Tomo credit card Some offer A good annual percentage rate (APR) on a credit card is around 10 percent, says TheStreet. Chat with our AI financial assistant on any financial and credit-related questions. Instead, they will look at your bank accounts and based on your savings, earnings and spending habits, they will either approve or decline your application. So even if you’re just starting out and don’t have a credit score yet—you still have good approval odds. Categories. Tomo ofrece una tarjeta de crédito para personas con historial crediticio bajo o inexistente, emitida en la red Mastercard. Track Your Bills and Bank Accounts. Discover credit cards are accepted at numerous banks acro Credit card companies are known for the sign-up deals they offer consumers. , as well as with millions more merchants across 210+ countries and territories worldwide. I would know. Nov 27, 2024 · With the Tomo Credit Card, users can build or improve their credit in a modern and straightforward way, without the typical barriers associated with traditional cards. Terms apply. Can I get a Tomo card if I have no credit score? Can I re-apply for a card if I was denied? Pending Application December 01, 2022 21:11 ; Updated What is Tomo card? Nov 26, 2019 · For each person that is approved for a card, you both receive 1% in cashback rewards. You start by linking your bank accounts to get a spending limit, earn 1% back on purchases, and your monthly payments report to the credit bureaus. That means you can use the Tomo Credit Card at 10. After that, click on the button that says Register and Acti Are you planning a trip but don’t have a credit card? Don’t worry, booking a hotel without a credit card is still possible. This business is NOT BBB Accredited. Feb 13, 2025 · The Tomo Credit Card is designed to help users build or improve their credit without interest charges. We are dedicated to building the smartest card that does not require a credit score for approval. This makes it an ideal choice for individuals who are looking for an accessible, transparent, and fee-free way to start their credit journey. Have Questions? View our FAQs Application Help Here at Tomo, we know you are worth more than just a credit score. You can also call our Support number at (866)-432-7695 and mark it as lost! Nov 4, 2023 · Credit Requirements: Unlike traditional credit cards that heavily rely on credit scores and history, Tomo Credit Card takes into account alternative data points to assess creditworthiness. From its standout customer service to its wide array of competitive card rates a Typically, a person can use a credit card immediately after activating it; however, many cards actually allow a consumer to use a card prior to activation as of 2015, according to Mileage reward credit cards help you save money and earn discounts on future travel simply by earning rewards for the things you spend your money on. Tomo is a charge card that helps you build your credit score without a credit history or score. 🌟 Get Started Today! Gain an in-depth understanding of creditand much more. Many of our cards offer rewards that can be redeemed for cash back or travel-related perks. I have dozens of emails going back and forth begging them to cancel the monthly fee. Discover credit card acceptance varies internationally, but merchants in many countries, partic A ghost credit card is a credit card number assigned to a business department available for use by multiple employees. Tomo Credit Card redefines credit with a user-centric approach. Plus, with Credit Journey you can get a free credit score! Gain an in-depth understanding of creditand much more. Tomo won't do a hard pull on your credit but will do a soft pull. How to Apply for Tomo Credit Card Step 1: Visit the Tomo Credit Card Website. 7 million merchant locations in the U. If approved, Tomo will send you the card within seven to 10 business days. TomoCredit offers a black card that does not require a credit score, but uses individualized assessments and financial history. This type of credit card is backed More than 90 percent of merchants in the United States accept Discover credit cards. Not entirely accurate. Tomo Credit Card Requires No Credit Checks The Tomo Mastercard is a no annual fee credit card that does not perform any credit checks when you apply for their card. If your card does not show up by then, please get in touch with our Customer Support. Credit bureaus, also known as credit reporting agencies (CRAs), collect and provide information about your credit history to lenders, creditors, and other parties Jan 26, 2024 · Yes, you can use the Tomo Credit Card anywhere that accepts cards on the Mastercard network. You can also enroll in automat How to Do a Credit Card Balance Transfer To do a balance transfer, a customer agrees to let one credit card company pay off the debt the customer has accrued at another credit card When you’re looking for new secured credit cards, it’s always important to make wise financial choices. Customer Review Rating. The first significant drawback to credit cards is the credit check requirement. While these deals can be enticing, make sure you read the fine print. Priority support. Here are some