Ukuba uhambe nje phesheya kwaye usebenzise ikhadi lakho lesikweletu ngelixa uhambo lwakho, usenokumangaliswa ukufumanisa intlawulo yelizwe langaphandle kwikharenti yakho yekhadi lesikweletu. Akuyiphutha. Le yintlawulo esemthethweni ukuba inkokhelo eninzi yokukhishwa kwekhadi lekhredithi kwaye ngelishwa, akuyena enye into ongayenza ngayo emva koko.
Imali yokuthengiswa kwamanye amazwe ngumrhumo wekhadi lokuthenga ngekhadi lokuthenga ngekhredithi xa usebenzisa ikhadi lakho lekhredithi, okanye xa uthetha ukuthenga usebenzisa ibhanki yangaphandle.
Ngokomzekelo, unokujamelana nemirhumo yokuthengiswa kwamanye amazwe xa ubhala indiza ngeSingapore Airlines, nokuba uhleli phambi kwekhompyutha yakho eSpanish, eMissouri. Intlawulo ihlawuliswa ukuba kube lula ukuguqula imali yelizwe langaphandle kwiidola zase-US kwaye yenza ixabiso lohambo lwamazwe ngamaxabiso libiza ngakumbi.
Ingakanani Imali yokuThengisa ngaphandle?
I-Visa ne-MasterCard zihlawula i-1 pesenti yemali yokuthengiswa kwamanye amazwe kunye nabaniki bamakhadi bamatyala abanesithuba esongezelelweyo ngaphezulu. Oku kwenza umrhumo wakho wokuthengiswa kwamanye amazwe phakathi kwe-1 ne-3 ekhulwini ye-transaction, ngokuxhomekeke kumniki-makhadi wakho wekhadi kunye nenethiwekhi yokucwangcisa intlawulo. I-American Express ihlawulisa imali engama-2.7 epesenti kwezinye iikhadi zamatyala kunye nokuhlawula imali kwabanye. Ukufumanisa akuyihlawulisi imali yokuthengiswa kwamanye amazwe nakweyiphi yamakhadi ekwereta. Olunye uNkulumbuso kunye nomvuzo wokuhamba ngamakhadi-ngxowa-mali ahlawulanga yonke imali kwaye ufumana isabelo okanye yonke intlawulo ehlawulwe yintengiso yenethiwekhi.
Indlela yokujonga ukuba iKhadi lakho leKhadi lihlawula iRhafu
Abaniki bamakhadi eemboleko kufuneka baxelele imali yokuthengiswa kwamanye amazwe kuwe. Ngowe-2006, ezinye zezikhulu ezikhupha amakhadi zekredithi zafuneka zihlawule umhlala-phantsi kubaphathi bamakhadi kuba abathumeli babengabatshelanga abanini bamakhadi ukuba baya kuhlawulwa intlawulo. Ngoku, ezi ntlawulo zichazwe kwisivumelwano sekhadi lesikweletu .
Funda isivumelwano sakho sekhadi lesikweletu ukuze ufumane ixabiso elichanekileyo lokukhishwa kwekhadi lakho lekhredithi liya kuhlawulisa kwiintengiso zangaphandle. Ukuba awunayo ikopi, unokufumana enye kwiwebhusayithi yakho yomthengisi wekhadi lesikweletu okanye iSiseko seSiseko seemvumelwano zekhadi lesikweletu. Unokubiza umnini-makhadi wakho wekhadi ukuba ufunde ukuba ikhadi lakho lekhredithi lihlawula imali yentlawulo yangaphandle kwaye xa ungalindela ukuyihlawula. (Nangona uhlala kwifowuni, yinto efanelekileyo yokuvumela umniki wekhadi lakho lekhredithi ukuba uya kuhamba phesheya ukuze bangabonakali ngokuzenzekelayo ukuthengwa kwakho ngamazwe ngamazwe njengobuqhetseba.)
Indlela Yokuphepha Iimali Zokuthengiswa Ngaphandle
Kukho amaninzi amakhadi ekwereta angayithengi imali yokuthengiswa kwamanye amazwe, ngoko cinga ukuvula enye yale nto ngaphambi kokwenza uhambo lwamazwe ngamazwe. Bobabini iNkunzi yesiXhosa kunye nokuDumbula basusile imali yokuthengiswa kwamanye amazwe kwiiakhadi zabo zekredithi, ngoko ukuba sele sele unayo enye yeekhredithi yakho, ungatshintshela uhambo lwakho uyazi ukuba awuyi kubakho iirhafu ezingaphezulu. Ungakhetha kwakhona ukusebenzisa imali okanye indawo yasekhaya kwiholide yakho ukuze uphephe intlawulo ngokupheleleyo, kodwa uqaphele ukuba ukuthwala imali kungakhuselekanga. Ukuba imali yakho ibiwe, awukwazi ukufumana imali. Ngekhadi lesikweleti, ngakolunye uhlangothi, awunamacala enkcitho yamatyala ngexesha nje ubika ubusela ngexesha elifanelekileyo.