Ngaba iimfuneko zokuthenga ezincinane azikho mthethweni?
Iimfuno eziphantsi zokuthengwa zingekho mthethweni, kodwa ngokuqinisekileyo ziyacaphukisa abathengi. Ngaphezu koko, abathengisi banokuphulaphula imimiselo yezivumelwano zabo kunye nababoneleli bokuhlawula imali xa bebeka ubuncinci.
Ukudideka Ngezenzo ezingekho mthethweni
Abathengi bavame ukuba bakholelwa ukuba iimfuno zokuthenga ubuncinci beemfuno ezingekho mthethweni. Ukudideka kungakho ngenxa yemithetho emininzi eyaqala ukusebenza ngo-2013 ekulawuleni indlela abahwebi abajongana ngayo nabathengi abahlawula ngeplastiki. Iinguqu ezibini ezinkulu zenzeke, kodwa akukho nanye yazo ezikhishwe iimfuno zokuthenga ubuncinci kunye namakhadi okukhwabanisa:
Ukuthenga okuncinci ngamakhadi-mboleko kuvunyelwe , ukuya kuma-10. Abathengisi banokubeka ubuncinci kwiintengo zekhadi lesikweletu ukuba bafuna. Esi sisiphumo sesigwebo sokuba abathengisi bazuze kwiinkampani zekhadi zekhredithi kunye neebhanki. Kwixesha elidlulileyo, abathengisi babeka le mida "ngokungabi namthetho." Umthetho awuzange ukhankanye umcimbi, kodwa kwakukuphulaphula isivumelwano somthengisi kunye neenkampani zekhadi lesikweletu. Ngoku, iinkampani zekhadi zekhredithi mazivumele ezo mincinci, kwaye urhulumente wase-US usethe umda kwi $ 10.
Ukongeza iintlawulo kwiintlawulo zekhadi lesikweletu kuyavunyelwa .
Kwakhona, oku kusebenza kumakhadi wesikweletu kuphela. Kungenxa yokuba abathengisi bahlawula imali nganye xa uhlawula ngeplastiki, bavunyelwe ukudlula enye okanye yonke loo ntlawulo kuwe. Nangona kunjalo, abanye bathi umgaqo-mthethweni-nangenxa yamakhadi-mboleko. Ukufumana iinkcukacha ezongezelelweyo, funda ngeengxowankulu zekhadi lesikweletu .
Amakhadi aMatyala kunye neeCredit Debit
Amakhadi enkoleko ngamakhadi okuhlawula okudala iitaliti kunye nomniki wekhadi, kunye nekhadi lokudibanisa ukukhangela imali kwi-akhawunti yakho yokujonga (okanye ibhalansi ehlawulwa kuqala ).
Uthini umahluko phakathi kokuba ezi ntlobo zamakhadi ziphathwa njani? Kukho nawuphi na isizathu, umthetho awujongisi ukuthengiswa kwekhadi lokubambisa ukusuka kumbono wabathengi. Imithetho iyanciphisa ukuba ngabathengisi abaninzi kufuneka bahlawule njani xa uhlawula ngekhadi lokubhadela kunye neendleko zabo zokwamkela amakhadi okukhwabanisa ngokubanzi kuncinci kuneendleko zokwamkela ikhadi lekhredithi. Oku kuyinyaniso nokuba ngaba ungumthengi sebenzisa ikhadi lokubambisa kodwa ukhethe i-"credit" yokuthengwa kwi-checkout.
Ngokuqinisekileyo, abagwebi babecinga ukuba iindleko ezisezantsi ezinxulumene neentlawulo zekhadi zebhanki zithetha ukuba abathengisi abayi kuba nesizathu sokuthintela ukusetyenziswa kwabo. Nangona kunjalo, amanye amakhadi debit axabisa kakhulu ukuqhuba kunezinye (umzekelo, amakhadi e-debit akhutshwe ngamaziko amancinci angabiza kakhulu).
Ngaba ngaba abarhwebi bavunyelwe ukwenza nantoni na abayifunayo xa uhlawula ngekhadi lokukhwabanisa? Impendulo elula ayikho. Isivumelwano somthengisi kunye namanethiwekhi okucwangcisa amakhadi avimbela ukubeka inani elincinci lokuthenga ngokuthengiselana kwamakhadi e-debit.
Nangona kunjalo, abanye abathengisi abanako ukuqonda ukuba kukho umehluko phakathi kwamakhadi ekhredithi kunye namakhadi e-debit , kwaye abanye banokukhetha ukungayilandeli imithetho. Umzekelo, i-Visa isikhokelo kubathengisi kubandakanya inqaku elilandelayo:
Inani elincinci lokuthenga alikwazi ukusetyenziswa kwiintengiselwano ezicutshungulwa ngekhadi lokubhadela.
Loo mqulu unikeza imiyalelo yabasebenzi bokuqeqesha ukuba babone umehluko phakathi kwamakhadi e-debit kunye namakhadi ekwereta.
Ukubika iKhadi lokuTyala kwiCredit Debit Minimum Violations
Yintoni ongayenza ngabathengisi abaphula imithetho? Kungcono ukuba ubazise ukuba ucinga ukuba benza into engalunganga. Ngokukodwa xa kuziwa kwishishini elincinci, umnini-shishini angenako ukukhawuleza kuyo yonke imithetho. Izinto ziguquka ngokukhawuleza, kwaye abanini-shishini baninzi kwiiplate zabo.
Ukuqala incoko nomnini-shishini lommandla wakho unokunceda wonke umntu. Usenokuze uve novelwano kubo - ukwamukela iplastiki kuyimfuneko, kodwa kuyabiza. Nangona iifowuni zokwamkela ikhadi lokukhwabanisa ngokuqhelekileyo liphantsi kakhulu kuneemali ze-slide ze-credit card , kukho ixabiso.
Gcina loo nto ingqondweni njengoko uthenga, kwaye uhlawule ngemali ukuba unako. Inokukunceda ibhizinisi lakho eliyintandokazi lihlale liqhubeka, kwaye liya kunceda ukugcina amaxabiso kuwo wonke umntu.
Ukuba ukholelwa ukuba ishishini liwutyeshela ngokucacileyo imigaqo, unokuyibika kwiinkqubo zokucwangcisa amakhadi ukuba uthanda.
- Bika iingxaki kwiVisa.
- Bika iingxaki kwi-MasterCard.
Nangona kunjalo, kuba umrhwebi akaphuli nayiphi na imithetho ngokubeka imali encinci yokuthenga ngamakhadi e-debit, awuyi kuyenza eninzi xa ubika ingxelo kwishishini lakho kwi-Attorney General okanye kwi-Federal Trade Commission. Abathengisi ngokubanzi bakwazi ukubeka nayiphi na imigaqo abayifunayo xa nje bengayiphuli imithetho yomthetho okanye yendawo.