Ukwenza uninzi lwamakhadi ahlawulwe kunye nokugqiba ukuba ngaba kunjalo, funda kwaye ufumene indlela asebenza ngayo kwaye afunde malunga neenzuzo kunye neengxaki.
Amakhadi ahlawulwe njani asebenzayo
Amakhadi okubhadela akhangele kwaye azive nje njengekhadi eliqhelekileyo kunye namakhadi okukhawuleza. Amakhadi eplastiki anemigca yamagnetic (kwaye banokuba ne-smart chip yokukhusela). Ukuthenga into ethile, yenza nje nje ukuba unayo i-credit card okanye i-debit card: swayipha ikhadi xa uhamba nomthengisi okanye uthayiphe kwinombolo yakho yekhadi ukuba uthengela i-intanethi.
Uvela phi imali? Ukuchitha imali ngekhadi elihlawulwa kuqala, kufuneka uqale "ulayishe" ikhadi ngemali - njengokuba kufuneka uhlawule ibhetri phambi kokuba usebenzise amandla kuwo. Unokongeza imali kwikhadi xa uthenge ikhadi (amanye amakhadi ayenzelwe ukusetyenziswa kwexesha elilodwa, kwaye uza nexabiso le $ 100, umzekelo), okanye ungongeza imali emva koko. Ngamakhadi athile ahlawulwe, ungaphinda ulayishe kwakhona, usebenzisa enye yeendlela ezilandelayo:
- Misela idipozithi ngqo kwikhadi
- Yenza imali kwivenkile yokuthengisa engenakongeza imali kwikhadi lakho
- Ukufakela isheke kunye neprogram edibene nekhadi lakho ( ngokuthatha isithombe sesheke )
- Dlulisa imali kwi-akhawunti yakho yebhanki kwikhadi lakho lokubhadela
Emva kokuba ungeze imali kwikhadi lakho, ungayichitha loo mali uze ukhuphe imali kwiATM. Kodwa amakhadi ahlawulwe ngokukhawuleza asebenza ngokwahlukileyo kumakhadi-ngxowa-mali: ngekhadi elihlawulwa ngaphambili awukwazi ukuchitha imali ongenayo.
Emva kokuba usebenzisa zonke iimali ezilayishiwe, ikhadi aliyi kusebenza kude ulayishe ngaphezulu (nangona amanye amakhadi anika ukukhuselwa kwe-overdraft kunye neempawu ezifanayo).
Kutheni Usebenzisa iKhadi Lokubhadela?
Amakhadi okubhadela afumana ngaphezulu kwaye adumile rhoqo imihla. Ezinye zezizathu zibandakanya:
Akukho mfuneko yokuthenga ngetyala: nabani na onako "ukufaneleka" ukusebenzisa ikhadi elihlawulwa kuqala. Ngenxa yokuba awuboleki imali, umnikeli wekhadi akayi kuhlola iqaku lakho lekredithi ngaphambi kokukhupha ikhadi. Oku kubaluleke nakakhulu kubantu abanekhredithi engaphantsi-egqibeleleyo, kubandakanywa nabantu abaselula abangazange bakhiwe i-credit yabo. Abanye abantu baze benze ukhetho lokuphila ubomi bengenawo amatyala (okanye izikolo zesikolo) . Nangona kunjalo, abanye abathengi abaneembali zokubheka iimeko ezibi baye babika ubunzima ngabakhipha amakhadi athile.
Ulawulo lwenkcitho: ukuba amakhadi enkokredi ayilindele kakhulu, ikhadi elihlawulwa kuqala lingakunceda ukuba ugweme ukungena kwetyala. Ukuba imali ayilaywanga ekhadini lakho, awukwazi ukuyisebenzisa. Amakhadi okubhadela asebenza kakuhle kubafundi abasebancinini nakwiikholeji, nangona ikhadi elide lokukhawuleza liyakwenza ubuqhetseba. Ingaba usebenzisa ikhadi elihlawulwa kuqala okanye ikhadi lokukhishwa kwebhanki, qiniseka ukuba ufumene ukuba ukhuseleko lwe-overdraft luza kukuvumela ukuba uchithe imali-kwaye ukhubaza loo nto ukuba awufuni.
Ayikho i-akhawunti yebhanki (imirhumo) eyimfuneko: amakhadi ahlawulwayo angasebenza ngenye indlela kwi-akhawunti yokukhangela ebhanki okanye kwimanyano yemboleko. Ukuba awukwazi okanye awuyi kuvula i-akhawunti yokutshekisha (mhlawumbi awunomdla ekusebenziseni ibhanki, okanye mhlawumbi iibhanki azifuni ukuvula i-akhawunti esekelwe kwi-credit yakho okanye ukhangele imbali ebhaliweyo ), ikhadi elihlawulwa kuqala likuvumela ukuba nandipha lula ukuhlawula ngeplastiki. Kwezinye iimeko, amakhadi ahlawulwayo ahlawulwa kakhulu ukuba asebenzise ngaphandle kwe-akhawunti yebhanki. Ekugqibeleni, amakhadi ahlawulwayo anganika ukufikelela kwiinkonzo ezifana nokuhlawulwa kwebhilikhi ye-intanethi kunye nentlawulo yesitokethi yesitokethi - ngaphandle kwemfuneko ye-akhawunti yasebhanki epheleleyo (ewe, unokuhlala ngaphandle kwe-akhawunti yebhanki ).
