Fumana into oyenzayo (ngokukhawuleza)
Unokuba ucinga imeko engathandekiyo: isela lisisebenzisa ikhadi ukucima i-akhawunti yakho yasebhanki, kodwa iindleko ziyaqhubeka zingena. Ngenxa yokuba yonke imali ihambe, ukuhlola kuya kuhlawula kwaye iintlawulo ziya kuguqulwa.
Uya kufuneka uhlawule izigwebo, kwaye nebhanki iya kukukhwela iindleko ze-overdraft . Okubaluleke ngakumbi, abakwa-scammers bangayifumana indlela yokuchitha ngaphezu kokuba unayo kwi-akhawunti yakho.
Unokuphephelela imeko enzima kakhulu ngokulandela amanyathelo angezantsi.
Qhagamshelana neBhanki yakho
Xhagamshelana nebhanki yakho ngokukhawuleza xa kucaca ukuba ikhadi alilahlekanga (ukuba libiwe okanye unika ithemba lokufumana ikhadi elingekho phantsi). Ngokufanelekileyo uya kuba nesitatimende sebhanki esilungileyo nenombolo yefowuni yakho yomniki, okanye ungangena kwi-akhawunti yakho uze ufumane ulwazi loqhagamshelwano kwi-intanethi. Ukungena kwi-akhawunti yakho kwi-intanethi kunceda kakhulu, njengoko kukuvumela ukuba ubone ukuba ikhadi lisetyenzisiwe ekubeni ulahlekile.
Ukuba kufuneka, unokwenza uphando lwewebhu kwiwebhusayithi yomkhuphi wekhadi lakho, kodwa qaphela i-website yekhohlisi enokumiselwa ngenjongo yokubamba abathengi abaxhalabileyo (abo bakhawuleza ukunikezela ngolwazi lwabanye njengeNombolo yoKhuseleko loLuntu , kuba abanalo inombolo yekhadi elisebenzayo).
Qinisekisa ukucofa malunga ncinane ukuze uqiniseke ukuba usetyenziswe kwiziko lewebhu elisemthethweni ngaphandle kobugcisa obuphambili, isipelo, okanye igrammatical, kwaye awuyikubangela naluphi na izilumkiso zokhuseleko ezivela kwisiphequluli sakho sewebhu.
Kwezinye iimeko (ukuba iiveki kunye neebhanki kwiziko elincinci, umzekelo) ungeke ufike kwiibhanki yakho ngqo.
Abanye abanekhontrakthi zekharityhulam nabanikezeli benkonzo abaza kumisa nje ikhadi lakho, kwaye kufuneka ulandele ibhanki yakho ngexesha leeyure.
Yintoni ongayithethayo
Vumela umnikeli wakho wekhadi azi ukuba awunalo ikhadi lakho, nokuba lilahlekile okanye libiwe. Ukuba ubona nayiphi na intsebenziswano engavumelekanga kwi-Intanethi, qi niseka ukuba ubazise. Ukuba ulahlekelwe yikhadi (kwaye awuqondi ukuba libiwe), cela malunga nefriji yesikhashana . Basenokukwazi ukukhubaza ikhadi ngeentsuku ezimbalwa xa kuvela kwiingubo ozigqoke ngeveki ephelileyo. Nangona kunjalo, akusiwo wonke umniki wekhadi onika ifriji yesikhashana, kwaye kunokufuneka ukuba ukhansele ngokupheleleyo ikhadi.
Ingcamango enhle yokulandela kunye nomniki wakho wekhadi ngokubhaliweyo, ingakumbi ukuba ukhathazekile ngekhadi elisetyenziswe ngobuqhetseba. Thumela ileta kumkhupheli uchaza ukuba awunayo ikhadi kwaye kufuneka ikhanselwe. Qinisekisa ukuba uquka umhla oleta, kwaye usebenzise inkonzo yokuhambisa eya kuqinisekisa ukuba ileta yahanjiswa (i-USPS yokufumana i-receipt, okanye inombolo yokulandelela kwenkonzo).
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Ngoku ukuba ikhadi lakho likhutshaziwe, qiniseka ukuba uzazisa nabani na onokuzisebenzisa ngokusemthethweni ukusebenzisa ikhadi. Unokuhlawulwa iintlawulo ezikhokhwayo kwikhadi ngokuzenzekelayo nyanga nganye, kodwa ezo ntlawulo aziyi kuphinda ziqhubeke.
Vumela umqashi wakho azi oku kwangaphambi kwexesha, kwaye unikezele ngenombolo yekhadi yokutshintsha ukuze ukwazi ukuphepha iimali kunye neentloko.
Kwezinye iimeko, ibhanki yakho inokuvumela ukuba iindleko ezimbalwa zifikelele ukuba ezo zindleko zazihlala zishaya ikhadi ngaphambili (kwiinyanga ezintandathu ezedlulileyo, umzekelo). Oku kukunika ixesha elifutshane lokuhlaziya yonke into, kodwa khangela ngebhanki yakho ukuba niqiniseke.
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Ngoku ukuba uyilondoloze ikarhulumente ekusebenziseni ubuqhetseba, unokuzibuza ukuba le nto iza kukubiza njani. Kungenzeka ukuba iindleko zakho kuphela ziya kuba ngumrhumo ohlawulwa kumniki-khadi wakho wekhadi lokutshintsha.
Ukuba ikhadi lisetyenziswe ngobuqhetseba, uxanduva lwakho luxhomekeke kwindlela osebenza ngayo ngokukhawuleza. Umthetho we-Electronic Funds Transfer Act (i-EFTA) uthi awukho uxanduva kwiintlawulo emva kokuxelela ibhanki yakho ukuba ilahlekile ikhadi.
Ukuba kukho nayiphi na intengiselwano ehamba phambi kokuba uxelele ibhanki, unganciphisa ilahleko zakho kwi-$ 50 ngelixa ukwazisa i-bhanki kwiintsuku ezimbini ukuqonda ukuba ikhadi alikho. Ukuba uhamba ngaphaya kwamanqaku amabini, umngcipheko wakho ukwandisa kuma-$ 500 - kodwa kufuneka uxelele ibhanki lakho elilahlekileyo kwikhasi elingama-60 emva kokuba ibhanki ithumele isitatimenti sakho. Ukuba ukwahluleka ukwazisa ibhanki zingadlulanga iintsuku ezingama-60, uxanduva lwakho alupheli; amasela angakwazi ukukrazula iakhawunti yakho kwaye akhuphe nayiphi na imigangatho yemboleko ekhoyo, kwaye ungekho inhlanhla ngaphandle kokuba unesizathu esihle sokungakwazi ukwazisa ibhanki (umzekelo, usibhedlele).
Njengoko ubona, ukukhawuleza ukwenza, ukhuselekileyo.
Kuthekani ukuba unembopheleleko yeentlawulo zamatyala? Amasela ayenokusebenzisa ikhadi ngaphambi kokuba udibanise nebhanki ukukhubaza. Unokuhlala ucela ibhanki ukuba ikhansele ezo ntengiso, kodwa ibhanki ayifanele ukuba ifake isicelo sakho. Ukuba kufuneka utye iityala, qhagamshelana nommeli wakho we- inshurensi ukufumanisa ukuba umgaqo-nkqubo we- inshorensi okanye umnini-mali wakho uza kuhlanganisa nayiphi na ilahleko zakho.