Kuthetha ukuthini Ukuxhasa?
Indlela yokuxhasa
Amagama afana: Ukuvunyelwa ngokuchanekileyo, igama elisayinwe kwimva yetshekhi kufuneka lifanise igama elibhalwe ebhaliweyo ngaphambili kwisesheke.
Ukuba igama lakho liphosiwe okanye libhalwa ngokungalunganga, lyikitye ngenguqulo engalunganga, uze usayine kwakhona usebenzisa igama elichanekileyo.
Kuphi ukuvuma ukuba: Ininzi ithengi ine-1.5-intshi yecandelo ukuba ubhale kuyo. Eli candelo, eyaziwa njengendawo yokuvumela ( jonga umzekelo apha ), imakwe ngemigca kunye nemiyalelo ithi "Musa ukubhala, isitampu okanye usayine ngezansi kulo mgca. " Zama ukugcina yonke isayineli kunye nayiphi na imiyalelo kule ndawo.
Ukuvunyelwa okungenanto: Indlela elula yokumkela (kodwa eyona yingozi kakhulu) kukungena nje isheke ngaphandle kokongeza nayiphi na imiqobo. Ukuze usebenzise le ndlela, eyaziwa njenge-endorsement engenanto, tyikitya igama lakho kwindawo yokuvuma. Kodwa yenze oku kuphela ukuba uza kufaka isheke okanye uhlawule kwikamva elizayo. Ngokomzekelo, ukuvunyelwa okungekho nto kungenza uqikelele ukuba usebhankini okanye wenze idizithi edele ekhaya.
Ukuba uyothumela i-check, uyifake kwi-ATM , okanye uyiphathe ixesha elithile, sebenzisa enye indlela: Yishiya ingotshe engabhalwanga uze ulungele ukufaka, okanye ungeze umda wokuba uvume.
Ukuvunyelwa okungenanto kungozi kuba omnye umntu angathatha isheke esivunyelweyo kwaye ayifake imali okanye ayifake kwiakhawunti eyahlukileyo.
Ukugunyazwa kwemimiselo-fumana imali kwi- akhawunti yakho : Ukuqinisekiswa okukhuselayo kunceda ukuqinisekisa ukuba isheke lifakwa kwiakhawunti ethile. Ukusebenzisa le ndlela, faka inombolo yakho ye-akhawunti ngokuvuma kwakho, kwaye unikeze imiyalelo ethi imali ingeniswa kuphela kwi-akhawunti yakho.
Ukwenza njalo, bhala "Ukuze udibanise kuphela kwi-akhawunti #####" (usebenzisa inombolo yakho ye-akhawunti), njengenxalenye yokuvuma kwakho. Ukuba isheke lilahlekile okanye libiwe, kunzima ukuba amasela athathe imali-aya kufuneka atshintshe ukuvuma. Enye indlela yokufaka inombolo yakho ye-akhawunti ukuba ubhale "Ukuze ufake idiphozi kwi-akhawunti ye-payee," efuna ukuba amasela abe nokufikelela kwi-akhawunti egameni lakho. Ngokuxhomekeka kwimeko, unako okanye ungenako kwakhona ukuba ungasayina ukuba ucacisa inombolo ye-akhawunti.
Tyikitye komnye umntu: Ungazama ukusayina isheke phezu komnye umntu, ukuhlawula ngokufanelekileyo loo mntu ngetshekhi oyifumeneyo. Kodwa leyo ayiyona indlela efanelekileyo yokuhlawula umntu. Ukusayina isheke phezu kwayo, bhala "Khokhela umyalelo we ..." kwaye igama igama elitsha . Qaphela ukuba ezinye iibhanki azivumeli lolu hlobo lwesigunyaziso ngenxa yokuba isetyenziswa ngamanye amaxesha ngobuqhetseba. Hlola kunye nazo zonke iibhanki ezibandakanyekile ngaphambi kokuba uzame ibhanki yombhalisi, kwaye ibhanki yokugqibela ukuba isheke liza kufakwa. Ukufumana iinkcukacha ezithe vetshe, funda ngokusayina isheke kunye nokukhangela isheke lomnye umntu.
Akukho mvume: Akusoloko ufanele uvume ukuhlola. Ezinye iibhanki zikuvumela ukuba ufake iitshekishe ngaphandle kokusayinwa, inombolo ye-akhawunti, okanye nayiphi na into emva.
Ukuqhawulwa kwemvume kunokunceda ukugcina ulwazi lwakho ngasese. Ukujonga abalobi bangakwazi ukujonga imifanekiso yokuhlola, kuqukwa indawo yokuvumela, i-intanethi emva kokuhlolwa ihlawulwa. Ngaphandle kokuvuma, akukho mntu unokubona isayinitsha okanye inombolo yakho ye-akhawunti ngaphandle kokuba ibhanki yakho ingeze inombolo ye-akhawunti ngexesha lokucubungula.
