Ngaba Ufanelekile? Ngaba iibhanki zokukhuba iibhokhwe?
- Ikhadi lokudityaniswa lixhunyaniswe ngqo kwi-akhawunti yakho yokutshekisha , ngokunjalo iindleko ezingalindelekanga kwi-akhawunti yakho zingabangela ukuba ulahleke iintlawulo ezibalulekileyo ezifana nerenti, i-mortgage kunye ne-insum yomshuwalense.
- Umthwalo wakho wekhadi lokubanjelwa kwebidi inkulu kunomngcipheko wamakhadi-ngxowa-ngaphandle kokuba ubika ingxaki ngokukhawuleza.
Inkqubo yesisombululo iyafana nokuba umntu uthathe ikhadi lakho okanye usenalo (kwaye bafumana inombolo yekhadi). Kodwa uninzi ixesha lokukhusela ilahleko ukuba unayo ikhadi lakho.
Qhagamshelana neBhanki yakho
Isinyathelo esibalulekileyo kunxibelelwano nebhanki yakho-ngokukhawuleza. Baxelele ukuba ikhadi lakho lokubambisa libiwe okanye ukuba uyakrokra ukusetyenziswa kobuqhetseba beenombolo zekhadi lakho lokubambisa. Ngokukhawuleza ukwenza oku, umngcipheko omncinci ongekho kuwo. Umthetho we-Federal ukhusela kukukhwabanisa kunye neephene kwi-akhawunti yakho, kodwa kuphela xa uhlangabezana nemigangatho ethile:
- Ukuba uyazisa ibhanki yakho ngaphambi kokuba ikhadi lisetyenziswe ngamasela, awunabo uxanduva lwezityholo.
- Ilahleko lakho lilinganiselwa kuma-$ 50 xa ukwazisa isikhungo sakho semali kwisithuba seentsuku ezimbini zeentsuku emva kokufunda ngobusela.
- Emva koko, ilahleko yakho ingaba ngaphezu kwama-$ 500 ngelixa ubika ingxelo kwiintsuku ezingama-60 kwi-akhawunti yakho yomhla we-akhawunti.
- Emva koko, ubeka umngcipheko ukulahlekelwa okungenamkhawulo kunye noxanduva lweentlawulo kwiakhawunti yakho.
Ukuba usenayo ikhadi lakho, kodwa umntu uthembe inombolo yakho yekhadi, unemihla engama-60 ukubika nayiphi na into eyenziwa ngamatyala kunye ne-bhanki ikhuphe ilahleko zakho. Emva kweentsuku ezingama-60, uxanduva lweentlawulo.
Xhumana nebhanki yakho usebenzisa inombolo yefowuni oyifumana kwiwebhsayithi yakho yebhanki okanye nge-app yebhanki yeselula.
Amabhanki ngokubanzi athatha le ngxelo 24/7, ngoko ungalindi kude kube ngoMvulo. Unakho ukhetho lokuthumela ingxelo kwi-intanethi (okanye nge-app yebhanki yakho). Emva kokuba uxelele ibhanki yakho ngomlomo, unokufuna ukulandelelana ngengxelo ebhaliweyo-oku kubalulekile ukukhusela amalungelo akho. Ukungaphumeleli ukwenza iphepha (ewe, intlungu) kunokuthetha ukuba awuphumelelanga "ukubika" ukweba.
Ukongeza kwokhuseleko lwakho phantsi komthetho wesigqeba, ibhanki yakho okanye umniki-khadi unokunikela "ukhuseleko lwezero". Ngamanye amaxesha ezo zinto zinomdla ngaphezu komthetho.
Umngcipheko weKhadi lokuTyala ngeKhadi leDebit
Amakhadi enkoleko aphephile kunamakhadi e-debit, kwaye mhlawumbi ikhethekileyo yokukhetha imali yansuku zonke . Njalo xa usebenzisa ikhadi lokuhlawula, uvula umngcipheko wokuba umntu weba inombolo yakho yekhadi.
Ukulahleka okukodwa: Ngekhadi lekhredithi elahlekileyo okanye elibiweyo, uhlawulwa kuphela ukuya kuma-50 engama -shishini angagunyaziswanga phantsi komthetho we-federal. Kwaye njengamakhadi okukhwabanisa, awukho uxanduva lweentlawulo ezibetha iakhawunti yakho emva kokuba uxela ilahleko.
