Ukufumanisa kwangaphambili ukukhwabanisa kwekhadi lokuthenga ngetyala kukubalulekileyo ekunciphiseni umonakalo isela lingakwenza kwi-akhawunti yakho. Ukuba ikhadi lakho lesikweletu lilahlekile okanye libiwe, ikhadi lakho lekredithi elilahlekanga liyakukuqaphela ukuba kufuneka udibanise nomnikeli wakho wekhadi lesikweletu. Umboleki wakho angakhansela i-akhawunti yakho kwaye akhiphe ikhadi entsha yekhredithi ngenombolo entsha ye-akhawunti ukukhusela iindleko zobuqhetseba ezenziwa kwi-akhawunti yakho.
Lezi zintsuku ziyakwazi ukweba ulwazi lwekhadi lakho lesikweletu, ngaphandle kokuthintela ikhadi lakho lesikweletu, kwaye usenza iifayili zenkohliso kwi-akhawunti yakho.
Ezi zityholo ziyanzima ukufumana ekubeni ikhadi lakho lekhredithi alilahlekanga. Ukufumana isaziso sobuqhetseba bexesha lokukhwabanisa kwikhadi lakho lekhredithi liya kukuphawula ngomsebenzi osolisayo kwi-akhawunti yakho kwaye kukunike ithuba lokuqhagamshelana nomnikeli wakho wekhadi lokuthenga ngetyala ukuyeka ezinye iindleko ezingagunyaziswanga .
Kutheni i-Plain Monitoring Isingenakwenzeka
Usenokuba usayinele inkonzo yokujonga ngetyala ekwazisa xa ingxelo yakho yeengxelo zemboleko ishintshile. Nangona kunjalo, lolu hlobo lokubeka iliso aluvumeli ukuba uphendule ngokukhawuleza ngokwaneleyo ukukhwabanisa ngekhadi lesikweletu. Kungenxa yokuba ukuhlolwa kweengxowa-mali kukwazisa kuphela xa umsebenzi we-akhawunti osolisayo ubonisa ingxelo yengxelo yakho yekredithi, okungenakuba yimihla embalwa okanye iiveki. Ukulibaziseka kwesaziso kwenza kube nzima ukubamba ubuqhetseba ngaphambi kokuphuma.
Ngaphezu koko, ukubeka iliso kwesikweledu kukukwazisa kuphela utshintsho kwingxelo yakho yekhredithi, njengokunyuka kwekhadi lesikweletu.
Ingxelo ephakamileyo ephezulu ingenakwanela ukukwazisa xa iakhawunti yakho yekhadi lekhredithi ithe yachithwa.
Ungayibhalisa njani iKharity Credit Card
Ukukhwabanisa kwekhadi lokuthenga ngetyala kubangela ukuba abaniki bamakhadi bekhredithi baninzi - mhlawumbi nangaphezulu - kunokuba bathengi. Kuqondakala nje ukuba abakhupheli bekhadi lokuthenga ngetyala baya kunika iinkonzo ezininzi ukunceda abanikazi bamakhadi ukuba bafumane kwaye babike ubuqhetseba bamakhadi esikweletu.
Ukufumana ukuba umnikeli wakho wekhadi lokuthenga ngetyala (credit card) unikezela izaziso eziqaphelweyo zobuqhetseba, ungene kwiakhawunti yakho ye-akhawunti ye-credit card okanye ubize inkonzo yamakhasimende akho ekharityhulam (usebenzisa inombolo kumqolo wekhadi lakho lesikweletu). Uya kufuneka ulandele le nyathelo kunye nabaniki bekhadi lakho lesikweletu.
Iwebhusayithi nganye yomthengisi wekhadi yesikweletu iyahluke. Emva kokuba ungene kwi-akhawunti yakho, khangela kwimenyu yendawo yokuhlela iiprofayili zakho okanye izicwangciso ze-akhawunti. Emva koko ubone izaziso zobuqhetseba zakho zinikezelo lwekhadi lokuthenga ngetyala.
Uyakwazi ukufumana izaziso nge-imeyile, umyalezo wombhalo, okanye nge-push notification ngaphezulu kwesefowuni yakho ngokusebenzisa i-app ye-smartphone yomkhangeli.
Umnikezeli wakho wekhadi lokuthenga ngetyala uya kunika ithuba lokufumana izilumkiso. Unakho ukhetho lokufumana izibhengezo kwiintengiso umthengisi wekhadi lokuthenga ngetyala. Okanye, unako ukufumana izilumkiso zeentengiselwano malunga nemali ethile oyikhethayo, i-$ 10 umzekelo. Ukukhetha ukufumana izaziso ezisekelwe kwinani elincinci lokuthengiselana liza kukuvumela ukuba ubambe iinkcukacha zobuqhetseba umniki-khadi wakho wekhredithi ayiboni. Umnikezeli wakho wekhadi lokuthenga ngetyala unokufumana kuphela ubuqhetseba obusekelwe kwimikhwa yakho yokuchitha imali.
Uyazi ngokuqinisekileyo ukuba okanye akukho ukuthengiswa kobuqhetseba kuba nguwe usebenzisa ikhadi lakho lekhredithi.
Oko Ukwenza Ukuba Ufumana Isaziso soSaziso soBuqhetseba
Ukuba ufumana isilumkiso sobuqhetseba kwi-akhawunti yakho ye-credit card, ungene kwi-akhawunti yakho ye-intanethi okanye ubize inombolo ebhanki lakho kwikhadi lesikweletu ukuze uxhumane nommeli wenkonzo yamakhasimende ukuqinisekisa okanye ukuphika ityala. Unganiki nawuphi na ulwazi lomntu siqu okanye ikhadi lesikweletu ngomyalezo wombhalo. Ungaqakraza nakweliphi na unxibelelwano ngaphakathi komyalezo wesicatshulwa. Futhi ungabizi inkonzo yamakhasimende ekhadini lakho ngeyiphi na manani adweliswe kumyalezo wesicatshulwa. Oku kubalulekile nje ukuba umyalezo wesicatshulwa ngumenzi wokuhlambalaza ukuphanga uzama ukuthola ulwazi lwakho lomntu okanye iinkcukacha zekhadi lesikweletu.
Iingcambu zokukhwabanisa ngamakhadi yikhadi-mboleko yinkonzo eyongezelelweyo enikezelwa ngumniki-khadi wakho wekhadi.
Ngeke uhlawuliswe nayiphi na eyongezelelweyo ngezilumkiso. Kodwa ke, ngokubhekiselele kwintlawulo yesicatshulwa okanye umrhumo wedatha ovela kumphathi wakho weselula.
Ukongeza kwiingcebiso zobuqhetseba, umniki wekhadi lakho lekhredithi unokukwazi ukuthumela izilumkiso zezinye iindidi zomsebenzi we-akhawunti kubandakanya: izaziso zentengiselwano, umhla wokuhlawula umrhumo, inkokhelo ekhoyo , okanye ukuhlawulwa kweentlawulo. Ezi zizaziso zinokukunceda ukuphatha iakhawunti yakho yekhadi lesikweletu ngokukhawuleza.
Ewe, kufuneka uqhubeke nokubeka esweni umsebenzi wakho wekhadi lesikweletu ngokungena kwi-akhawunti yakho ngezikhathi ezithile phakathi kwee-billings kunye nokuhlaziywa kwemisebenzi. Awunakuze uqaphele.