I-akhawunti engathandabuzekiyo: ukuba unenkxalabo malunga nokukhuseleko okanye ubumfihlo, unokungabaza ukusebenzisa idaybit yakho yansuku zonke okanye ikhadi lekhredithi kwiimeko ezithile.
Ikhadi elihlawulwa kuqala lisebenza kakuhle neakhawunti yokulahla. Mhlawumbi uhamba kwindawo eyaziwa ngokuba yikratshi yecredit card, okanye uza kuthenga izinto ozikhethile ukuba ungasebenzisi ikhadi lakho ledaydayi; ikhadi elihlawulwa kuqala lingenza ukuba ii-akhawunti zakho "eziqhelekileyo" zingabonakali ngexabiso.
Iingxaki ngeeCards ezihlawulwe
Konke kuzwakala kukhulu, ngoko ke kubani? Amakhadi ahlawulwayo aya kufutshane kwiindawo ezimbalwa:
Ukukhuselwa kwabaThengi: Amakhadi ahlawulwayo awanikezeli ukhuseleko oluninzi kubathengi njengemali yemveli kunye namakhadi okukhawuleza. Umzekelo, kwenzekani ukuba inombolo yakho yekhadi isetyenziswe ngobuqhetseba? Yintoni eyenzekayo xa umnikeli wakho wekhadi ehamba ngesisu (imali yakho ayinakuqinisekiswa yi-FDIC ). Ukukhuselwa kwabathengi kuphuculweyo, kwaye abaninzi abaniki bamakhadi banikela ngokuzithandela , kodwa amanye amakhadi anika okungaphezulu kunabanye.
Imirhumo, iintlawulo, iirhafu: nangona izinto ziphucuka, amakhadi ahlawulwayo ayaziwa ngokuba yimali ephakamileyo kunye neeshedyuli zemirhumo. Kwixesha elidlulileyo, ixesha elilodwa lenzekile ukuba lisebenzise i-akhawunti ehlawulwa kuqala ukuba awukwazi ukuvula i-akhawunti kwibhanki okanye kwimanyano yemboleko. Imali ihla, kodwa kufuneka ucinge iindleko uze ucinge ngendlela oza kusebenzisa ngayo ikhadi ngaphambi kokuvula i-akhawunti. Unokufuneka uhlawule rhoqo xa usebenzisa ikhadi, khangela i-balance yakho, yongeza imali, okanye uthethe ngeenkonzo zabathengi. Amanye amakhadi ahlawulisa iimali zokugcina zenyanga. Ukufumana ulwazi oluthe vetshe, funda ngeeKhadi eziKhokhelwa ngaphandle kweeNtlawulo .
Ukwakha ikhredithi: amakhadi ahlawulwayo akuncedi ukwakha i-credit . Bakuvumela ukuba uchithe ngokungathi unayo ikhadi lekhredithi, kodwa umsebenzi wakho awuxeliwe kwi-arhente yokubika ngetyala. Ukuba udinga ukwakha i-credit, qwalasela ukuba okanye akukho khadi lekhredithi (nokuba ngaba uya kuhlawula umrhumo wonyaka) uza kusebenza naluphi na olungcono kunekhadi ehlawulwa kuqala.
Uhlala phi ulondolozo? Amakhadi ahlawulwayo akwenza kube lula ukusebenzisa imali, kodwa kunzima ukugcina imali (ngaphantsi kakhulu ukufumana inzala ) ngaphandle kokuba unayo i-akhawunti yasebhanki. Ukuba ukuhlawula iibhakethi ezimbalwa kwiimali zebhanki kuthetha ukuba uya kuqokelela ukulondoloza kulo lonke unyaka - nangona ukuba yinto yokukhohlisa nje ukuzithengisa - mhlawumbi ixabiso leendleko.
I-slopeery slope kwi-matyala: amakhadi ahlawulwayo kufuneka asebenzise imali yakho- engekho umboleki . Ingcamango kukuba uyayeka ukuyisebenzisa xa ungaphandle kwemali. Kodwa amanye amakhadi akhuthaza ukuba uchithe okungaphezulu kunakho ngokuvumela i-overdrafts (kunye nemali ephezulu). Ukuba awuyikuyilayisha ekhadini lakho - ukuba uyifumana kwangaphambili kwimbuyekezo yakho yentela, umzekelo - uboleka imali kwaye uhlawula ukwenza njalo.