Ukufumana ukhuseleko olongezelelweyo, unokwazi ukubhala "idiphozithi kuphela" kwindawo yokuvuma. Ngokwenene oko akusikho ukuvuma, kodwa ezininzi iibhanki kunye neemanyano zeentengo zemali ziza kunqwenela imali.
Ngubani Ubonakalisa Ukuvumela?
Kwezinye iimeko, akucaci ukuba ngubani omele asayine isheke. Kwakhona, umntu ofumana isheke kufuneka adlulise. Umntu obhala isheke sele esayinwe ngaphambili.
Iitshekhi ezihlawulwa kubantu abaninzi: Ukuba isheke sihlawulelwa kuwe kunye nomnye umntu, kufuneka uyifumele njani?
Ngaba wonke umntu kufuneka asayine, okanye omnye wenu? Kuxhomekeke kwindlela okubhekiselwe ngayo iteksi: Ukuba igama "kunye" livela phakathi kwamagama, wonke umntu kufuneka asayine. Jonga inkcazelo ngemimiselo engaphezulu apha .
Ukuhlola kwi shishini lakho: Ukuba uqhuba ishishini kwaye uhlawulwe ngetshekhi, ukuvuma kukuhlukile. Isheke lihlawulelwa kwishishini- kungekhona kuwe njengomntu-ngoko kuya kufuneka utyityine egameni loshishino. Ewe, kuya kufuneka ugunyaziswe ukuphatha imali yenkampani. Jonga iinkcukacha ezipheleleyo ngokuvuma ukuhlola kwi shishini lakho .
I-FBO ihlola: Isheke esenziwe ehlawulwa kwelinye iqela ngenzuzo (FBO) elinye kufuneka livunywe ngumvuzo wokuqala. Ngokomzekelo, isheke ingenziwa ihlawulwe kwi-akhawunti yomhlala-phantsi yomgcini wokuthengiswa kwemali. Umgcini uya kugcina isheke.
Kutheni Ufuna Ukuxhasa iireki?
Xa uhlawulwa ngetshekhi, loo ntlawulo yenziwe kuwe . Nguwe kuphela umntu onokuqoqa ngokusemthethweni i-akhawunti yombhali wengxelo. Nangona kunjalo, indlela elula yokuyijonga loo ngxelo yemali (okanye imali onokuyichitha kwi- akhawunti yakho yokujonga ) ukuyihambisa kwi-bhanki yakho kwaye ivumele ukuba ibhekane nayo.
Ngokuvuma isheke, ugunyazisa ibhanki ukuba iqokelele intlawulo. Ibhanki inelungelo lokusebenza egameni lakho kwaye ithetha ngetshekhi.
Kwakhona, ungayifaka isheke ngaphandle kokuvuma-ukucinga ukuba iteksi ibancinci ngokwaneleyo, uyifake kwi-akhawunti efana negama le-payee , kwaye ayikho kwinkampani yomshuwalense okanye enye inhlangano efuna ukuvunyelwa. Amabhanki kunye neemanyano zemboleko zemali ziyamkela rhoqo iitsheki ezingabonakaliyo kwaye zicinga ukuba akukho ziingxaki eziza kuvela.
Oko kwathiwa, ukuba kubalulekile ukuba uhlawule ngokukhawuleza, kuyona inqabileyo ukuvumela ukuhlola ngokufanelekileyo nangokucokisekileyo. Nangona ibhanki yakho ikuvumela ukuba uyibeke isheke, loo tshekisha iya kubuya ngeveki okanye ezimbini, kwaye ibhanki iya kususa loo mali kwiakhawunti yakho kude kube yinto yonke ecacileyo .
Kungakhathaliseki ukuba yeyiphi indlela oyisebenzisayo ukuvumela ukuhlola, jonga ixesha elide unako ngaphambi kokusayina isheke. Kukulungele ukutyikitya ngexesha usebhankini okanye usenkonzweni yokwenza idiphozithi yeselula . Ukuba uvumela ukuhlola kwaye ke ulahleka, kulula ukuba umntu athathe imali engatshekiswanga okanye uzame ukufaka iteksi kwiakhawunti yakhe.
Ukuvunyelwa kweefowuni yefowuni : Ukuba ubeka iisheke usebenzisa idivayisi yakho yeselula, landela imiyalelo kwi-app yakho yasebhanki. Ibhanki ingacela ukuba imvume yakho ibonise ukuba wenza idiphozithi yeselula. Kwezinye iimeko, uya kubaleka ngokungawutyesheli loo myalelo, kodwa kukulungele ukuhlonipha isicelo ukuba intlawulo ibalulekile.
Ngoku ukuba uyazi ukuba kuthetha ukuthini ukuvumela, qwaba indlela engcono yokufaka iitshekhi . Ngama-ATM amasha kunye nezixhobo ezininzi zeselula, unako ukuqhankqalaza umgca wecala. Unokukwazi kwakhona ukuphelisa iphepha lokuhlola ngokubanzi ngokuhlawulwa ngekhompyutha .