Ikhadi lakho le-ATM kunye noBubi besazisi

Abadlali abakhathaleliyo, kodwa kufuneka

Kwiminyaka ngoku umgca uphazamise phakathi kwamakhadi ekhredithi kunye namakhadi e-ATM (okanye i-debit card) . Nangona basebenza okufanayo kumatshini wokuThengiswa kweThengiswa-(Sale) kunye nomshini wakho webhanki, okanye umtshini wokutshintsha ngokuzenzekelayo (ATM) , ukusuka kwesazisi yobungakanani kubakho umehluko omkhulu, nangona zombini iintlobo zamakhadi zinokubiwa " ". Kungenxa yokuba ikhadi lakho linesigqibo seVisa okanye i-MasterCard ekhoneni elingezantsi alikho isiqinisekiso sokuba imali yakho iphephile.

Umehluko ophezulu

Xa uswayipha ikhadi lekhredithi kwivenkile okanye ipompo yegesi, inkampani yekhadi lesikweletu ihlawula ibhilikhi kwaye ikuvumela ukuba uyihlawule emva kwexesha. Xa bephuma neengcamango, kwakuyindlela ephakamileyo yokukhusela imali yakho, kuba awuzange uphinde uphathe imali. Ukuba ikhadi lakho lekhredithi libiwe, unokufumana elinye. Ewe, namhlanje ibali ehluke ngokupheleleyo. Ukuba umntu uthatha ikhadi lakho lesikwerethi angakwazi ukukhawuleza ibhajethi enkulu kwaye mhlawumbi uza kuchitha ixesha elininzi kunye namandla ukuzama ukuhlambulula umonakalo. Ngaphandle koko, unokungeniswa kwingxelo yamagunya okubika ngetyala (okanye ii-CRA) njenge-Experian, kwaye unzima ukufumana ikhredithi kwikamva.

Kodwa into ebalulekileyo ukuba uyikhumbule ngamakhadi ekhredithi kukuba xa usebenzisa, wenza isithembiso kwikhamera yekhadi lesikweletu oya kubahlawula. Ngamanye amazwi, awuyikuchitha imali yakho okwamanje.

Xa uswayipha ikhadi lakho lokubambisa , unika isikhululo segesi okanye u-Wal-Mart ukufikelela kwi-akhawunti yakho yebhanki ukuze bakwazi ukuthatha imali yokuthenga kwakho.

Xa imali yakho ihambe, unokuba nzima ukuyibuyisela. Enyanisweni, xa ubika ikhadi lakho le-ATM libiwe, linga kuthatha iinyanga ezimbini ukubuyisela imali yakho. Kwaye kuphela ukuba uphando lwenbhanki luhamba.

Izikhwama ze-ATM ze-Tech Tech

Ezinye izela zesazisi njengeendlela eziphantsi kwezobuchwepheshe, uzama ukweba ikhadi lakho le-ATM ngokubeka ipandeti yeplastiki okanye i-glue kwikrodi yekhadi.

Oku kunokubangela ukuba i-ATM icele i-PIN yakho ngokuphindaphindiweyo, yenza kube lula umntu ukuba akhangele ehlombe lakho xa uthayipha. Ngeglue kwi-slot yekhadi, ikhadi linokuthi linamathele kwi-ATM. Isela lesazisi ngokuqhelekileyo limi emva kwakho elinde ukusebenzisa umatshini. Xa bebona inkathazo enayo, baba luncedo kakhulu kwaye bathi into efana nale nto, "Lo mshini uhlala wenza njalo. Mane uthayiphe iPIN yakho kathathu kwaye iya kukhupha ikhadi lakho." Ngokuqinisekileyo, oku akusebenzi, ngoko bazinikela ukubukela umatshini ngelixa uhamba ufumana uncedo. Ngokukhawuleza xa ungabonakali, baya kutsala iipilisi zeepayipi okanye iipilisi zeempumlo eziphuma ephaketheni labo, zikhawuleze ikhadi lakho, kwaye zithengise.

