Uyakuphepha njani iireki zeebhola (kunye neentlawulo)
Xa i-akhawunti ingenayo imali engapheliyo , ibhanki yombhikisho yechungechunge iya kukhanyela isicelo sokuhlawulwa kwaye ubuyisele isheke (okanye isicelo sekhompyutheni) kwibhanki leentlawulo. Esikhundleni sokuthumela imali kumboleki, isicelo sokuhlawula "sibuyisela" kwakhona.
Kutheni uhlola ukuhlawula
Xa abantu bahlawula ngetshekhi, kukho ithemba lokubandakanya: Akukho tshintsho lwekheshi ngokukhawuleza, kwaye kuya kuthatha iintsuku eziliqela ukuba imali ihambe kwi-akhawunti enye. Umvuzo (okanye ummkeli wekhenkethi) akwazi ngokwenene ukuba umlobi okhangeleyo unokufumana imali engakanani, kodwa abaninzi abathengi abenzi umkhwa wokubheka ukuhlola, ngoko kuhloliswa kukuvunywa ngokholo.
Ngamanye amazwi, abarhwebi nabanikezeli benkonzo bamkele ukuhlolwa ukuba bathathe iitshekhi baya kucima ngaphandle kweengxaki.
Ungabhala nayiphi na into: Kunokwenzeka ukuba ubhale isheke kuyo nayiphi na imali oyifunayo, nokuba ingaba loo mali ayifumaneka ngokwenene kwi-akhawunti yakho yokujonga. Ukubhala ierobha ukuhlola ngokuzithandela ngokungekho mthethweni, kunye neengcinga ezimbi ngezizathu ezininzi , kodwa kulula ukwenza.
Iingozi zenzeka: Ngamanye amaxesha uhlolisiso luyingozi. Umbhali wokukhangela unokukholelwa ukuba uneemali ezifumanekayo , kodwa ukurhoxa kuye kunciphisa ukulinganisela kwakhe kwaye kummangalisa.
Ngokomzekelo, iintlawulo zekhompyutha ezizenzekelayo, ukuhlola okuvelele okubetha i-akhawunti ngokungalindelekanga , kunye nekhadi elide lokubambisa linokubangela ukuba uhlolisise. Ngaphezu koko, ngamanye amaxesha abantu bayakhohlwa ukuba benze idiphozithi okanye bahlole ibhalansi yeakhawunti yabo.
Iingxaki ngeakhawunti okanye ngetshekhi: Iitshekhi zinokubangela ezinye iintlobo.
- Iingxelo ezivaliweyo: Ukuba i-akhawunti yokukhangela ivaliwe naziphi na izizathu, ukuhlolwa kuya kukhishwa. Kwezinye iimeko, oku kuwuphawu lobuqhetseba, kwaye kuya kwenzeka kwakhona xa abahlawulwayo bephuza ukufaka iitshekhi.
- Yeka inkokhelo: Ukuba umlobi wekhenkethi wabeka intlawulo yokumisa kwisheke, ibhanki kufuneka ihloniphe eso sicelo. Kuloo meko, iintlawulo kufuneka zifumanise ukuba kutheni isicelo senziwe kwaye senze amalungiselelo enye indlela yokuhlawula.
- Iingxaki ngekhenkethi: Amabhanki anganqwenela ukuhlonipha isheke ukuba kukho nantoni na. Iingxaki eziqhelekileyo zibandakanya amashishini ashiyiweyo kunye nokuhlolwa kwexesha eliqhelekileyo, kodwa ezinye izinto zingabangela ibhanki ukuba ifake ikhonkco.
Xa ikhonkco elibi lifakwe okanye umvuzo ozama ukuyihlawula, isheke liya kubhankini lombhenkethi (kwiphepha okanye kwifomu yekhompyutha). Ibhanki iya kuqinisekisa ukuba i-akhawunti yokukhangela inemali ekhoyo, kwaye ibhanki iya kuhlawula isheke ukuba konke kulungile. Ukuba kukho iingxaki, ibhanki iya kunika ingxelo emfutshane kwaye ibuyisele isicelo kwibhanki lomvuzo.
Imali, iMirhumo, iMirhumo
Ukuhlolwa kweerubha kuholele kwimirhumo - kubo bonke abachaphazelekayo.
