La makhadi aluncedo kuba, ngokungafani namakhadi wesikweletu, akakuvumela ukuba uchithe imali onayo. Kwakhona, udibanise amakhadi asebenzise imali elula - unokwazi ukuswayina ukuze uhlawule, kwaye unakho irekhodi yekhompyutheni yonkcitho yonke ekuncedeni ukulandelela imali yakho.
Ukuba udinga ikhadi lokukhwabanisa, kukho iindlela ezininzi ongazithatha. Makhe sihlolisise i-pros and cons cons of each option below.
Fumana i-Debit Card kwiBhanki
Amakhadi asebhanki eBhanki ngamakhadi endala. Ukufumana enye ngokuqhelekileyo kulula nje ngokuvula i-akhawunti yokukhawuleza kwaye uvumele ibhanki ukuba uyazi ukuba ufuna ikhadi lokubambisa ngethuba elithile ngexesha lokuvula i-akhawunti. Kwezinye iimeko, uya kufumana enye okanye ingaba uyayibuza.
Ikhadi lakho lokubambisa lidibaniswe nemali kwi-akhawunti yakho. Oko kuthetha ukuba unokuchitha imali eninzi nje. Ukuzama ukuchitha ngaphezulu kuya kubangela ukuba ikhadi lakho lithintele, okanye (ukuba kuxhomekeke kwibhankini yakho kunye naluphi na ukhetho olukhethile xa uvula i-akhawunti) ibhanki inokuthi "ibole" imali okanye uyidlulise kwi-akhawunti yokulondoloza. Nangona kunjalo, loo nto ingabiza xa uhlawula imali ye- overdraft ngexesha ngalinye.
Amakhadi e-Debit angase afike ngeposi kuba kufuneka ashicilelwe aze afakwe ngolwazi nge-akhawunti yakho , kodwa ezinye iibhanki kunye neemanyano zesikweletu zinabashicileli kwisiza.
Emva kokuba ufumane ikhadi lakho lokubambisa, ungayisebenzisa njengokungathi likhadi lesikweletu. Ngaphandle kwezimbalwa ezimbalwa, akukho mntu uyakhathalela nokuba ikhadi lakho likhadi lokubambisa okanye ikhadi lekhredithi. Amakhadi e-Debit angasetyenziselwa ukufumana imali kumatshini ochazayo ngokuzenzakalelayo (ATM).
Fumana iKhadi lokuTyala eliKhokhelwayo
Akufuneki ukuba ufumane ikhadi lokubambisa ukusuka kwibhankini.
Amakhadi e-debit ahlawulwayo ayatholakala, kwaye athatha imali "oyenayo" ekhadini kunokuba udwebe kwi-akhawunti yakho yasebhanki. Amanye amakhadi angaphinda alayishwe kwakhona, ngelixa abanye bavumela ukuba uchithe ixabiso eligcinwe likhadi emva koko uyenziwe. Amakhadi e-debit ahlawulwe ngokugqithisileyo aya kuba yindlela engakumbi yokusebenzisa iibhanki zebhanki (kubantu abangenako okanye abanakufumana i-akhawunti yebhanki). Ungakwazi ukufumana amakhadi enkonkethi kwi-intanethi okanye kwiivenkile zokuthengisa.
Nangona iikhadi lokubhadela elihlawulwayo lingathatha indawo yemisebenzi ethile yasebhanki, iyaziwa ngokuba yimali ephezulu. Kubalulekile ukuphanda onke amakhadi atholakalayo kwaye ukhethe enye ongayisebenzisa ngaphandle kokuhlawula ngeempumlo.
Fumana iKhadi leDebit Online
Amakhadi e-debit akhokhelwayo angathengwa kwi-intanethi. Iiwebhsayithi ezininzi zibonelela ngamakhadi exabiso elihlukileyo kunye neendlela ezahlukeneyo. Emva kokuthenga ikhadi, kuya kuthunyelwa kuwe. Kwiimeko ezininzi, la makhadi afuna ukuba unikezele ngolwazi lomntu (njengeNombolo yoKhuseleko lweNtlalo, idilesi yokuthumela i-email, kunye nezinye iinkcukacha) ukwenzela ukuba ubume bakho buqinisekiswe. Unokuphinda ulayishe kwakhona la makhadi ngokuthumela imali kwi-akhawunti yakho yasebhanki, ukufaka imali kwiindawo ezithile, okanye ngokuhlawula imali yakho ngqo-egcinwe ekhadini.
Amakhadi eDeit from Stores
Unokufumana kwakhona amakhadi e-debit akhokhelwayo kwiindawo zokuthengisa xa ungafuni ukuyi-intanethi. Amakhadi avela kwiivenkile ayinakufuna ukuba unikele ngolwazi lomntu siqu, ngoko asebenza kakuhle izipho kunye nemiklomelo - umntu oza kusebenzisa ngokugqibela ikhadi akudingeki ukuba abekhona xa ikhadi lithengiwe. Zilungile kwiimeko apho ufuna ukungaziwa khona (ukukhusela ulwaphulo lobunikazi, iinombolo zekhadi ezibiwe, okanye ibhanki yakho uyazi apho kwaye uchithaphi imali). Unokufumana amakhadi ekuthengiswa kwemali ekuthengiseni izitolo ezilula, izitolo zokutya, kunye nezikhulu.
Qaphela ukuba ukukhishwa kwamakhadi ukusuka kwiivenkile kaninzi kunemiqathango yokunciphisa imali. Ngaphandle kokuba ufumane ikhadi lokubambisa elixhunyiwe kwi-akhawunti yakho yasebhanki okanye uxhaswa nge-deposit ngqo, ungeke ukwazi ukuchitha nale makhadi ixesha elide.
Amakhadi eDebit for Teens
Ukuba ungumntwana osemtsha (okanye umntwana wakho) kwaye ufuna ukufumana ikhadi lokubambisa, unamathuba ambalwa. Amakhadi e-Debit avela kwiivenkile awamakhadi alula kakhulu ukuba afumane, kodwa ayenokuba yinto ekhethekileyo yokukhetha iirhafu ezibandakanyekayo. Unokufumana kwakhona ikhadi lomdabu ovela kwibhankini okanye kwimanyano yemboleko; ezinye iibhanki zikhupha amakhadi ezithintelo kubantwana abade nje ngokuba kukho umninimzi-mdala omdala kwi-akhawunti yokujonga. Umzekelo, i-akhawunti ye-Wells Fargo Teen Checking ivumela abafana ukuba baqale ukusebenzisa i-akhawunti yokukhawuleza baneminyaka eli-13.
Iikhodi zeeDitenti zokuBala
Kunzima kakhulu ukufumana amakhadi e-debit ngembuyekezo. Njengoko imithetho ishintshile kwilizwe lebhanki, ayinenzuzo kakhulu kwiibhanki xa uhlawula ngekhadi lebhanki (ngenxa yoko abayikwazi ukunikela imivuzo efanayo abanokuyenza xa uhlawula ngekhadi lesikweletu). Ukuba ufuna ukufumana umvuzo omhle apho, kufuneka usebenzise ikhadi lekhredithi. Nangona kunjalo, kusekho amakhadi amaninzi efumanekayo anikezela umvuzo - umbuzo wukuthi okanye awufuni yini into ayinikelayo. "Ukuhlawula imali" akuqhelekanga, kodwa iikhredithi zemali, iimidlalo kunye "neengongoma" onokuzikhusela ezinye izinto zisenokwenzeka. Hlola nabathengisi apho uhlala uthenga khona ukuze ubone ukuba ngaba banikela ikhadi eliza kukugcina imali.