Yintoni omele uyibukele
Ngethamsanqa, kunokwenzeka ukukhangela isheke ngaphambi kokuba uyamkele okanye uzame ukuyifaka isheke kwibhanki yakho - kwaye kulungile ukwenza njalo kunye naluphi na uhlolisiso olungathandabuzeki ngalo.
Awunakukwazi ngokuqinisekileyo ukuba isheke ilungile, kodwa unokufumana ulwazi olulungileyo (kwaye mhlawumbi nesigunyaziso) ukukunceda wenze isigqibo sokuba wenze ntoni ngetshekhi.
Kukho izinto eziliqela ukujonga:
- Ingaba i- akhawunti yokukhawuleza ineemali ezikhoyo?
- Ngaba isheke liyimibhalo esemthethweni okanye inkohliso?
- Ingaba lo mntu wenza umkhwa wokubheka ukuhlola?
Indlela yokuqinisekisa iiNgxowa-mali
Ukuba ubambe isheke ekhankanyayo, isinyathelo sokuqala esihle kukuzama ukuqinisekisa imali kwi-akhawunti. Ukwenza njalo, qha ga mshelana nebhanki isitshekishi sitsalwa kwaye ucele ukuqinisekisa imali. Ezinye iibhanki, ngentshisekelo yolondolozo lwangasese, aziyi kunika loo ngcaciso - ngoko awuyi kwazi ngaphezu kokuba ubize.
Abanye baya kukuxelela ukuba kukho imali eyaneleyo kwi-akhawunti ukukhupha isheke. Ewe, loo ngcaciso "yinto ecacileyo" yinto ekhoyo kwi-akhawunti ngexesha uhlola. Umnini-akhawunti unokurhoxisa imali, okanye ezinye iindleko zingathintela i-akhawunti emva kokuba uxhomeke.
Ukuba unako ukuqinisekisa iimali kwaye uyazi ukuba itekisi ilungile, gcina isheke ngokukhawuleza.
Ukuba awukwazi ukuqinisekisa imali (okanye ukuba ufuna ukunyamekela ngokukhethekileyo), thabatha isheke kwisebe lebhanki leyo ifunyenwe ngayo imali. Unokwazi ukuhlawula isheke apho ngokukhawuleza - okuphelisa ithuba lokukhangela itekisi.
Andiqinisekanga ukuba yiyiphi ibhanki yokufowuna okanye ukutyelela? Funda apho ukufumana loo nkcazelo kwisheke.
Indlela yokwenza uMqulu oyiNyaniso
Nangona i-akhawunti ineemali ezikhoyo, kungenzeka ukuba uhlawulwe ngetekisi lokukhohlisa. Ngorhwebo lobugcisa, kulula ukukopa ukutshekisha okwenene nokuphrinta ukukhangela (okwenene). Isiphumo: Xa uzama ukufaka isheke, ekugqibeleni kuza kubuyiselwa ngenxa yobuqhetseba.
Hlola zonke iitshekethi ozifumanayo ukuqinisekisa ukuba kulungile. Ukuba unakho ukungathandabuzeki, ungamkeli intlawulo. Uninzi lwamava amaninzi anemisebenzi yokukhusela, echazwe ngasemva kwetshekhi. Njonga i:
- I-Microprinting kumgca wokutyikitya , nakwezinye iindawo
- Iskrini sokukhusela ngasemva kwetshekhi
- Amagama athi "Umbhalo woPhuculo" kwimva yetshekhi
- Nayiphi na i-smudges okanye i-discoloration, ebonisa ukuba isheke liguqulelwe
Ukuqinisekiswa kweempawu zokhuseleko kwisheke akusinakwenzeka. Abaculi bezakhono eziqingqiweyo banokuhlala bethenga i-stock check (iphepha lokuphepha elihlolwayo) kwaye usebenzise inombolo yomnye umntu. Kwaye iireki ezikhangelelweyo ezikhenkcezayo aziyi ku-bounce: Abanye abalobi abatshintshileyo baphicilela zabo iitsheki ekhaya. Nangona kunjalo, nantoni na ekhangeleka imnandi ulwazi olufanelekileyo, kwaye lunokunceda ukuba uhlolisise imeko.
I-Database Database
Ukuba uqhuba ishishini, unokufumana amasheke kwaye kufuneka uhlale uzibuza ukuba ezo zihlolwe zilungile. Ukuqinisekisa imali kungadla ixesha, kwaye kungenzeka ukuba akunakwenzeka ukwenza njalo ngelixa abathengi balinde kumgca.
Indlela efanelekileyo yokuzikhusela xa uhlolo olubi luqhelekileyo (okanye lubiza kakhulu) kukusebenzisa inkonzo yokuqinisekisa ingcaciso. Ezi zinkonzo zikunceda ukuba uqaphele ukuhlola okubi ngokutshekisha iinkcukacha ezininzi ngaphambi kokuba wamkele isheke njengenkokhelo (uqhuba isheke ngeteksi yomfundi okanye i-punch kwindlela yokuhamba kunye ne-akhawunti ye- intanethi).
Hlola iinkonzo zokuqinisekisa ziluhlu lwabantu abahlala behlawula iireki, kwaye banokuthi (ngamanye amaxesha) bathethe ukuba i-akhawunti ivalwe. Ukufumana umrhumo owongezelelweyo, ezinye iinkonzo ziqinisekisa ukuba uya kuhlawulwa: Ukuba i-check checks it will pay you so you do not have to eat it loss.Ukuba oko kungaphezu koko kuyimfuneko, imigaqo emihle inokukunceda wena nabasebenzi bakho ukuphepha ukuthatha uhlolo olubi .
Mhlawu ngephutha
Akunakwenzeka kuphela ukufumana ukuhlolwa okulungileyo. Nangona abathengi abalungileyo benza iimpazamo kwaye bahluleka ukugcina imali ekhoyo-nangona baceba ukuhlawula (kwaye, ekugqibeleni, ekugqibeleni baya kuba). Yilungiselele ngokufumana ulwazi oluqhagamshelana naloo mntu uhlawula ngetshekhi. Qinisekisa ukuba unayo inombolo yefowuni kunye needesi, kwaye khangela ukuchonga ukuqinisekisa ukuba yonke into iyafana.
Hlola imimiselo yendawo ukuze ufumanise indlela osebenza ngayo xa uhlola. Ukuba uqhuba ishishini, kunokufanelekile ukuthumela isaziso esichazela abathengi ngezenzo oceba ukuzenza xa kuhlolwa iitshekhi.