Ngokucacileyo, ukuba unenkathazo ngomshini we-ATM, qaphela ukuba ngubani othembelayo ukuba kufuneka uhambe kuyo. Ukhuseleko okanye ipolisa ngokuqhelekileyo ibhetri yakho ibhetele.

Izikhwama ze-ATM eziphezulu

Ikhadi "ukukhwabanisa" yindlela eyaziwayo yokuba ngamasela azisiweyo ukuze uthole ulwazi lwekhadi lakho le-ATM. Ngamanye amaxesha bafaka isixhobo kumatshini we-ATM ngokwawo. Umgca ukhangeleka njengengxenye yomatshini kwaye unokuba nzima ukuba ukhangele. Xa ufaka ikhadi lakho kumatshini, lidlula kuqala kwiskrini. Xa ukuthengiselana kwakho kwenziwa ufumana ikhadi lakho kwakhona akukho bulumko.

Isela lesazisi liza kuqokelela i-skimmer kamva, kunye nenombolo yakho yekhadi kunye nayo. Okanye, i-skimmer ingaba nefowuni encinane yeBluetooth. Ukuba ngaba kunjalo, isela lesazisi alinakuze liqokelele i-skimmer kodwa sondela ngokukhawuleza ukukhuphela ulwazi. Ngoku kutshanje, iifowuni zifunyenwe kwiipompo zegesi.

Iingcebiso eziqhelekileyo zeSense

• Musa ukuthembela nabani na ngekhadi lakho. Ukuba uyayinikela kumntu oshicilelweyo, umncedisi / umncedisi, okanye impendulo yenkonzo yabathengi , zigcine zibonakala. Yaye khumbula, ukuba uvumela omnye umntu ukuba asebenzise ikhadi lakho kwaye achithe ngaphezu kokufunayo, kuya kuba nzima ukubuyisela imali yakho ebhanki. Nokuba iinkampani zekhadi zekredithi ziza kukuhlawula umsebenzisi ogunyazisiweyo "uchitha imali".
• Musa ukumthemba umntu ongaziwayo. AmaSamariya amahle asekho, kodwa amaninzi amaninzi aya kuba ngumntu onqwenela ukunceda ngexesha lokufuna.

• Sebenzisa iakhadi yamatyala endaweni. Kulula kakhulu ukuxelela inkampani yekhadi lekhredithi uza kuhlawula ibhilikhwe ukuba ibuyisele imali yakho ebhanini, kunye nemithetho ekhoyo ukukhusela abathengi.
• Sebenzisa imali endaweni. Emva kwakho konke, ukuba isela lesazisi lilahlekelwe yimali yonke elahlekile yimali ayithathileyo. Uninzi lweendawo zithatha imali kwaye ngokuqhelekileyo akumele ube ne-ID.
• Jonga ngeekhamera. Ukuba unako ukubona ikhamera apho usebenzisa ikhadi lakho, amathuba okuba isela lingumntu oyenaye uza kuba kwifilimu yokubeka ifowuni yokucoca. Oku akuqinisekisile ukhuseleko, kodwa iziza zobungqina zivame ukuba yintlanzi yeekhamera ngezizathu ezicacileyo.
• Sebenzisa iiATM ezithembekileyo. Ubhedu bakho obufanelekileyo kukusebenzisa oomatshini ebhankini yakho. Enye ibhanki iyona khetho yesibini ekhethekileyo. Sebenzisa ii-ATM ezizimeleyo kuphela xa kufuneka.
• Ifowuni yakho ngumhlobo wakho. Ukugcina iinombolo zefowuni zeenkampani zakho zebhanki kunye nekhadi lekhredithi kwifowuni kukuvumela ukuba uqhagamshelane nabo ngokukhawuleza xa kwenzeka okuthile kumakhadi akho. Unxibelelwano luyisitshixo ekujonganeni nebhanki yakho ukuba kwenzeka ntoni kuwe.