Ukuba uhlola ubungakanani besikhadi lakho lesikweletu ngefowuni okanye kwi-intanethi, unakho ukunikezelwa ngamanqanaba amabini ahlukeneyo: ibhalansi yemali kunye ne-balance balance. Ezi zilinganiso zingahluka, ezinokudideka, ingakumbi ukuba uzama ukuhlawula ibhalansi yakho ngokupheleleyo ukuphepha ukuhlawula iindleko zemali . Yiyiphi ibhalansi echanileyo? Nguwuphi na omele uhlawule?
Yiyiphi Ibhalansi ebonakalayo kwiSitatimende sakho seKhadi leKhadi?
Ibhalansi yemali ibhalansi eprintwe kwisitatimenti sakho sokugqibela senkokhelo yamatyala .
Ngumlinganiselo wekhadi lakho lokuthenga ngetyala njengemali yokuvala ingxelo ye-akhawunti yakho, ngumhla wakho umjikelo wokuhlawula uphele kwaye isitatimende sakho sekhadi lesikweletu senziwe. Akuqhelekanga ukuba le bhalansi ihluke kwi-balance balance account yakho.
Ibhalansi ebonakalayo kwisitatimenti sekhadi lakho lesikweletu ngokuqhelekileyo ibhalansi echazwe kumaziko eentengo zemboleko. Oku kuchaza ukuba kutheni ibhalansi kwingxelo yakho yekredithi ayisoloko ibonisa ukulinganisela kwekhadi lakho lesikweletu.
Kutheni i-Balance yakho yangoku ingafani
Umsebenzi wakho wekhadi lesikweletu uhlawulwa kwiimjikelezo. Xa umjikelo wenkokhelo uphela, umkhupheli wekhadi lesikweletu uprinta isitatimenti esichaza umcimbi okwenzekayo kuloo mjikelo wenkokhelo kunye nokukwazisa ngenkokhelo efunekayo kunye nomhla ofunekayo.
Ekubeni ixesha lakho lokushicilelwa kwekhadi lesikweletu lishicilelwe, usenokuba uthenge ukuthenga, iintlawulo okanye ezinye iintengiso ezitshintshile ibhalansi yakho yamakhadi evelele.
Ezi ntengiso ziboniswa kwibhalansi yangoku. Ibhalansi yangoku ingaba phezulu okanye iphantsi kwebhanki yakho yemali ngokuxhomekeke kwimicimbi oyenziweyo. Umzekelo, ukuba intlawulo ithunyelwe kwi-akhawunti yakho ekubeni isitatimenti sakho sokubhatala sinyathelisiwe, ibhalansi yakho yemali iya kuba phezulu kune-balance balance.
Okanye, ukuba uthenge ukuthenga njengoko umjikelezo wakho wokubhatala ushicilelwe, ibhalansi yakho yemali iya kuba ngaphantsi kwebhanki yakho yangoku.
Ukuba ukhangele i-akhawunti yakho kwi-intanethi okanye ngefowuni, ibhalansi yakho yangoku ibandakanya ukulandelwa kwemicimbi. Le yintengiselwano oyenzile, ngokuqhelekileyo kwiiyure zokugqibela ezingama-24 ukuya kuma-48, ezingazange zithunyelwe kwi-akhawunti yakho. Umniki wekhadi lakho lesikweletu uye wafumana isaziso sale ntengiso, kodwa ayilungiswanga ngokupheleleyo.
Yiyiphi i-Balance Pay Pay ukuPhepha iiNtlawulo zenzalo
Ukuze ugweme ukuhlawula iindleko zemali kwibhalansi, kufuneka ukuba uqalise umjikelezo wokuhlawula nge-$ 0 ibhalansi okanye ubuncinane uyihlawule ibhanki yakho yangaphambili ngaphambi kokuphela kwenkathi yobabalo . I-balance balance you see ingaba ibandakanye ihlawuliso yezemali ukuba uthathe ibhalansi ukusuka kumjikelezo wokugqibela wokuhlawula. Ngaphandle koko, ude ufike ekupheleni kwenkathi yobabalo ukuhlawula i-balance ngokuzeleyo kwaye ugweme ukufumana imali ehlawulwe kuloo mali.
Ukuqinisekisa ibhalansi yakho yemali ihlawulwa ngexesha ngalinye ngenyanga, unokwenza i-autopay kunye nomniki-khadi wakho wekhadi. Inkokhelo iya kuqulunqa ngokuzenzekelayo kwi-akhawunti yakho yasebhankini ngomhla ochazayo (kufuneka ube ngowakho okanye phambi kwentlawulo efunekayo).
Xa ubeka inkokhelo yokuzenzekelayo, qiniseka ukuba unayo imali eyaneleyo kwi-akhawunti yakho yokukhangela. Ngaphandle koko, ukuba ibhanki yakho iyalahla iintlawulo, uya kuhlawuliswa intlawulo yentlawulo ebuyisiwe kunye nawe uya kugqiba ukuhlawula iindleko zemali kuba ibhalansi ayingakhokhelwa ngokugcwele ngomhla ofunekayo.
Qaphela ukuba uya kushiyelwa ibhalansi kwikhadi lakho lekhredithi ukuba uhlawula ibhalansi epheleleyo yesitatimende kwaye ibhalansi yakho yangoku iphezulu kunelo mali. Uza kubona ukuba ibhalansi yokulahla kunye neyiphi intsebenzo entsha kwi-statement yakho yokuthengisa.
Ukuhlawula ibhalansi ekhoyo ngoku kulungile, ngokukodwa ukuba ufuna ukufumana ibhalansi esezantsi okanye ngokulinganisela kwisitatimende sakho senkokhelo esilandelayo. Ukuba ufuna ukuhlawula ibhalansi yakho yemali ukuya kwi-zero, qhagamshelana nomnikeli wakho wekhadi lesikweletu ukuze ufumane "ibhalansi yemali" engabandakanya iintlawulo zezezimali ezingenakongezwa kwi-akhawunti yakho okwamanje.
Xa ungeke ukwazi ukuhlawula yonke ibhalansi yemali, kufuneka uhlawule ubuncinci ubuncinane ukuphepha ukufumana izigwebo zentlawulo emva kwexesha . Okanye, hlawula ngaphezu kokuncinci ukuba unako ukuyithengisa, ukunciphisa ibhalansi yekhadi lakho lesikweletu ngokukhawuleza kwaye unciphise inani lemali oyihlawula ngayo ixesha.