Ukuhamba kwemali: Ikhadi lakho lokubambisa lithatha imali ngokukhawuleza kwaye ngokukhawuleza kwiakhawunti yakho yokujonga. Ngekhadi lesikweleti, ngakwelinye icala, iindleko zobuqhetseba zanda nje ukunyusa ibhalansi ye-akhawunti "yokulinganisela" ukuba unemihla engaphezulu kweentsuku ezingama-30 ukuhlawula.
Ukuba amasela asebenzisa ikhadi lakho lokubambisa ukukhupha i-akhawunti yakho yokutshekisha, uya kuba nexesha elinzima ukuhlawula iindleko kunye nokwenza izinto ezibalulekileyo ngenxa yokuba imali yakho ihambe.
Isisombululo esincinci: Emva kokuba uxelele ibhanki yakho yeengxaki zekhadi lebhanki, ibhanki inokufikelela kwiintsuku ezilishumi ukuphanda ibango lakho kwaye okwethutyana (ade izalise uphando) ibuyisele loo mali kwi-akhawunti yakho. Ukuphila ngaphandle kwemali yakho iintsuku ezilishumi kungenakwenzeka. Ukuba awukwazi ukuhlawula iintlawulo, uya kubhekana neentlawulo ezongezelelweyo zokugqibela ezivela kubathengisi kunye neengxowa-mali ezingenamsebenzi ezivela kwibhankini yakho. Yongeza ezo ntlawulo kwinani lexesha ofuna ukuyisebenzisa ukucoca yonke into, kunye nekhadi lesikweletu livakala ngokukodwa.
Yonke into eyathethileyo, ikhadi lokubambisa linokuthi likhusele ngaphezu kwekheshi: Ukuba i-pickpocket ithola isikhwama semali, awuyi kubona loo mali kwakhona.
Ukusebenzisa ikhadi elibiweyo liyingozi , kwaye amaninzi amanqamlezo awayi kukhawulela loo mgca. Ngaphezulu unokufumana iindleko zobuqhetseba ezitshintshiweyo ukuba ibhanki yakho iya kubakhusela.
Bafumana Njani Ikhadi Yam?
Ukuba usenayo ikhadi lakho, unokuzibuza ukuba amasela ayisebenzisa njani ukuthengwa kwe-intanethi-kunye nokuhoxiswa kwii-ATM.
Amanani ekhadi lokudibanisa athowe imihla ngemihla, kwaye ngamanye amaxesha awunabandakanyeka.
- AbaHackers bangabamba inamba yamakhadi kwimpazamo enkulu yeenkcukacha xa behlukana kwiinkqubo zekhompyutha.
- Abadlali be-ATM kunye nabadlali beepokethi babamba inombolo yekhadi lakho, kunye neekhamera ezifihliweyo ziyakuthabatha iPIN yakho njengoko uthayipha kuyo.
- Abasebenzi abangathembekanga phantse naphi na banakho ukukopisha ulwazi lwekhadi lakho.
Ukuze uzikhusele, gwema ukusebenzisa ikhadi lakho lokubambisa kunoma yimuphi umrhweba ongaziqhelanga. Kwakhona, amakhadi ekwereta aphephile. Naliphi na i-tampu ongayifaka phakathi kwe-akhawunti yakho yokutshekisha kwaye isela linceda. Iinkonzo zokuhlawula ezifana ne-PayPal nazo ziyimpumelelo efanelekileyo yokufihla ulwazi lwe-akhawunti yakho. Sebenzisa ikhadi lakho le-chip-kwaye faka ikhadi esikhundleni sokutshiza- ukunciphisa amathuba okuba idatha.
Ukuba unomdla wamakhadi e-debit, khawucinge ngekhadi lokubhadela lokubhadela ekuthengeni kwiindawo apho inombolo yakho ingabanjwa. Lawo makhadi ayifuni naluphi na uhlolisiso lwekhredithi, kwaye amasela anokuthatha kuphela oko ulayishe ekhadini.
Hlola iingxelo zeakhawunti yakho rhoqo. Ngelishwa, akukhuselekile ukuvumela izinto zigijime ngokuzenzekelayo. Ukwenza kube lula, faka isicatshulwa okanye i-imeyli izaziso kwi-akhawunti yakho yokukhangela ukukwazisa ngomsebenzi kwi-akhawunti yakho. Oku kukunceda uxele ubusela kwibhanki yakho ngokukhawuleza, okunciphisa uxanduva lwakho.