Ikhadi lakho lokubambisa lenza kube lula ukuyichitha usebenzisa i-akhawunti yakho yokutshekisha, kunye namakhadi e-debit avunyelwe phantse kuyo yonke indawo yamakhadi e-credit. Kodwa ukuba unakho ukhetho lokusebenzisa ikhadi lekhredithi, mhlawumbi ukhuselekile ukusebenzisa i-credit- ngakumbi xa uthengela i-intanethi.
Indlela yokusebenzisa i-Debit Card Online
- Faka inombolo: Nika inombolo yakho yekhadi yebhanki , inombolo yeenombolo ezili-16 ukuba unayo iVisa, Mastercard, okanye Discover. Kwakhona, unako ukungena kwinombolo yekhadi yebhanki nangona umrhwebi ecela "ikhadi lekhredithi."
- Qinisekisa iinkcukacha: Ukongeza kwinqanaba lekhadi, abaninzi abathengisi bafuna uhlobo oluthile lokuqinisekisa ukunciphisa amathuba okukhwabanisa. Ukwenza njalo, faka ikhowudi yokukhusela (ngokuqhelekileyo emva kwekhadi lakho ) kunye nayiphi na idilesi efunekayo - ikhowudi yefowuni oyifakayo kufuneka ifane nedilesi kwifayile kwibhanki yakho.
Ngokungafani nokuthengwa kwikhompyutha yokukhangela, awudingi ukunika iPIN yakho. Ukuthengwa kwe-intanethi kuya kuqhutyelwa njenge- "credit" yokuthengiselana , kwaye imali iya kuncitshiswa kwi- akhawunti yakho yokujonga kwiintsuku ezimbalwa zoshishino.
Kukho iimeko ezimbalwa xa kufuneka i-credit card yangempela (enye ihotele kunye nee-arhente zemoto eziqashisayo ziya kwamkela kuphela ikhadi lekhredithi - okanye zizakuvala iifowuni kwi-akhawunti yakho yokujonga ), kodwa iakhadikhadi yeebhanki ifanelekile kwiintengiso ezininzi. Iinkonzo ezininzi ze-inthanethi ezifana ne-iTunes kunye ne-Netflix ziya kwamkela nokuba, kwaye abayi kukwazi okanye bakhathalele ukuba usebenzisa ikhadi lokukhwabanisa.
Amakhadi e-Debit zixhobo ezifanelekileyo zokugcina iindleko zakho eziphantsi kunye nokulawula imali yakho.
Abafikanga nemirhumo ephakamileyo yenyanga nganye efumaneka kwiikhadi lekredithi, kwaye ayikuvumeli ukuba uhlawule ityala kwiirhafu eziphezulu. Nangona kunjalo, kukho iinzuzo zokusebenzisa amakhadi ekwereta.
Xa iiKhadi zeMatyala zilunge
Kungenxa yokuba unako ukulandelelanisa inthanethi ngekhadi yebhanki kwi-intanethi akuthethi ukuba kufuneka .
Ukuthengwa kwe-intanethi kukubonisa ingozi ethile, ingakumbi ingozi yokuba ulwazi lwakho lwekhadi luzabiwe (loo mngcipheko ubukho kwiivenkile zezitena kunye nomdaka , kodwa akulula kubachweli ukuba bathabathe idatha yakho).
Ikhadi lakho lokubambisa likhangela imali ngqo kwi-akhawunti yakho yokujonga. Ukuba umntu usebenzisa inombolo yekhadi lakho ukwenza ukuthengwa kobuqhetseba, i-akhawunti yakho iya kupheliswa. Oko kuthetha ukuba kuya kuba nzima (okanye akunakwenzeka) ukuhlawula iindleko zakho , njengentlawulo, ukuboleka imali, izibonelelo kunye nokutya.
Ukuba ulwazi lwekhadi lakho lisetyenziswe ngobuqhetseba, unokukhuselwa phantsi komthetho wesigqeba, kodwa ukubuyisela imali yakho kwi-akhawunti yakho yasebhanki kuyinkqubo ebuhlungu kunye neyobuhlungu.
Ukuba ukuphuma kwemali kwi-akhawunti yakho yokukhangela kuya kuba yingxaki, sebenzisa ikhadi lekhredithi yokuthenga kwansuku zonke endaweni.
Ikhadi lesikwereti lidala ityala omele ulibuyisele yona, kodwa ayikhiphi imali ngaphandle kweakhawunti yakho yokujonga ngaphandle kolwazi lwakho. Amasela achitha imali yomniki-makhadi esikhundleni sakho, kwaye unokufumana yonke into ecacileyo xa ugcina i-akhawunti yakho yokujonga ingakhange ifakwe. Ngamanye amagama, amakhadi ekwereta adibanisa ukhuseleko olongezelelweyo kumasela. Ngaphezu koko, xa ikhadi lakho lekhredithi lisetyenziselwa ubuqhetseba, uxanduva lwakho lukhawulelwe kuma-$ 50, ngelixa i-debit card ubuqhetseba inokubangela imali eninzi (ingakumbi ukuba ungabonakali umsebenzi wokukhwabanisa ngokukhawuleza).