answers that may help resolve your question about the Tomo CARD. Some credit cards offer annual percentage rates that are even lower than this. Repaying that debt can become even more burdensome when you carry a balance on multiple credit cards, with different mo Getting a credit card is a fairly straightforward process that requires you to submit an application for a card and receive an approval or denial. Reply reply We require at least 12 weeks of on time payment history before you're eligible to request an increase. AI financial assistant. Oct 14, 2024 · The Tomo Credit Card is a great choice for people struggling to gain mainstream credit card approval. There’s also no hard credit check when you apply. in this video I’ll be diving deep into the no-credit-check Tomo Credit Card and give you the full picture of why you might want to tread lightly around this If you fall into the group of people who want to build a good financial history and boost their credit score, don’t worry! The Tomo credit card will fit right in. See if you are eligible today. Can I get a Tomo card if I have no credit score? Can I re-apply for a card if I was denied? December 01, 2022 21:02; Updated; As of right now you can not apply Your transactions are consolidated from the first to last day of each Autopay period and payments will automatically be deducted from your bank account to cover the full current balance. You will be unable to use your TomoCredit Card for any cash advances, or withdrawals from ATMs. Jul 21, 2022 · The TomoCredit card requires no credit check, no deposit, 0% APR and no fees. Email. A subreddit for discussing credit cards. Top Finance November 12, 2024; 3 minute read; No comments TomoCredit's smart payments help you make payments on time, every time. Your credit reporting will continue as usual. Activate your card from the TomoCredit app or your web dashboard. I applied for a Tomo credit card I got approved for $250 my credit is not great I have a bunch of medical bills from the last two years with COVID. Sustained on-time payments and low credit Social Media Content Creator - Internship. Submit a request; Submit a request We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on your report and much more. Skip to main content. Instead of relying on a credit score, the Tomo Credit Card evaluates your banking history, providing an inclusive way to establish Of course! To apply for TomoCredit all you need is a valid SSN or ITIN and a government issued ID. They take out your balance weekly. When you apply for a regular credit card, you often have to have a good credit score or at least a credit score over a certain limit. In some cases, that’s not such bad advice. Your TomoCredit Card is a weekly charge card with the balance due in full each week. To sustain a card that doesn’t require a credit score or a deposit, we use alternative data sources, such as information from your bank account, to process your application. Enter your registered email address. The fintech company is a new entrant in the credit card industry with a 2018 launch. In this guide, we’ll explore alternative methods for res Are you looking to make a big purchase but not sure which credit card to go for? To ensure a sustainable debt amount, you need to identify a credit card that offers you the lowest Capital One is a well-known financial services company that offers credit cards, banking and loans. Thinking of getti You can view your credit card balance online on the card issuer’s website, on phone or email through a text message, or on an automated teller machine, according to Investopedia. If you were just approved, you will automatically be receiving a Black Card. Location: San Francisco, CA Department: Marketing + View details Nov 20, 2023 · Tomo Credit Card Login. There are even certain situations where a Some people believe that you should avoid getting a credit card as they generate debt. The Valero New Card is designed to offer customers more benefits and Financial freedom is a blessing and obtaining a credit card can be a great first step towards it. The card sets itself apart by not doing a credit check when you apply. Other than that, I think Tomo is wonderful credit card company to apply for. Many people are unaware of the fees or Credit cards used to just offer flexibility when you needed to pay for something before payday but now they can be used as a reward card offering cash back or air miles every time The issue number of a credit card is an additional set of numbers found at the end of the account number, and is used to allow for changes that may be needed if the card is lost or While some experienced borrowers worry about how many credit cards, others have different priorities. 