- Ukuba ubhala isheke esibi, ibhanki yakho iya kuhlawulisa iifizi zemali engenakhoyo okanye i-overdrawing akhawunti yakho. Ezi ntlawulo zihlala zijikeleze i-$ 35 okanye njalo. Ukongezelela, umntu okanye ishishini osibhale ngalo isheke kuya kuhlawulwa iifizi zentlawulo okanye iimali zokuhlawula emva kwexesha.
- Ukuba ufumana isheke edibanayo, kuya kufuneka uhlawule. Ibhanki yakho iya kukudalela ngokubeka isheke esibi-nangona bekungekho iphoso lakho. Ezi ntlawulo zidla rhoqo kwi-ballpark ye-$ 35. Kwezinye iimeko, unako ukudlulisa ezo zityholo kumbhali wokutshekisha, kodwa kufuneka ulandele imithetho ethile ukuqokelela loo mali kwi-check writer (kwaye awukwazi ukuba uya kufumana nantoni na, kuquka nentlawulo yokuqala, evela kumthengi obhala isheke elibi).
Gwema iCheck Bounced
Bobabini bajonga abalobi kwaye bajonge abamukeli bangathatha amanyathelo okuthintela ukuhlola kwi-bouncing.
Ukujonga abalobi kufuneka baqinisekise ukuba banemali eyaneleyo yokufumana nganye isheke abhalayo.
- Yazi ibhalansi yakho: Hlola ibhalansi yakho ekhoyo (leyo ingahle ihluke kwi-akhawunti yakho ). Sebenzisa iifowuni zokusebenza zakho kunye nemilayezo yombhalo kwibhanki yakho ukuqonda xa imali ishiya iakhawunti yakho.
- Gcina ibhonasi: Shiya imali eyongezelelweyo kwi-akhawunti yakho yokujonga ngeendleko ezingalindelekanga. Leyo mali inokukunceda xa ukhohlwa malunga neentlawulo ezithintele iakhawunti yakho, kwaye xa ufuna imali yengxamiseko. Ukuba uhlala ugcina i-akhawunti yakho ibhalise ngaphezu kweyure, unakho ukuhlawula iindleko ze-overdraft kwaye usebenzise iimveliso zemali ezibizayo.
- Ukulinganisela i-akhawunti yakho: Gcina i-balance balance account, idizithi, kunye nokuhoxiswa. Ukuba ulinganisela iakhawunti zakho, uyazi ukuba kwenzekani kwi-akhawunti yakho phambi kwebhanki yakho . Uya kuba nexesha lokufaka idiphozithi okanye ukudlulisela imali ukuze ugweme ukuhlawula iireki kunye nokuhlawula iifizi zentlawulo.
- Xoxa kunye neentlawulo: Ukuba ubhala isheke kwaye kamva uqaphela ukuba kuya kuhlawulela, qha ga mshelana naye. Bazise ngaphambi kokuba bafake isheke, benze amanye amalungiselelo. Oku kuza kusindisa ixesha kunye nemali yenu bobabini.
Khangela abamkeli bahlala bebeka umngcipheko ngokuvuma ukuhlolwa, kodwa kunokwenzeka ukulawula loo mngcipheko.
- Qinisekisa imali: Xhagamshelana nebhanki yombhali wokujonga ukuba uqinisekise imali ngaphambi kokuba wamkele okanye ubeke isheke. Ezinye iibhanki ziya kubambisana, kodwa abanye abayi kunika naluphi na ulwazi malunga neakhawunti yamakhasimende. Ngeke ukwazi ngaphandle kokuba uzame.
- Hlola iinkonzo zokuqinisekisa: Amashishini angasebenzisa iinkcukacha zolwazi ezithatha ukuhlola i-akhawunti kwaye uncede ukuchonga iireki ezingase zenzeke. Basenokuqinisekisa ukuhlawulwa kweentlawulo ezimbi kwiimali ezingaphezulu.
- Iinkqubo: Khetha ukuba ngubani owamkelayo ukuhlolwa. Kwimashishini athile, umngcipheko uyawulungela, kwaye unako ukukhonza abathengi abathengi ngokuthenga iitsheki (ngokuchasene nokufuna amakhadi-ngxowa okanye ukuthenga imali kuphela ). Kodwa kulungele ukulandela iindlela ezintle ukuba uya kwamkela iitsheki .