US UMMI NIH CUN THEIH AHARH TAKTAK MI A SI CREDIT CARD KONG

Credit Card Kongah: US ummi nihcun, hi kong hi, theih herh ngaimi asi caah zeimawzat cu ka zohhlat ve. Mah kong hi, ka siaherh pah i, ka vun ttialnak asi. Tam nawn te ttial ding ka ngei nain ka duhmi zawn te lawng, a tawinak tein ka vun ttial lai.Mi cheukhat cu credit card chungah phaisa a um poah ahcun fawizaang ngai in kan hman ttheo.

Kanmah phaisa hman in, kan hman salam ko. Mi cheukhat cu credit score a tthatnak caah ti-in, heh tiah credit card in thil cawk kha kan uar/kan hmang. Credit card pathum/pali hna kan i tleih. Si, credit score tthat cu, a ttha, zapi/zaraan kan ca hrim ahcun a herh ngaimi asi. Thil dangdang a ba in, va tuah chinnak dingah le, innhlaan/cawknak le zeimaw zeimaw tibantuk ah a herhnak um ngai ve.

Asinain, hihi ruahchih a hau ngaimi um. Lai holh in simple tein chim ahcun, credit card cu, mi phaisa hei hman chung ii, hei cham tthan khi si ko.Credit card hmannak kongah, ka chungkhat le hawikom pawl sin ah, ka chim ttheo mi cu: thla khat chung na hmanmi credit card kha, thla khat chungah cham tthan (paid off) tuah khawh lo ding tiangin, na hman ahcun cucu nangmah le nangmah kha creditors pawl (credit card company/bank pawl) rap-hri ah duhsah tein nai fawih asi ko.

Hi hna pawl chiahmi rap-hri nih faak tuk in an reh cang hnu ahcun, mah le mah hri vun i phoih tthan kha a fawi lai lo, tiah ka chimh tawn hna. Kan nupa in, credit card pakhat lawng kan hmang. Kan nu nih, debit card ai tleih; kei nih credit card kha kai tleih. Credit card pakhat lawng kan i tleih nain, credit bureau ngan pathum asimi (Experian, Equifax & TransUnion), pakhat khat poah ah kumkhat voikhat cu, ka check tawn ii, kan credit score a ttha ngai peng.

US ka phakka hrawng siseh, tu hrawng zong ah asi ko. Laimi hi, credit card tam nawn i tleih le credit card hman kha, thil theih satsai loin ai forhmi kan um ngai hna. Kei ka policy cu, hihi asi. Credit Card in thil ka cawkmi kha, cash in ka cawkmi bantukin ka ruah. Cash in thil ka cawk khawh lo ding asi ahcun, credit card zong in thil ka caw lo, kai sum.

Thla khat chung kan hmanmi credit card phaisa kha, thla khat chungah ka cham tthan (paid off) khawh lo ding tiang, thil kan caw lo. US ah kum hra hrawng ka um cang nain, Bawipa thawngin credit card leiba fangkhat hmanh kan ngei bal hraw lo. Credit: Salai Van D Ceu