o dos limites de cr\u00e9dito ou do fechamento de d\u00edvidas quando [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-349","post","type-post","status-publish","format-standard","category-economia"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/349","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/comments?post=349"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/349\/revisions"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/media?parent=349"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/categories?post=349"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/tags?post=349"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}