🌟 Get Started Today! What is Tomo card? Will applying affect my credit score? What type of card is Tomo? How do I activate my card? Why should I use Tomo instead of my debit card? Where can I use my card? See all 23 articles Application Questions. Trusted by 4 million+ people monitoring credit with Tomo. Creating a credit history opens the doors to a financial legacy full of opportunit With a credit card, consumers can borrow money to make purchases. You can apply to Tomo without a credit score or prior credit history. This convenience can come at a price. TomoBoost: A service that connects users' bill payments to report on-time payments to credit bureaus, targeting major credit-score factors to help improve credit Tomo offers credit cards that help users build credit and get high credit lines. citizen, can I still sign up? Can I get a Tomo card if I 4 days ago · The information related to the Tomo Credit Card, Petal ® 2 Cash Back, No Fees Visa ® Credit Card and Discover it ® Secured Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Let’s get started. Remember Me Forgot Password? Login → Nov 30, 2022 · Jaclyn is a CNET Money editor who relishes the sweet spot between numbers and words. When looking for a credit card for travel, it’s important to determine which benefits are right for you. You’re comfortable with automatic weekly payments Credit building loan. Success! Check your email When you apply for a Tomo Credit card, Plaid will connect the automated underwriting system to most major checking accounts, including business accounts. 00 for the same thing other credit reporting sites do. Prepaid Credit Cards. We do not offer monthly, or bi-weekly payment options. Read the instructions carefully and on Feb 18, 2024 · Tomo has stopped issued new cards and instead directs users to TomoBoost, which claims that for monthly fees of as much as $199, the company will report a credit line of up to $30,000 and “backdate” a user’s credit history by up to 24 months. Mar 5, 2024 · Yes, you can use the Tomo Credit Card anywhere that accepts cards on the Mastercard network. Pending Application; I'm getting an error! I’m not a U. It just needs to specify that it would run a soft credit check instead of no credit check. Feb 14, 2024 · Yes, you can use the Tomo Credit Card anywhere that accepts cards on the Mastercard network. Paying your bills on time is a major factor in building your credit score, which directly impacts your ability to get an apartment, car, home, or business loan. Tomo is not the only option for accessing cards without a Our cardholders can use their cards online and with millions of merchants across 200 countries where MasterCard is accepted. Nov 12, 2024 · The Tomo Credit Card doesn’t rely on credit history, instead assessing income and spending habits. I've attempted to cancel the monthly fee for months and they continue to charge my credit card. It makes its money only off of New Business Credit Card. As you use the card responsibly—such as paying on time—you'll steadily build a stronger credit history. The Card Application Questions Bank Linking Your card will automatically lock until your balance is paid in full. However, without one you will be missing out as they offer protection when buying items onlin Pentagon Federal Credit Union — known to most simply as PenFed — is a popular credit union in Virginia that offers the common services that most banks and credit unions offer their While the world of credit cards appears simple on the surface, it’s surprisingly complex. Not once did they help in building my credit like they claim "Watch your Credit Grow" I consulted with a lawyer and he informed me that the major credit bureaus have cut Tomo off. Submit a request Sign in . To avoid service interruptions or potential negative credit reporting make sure your default payment method always has a sufficient balance each Autopay Period. You can dispute a transaction by clicking the transaction for further details and then clicking “dispute” in the bottom left. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. Is Tomo Credit Card right for you? These reviews can help you decide. This method requires yo While experienced borrowers may wonder how many credit cards to have, those who are newer to credit cards or prefer to focus on just one card might have other credit questions on t In the market for a new credit card? Now there are plenty of choices when it comes to the best credit cards for rewards, especially regarding cashback offerings. Feb 6, 2025 · The best no-credit-check credit card with no deposit is the Tomo Credit Card, which uses a proprietary method to determine eligibility instead of your credit history. Tomo is a relatively new startup, and its customers are reporting issues Feb 18, 2022 · On average, she reports that customers see a 100-point credit score increase within 6 months of using Tomo as their primary credit card. With so many options, it can be easy to find a card that matches your lifestyle. While the card doesn’t disclose a specific credit score requirement, it’s a good choice for anyone who wants to build credit or improve their credit score. TomoCredit. The averag Did you know that about 40% of credit cards waive foreign transaction fees, while 68% don’t charge an annual fee? Don’t worry if you didn’t. Visit the official website for Tomo Credit Card login. Password. Instead of relying on credit scores, it uses an algorithmic approach to determine whether Take Control of Your Credit and Cash Flow with Tomo. May 29, 2024 · One of just a handful of credit cards available to those with limited or no credit history, the Tomo Credit Card *, which is issued on the Mastercard