Ulwazi lwakho lwekhadi lokuthenga ngetyala lingabiwa ngaphantsi kwempumlo yakho ngaphandle kwekhadi lakho lekhredithi eliye lashiya lakho. Ngelishwa, amaninzi amaxhoba alo hlobo lokuba ngekhadi lesikweletu awafumani ukuba iinkcukacha zabo zekhadi zekhredithi ziye zabiwe de emva kokuba sele isetyenzisiwe ikhadi. Ngokuqhelekileyo, iindleko zekhadi lokuthenga ngetyala ziyimpawu zokuqala zokuba ulwazi lwekhadi lesikweletu libiwe.
Ngethamsanqa, kukho amanyathelo ambalwa ongayithatha ukucima igama lakho kwaye ufumane i-akhawunti yakho yamakhadi e-credit card.
Indlela Amasela abamba ngayo Ulwazi lweKhadi leKhadi
Kwimimandla amaninzi, amasela awabibi ulwazi lakho kwikhadi lekhredithi ngqo kuwe. Endaweni yoko, bayifumana kwenye indawo kwikhenkethi yokucwangcisa amakhadi. Nazi iindlela ezimbalwa iindlela amasela angakwazi ukufikelela kuzo ulwazi lwekhadi lakho lesikweletu.
Ukugxeka kwamanye amabhizinisi . Amasela angaphanga ulwazi lwakho ngokuphulwa kwenkampani apho usebenzise ikhadi lakho lesikweletu okanye inkampani ephethe into ethile yokusetyenziswa kwekhadi lesikweletu. Ekubeni ukuphulwa kwedatha kubhekiselele kwimibutho yonke, ngamanye amaxesha izigidi zabathengi banolwazi lwekhadi lesikweletu. Uninzi lweempazamo zeenkcukacha ze-mega - njenge-Target, i-Depot yasekhaya, i-JP Morgan Chase, kunye ne-Anthem-yenza iindaba eziphambili, kodwa kukho amakhulu (athile) amancinci eenkcukacha esingazange sizive ngazo.
Ukukhwela . I- skimmer yekhadi lesikweleti isisityana esincinci esithatha ulwazi lwakho lwekhadi lesikweletu kwenye into efanelekileyo.
Abaphangi bafihla ngasese i-credit card skimmers ngaphezu kwekhadi lokuthenga ngekhredithi kwizikhululo zegesi kunye nama-ATM aze abuyisele ukufumana ulwazi olufakwe.
Ngamanye amaxesha ikratshi yekhredithi yamatyala eqokelela abashicileli, ama-waitresses, okanye abanye abasebenzi ukuba banqande amakhadi ekwerekhredithi ngamakhasimende. Unika ikhadi lakho lekredithi kwi-cashashi ukuze usebenze kwaye xa ungakhange ukhange, i-cashashi iya kuswayipha ikhadi lakho lesikwelethi kwisixhobo sokukhupha.
Ukufaka i-malware okanye ii-virus kwikhompyuter yakho , ithebhulethi okanye i-smartphone. Hackers ingayilungisa isofthiwe elandelwa kwizinto ezixhaswayo ze-imeyili okanye enye i-software kwaye ihlala kwikhompyutheni yakho. Kwesinye isihlandlo, abahlaseli baxhaphaza u-wi-fi ukuze babambelele abantu ekufakeni i-malware eguqulwe njengesibuyekezo sohlelo lwesofthiwe. Isofthiwe ihlola iifayile zakho okanye ithatha iifowuni zephepha lakho kwaye ithumela umsebenzi kumasela.
Ukukhohlisa . Amasela akha iimbobe zokukhohlisa abathengi ukuba banikele ulwazi lwekhadi lesikweletu. Benza oku ngefowuni, nge-imeyile, ngokusebenzisa iiwebhsayithi ezikhohlisayo, ngamanye amaxesha nangaphandle kwemiyalezo yombhalo . Ngomnye ugaxeko, umzekelo, uqinisekisa ulwazi oluthile kwifowuni ocinga ukuba yile nkonzo yokukhwabanisa kwamakhadi akho. Kubalulekile ukuba unikele kuphela ngekhadi lakho lesikweletu kunye nolunye ulwazi lomntu kuphela kwiintengiso onokuqiniseka ukuba zikhuselekile.
I-dumpster diving endala . Ukulahla amaxwebhu okanye irisidi epheleleyo enekhadi lakho lekhadi lekhredithi elikushicilelweyo likubeka engozini yokuba. Nangona i-dumpster diving ayenzekanga ngokuphindaphindiweyo njengangaphambili, kubalulekile ukuba uqaphele ukuba kungenzeka. Njalo qa lalisa amaxwebhu ngaphambi kokuwagxotha kwi-udoti.
