Izinto ezininzi zenzeka phakathi kwexesha othungela ikhadi lakho lekredithi kwaye usayine isiliphu sekhadi lesikweletu. Yonke into eyenzeka emva kweembononongo yenza ukuba ukwazi ukuthenga ngekhadi lakho lesikweledu kunokuya kwibhanki rhoqo xa ufuna ukuchitha imali kumda wakho wesikweletu.
Abantu abambalwa / amaqumrhu abandakanyeka kwintengiso nganye yekhadi lesikweletu:
- Umthengi (wena) onika ikhadi lokuthenga ngetyala ngenkokhelo.
- Umrhwebi uthengisa iimpahla okanye iinkonzo.
- Ibhanki lomrhwebi lithumela ukuthengiswa kwekhadi lesikweletu ukuze kuvunywe.
- Inethiwekhi yentlawulo yekhadi lokuthenga ngetyala yintsebenziswano phakathi kwebhanki yomrhwebi kunye nomniki wekhadi lokuthenga ngetyala.
- Umnikezeli wekhadi lokuthenga ngetyala (credit card) uyamkela kwaye ahlawule ukuthenga.
01 Swayipha iKhadi lakho leKhadi lokuVunywa
Ubonisa ikhadi lakho ngenkokhelo ngokutshiza ikhadi lakho lekredithi kwisiphelo sokuhlawula. I-terminal yokuhlawula ithetha nebhanki labarhwebi ukuba libuze ukuba unokwenza ikhadi lokuthenga ngetyala.
02 Ukuvunyelwa kweKhadi leKharityhulam
Ibhanki lomrhwebi lidibanisa inethiwekhi yecredit card (Visa, MasterCard, American Express, okanye Discover) ukufumana igunya lokuthengwa kwekhadi lesikweletu. Emva koko, inethiwekhi yentlawulo idibanisa nomthengisi wekhadi lokuthenga ikhredithi ukuqinisekisa ukuba ikhadi lekhredithi livumelekile kwaye kukho inkokhelo eyaneleyo yokuthengiselana.
I-American Express kunye nokufumanisa iyinethiwekhi yentlawulo kunye nomniki wekhadi lokuthenga ngetyala, ngoko bavuma ukuthengiswa kwekhadi lesikweletu ngokwabo. I-Visa ne-MasterCard, nangona kunjalo, musa ukukhupha amakhadi enkredithi kwaye kufuneka uqhagamshelane nomniki wekhadi lesikweletu.
Umnikidi wekhadi lokuthenga ngetyala uyabuyisela ikhowudi yokugunyazisa. Ukuba ikhadi lakho lekhredithi liyanqatshwanga, awuyi kuba nesizathu kwintengiso, nje umyalezo owenziwe ngumakhadi. Uya kufuneka uqhagamshelane nomnikeli wakho wekhadi ngokukhawuleza ukufumanisa ukuba kutheni ikhadi lakho linqatshiwe.
Ibhanki yesitolo ithumela ukuxhumana kwabo ngekhompyutha mhlawumbi ngokusebenzisa umnxeba okanye nge-intanethi. Kusenokwenzeka ukuba uye kwivenkile okanye kwindawo yokutyela waza wakuva ukukhangela kunye nokugxotha kwisitishi sekhadi lesikweletu ekunxibelelaneni nebhanki yezorhwebo. Ngoku uyazi ukuba kwenzekani.
03 Ukuvunyelwa kwekhadi lokuthenga ngetyala
Ibhanki lezorhwebo lithumela umyalezo wokuvunywa ukuthengwa kwekhadi lakho lokuthenga ngetyala, iimpapasho zokufumana, usayine, kwaye unokushiya ngokuthenga kwakho.
Xa usayina irisidi kwaye ushiye ivenkile ngokuthenga kwakho, ikhadi lakho lesikweletu liye lagunyazwa kuphela ngenkokhelo. Umrhwebi akahlawulwanga kwaye ikhadi lakho lesikweletu alihlawulwanga. Ukuba uhlola ikhadi lakho lekredithi ngokusesikweni emva kokuba uthenge ukuthenga, intlawulo mhlawumbi ayizange iboniswe kwisihlomelo sakho sokuthengiselana okwamanje. Abanye abakhupha amakhadi ekhredithi baneenkqubo ezininzi zokunika ingxelo eziza kubonisa ukuthengiselana okugunyazisiweyo kwaye kunokunciphisa i-credit yakho ekhoyo ngexabiso lokuthenga kwakho kwangoku. Kungenzeka ukuba awuyi kubona ihlawulwe iintsuku ezimbalwa.
04 Inkqubo yokuPhatha
Ekupheleni kosuku, umthengisi uprinsa uluhlu lwazo zonke iinkcukacha zekhadi lokuthenga ngekhredithi ezenziwe ngaloo mini kwaye zizithumele kwiibhanki zawo. Ibhanki lomrhwebi ke uthumela iintengiso kwi-intanethi yentlawulo efanelekileyo yokucubungula.
05 Umthumeli weKhadi lokuTyala uthumela intlawulo
Inethiwekhi yomnatha wecredit inikezela ukuba ngamnye umniki wekhadi-mboleko azi ukuba iintlawulo zifanelekile. Umnikezeli wekhadi lesikweletu uyagcina intlawulo, intlawulo yokutshintshana, njengenxalenye yesivumelwano sayo nomrhwebi. Abaniki bamakhadi ngekhadi bathabatha inkokhelo yokutshintshana kunye namanethiwekhi ekhadi lekhredithi Ukususela kwi-American Express kunye nokuDumbuka kokubili inethiwekhi yomnatha wekhadi kunye nomniki wekhadi lokuthenga ngetyala, bafumana ukugcina ipesenti ephezulu.
06 Umrhwebi ufumana ukuhlawulwa
Inethiwekhi yomnxeba wekhredithi ithumela intlawulo kwibhanki yomrhwebi eqokelela imali yayo phambi kokufaka iindleko zekhadi lekhredithi kwiakhawunti yomthengisi.
07 Iingxowa-mali zeeNkcazo zeKhadi lokuTyala
Ngenyanga nganye, umniki wekhadi lokuthenga ngetyala uyathumela ibhajethi yeentlawulo ozenzayo ngenyanga. Emva koko, uhlawula enye okanye zonke iintlawulo. Ukuba ukhetha ukuhlawula kuphela isahlulo seerhafu, uya kuhlawula umyinge kwixabiso ongenayo. Umnikezeli wekhadi lomniki-mboleko usebenzisa imali kunye nomdla ohlawulayo ukuhlawula abathengisi njengoko kwenziwa ngokutsha.