Ukuba sonke sibeka ingcamango encinane ekusebenziseni amakhadi ethu ekwereta, mhlawumbi bekungekho nkxala enkulu enetyala lekhadi lesikweletu. Ngenxa yokuba umnikezeli wakho wekhadi lokuthenga ngetyala unikezele ukufikelela kumgca wesikweletu kwaye ngenxa yokuba kukho into ofuna ukuyithenga ayithethi ukuba lixesha elifanelekileyo lokusebenzisa ikhadi lakho lesikweletu. Nazi zihlandlo ezimbalwa kufuneka ushiye ikhadi lakho lekredithi kwi-wallet yakho endaweni yoko.
01 Musa ukusebenzisa ikhadi lakho lesikweletu xa unganakho ukuhlawula imali.
Oku kuqinisekisiwe ukuba inombolo yinye ixesha awufanele usebenzise ikhadi lakho lesikweletu. Ukuba awukwazi ukuhlawulela ukuthenga ngemali, ngoko awukwazi ukukwazi ukubeka kwikhadi lakho lekhredithi.
Ukuba uswayipha ikhadi lakho ukuba awukwazi ukuhlawula oko uthenge, unokuba netyala lobuqhetseba. Akunakufuneka ubanjwe, kodwa abanye ababolekisi bangasebenzisa ingxabano yokukhwabanisa ukuze uhlale ungabikho phantsi kwelo tyala emva kwexesha.
Ukuhlawula izinto ongenakukwazi ukuzithengisa yindlela eqinisekileyo yokungena kumatyala nokuchitha inqaku lakho lekhredithi .
02 Cinga kabini ngokutshiza xa ungazi i-credit card yakho.
Uninzi lweebhanki ezinkulu ziye zaphelisa imali engaphezulu kwemida kwaye ezinye ziye zatshintsha imingcele yemali kunye nemida yokuchitha imali, kodwa oko akuthethi ukuba kulungile ukugqithisa umda wakho wesikweletu.
Ukuba ukhe wangena ukungena kwemida-ntlawulo, unokunyusa izinga lentengo ngokunyuka komda wakho. Akunjalo kuphela, ukukhishwa kwamakhadi wesikweletu ngamabi akho amanqaku ekhredithi kwaye kunzima kakhulu ukuyibuyisela. Njalo qinisekisa i-credit card yakho phambi kokuba usebenzisa ikhadi lakho lesikweletu.
03 Gwema ukuthengwa kwekhadi lesikweletu xa ufaka isicelo sokuthenga imali.
Ababolekisi bemali-mboleko banamathela kwii-balance balance card xa ufaka isicelo sokuthenga imali. Ukuhlawulwa kwetyala lekhadi lokuthenga ngetyala, kuya kuba nzima ukufumana imali yokuthenga imali ngenxa yokuba oku kuthetha ukuba unokuba nzima ukukwenza iintlawulo zemali.
Kungcono ukugcina ukuthengwa kwekhadi lokuthenga ngetyala elide kuncinci emva kokugqiba ngokupheleleyo inkqubo yokuboleka imali. Kungcono ukuba ulinde iinyanga ezimbalwa emva kokuba uvale ukulungiswa ukuba ube nemali yokuthenga impahla kunye nezinye izindleko zezindlu.
04 Musa ukusebenzisa ikhadi lakho lesikweletu ukuze uzive ungcono.
Ungakwazi ukuphela ngokugqithiseleyo xa ungagqithiseli xa uphaphaza ukuphilisa i-blues , ngakumbi ekubeni ukuthenga kuyisilungiselelo sesikhashana nje. Khangela iindlela ezincitshisiweyo zokusombulula iingxaki zemvakalelo, njengokuhamba, ukuhamba ngebhayisikili okanye ukulima, okanye ukuxazulula ingxaki ehlala ikukhathazekile. Ukuqalisa ukulinganisela kwekhadi lesikweletu kungahlawuleka xa uqaphela ukuba unayo imali yokuhlawula ibhalansi yekhadi lesikweletu (bona # 1).
05 Ungayisebenzisi ikhadi lakho lesikweletu xa sele unetyala.
Unengqiqo ukuhlawula izilinganisi zakho zekhadi lesikweletu ngaphambi kokuba uhlawule enye into. Ukwenza ukuthenga okutsha phambi kokuba uhlawule abantu abadala kuyindlela elula yokungena kwi-credit card. Ukuba awukwazi ukuba unetyala elingakanani - uhlazo kuwe! Ixesha lokukhupha izitatimende zekhadi lakho lesikweletu, qulunqa izilinganiso zakho , uze uhambelane nemboleko yakho.
Ukuba kuvela ukuba unetyala elininzi, faka iikhadi lakho lekredithi kwaye usebenze isicwangciso sokuqala ukuhlawula imali oyenzayo.
06 Gwema ukusebenzisa ikhadi lakho lekhredithi xa utywala - okanye ulambile.
Amaxesha athile uncinci ekulawuleni izigqibo zakho kunabanye. Ukuba utywala okanye ulambile, unokuchitha imali engaphezulu kunokuba uyakwazi ukuyibuyisela. Musa ukuthenga xa ulambile kwaye kuphela uphethe imali encinci yemali xa uceba ukusela. Ngaloo ndlela ungagcina ukuthenga kwakho phantsi kolawulo.
07 Musa ukusebenzisa ikhadi lakho lekhredithi xa ungathembi umntu okanye idivayisi ekuyiphathayo.
Ngekhadi lokukhwabanisa ngamakhadi , amasela anokutsala ulwazi lwakho lwekhadi lesikweletu ngelixa ukhangele. Abalindi kunye nabakhonkco bebanjwe behamba ngamakhadi-ngetyala nge-skimmer kwintsebenziswano emthethweni. Kwaye abaqhetseba bayaziwa ukuba baye bafaka iifowuni zokukhupha kuma-ATM nakwiipompo zegesi.
Awunamacala eninzi ngamatyala enkohliso , kodwa kusekhona intlungu yokujongana nayo. Ungayisebenzisi ikhadi lakho lekhredithi ukuba ucinga ukuba kukho ulwazi lwekhadi lakho lokubiwe.