Njengawo onke amakhadi okubhadela, i-Amex Serve isebenze njengekhadi lesikweletu: Uyisebenzisela ukuthenga i-intanethi okanye kumntu usebenzisa imali oyilayishayo kwi-akhawunti yakho.
Ngenxa yokuba usebenzisa imali yakho, ayikho indlela yokuhlawula ityala ngekhadi, kwaye uya kuphepha iimali ezingaphezulu kwe-paydraft eziqhelekileyo zokujonga i-akhawunti.
Amaphupha ephambili kwiKhadi leNkonzo
I-akhawunti yakho yokuSebenza ikuvumela ukuba wenze okungaphezulu kokuthenga nokurhoxisa imali kwiATM.
Ukuhlawulwa kwebhilikhi ye-intanethi: Bhatala iibhilidi mahhala usebenzisa ibhalansi yeakhawunti kwikhadi lakho. I-Amex iya kuthumela iisheksi okanye ihlawule iindleko zakho ngekhompyutha , ngoko unako ukwenza i-automate yakho imali kwaye ugweme iintlawulo ezingekho.
Ifowuni tsheka idiphozithi: Ukuba umntu uhlawula ngetshekhi, gcina ezo mali kwi-akhawunti yakho Yesevisi ngefowuni yakho yeselula . Akukho mfuneko yokwenza uhambo ukuya kwisebe okanye kwi-ATM. Ungakwazi kwakhona ukumisela idiphozithi ngqo, eyenza inkqubo yenzeke ngokupheleleyo kwaye inokunceda ukunciphisa iifizi.
I-deposit yokuqala yangaphambili: Ukuba umqeshi wakho uthumela i-payroll ngolwazi ngokukhawuleza, u-Amex unokukhangela i-akhawunti yakho enye okanye ezimbini kwiintsuku phambi komhla wokuhlawula ohleliweyo.
Oku kukunika iintsuku ezimbalwa ezongezelelweyo ukuba uchithe-kodwa kusenokuthetha ukuba ukuphela kwenyanga kuza nje kungekudala.
Ukudluliselwa kwemali kunye nekheshi yemali: Xa ufuna imali engumdala, unako ukurhoxisa iindleko ezinkulu kwiindawo zeWalmart. Ukwenza njalo kukuvumela ukuba ufumane ngaphezu kwee-ATM ezininzi ezivumela ukuthengiselana . Ungathumela kwakhona imali yomnye umntu ukuba athathe kwiWalmart yendawo.
Qaphela ukuba iiflawulo zifaka izicelo zokukhangela imali.
Izaphulelo: Esikhundleni sokuba unike imali kumnye umntu, unako ukwenza imali efumanekayo kubo nge-Serve subaccount. Oku kunokuba luncedo ekuhlawuleleni izibonelelo okanye ukubuyisela imali kwi-kontraki ukuthenga izinto.
I-inshurensi ye-FDIC: Iifom ozilayishayo kwi-akhawunti yakho yokuSebenza ifanelekile kwi- inshurensi yakwa-FDIC . Ukuze uvumeleke, kuya kufuneka urejistise ngoNcedo, kwaye ngokuqhelekileyo kuthatha usuku olunye lwee-Amex ukuze ubeke imali yakho kwi-akhawunti yasebhanki ye-insured ye-FDIC.
Ukongeza kwizinto ezilapha ngasentla, uncedo lweendlela, ukhuseleko lomthengi kunye nezinye izinto ezenza ukuba ikhadi lifanele ukuphanda.
Indlela yokongeza iNgxowa-mali
Kukho iindlela ezininzi zokulayisha i-akhawunti yakho Yesevisi.
- Idiphozithi ngqo yomvuzo wakho. Le yona khetho efanelekileyo ukuba ufuna ukunciphisa iindleko, njengoko ikhadi leService eliqhelekileyo linika ithuba lokuhlawula imali kunye nediphozithi ngqo.
- Ukutshintshwa kwi-akhawunti yakho yasebhanki . Uninzi lweebhanki likuvumela ukuba utshintshwe ngekhompyutheni kwiKhadi lakho lokuSebenza ngaphandle kweendleko.
- Imali yokugcina imali kwiintengiso , kubandakanya ivenkile, izitolo ezilula, kunye nee-pharmacy kulo lonke. Imirhumo ingafaka isicelo, kuxhomekeke kwiyiphi ikhadi eliSebenzisayo.
- Iifowuni zefowuni, nangona ungadinga ukulinda iintsuku ezilishumi okanye uhlawule imali ethobekileyo phambi kokuba imali ifumaneke ukuchitha imali
I-American Express Yenza Imali
I-akhawunti yeseva inokukhululeka xa ubeka idizithi ngqo kwaye usebenzise izixhobo ezisisiseko.
