Indlela ohlawula ngayo iindleko ze-overdraft
Ngandlela-thile, nangona usenqatshelwe ukukhuselwa kwe-overdraft, ibhanki yakho yenze nje intlawulo kwaye ihlawulise imali engama-$ 35 nanini.
Ukususela ngo-2010, iibhanki kufuneka zifumane imvume yakho yokubonelela ngokukhuselwa kwe-overdraft kwi-akhawunti yakho . Ngaphambi koko, unayo ukuba uyifunayo okanye awufuni. Ngoku, endaweni yokuphuma, kufuneka ukhethe ukungena kwi- bhanki yakho ukuboleka imali yokukhawulela ukuthengwa kwekhadi lokuthengwa kwemali, ukuthengwa kweekhompyutheni kunye nephepha xa ufutshane kwimali.
Ingcamango yomthetho ka-2010 yayikuthintela i-"$ 39 latte," eyenzekayo xa ibhanki yakho ihlawulise i-$ 35, nokuba ngaba unemizuzu embalwa nje emfutshane ekuthengweni kwekhadi lokuthenga. Uninzi lwabantu, ngokuqondakalayo, lunokukhetha ukufumana indlela eyahlukileyo yokuhlawula, okanye yenza nje ngaphandle kwekhofi.
Iintlobo zeNtengiso
Ukukwazi ukukhupha ukukhuselwa kwe-overdraft kusebenza kuphela kwintsebenzo yesikhathi esisodwa kunye nekhadi lakho lokubambisa. Xa uthengisa kumthengisi, okanye xa uhoxisa imali kwi-ATM, ibhanki yakho iya kuthintela ukuthengiselana ukuba ungaphandle kwemali, kwaye awuyi kuhlawulwa nayiphi na imali.
Kodwa ezinye iintlobo zentengiselwano zingabangela iingxaki. Kwezinye iimeko, ukuthengiselana kuya kucutshungulwa nokuba ngaba ukhethe ukukhuselwa kwe-overdraft kwaye unayo imali ekhoyo . Xa oko kwenzeka, uya kuhlawula intlawulo efana nokuhlawulwa kwe-overdraft kwaye kuya kufuneka ufike ngemali ukubuyisela i-akhawunti yakho ibhalansi ngasentla.
Kwezinye iimeko, ibhanki yakho iya kulahla ukuthengiselana, kodwa uya kuhlawuliswa umrhumo wemali enganeleyo .
Iintlawulo eziphindaphindiweyo: Xa ubhalisa kwiintlawulo zekhompyutha ngokuzenzekelayo, ibhanki yakho inokucwangcisa ezo ntlawulo nangona ungenayo imali eyaneleyo. Ngokomzekelo, unakho ukuhlawula umrhumo wenyanga kubhalwa kwikhadi lakho lokubambisa, okanye unakho ukuhlawula iindleko zenyanga ze-inshorensi nganye ngenyanga ngqo kwi-akhawunti yakho yokujonga nge-ACH .
Iintlawulo ngokuthi "tshekisha": iireki ziyamangalisa ngokuqhelekileyo, kwaye unako ukuhlawula ngetekethi nangona ungabhalwanga isheke. Inkqubo yakho yokuhlawula imali yebhanki ye- intanethi ngamanye amaxesha iprints kwaye i-imeyile ikuhlola. Ingaba wenza loo ndlela endala okanye uvumele ibhanki yakho ibambe, ubeka umngcipheko wokubamba isheke . Naliphi na i-check-off off that are not regular payments payers can be processed by your bank, okubangela ukuba ibhalansi ye-akhawunti engalunganga kunye nemali ephezulu.
Fumana indlela ibhanki yakho isebenza ngayo le meko. Ibhanki ngalinye liyahlukileyo kwaye abanye balahla nje iintlawulo zenyanga xa uchitha imali, ngelixa abanye bebavumela ukuba bahambe. Qhagamshelana nebhanki yakho kwaye ubuze imiphi imigaqo ekhoyo kwi-akhawunti yakho.
U kuphepha Ingxaki
Nangona ibhanki yakho ingenakwenza okuninzi ukukunceda, unokwenza izinto ezimbalwa ukuphepha iimali.
Gcina i-akhawunti yakho ukuze uhlale wazi ukuba imali ikhona. Ukuba uhamba phantsi, qinisekisa ukuba akukho ntlawulo ihlawula i-akhawunti uze udibanise imali, okanye uthumele imali ukusuka kwenye i-akhawunti . Ukuba ulinganisela i-akhawunti yakho, uya kuqonda ukuba kungena imali kwaye uphume nangaphambi kokuba ibhanki yakho iyenze.
Bhalisela izilumkiso ezikuxelela xa uhlawule ngemali okanye xa ukuhlola kuqalisa ukuhlawula. Umyalezo obhaliweyo okanye i-imeyile unokukunceda ukuyeka ukuphuma.
Ukuba awukwazi ukubetha 'em, qhafaza' em . Imirhumo ye-Overdraft kunye neendleko ezingenamsebenzi zindleko, kwaye kulukhuni ukukhupha iindleko zakho ngenyanga ezayo . Kufuneka uchithe ngeendlela zakho, kodwa kufuneka kwakhona unciphise imali yebhanki. Ingakumbi ukuba unayo imali yokugcina imali kodwa ubalekele ukuyidlulisela, khangela ukuba ibhanki yakho inikeza uhlobo olubizayo lokukhusela i-overdraft.
Unako ukukwazi ukufumana imali eyabhalwa kwi-savings malunga ne-$ 10, okanye unakho ukuhlawula ngaphantsi kwe- creditdraw line line .