Ikhadi lokudityaniswa likhadi elixhunyiwe kwiakhawunti yakho yokukhangela . Ungayisebenzisa kuyo nayiphi na indawo ukuba kwamkelwa ikhadi lekhredithi. Ikuvumela ukuba ufinyelele i-akhawunti yakho kubarhwebi abahlukahlukeneyo kulo lonke idolophu. Ungayisebenzisa kwakhona kwi-ATM.
Kuya kuthatha imali ngqo ngaphandle kokukhangela kwakho. Amakhadi e-Debit anxulumene nelinye leenkampani ezinkulu zekhadi zekrediti kwaye ziya kuba ne-Visa okanye i-MasterCard logo. Uya kufumana iPIN ukukuvumela ukuba usebenzise ikhadi kwivenkile okanye kwi-ATM.
Indlela iKhadi leDebit isebenza ngayo
Xa usebenzisa ikhadi lakho lokubambisa, umrhwebi uya kubamba i-akhawunti yakho ngemali yemali yakho yokuthengiselana. Ibhanki yakho ingakubonisa ukuthengiswa okulindelekileyo kwi-akhawunti yakho. Ezi ziindawo ezigcinwe ngabahwebi. Abarhwebi bazalise ukuthengiselana ngokuthumela ukuthengiselana kwabo kwaye imali ithathwa kwi-akhawunti yakho kwaye ibonisa ukuthengiswa kwakho. Abanye abarhwebi bangathatha ixesha elide ukuba bafake ukuthengiselana, kwaye unakho ukuthengiselana okudweliswe njengemihla embalwa.
Ukuba usebenzisa ikhadi lakho lokutsala kwihotele okanye kwindlu yokuqeshisa imoto, inkampani inokubeka ibamba elikhulu kwi-akhawunti ukukhupha iindleko ezongezelelweyo ongayifumana.
Kubalulekile ukuba uqaphele oku ukuze ungangeni kwindawo apho ikhadi lakho linganqatshwa ngenxa yokubamba. Qinisekisa ukuba unemali eyongezelelweyo kwi-akhawunti yakho xa uyisebenzisa kwihotele okanye ukuqeshisa imoto.
Ukunikezelwa kweeKhadi kwiDitatimenti yakho
Xa ukhangela isitatimenti sakho, ukuthengiselana phantsi ngekhadi yedata kungabonakalisa njengentengiso ye-POS, kunye nomrhwebi odweliswe kwi-akhawunti.
Ukuba ubona ukuthengiswa kwe-ACH, oku kuthetha ukuba imali ihlawulwe ngqo kwi-akhawunti yakho kwaye awuzange usebenzise ikhadi lakho lokubambisa ukugqiba ukuthengiselana kwakho.
Ukuqonda oku kunokukunceda ukuba uzama ukufumanisa ukuba umntu ufikelele i-akhawunti yakho ngaphandle kwemvume yakho. Inokukunceda ukuba uqaphele inkcitho xa kukho into engabhaliweyo ngokuchanekileyo. Ngokomzekelo, iivenkile zokutya ezikufutshane zendawo zingenza ibhizinisi phantsi kwelinye igama.
Amakhadi eDebhu kunye ne-Overdrawing iAkhawunti yakho
Unokwedlula i-akhawunti yakho nge-debit card. Ezinye iibhanki zikuvumela ukuba uhlawulise i-akhawunti yakho kwisixa esithile se dollar kwaye uhlawulise iifizi zentlawulo nganye ehlawulwa kuyo. Ukongezelela, ukuba uhlolisise ngokucacileyo emva koko ubusuku, unokufumana ukukhishwa kwirejista xa usebenzisa i-debit card. Kubalulekile ukugcina ibhalansi kwi-akhawunti ukuze ukwazi ukuba uninzi kangakanani imali.
Ezinye iindleko zinganqumla ibamba phambi kokuba zicime i-akhawunti yakho. Yenza imali ifumaneke kwakhona, oko kuthetha ukuba unokwedlula i-akhawunti yakho xa usebenzisa i-debit card. Ukongeza, isheke angeke sichithwe, esikuvumela ukuba uhlawulwe ngaphezulu. Ukulandelela ukuthenga kwakho ngokwakho kumaphepha okanye nge-app yindlela efanelekileyo yokukhusela imali yakho.
Imirhumo ehambelana neKhadi leDebit
Xa usebenzisa ikhadi lokutsalwa kwi-ATM, unokuba noxanduva lwee-ATM. Ibhanki yakho inokuba neemali ezihambelana nekhadi lakho lokubambisa, kwaye kubalulekile ukuba ufunde ngokucophelela imigaqo ejikelezayo usebenzisa i-debit card. Kukho inkokhelo yenyanga yenkonzo ehambelana nekhadi lokubambisa. Ezinye iibhanki zinokunciphisa inani lokuthengiselana kwemali onayo mahhala inyanga nganye. Nangona ukusetyenziswa kwekhadi lomdaka kuqhelekile, le ntlawulo kunye nezithintelo aziqhelekanga. Unokuqwalasela ukutshintsha iintlobo ze-akhawunti okanye iibhanki ukuba kukho iimali ezihambelana nekhadi lakho lokubambisa, ngokukodwa xa ulinganiselwe kwinani elingaphantsi lokuthengiswa kwekhadi leedbit ngenyanga nganye.
Ukuqapha ngeCredit Debit
Enye yezilumkiso ezinkulu omele uyenze kunye nekhadi lakho lokubambisa kukuqinisekisa ukuba okanye ulwazi lulubiwe.
Ukuba ikhadi lakho libiwe ngokwenyama, kufuneka ubize ibhanki ngokukhawuleza kwaye ukhansele ikhadi. Izigwenxa zinokuthi zidibanise iwebhusayithi kwaye zibambe ulwazi lwekhadi kwaye zisebenzise ukuthenga i-intanethi. Ibhanki yakho inokuthi ikuthumelele ikhadi elitsha lokukhawuleza ngexesha elithile kuba kukho ukuphulwa kwedatha kumrhwebi. Ukuba ufumana ukuthengiswa okungagunyazisiyo kwi-accoun yakho , kufuneka ubize ibhanki ngokukhawuleza ukuze ufumane oko kwenzeka
Enye indlela abaphulaphuli abafumana ngayo ulwazi ngokukhawuleza kwamakhadi. Umntu unokutshintshela ikhadi lakho ngomshini ngokwabo (oku kwenzeka kwiivenkile okanye kwezinye iindawo apho bathatha ikhadi lakho ukusuka kuwe ngokukhawuleza) okanye banokufakela iskrini kumatshini apho usebenzisa ikhadi lakho (njenge-ATM, umshini othengisayo, okanye iBlackBox). Abadlali bayabancinci kwaye badibanisa kakuhle. Akunakuba nzima ukuzibona. Nangona kunjalo, ukuba enye yalezi zibukeka kuwe, ingakumbi apho uswayipha ikhadi, kufuneka usebenzise i-ATM eyahlukeneyo okanye umatshini wokuthengisa. Kubalulekile ukuhlola i-akhawunti yakho rhoqo kwaye ujonge ukuthengiselana okungagunyazisiweyo, kuba kungekudala ubona ingxaki, kuya kuba lula ukulungisa.