- Amakhadi akhululekile xa ubhalisa kwi-intanethi. Ungathenga kwakhona amakhadi avela kubathengisi nge $ 3.95.
- Iindleko zenyanga nganye kwiSikethi yomSebenzi eziqhelekileyo ziyachithwa xa ubeka idipozithi ngqo ye-$ 500 ngenyanga.
- Ukufikelela kwe-ATM kukhululekile kuma-ATM angama-24 000. Ezinye iinqununu ziphumela kwiintlawulo ezivela kwi-American Express kunye nomsebenzisi we-ATM.
- Iifosti kwi-akhawunti yakho zikhululekile xa zenziwe ngekhompyutha. Ikhadi leService eliqhelekileyo linomrhumo wemali yokufaka imali, kodwa iKhadi leReloads le-FREE libonelela ngeendawo ezingaphezu kwama-45,000 kwiimali zokubhatala iintlawulo.
Utshintsho kuMxholo
Ikhadi leNkonzo liza kwiintlobo ezintathu.
- Ikhadi eliSebenzayo eliqhelekileyo lilikhadi eliphantsi lokuhlawula ixabiso eliphantsi eluncedo lokufumana umvuzo, ukuthenga nokuhlawula iindleko. Oku kungaba yindlela ekhethekileyo kubaqeshwa be-W-2 kunye nabazimeleyo abahlawulwa ngokukodwa ngetshekhi okanye nge-electronic deposits.
- Ikhadi leReloads elikhululekile linikeza iifomiti zemali ehlawulelwayo mahhala kunye nentlawulo yenyanga nganye ye-$ 4.95. Olu khetho lunokuba lunengqiqo kulabo abangenayo i-akhawunti yebhanki kwaye ngokuyinhloko bafumana umvuzo ngemali.
- Ikhadi elikhawulezayo lekhadi linikeza ipesenti ezili-1 emva kokuthenga kunye nemimiselo yenyanga nganye ye-$ 5.95. Imali yokubuyiswa kwemali ayifumanekanga ngamakhadi-debit-ikakhulukazi amakhadi ahlawulwe-ngoko ke ngumnikelo oyingqayizivele. Ikhadi lekhadi elikhawulezayo lingaba nengqiqo kulabo abalayishayo kwaye bachitha imali eninzi.
Izibango
I-Amex Khredithi ikhadi linye yamakhadi ahlawulwe ngokuthe xaxa, kwaye ipapashwe ngamancedo ancedo. Sekunjalo, kusoloko kunceda ukuqonda iinkonzo kunye neengxaki.
Akuvunyelwanga kuyo yonke indawo? Amakhadi ase-American Express ayamkelwa kwiivenkile ezingenakubalwa ze-intanethi kunye nezitena. Kodwa abanye abathengisi bakhetha ukungathathi i-Amex. Ngezinye izihlandlo, unokufuna ukufumana enye indlela yokuhlawula.
Iifowuni zefowuni: Imfono isheke kwidilesi yakho Yesevisi idinga ixesha elineshumi ngaphambi kokuba ufikelele kwiimali. Uninzi lweebhanki zenza iimali zifumaneke ngokukhawuleza kunoko , kwaye unokuba neengxaki ukuba awugcini imali engaphezulu. I-Amex iya kuhamba ngokukhawuleza i-check-deposits-kunye nokufumaneka kwemini efanayo-ngomrhumo.
Ezinye iindlela zokuSebenza
Ngelixa i-akhawunti Yenkonzo isebenza ngokufanelekileyo, unokufumanisa ukuba akuyiyo kanye into oyifunayo.
Kwiintlawulo zakho, ezininzi iinkonzo-kunye ne-akhawunti yebhanki-ikuvumela ukuba uthumele imali kubangani nakwiintsapho mahhala . Abantu abathumela imali kwiindawo ezininzi sele benakho i-akhawunti kunye neVenmo, i-PayPal okanye iCash Cash, ngoko abayi kudingwa ukubhalisela iinkonzo ezintsha.
Ukuthengwa kwe-intanethi ngokukhuselekileyo, amakhadi enkoleko kunye neenkonzo zokuhlawula ezifana ne-PayPal unokongeza ukhuselo lwabarhwebi be-intanethi kunye nekhadi lakho lesikweletu. NjengeNkonzo, ezo nkonzo zinika uhlobo oluthile lokukhusela umthengi.
Ukukhusela amatyala, amakhadi asebhanki bendabuko avumela ukuba uchithe kwi-akhawunti yakho yokujonga ingqalelo ngaphandle kokuya kwetyala. Phuma ekukhuselweni kwe-overdraft, kwaye unokuphephekisa iimpazamo ezibiza.