Ngelishwa, awukwazi ukulawula ukuba amashishini alahle iirekhodi zazo. Ukuba bahluleka ukuhlawula iirekhodi eziqulethe ulwazi lwekhadi lesikweletu, ulwazi lusemngciphekweni wokubiwe.
Yintoni Abaphangi Benza Ngolwazi Lwekhadi Lwamakhadi
Ukuba isela lifumana ukufikelela kwekhadi lakho lekhadi lesikweletu, banokuzuza kuyo ngeendlela ezimbalwa ezahlukeneyo, konke kwenza ubomi bunzima kuwe.
Yisebenzise ukwenza ukuthengwa kwe-Intanethi . Amasela angasebenzisa ulwazi lwekhadi lakho lesikweletu ukuthenga izinto kwi-intanethi. Kulula kakhulu ukuba bakwenze oku ukuba nabo banekhowudi yakho ye-zip yokukhokha kunye nekhowudi yokukhusela emva kwekhadi lakho lesikweletu.
Thengisa . Ulwazi lwekhadi lokuthenga ngetyala lingathengiswa kwi-intanethi i-$ 5 ukuya kwi-30 kwi-US, ngokuxhomekeka kohlobo kunye nemali yolwazi esithengiswayo. Ulwazi oluthe xaxa isela, ulwazi olubaluleke kakhulu kwikhadi lakho lesikweletu.
Umzekelo, ulwazi lwekhadi lakho lesikweletu lingathengiswa ngexabiso eliphezulu, ukuba isela linalo negama lakho, idilesi, umhla wokuzalwa, igama lomantombazana, kunye nekhowudi yokukhusela ikhodi ezintathu. Ukukwazi ibhalansi ekhoyo ekhadini lakho kuvumela ukuba isela lihlawulise i-premium ephezulu malunga nolwazi lwe-akhawunti yakho.
Yakha amakhadi ekhredithi . Amasela angenza amakhadi ekhredithi afanelekileyo ngokucwangcisa ulwazi lwekhadi lakho lesikweletu kumakhadi wesipho okanye kwikhadi lekhredithi ehlawulwa. Xa ikhadi liphawulweyo, ukuthengiswa kweenkqubo kunjengoko bekuya kwenzeka ukuba uthengise ikhadi lakho lekhredithi.
Indlela yokwazi ukuba i-Information Card Card yakho iye yabiwa
Olu hlobo lwebadoti bekhadi lokuthenga ngetyala lungahamba lungafumaneki kwiinyanga eziliqela. Akufani nekhadi lokuthenga ngetyala eliboniweyo elikhoyo. Mhlawumbi awuyi kukwazi ukuba uqaphele iirhafu ezingagunyazisiweyo kwiakhawunti yakho yekhadi lesikweletu.
Ungazibali kwibhankini yakho ukuze ubambe iziganeko zokuba ngekhadi lesikweletu. Umnikezeli wakho wekhadi lokuthenga ngetyala unokukufonela okanye akhuphe iakhawunti yakho. ukuba baqaphela ukuthenga ngaphandle kwemikhwa yesiqhelo eqhelekileyo, kodwa ungathathi nto yokuba ibhanki yakho iya kuhlala ikwazisa ngobuqhetseba.
Qaphela rhoqo ikhadi lakho lekhredithi kwaye ngokukhawuleza ubike ukuthengwa kobuqhetseba, kungakhathaliseki ukuba yimali. Akwanele ukuba ufunde ngokuthenga kwakho kanye ngenyanga xa isitatimende sakho sekhadi lesikweletu sifika. Kanye ngeveki ibhetele kwaye imihla ngemihla okanye yonke imihla iya kukuvumela ukuba ubone ukuthengwa kobuqhetseba ngaphambi kokuba isela singenza umonakalo omkhulu kwi-akhawunti yakho.
Maxa wambi amasela enza uvavanyo ukuze abone ukuba yeyiphi idijithi yamakhadi e-credit card asebenzayo ngokwenza umrhumo omncinci wama-dolalri ambalwa okanye iipenki ezingenakwenzeka. Ukuba inkokhelo encinci iphumelele, isela liyabona umsebenzi weenombolo zekhadi lesikweledu kwaye iya kuqhuba ukuthenga okukhulu kunye nolwazi lwekhadi lesikweletu.
Nika ingqalelo kwiindaba ezimalunga neenkohlakalo kunye nokuphulwa kwedatha. Iingxelo zeendaba ziza kubandakanya igama levenkile elichaphazelekayo kwaye umhla okanye uhla uluhlu lwentlambo yedatha lwenzeka. Ukuba uthe wagxothwa ngelo xesha, kukho ithuba lakho lolwazi lwekhadi lesikweletu.