Indlela Yokuhlala Ukhuselekile usebenzisa iKhadi lakho lokuTyala
Ukunciphisa ubunzima beengxaki, landela imithetho ekhuselekileyo yokukhusela.
- Khangela ikhekhi: Qinisekisa ukuba uthengisa kwiwebhusayithi ekhuselekileyo, ngakumbi xa ixesha lokufaka inombolo yakho yekhadi. Khangela uphawu lwekhikhi kwisiphequluli sakho kwaye uqaphele nasiphi na izilumkiso zokhuseleko ezikhulayo.
- Jonga i-akhawunti yakho: Kuhlala kuluvo oluhle lokugcina iithebhu kwimali yakho, kwaye kubaluleke kakhulu xa ubelana ngolwazi nge-akhawunti kwi-intanethi. Hlola rhoqo ii-akhawunti zakho (kanye ngenyanga ngeyona nto ingabonakali - ngokuqhelekileyo kulunge ngakumbi). Hlela izilumkiso kwi-akhawunti yakho ukuze wazi xa imali iphuma.
- Sebenzisa uxhulumaniso olukhuselekileyo: Iifowuni zefowuni kunye ne-Wi-Fi yamahhala yenza kube lula ukwenza izinto zenzeke. Kodwa awunakukwazi ukukhusela i-hotspot yoluntu . Ukuba uya kufumana ii-akhawunti zezimali okanye i-punch kumanani ekhadi, gcina loo mi sebenzi xa usendlini okanye emsebenzini kwaye uyazi ukuba i-traffic yakho iphephile.
UkuKhuselwa kweKhadi leMali
Umthetho we-Federal unikezela ukhuselo lokukhwabanisa kwi-akhawunti yakho yokujonga, kodwa kufuneka ubike ingxaki ngokukhawuleza. Ukuba ubona ingxaki kwaye uxelele ibhanki yakho, uxanduva lwakho lunokuthi lugqibe:
- Unoxanduva lokufikelela kwi-$ 50 ukuba ubiza ibhanki yakho ngaphakathi kweentsuku ezimbini zokusetyenziswa kobuqhetseba.
- Unoxanduva lokufikelela kwi-$ 500 xa ubika ingxaki kwiintsuku ezingama-60.
- Unokubanjwa i-100% enoxanduva ukuba awuyibiki ingxaki kwiintsuku ezingama-60.
Amanye amakhadi okukhawuleza athola ukhuseleko olongezelelweyo kumkhupheli wekhadi, ngoko ukhuselekileyo kunokuba umthetho wesigqeba ufuna. Ezi nkonzo zivame ukubizwa ngokuthi "iimbopheleleko zerhafu" okanye ezifanayo.
Nangona kunjalo, ikhadi lakho lisakudonsa kwi-akhawunti yakho yokujonga-ngoko kuya kufuneka ulinde ubuncinane iintsuku ukuba ufumane imali yakho. Ukuba i-akhawunti yakho yokutshekisha iyasebenza kwizinto ezingenanto, eziza kubangela i-domino effect.
Ukuba usebenzisa ikhadi lokukhwabanisa kuqala (ngokuchasene nomnye oza nekhawunti yakho yokutshekisha), unokufumana ukhuseleko oluncinci kunokuba uchazwe ngasentla - ke qiniseka ukuba uphando ngemigaqo yekhadi lakho ngaphambi kokuyisebenzisa kwi-Intanethi.
Ngaba I-Intanethi Iyingozi Kakhulu?
Ukusebenzisa i-debit card kwi-intanethi akuyona indlela yodwa yokukhupha. Amasela angaba ulwazi lwekhadi lakho kwiivenkile zezitena kunye nezidaka, ii-ATM, iipompo zegesi, okanye naphi na. Basenokukukhupha kunye ncediso lwefowuni yokukhwela okanye ngokukhahlela kwinkqubo yokuhlawula umthengi kude.
Ukunikezelwa konke oko, akufanele ukwesaba ukubetha inombolo yakho yekhadi ye-debit kwi-intanethi - ukuthengwa kukhuselekileyo kwiwebhusayithi ephephile. Kodwa ukuba unakho ukhetho, ikhadi lekhredithi lilungele ukuchitha kwansuku zonke (kunye nokuthengwa kwe-intanethi) - qi niqiniseke ukuba uhlawula ikhadi nganye nyanga ukuze ungahlawuli iindleko zemali. Ngokukodwa xa ungaqhelani nomrhwebi okanye ungathengi kwiwebsite enkulu, kuyingozi ukubonelela nayiphi na inombolo yekhadi lombolo. Ukuba ufuna ukukhusela okukhuselekileyo, faka olunye uluhlu phakathi kwakho nomrhwebi kwaye uhlawule nge-PayPal okanye inkonzo efanayo (kodwa inokuthenjwa).