Kubalulekile ukuba uqaphele ukuba ukuphulwa kwedatha ngokwayo akuchaphazeli ngqo ngetyala lakho, kodwa kunokuba lusetyenziswa njani ulwazi olubiweyo, ukuba lisetyenziswe nonke.
Kukho ithuba lokuba inkokhelo yakho ingabandezeleka ngayo yonke into - ingakumbi ukuba ulwazi olubiwe alanele ngokwenza ubusela besazisi. Impembelelo yokwaphulwa kwedatha kuxhomekeke kwindlela yolwazi olubiweyo, olunokuthi luhluke kwizinto ezinobunzima njengekheli le-imeyile okanye njengento ebalulekileyo njengenombolo yakho yokhuseleko loluntu.
Ulwazi oluNtshontsho oluthile
Igama, idilesi, kunye nabazali bokuzalwa bangahlawuliswa ngokuphulwa kwedatha, kodwa olo lwazi lungaze lwanele ukuba isela lenze ubuqhetseba okanye utywala. Nangona kunjalo, isela lingalinga ukusebenzisa le ngcaciso ukuqalisa ukuhlaselwa kwe-phishing kwaye ikunike ulwazi olongezelelweyo, njengenombolo yekhadi lesikweletu, enye ikhadi lekhredithi okanye ulwazi lwe-akhawunti okanye inombolo yokhuseleko lwakho loluntu.
Iibhanki zeeyile ezibiweyo
Idilesi yakho ye-imeyile ayinelisekanga ngokuthe ngqo ukukhwabanisa ngekhadi lesikratshi okanye ukutshintsha ubunikazi bakho. Ukuba idilesi yakho ye-imeyile ibanjwe ukuphulwa kwedatha, isela lingalingela ukuphazamisa ulwazi oluvela kuwe ngokuthumela i-imeyile kuwe ebonakala ngathi ivela kwiziko lemali elifanelekileyo okanye enye ibhizinisi.
Ukuba ucofa iqhagamshelwano kwi- imeyli ye-phishing , ngokuqhelekileyo uthathwa kwiwebhsayithi ye-phishing engathi ibonakale njengewebhusayithi esemthethweni. Ezi zizaziso zisetyenziselwa ukuthatha ulwazi lokungena ngemvume okanye olunye ulwazi lomntu. Ngolwazi, isela lingenza ezinye iintlobo zobuqhetseba.
Musa ukucofa kwiinqununu kwi-imeyile kungakhathaliseki ukuba i-imeyile ingabonakala njani okanye ingqondo yokuphuthuma i-imeyile ingadala.
Qhagamshelana nababolekisi bakho, abathengisi, okanye amanye amashishini ngokuthe ngqo kwi-website yegosa yegosa elikhuselekileyo. Okanye, biza inombolo kumqolo wekhadi lakho lesikweletu okanye kwi-statement yakho yokubakhokisa nangayiphi na inkxalabo enayo malunga ne-akhawunti yakho.
Amagama omsebenzisi kunye namaphasiwedi, iimpendulo zoKhuseleko
Ukulimala kwegama lomsebenzisi elibiweyo kunye nephasiwedi kuxhomekeke kwiwebhusayithi ababiweyo. Ngokucacileyo, igama lomsebenzisi kunye nephasiwedi yebhanki yakho okanye ukungena ngemvume ngekhadi lokuthenga ngetyala kuyinkxalabo kakhulu kunokuba i-akhawunti engekho yezimali. Iinkcukacha zokungena kwi-akhawunti yakho ye-imeyli nazo zingozi ngenxa yokuba isela sinokufumana i-imeyile evela kubhishini abalulekileyo kwaye isebenzise ukufumana ulwazi oluya kubavumela ukuba benze ubuqhetseba okanye ukwebiwa kwezazisi.
Ukuba uyakrokrela ukuba iinkcukacha zakho zokungena zingenakucatshulwa kukuphulaphulwa kwedatha, utshintshe iphasiwedi ngokukhawuleza. Ingqiqo enhle ukutshintsha iiphasiwedi zakho ngezikhathi ezithile, ngokukodwa kwii-akhawunti zakho ezibalulekileyo.
Inani leNkoleko kunye neNombolo yeDebit
Izinombolo zekhadi zetyala kunye neebhanki ezibiwe ukuphulwa kwedatha akunakwanela ukuba isela liwenze ubuqhetseba. Baza kufuna kwakhona igama lakho, umhla wokuphelelwa yisikhathi ekhadini lesikweletu, kunye nenombolo yeCVV (ikhowudi yesithathu okanye enye yenombolo yokukhusela) ukusuka emva kwekhadi lesikweletu.