Yintoni ongayenza Ukuba i-Credit card yakho Ulwazi litshontshiwe
Kulula ukwazi ukuba i- credit card yakho yangokubiwe - ikhadi lakho lekredithi liyekile. Akulula kulula ukwazi xa ulwazi lakho lwekhadi lesikweletu libiwe. Ngokuqhelekileyo, uqaphela kuphela iimpawu ezibonisa ukuba ulwazi lwakho lwekhadi lesikweletu libiwe, njengokuthenga okungagunyazisiweyo kwikhadi lakho lesikweletu.
Ukuphonononga ukuthengiswa kwekhadi lakho lokuthenga ngetyala ukwenzela ukuba ubone ukuba kukho na ongayenzanga. Phawula iindleko zobuqhetseba ozifumene. Nangona awufumani nayiphi na ityala lokukhwabanisa, fowuna umniki wekhadi lakho lesikweletu uze ubaxelele ukuba ucinga ukuba ikhadi lakho lekhadi lesikweletu libiwe. Vumela umnikeli wakho wekhadi wazi malunga nayiphi na intsebenzo kwi-akhawunti yakho ongayigunyazisiyo.
Umnikezeli wekhadi lokuthenga ikhredithi uza kucima i-akhawunti yakho yamakhadi endala, ukhiphe ukuthengiswa kwekhredithi esuka kwiakhawunti yakho, kwaye uthumele ikhadi elitsha lekhredithi kunye nenombolo entsha yekhadi lesikweletu.
Qhubeka ubeka iliso ukuthengiswa kwekhadi lakho lesikweletu. Ngokukhawuleza xa uqala ukusebenzisa ikhadi lakho lesikweletu, iinkcukacha zisengozini yokubiwa.
Ngaba Uhlawula Ukuthenga Okukhohlisayo?
Ngokusemthethweni, awukho uxanduva lokuthengwa okungagunyazisiweyo okwenziweyo ngolwazi lwakho lwekhadi lesikweletu elibiweyo - ngelixa ikhenda lakho lekhredithi lisasazo. (Ngamakhadi e-debit, kufuneka unike ingxelo ngemisebenzi engagunyaziswanga kwisithuba seentsuku ezingama-60 kwisitatimende sakho sebhanki sithunyelwe kuwe.)
Kumele unike ingxelo ngeentengiso kumniki-khadi wakho wekhadi ukwenzela ukuba ziphande kwaye zisuse kwi-akhawunti yakho.
Ukugcina iKhadi lakho leKhadi leKhuseleko
Ukuba usebenzisa ikhadi lakho lesikweletu, naluphi na, ulwazi lwakho lusengozini. Sekunjalo, kukho izinto ezininzi ongayenza ukuze ugcine ulwazi lwakho lwekhadi lesikweletu likhuselekile. Oko kuquka ukusetyenziswa kweephasiwedi eziqinileyo, uqaphele malunga nalapho usebenzisa ikhadi lakho lesikweletu, rhoqo usebenzisa iiwebhusayithi ezikhuselekileyo, kwaye ugweme ukugcina iinkcukacha zekhadi lakho lesikweletu kwisiphequluli sakho sewebhu.
Ukukhusela iiAkhawunti ezisebenzisa iKhadi lakho leKhadi
Akunjalo nje ngamakhadi akho ekhredithi asemngciphekweni. Amanye ama-akhawunti abasebenzisa ikhadi lakho lekredithi asemngciphekweni, nawo. Ezi ngxelo zihlala zixabisekileyo kuneenombolo zamakhadi ezikolo. Ibali le-CNBC ukususela ngoJanuwari 2016, libiza iindleko eziqhelekileyo ze-$ 3.78 kwi-akhawunti ye-Uber ngokumalunga neendleko eziqhelekileyo ze-$ 1 ukuya kwi-3.30 yeenkcukacha ezichanekileyo ezifana nomhla wokuzalwa okanye inombolo yokhuseleko loluntu. I-Paypal, iNetflix, i-HBO GO, i-ITunes kunye namanye ama-akhawunti. Ngelishwa, kunzima ukunqanda ukweba ngalezi nkonzo, becinga ukuba abaninzi banokufuna ukugcina ulwazi lwekhadi lakho lesikweletu ukuze ubhalisele i-akhawunti.
Njengoko icandelo lekhadi lekhredithi lihamba kwikharityhulam yekredithi ekhuselweyo ye- EMV , ezinye iintlobo zobusela (njengokwenziwa kobuqhetseba bokubambisa i-akhawunti) ziyakwandisa.
Njengoko iintlawulo zeemoto zihlala ziqhelekileyo, unokulindela ukukhethwa kwe-digital ukukhawuleza ukwandisa. Kusekhona uhlelo lokusebenza lwe-Android oluvumela ukuba amasela angabi ngecala lokungena ngolwazi lwenkokhelo yeselula ngokuma kufuphi nomntu onolwazi lwekhadi lesikweletu egcinwe kwifowuni.