Xa unikezela okanye ufumana ikhadi lesipho, into yokugqibela oyifunayo ibhalansi ukunyamalala ngokukhawuleza kuba umniki-mali uchithe iifizi. Kwixesha elidlulileyo, abamukeli bekhadi lesipho babenelungelo elihle lokuba neemali zabo zekhadi lesipho nangona amakhadi ayenokubakho kwiinyanga zabo.
Abaxhasi bekhadi lesipho baya kuhlawulisa inkonzo kunye neentlawulo zokungasebenzi kwiakhadi zesipho ezingasetyenziswanga ngexesha elithile.
Amanye amakhadi wesipho ayedlulelwe. Ngombulelo, i-Federal Reserve yenze imithetho yokukhusela oku kungenzeki kumkeli wamakhadi.
Imithetho yeKhadi leKhadi yokuPhelelwa kweMali kunye neMali
Icandelo le- Credit CARD Act ka-2009 lifuna i-Federal Reserve ukuba ifike nemithetho yamakhadi wesipho ukugcina abathengi belahlekelwa imali yabo yekhadi lesipho. Emva kokufumana ingxelo evela kubathengi, amaqela abathengi, abaniki bamakhadi, abavakalisi bamashishini, kunye nommeli jikelele wegosa, i-Federal Reserve iphakanyisile le mithetho:
- Amakhadi enkonzo aphela kuphela emva kweminyaka emihlanu emva komhla ekuthengwe ngawo kwikhasi okanye imali yokugqibela elayishwe ekhadini. Ukuba ikhadi kunye nemali engaphantsi kwayo iphelelwa ngamaxesha ahlukeneyo, umnikeli wekhadi kufuneka azenzele ukuba yeyiphi umhla osebenzayo. Akufanele uhlawuliswe umrhumo wokutshintsha ikhadi lakho ukuba liphelelwa lixesha ngaphambi kokuba iiphantsi zemali iphelelwe (ngaphantsi kweminyaka emihlanu).
- Abaxhasi bangahlawulisa kuphela imali yokungasebenzi kwikhadi lesipho xa ikhadi lingazange lisetyenziswe ngomnyaka owodwa. Inkokhelo enye yenkonzo okanye umrhumo wokungahlawulwanga ungahlawulwa ngenyanga nganye.
- Ekugqibeleni, abathengi kufuneka baqaphele zonke iimali zekhadi lesipho. Ingcaciso yokuphela kunye neentlawulo kufuneka iboniswe kwikhadi kwaye umthengisi othengisa ikhadi kufuneka achaze ukuchazwa phambi kokuthengisa ikhadi.
Imirhumo yenkonzo ingabandakanya iifizi zokuthengiselana ezithile ezifana nophenyo lwemali, umrhumo wokubuyisela umrhumo, okanye umrhumo wokukhishwa kwe-ATM.
I-Gift Card Rule ngaphandle
Le mithetho iyasebenza kumakhadi esipho sokuthengisa kunye neVisa, MasterCard, i-American Express, kwaye Fumana amakhadi wesipho. Akubandakanyi amakhadi efoni alayishwayo, amakhadi anikwe endaweni yetikiti zokungenisa, amakhadi wesipho somsebenzi, okanye amakhadi wesipho athengwa ukusetyenziswa kweshishini.
Imithetho Yemivuzo Yesizwe
I-Federal Reserve ithi ezinye iimeko sele zineemithetho ezikhawulelisayo iimirhumo kumakhadi wesipho kunye nokuthintela kwixesha lokuphela kwekhadi. Nangona kunjalo, inkoliso yale mithetho ivumela kuphela ukugcina amakhadi wesipho kunye neengcaka zesipho zebhanki njengalezo zivela kwi-American Express kunye neVisa. Umthetho welizwe usebenza xa unikezela ukhuseleko olukhulu kunomthetho waseSweden.
Indlela Yokugcina Ukulahlekelwa Iifowuni Zakho ZesiKhadi
Indlela elula yokugcina imali yekhadi lakho lesipho kukusebenzisa ikhadi lakho lesipho, ubuncinane kanye kanye ngonyaka. Gcina amakhadi akho ndawonye ukuze uhlale ukhunjuzwa okufuneka usebenzise. Ungathengisa okanye uthengise amakhadi wesipho awucinga ukuba uya kusebenzisa kwisayithi efana neKhadiPool.com. Qinisekisa ukuba uqinisekisa ibhalansi ngaphambi kokuthengisa ikhadi lakho lesipho.