Ukuba yonke le ngxelo ibiwe ukuphulwa kwedatha, isela lingadala amakhadi ekhredithi kwaye iwasebenzise ukwenza ukuthengwa kobuqhetseba.
Iiphini zePIN ezinokubakho zingabanjelwa ukuphulwa kwedatha. Ezi zinombolo ze-PIN ezingabonakaliyo zingenakunceda isela kuba iiPIN ziya kufuneka zichithwe ngaphambi kokuba zibe kwi-ATM. Ubunzima bokuchithwa kwezi-PINs kuxhomekeke kuhlobo lokubhaliweyo olusetyenziswa. Nangona kunjalo, ukuba isela lichithwe ngempumelelo i-PINs (okanye ukuba ayibhalwanga nantoni na), ulwazi lwakho lwekhadi lungasetyenziselwa ukudala ikhadi lekhredithi elingasetyenziselwa ukurhoxisa imali kwi-ATM.
Ukuba inani lakho lekhredithi okanye lekhadi lokudibanisa libiwe kwiphulaphulo lwedatha libeka iliso iakhawunti yakho kumsebenzi osolisayo. Bika nayiphi na iindleko ezingagunyaziswanga kwibhanki yakho okanye umniki-khadi wesikweletu ngokukhawuleza.
Qhubeka nokwenza iintlawulo zenyanga ezincinane ezifunekayo kwikhadi lakho lesikweletu njengesiqhelo, ngokukodwa ukuba isahlulo sakho sekhadi lesikweletu sakho asizange sichaphazele ukukhwabanisa. Ngaphandle koko, umniki wekhadi lakho lekhredithi angabika iintlawulo ezingekho phantsi kwii-credit bureaus.
Umngcipheko wekhadi lokuthenga ngetyala okanye ukukhangela ubuqhetseba bekhowudi kukho nokuba awuzange ube ngumntu olwaphulo-mthetho. Yiba nomkhwa wokukhangela umsebenzi osolwayo ubuncinane kanye ngenyanga.
IiNombolo zoKhuseleko loLuntu
Izinombolo zokhuseleko loluntu luhlobo oluyingozi kakhulu kolwazi olubiweyo, ingakumbi ukuba isela libize igama lakho kunye nosuku lokuzalwa. Ngombolo yakho yokhuseleko loluntu, isela lingenza ulwaphulo lwezazisi, ukuvula iakhawunti ezintsha kwigama lakho, ukuhlawula iindleko, kwaye ungalokothi wenze nayiphi na intlawulo. Ububi besazisi - nokuba ngaba kuphulwa kwedatha okanye akunjalo-kunokuphazamisa inkokhelo yakho. Ingathatha inyanga, ngamanye amaxesha, nokuba yiminyaka, ukucima impembelelo yobalo besazisi kwaye kufuneka ubeke ixesha kunye nomgudu wokucoca ii-akhawunti ezimbi.
Ukuba ufumana isaziso sokuba inombolo yakho yokhuseleko yentlalo sele ibiwe ukuphulwa kwedatha, qwalasela ngokubeka uqapheli lobuqhetseba kwingxelo yakho yekhredithi. Ukuqaphela ukukhwabanisa kwakuza kubonisa ukuba ishishini liqhubeke liqinisekisa ubungqina bakho ngaphambi kokuvula naziphi na ii-akhawunti ezintsha. Inkqubo ikhululekile kwaye kufuneka yenziwe kuphela kunye ne-bureau ye-credit bureau ukukhusela i-credit yakho kuyo yonke i-credit bureaus.
Enye inketho kukubeka ukukhutshwa kwokhuseleko kwingxelo yakho yekhredithi. Uninzi lwamashishini alinakukhangela ingxelo yakho yekhredithi kuwo onke ngaphandle kokuba uqale ukuphakamisa i-frozen kwingxelo yakho yekredithi. Amashishini anele unayo i-akhawunti kunye kunye namanye arhente karhulumente, angakwazi ukufikelela kwingxelo yengxelo yemboleko ngefriji yokhuseleko. Ababolekisi abafuna ukukhangela i-credit ukuze bavule i-akhawunti bayakukhanyela isicelo somntu onokufumana i-credit.
Iingcebiso ezimbalwa zeNtsholongwane zoLwaphulo lweDatha
Ukuba ufunda ukuba ulwazi lwakho luye lwaba, okanye luye lwabiwe, lubiwe ukuphulwa kwedatha, qalisa ukuthatha amanyathelo angaphezulu ukukhusela i-credit yakho. Ukuba inkampani inikezela ukubeka iliso kwi-credit, yithatha, kodwa ungakulibala ukujonga i-credit yakho kwenye i-credit bureaus kwaye uhlolisise ukuthengiselana kwiakhawunti yakho yekhredithi kunye nekhadi.