network, uses banking and other financial Tomo is a credit card that helps you build your credit score and access cash advances. This article brings to your knowledge the best credit cards currently available for a frequent Activate a TJX Rewards credit card by first clicking Activate My Card on the TJX Rewards portion of ReviewMyAccount. Check out these top mileage re Credit card debt is easy to get into and hard to get out of. Remember Me Forgot Password? Login → Trusted by 4 million+ people monitoring credit with Tomo. Search Member Help Center. That’s why we created a solution to tackle the flaws of the everyday credit card. Tomo Credit is an ABSOLUTE SCAM AND A… Tomo Credit is an ABSOLUTE SCAM AND A FRAUD COMPANY. Follow our simple steps below for a seamless Tomo experience. Go to the official Tomo Credit Card website. Credit card reward When people go shopping for a new credit card, they want to make a decision based on what their particular needs are. com. . Credit reporting companies, also known as credit bureaus or consumer reporting agencies, collect and store financial data submitted by creditors, such as lenders, credit card companies, and other financial entities. It doesn't require a credit check for approval, has a $0 annual fee, and provides World Elite Mastercard benefits such as cell phone protection. Remember Me Forgot Password? Login → Whether you are looking to apply for a new credit card or are just starting out, there are a few things to know beforehand. Fortunately, you can stay ahead of the curve by increasing your credit card knowledge. Y As of 2014, Kmart does not have a branded credit card, but a credit card from Sears, an affiliated company, can be used as a form of payment when shopping at Kmart. They also claimed that I will have access to a line of credit. The result of an application is m In August 2019, Apple announced that it would launch its credit card, the Apple Card. Email: Feel free to email us any time! help@tomocredit. Location: TomoCredit Inc PO BOX 194807 San Francisco, CA 94119. Sep 19, 2023 · Extra Debit Card. It might come as a notice in the mail or as an email that’s trying to entice you to finish t. Tomo cancelled their credit card processing, they are only working with Tomo Boost now which is basically a credit karma website that charges $9. The fintech offers cardholders credit limits up to $30,000 based on their cash flow. You also want to have the right mix of credit accounts, including The Apple Card credit card was introduced in August 2019. You can build your credit score, customize your spending power, and enjoy no APR and expedited auto-pay. Boost Your Credit Score and Expand Your Opportunities. This form is also attached here. The card will be frozen until the balance in the previous cycle has been paid in full ; get started Most people have more than one credit report. Monitor your real-time spending to maintain and improve the health of your personal finance. This makes it ideal for recent immigrants, international students, and those new to credit, offering a pathway to build a positive credit profile. However, you can purchase Chico’s gift cards that allow you to buy any product at th In today’s digital age, credit card apps have become an essential tool for managing your finances. We use third-party service providers, such as Finicity (a Mastercard company), to link your bank account. Feb 22, 2024 · Tomo’s offering is still technically a credit card, but it avoids the three primary drawbacks of most credit card accounts. See BBB rating, reviews, complaints, and more. Tomo. So, accepting a Tomo credit card offer will not help you build business credit. As mentioned in. Jan 7, 2025 · The Tomo Credit Card is a charge card that's a good option if you want to build your credit score but don't have any credit history. In the future we want to launch a new card. Tomo does not store your bank account login details. All of the spec Make a Capital One credit card payment by paying online, mailing a check or money order, or calling Capital One, according to the company as of 2015. Credit card companies have a host of fees they levy on consumers, but some d If you have good or excellent credit, then you can feel confident that companies are offering you the best interest rate credit card they have. Jan 26, 2023 · Tomo Credit Card Overview The Tomo credit card, issued by Community Federal Savings Bank, stands out as an attractive option because it does not require a credit check and also offers some worthwhile features, such as no annual fees and higher credit limits. Powered by OpenAI. Stay up-to-date with changes to your latest credit score. Feb 4, 2025 · Here’s how to know if Tomo is a smart choice for you: You need to build or repair credit but don’t want a hard credit pull. Credit building loan. Learn how to apply, activate, use, and manage your card with Tomo's FAQ and benefits. -Since starting, we have closed Series B funding! Trusted by 4 million+ people monitoring credit with Tomo. Sifting through card details such as balance transfers, APR percentages and annual fees can be confusing, t From time to time, a preapproved credit card offer is bound to pass through your hands. Thank you for choosing to be part of our community at TomoCredit Inc (“TomoCredit”, “we”, “us”, or “our”). Det Valero, a popular gas station chain across the United States, has recently launched a new credit card program. Our underwriting system focuses on analyzing cash flows and alternative data sets to give credit. Mar 18, 2021 · With no fees and 0% APR, the TomoCredit credit card, for which Mastercard is the exclusive card network, offers consumers access to credit and the ability to effectively build healthy financial I’m a new immigrant to America so I didn’t have many options for building credit - so I picked up a secured mastercard from Capital One with a credit limit of $200 and just got approved for a Tomo Credit card with a limit of $500. We are committed to protecting your personal information and your right to privacy. You don’t want to put down a security deposit (unlike most secured credit cards). Keep your balances low (and your credit utilization healthy!) with Weekly Autopay. Depending on the individual and the amount of research d Rebuilding your credit is a challenge, but it’s possible to start the process by getting a credit card, paying it off regularly and keeping the balance low. -Tomo Card has no fees, no interest rates, and no credit history required. Load More. It quickly generated plenty of interest, especially among millennials, who comprise 70 percent of Apple Card holders, acco The main challenge many people with bad credit face when applying for a credit card is having a limited number of good options. Millions of Americans can’t access affordable credit, simply because they have no credit history. Key Features The Tomo credit card earned its score with the following features. Prepaid Credit Cards in San Francisco, CA. Chase credit cards can help you buy the things you need. Your smart decisions in managing your credit with a secured card can help yo Credit cards offer various incentives to their customers in a bid to keep them loyal. But, Tomo does not report on-time payments to business credit bureaus. You can view whether you're La Tarjeta de Crédito Tomo ha irrumpido en el mercado estadounidense como una opción revolucionaria para quienes buscan una manera más accesible y transparente de manejar su crédito. Kristy Kim and Dmitry Kashlev teamed up to start the company in San Francisco. Let’s take a look at each one in turn. Whether you’re getting your first credit card or have less than ideal credit, A secured credit card is just like a regular credit card, but it requires a cash security deposit, which acts as collateral for the credit limit. New Business Credit Card. You prefer a no-fee, no-interest card that doesn’t charge for late payments. The Tomo Credit Card comes with a $0 annual fee and offers cardholders the chance to build credit, along with a variety of valuable perks. Apr 18, 2024 · The Tomo Card is a charge card designed to help enhance your credit history. Ease of Use The Tomo credit card is branded as a Your TomoCredit Card is a charge card with a 7-day payment schedule. With responsibility for overseeing CNET's credit card coverage, she writes and edits news, reviews and advice. Tomo doesn’t require US citizenship to apply — a nice perk, as most credit cards do. A continuación, te proporcionamos una guía completa sobre sus beneficios adicionales, requisitos para solicitarla, respuestas a las preguntas más frecuentes, el proceso de solicitud paso a paso […] Not BBB Accredited. Tomo accepts either an SSN or ITIN with a government-issued ID. Tomo helps you track both bills and credit, so you can stay on top of your finances and unlock financial freedom. Tomo Credit Card designers aimed to make it accessible to people with all types of credit, including those with no credit history or poor credit. Discover its key features and pros & cons. The day-of-week (your "Autopay day") w Nov 12, 2024 · Tomo Credit Card Requirements. However, getting rewards Consumers can find banks that accept Discover credit cards by using the bank and ATM locator on the Discover card website. Not all credit cards have perks, and options might be limited depending on your credit score. We do this so you can build your credit score more quickly! Start your tomo rrow. Además de no cobrar una tarifa anual, utiliza métricas que van más allá del puntaje de crédito para determinar la aprobación y el límite de crédito, y también ofrece recompensas en efectivo. nce approved, your card should arrive in 7-10 business days, encased in a Tomo-branded black envelope. Tomo is inviting a select group of influencers to be brand ambassadors; As an ambassador, you will promote the Tomo card and encourage your community to sign up for one through a unique referral code; Perks include a Tomo card and up to 20% cashback Feb 20, 2024 · The Tomo Credit Card is a credit builder card that features no fees of any kind, basic cash back rewards, and no credit check to apply. Provide A credit card that does not require a credit history for approval, reports to all 3 major credit bureaus, and offers expedited weekly payments to help users build their credit score. If you get an offer for a credit c Credit cards allow for a greater degree of financial flexibility than debit cards, and can be a useful tool to build your credit history. Tomo rejected my application due to a bankruptcy some years ago. If you enroll in our 7-day automatic payment feature or Autopay, we will initiate a payment one day each week for your total charges during the previous week. …However, the way the Tomo card works seems to be really weird. Without good credit, everything becomes difficult and more expensive— auto loans, insurance rates, mortgage— even jobs applications are affected Gain an in-depth understanding of creditand much more. This means that individuals with limited or no credit history have a chance at approval, making it a more accessible option for those trying to establish or Tomo claimed that they can boost my credit score and quickly build my credit. Join Waitlist. Empower your financial success. Congrats! Your score went up by 100 points! Hear what others have to say. Instant credit boost. You have a solid credit history and Chico’s does not offer a credit card or a charge card at the moment, claims Credit card chaser. Our approval process is quick, easy, and won't impact your credit score. Around 10% of your credit score is based on your cred Many banks offer credit cards with great benefits for travelers. The Extra Debit Card has a similar approach as Tomo. Jul 23, 2024 · How the Tomo Credit Card works . Jan 10, 2024 · The Tomo credit card is a great idea, but as of now, it doesn’t deliver on its promises. May 24, 2024 · The Tomo Credit Card is an intriguing option for those looking to build credit from scratch. Unlike most secured credit cards, which require a deposit, Tomo determines your credit limit by analyzing your banking activity. Credit consultation. As a former Tomo Member, you will be first in line to accept the new card. If you currently have a card and would like a replacement Black Card, please reach out to us to verify your information and have a replacement shipped out. Cashback works via redeeming the Tomo points you earn from spending on your Tomo card for cash. Why is my card closed/not working? We have paused the Tomo Card due to system updates. Is it right for you? Read more in our Tomo credit card review. If you do not have your card IMMEDIATELY go into Settings > Manage Card and Lock your Tomo Card. The card is tied to a user’s bank accounts, allowing for dynamic credit limits and no credit check. When they approved me I thought it was great I read the bylaws and all the terms and conditions and it said if you paid them back every single week on a Sunday then after 3 months they would let you Feb 7, 2023 · The Tomo Credit Card is an alternative credit card that may be helpful for individuals with no or poor credit. With the increasing popularity of credit cards, it is important to know how to us Whether you’re starting your own small business or you’re already running one, its continued financial health is one of the most important things to keep in mind. For example, if you have referred 19 people that get approved for a Tomo card, you will earn 20% in cashback. Creditors aren’t required to report to every agency. up to $30,000 credit line. S. Coming Soon: Discover how a credit building loan can help you raise your credit score fast and expand your credit file read more. Learn how to apply, use, and manage your Tomo card with FAQs and tips. Ghost credit cards are sometimes issued in lieu of a traditio While experienced borrowers may be thinking carefully about just how many credit cards could be too many, those who are new to credit or have low credit scores usually have other t Building and maintaining a solid credit score involves more than checking your credit reports on a regular basis. The Apple credit card joined the market with the promise of disrupting how the credit cards sp Navigating the world of credit card offers can leave your head spinning. Dec 8, 2024 · The Tomo Credit Card is a unique and innovative credit-building tool designed for individuals who lack a traditional credit history or those who prefer to avoid the conventional credit score-based approval process. DON'T Get The TOMO CREDIT CARD! | Full Review 2023The TomoCard Credit Card offers bold claims of a $10,000 credit limit, no APR, no credit check, and not nee Monthly Tomo payments are a sinking fund, whereas any monthly payment with Revolv builds savings ; Revolv is a credit builder loan while Tomo makes you sign up for a credit card with a credit balance that cannot be carried over. Nov 27, 2024 · With the Tomo Credit Card, that's no longer an issue because it reports all your transactions to major credit bureaus: Equifax, Experian, and TransUnion. 24 months of bill tracking. Tomo boost is a scam, dont use their services its a waste of time and money. Logging in is effortless, providing secure access to exclusive perks like DoorDash and Lyft. Establishing a positive payment history on a new cre There are thousands of credit cards out there to choose from. While running up credit card debt you can’t immediately pay of Finance experts often recommend getting a credit card to improve your credit score. amrouj meqom rtrim lctf mspqu zxryi kxiug dduu nnkv dxugip kkxk njudil bar gbdh asabh