Inkcazo kunye neNkcazo yeNkqubo. Ingaba Isebenza?
Ukucela inkokhelo yokumisa ingenza ingqiqo ngokuchithwa okanye eyebiwe, kwaye isebenza kwezinye iimeko. Kodwa qiniseka ukuba uyazi ukuba zezi zicelo zisebenza njani. Le nkqubo iyanzima, kwaye ngamanye amaxesha amabhanki akwazi ukukhusela ngempumelelo iintlawulo ekuqhutyweni.
Ingaba isebenza kanjani
Xa ucela inkokhelo yokumisa, unikezela ngolwazi malunga nenkcazelo ethile kwibhanki yakho. Iifowuni zebhanki isheke, kwaye ukucinga ukuba isheke asikafiki kwi-bhanki, ibhanki ayiyi kuvumela isheke ukucima .
Umzekelo: Ukuba isheke lilahleka, unokuba utshele ibhanki ukuba "uyeke ukuhlawula kwi-check number 203 kwi-$ 500, ebhalwa kwi-Acme Enterprises ngoJulayi 21."
Kude kube nini: Ibhanki yakho iya kuqhubeka ikhangele isheke ezintandathu ezintandathu. Kodwa imigaqo-nkqubo yebhanki iyahluke, ngoko qi ni sekise ukuba uqinisekise iinkcukacha zebhanki yakho. Emva koko, ukuhlawula ikhefu kuphelelwa yisikhathi, kwaye isheke ingahlawulwa. Nangona kunjalo, unakho ukukhetha ukwandisa okanye ukuvuselela isicelo sokuhlawulwa kwesitye.
Indlela yokuzibuza: Unokuthi ucele ukuhlawula isitatimende ngomlomo, kodwa ungadinga ukulandelelana ngokubhaliweyo kwisithuba seentsuku ezili-14 ukuqinisekisa isicelo sakho. Ukuba awukwazi ukwenza njalo, ibhanki ayinakuyihlonela isicelo sakho.
Iindleko: Iibhanki zihlala zihlawula umrhumo ukufakela ingotshe yakho kwaye uyikhusele ukuba ingahlawulwa.
U-30 wemali okanye kunjalo ke umrhumo oqhelekileyo, kodwa uhlala ufanele ukubuza ukuba uza kuhlawula phi.
Iingxelo zeCashier: Not As Easy
Awukwazi ukuyeka ukuhlawulwa kwisitriki somthengisi. Ngenxa yokuba iimali ziqinisekisiwe ukuba zihlawulwe yibhanki, ibhanki ayivunyelwe ukuba ithi "uxolisayo, akukho dice" xa isheke sinikwe (mhlawumbi sihlaselwe ngummkeli okanye sifakwa kwi-akhawunti yebhanki).
Unokucela ukukhansela, kodwa uya kufuneka ulinde iintsuku ezingama-90 ngaphambi kokuba nayiphi na imali ibuyiselwe.
Nangona kunjalo, ukuba unesicatshulwa se-cashshi kwindawo yakho kwaye ufuna ukuyikhansela, izinto zilula.
Funda ngakumbi malunga nokukhansela isheke lomthengisi .
Iimali zeMali
Ukuba uhlawule ngemali ye-oda, ungawukhansela umyalelo weemali uze ugqibe ukubuyisela imali-njengoko umyalelo weemali ungasetyenziswanga okanye ugxothiwe. Njengokuba kuhlolwa i-cashier, inkqubo ingathatha ixesha. Funda kabanzi malunga nokukhansela umyalelo wemali .
Cards Debit
Amakhadi e-Debit adonsa imali kwi-akhawunti yakho yokujonga, kodwa akunakwenzeka ukuyeka ukuhlawulwa kwintlawulo yekhadi lokudityaniswa ngendlela enokuyenza ngetshekhi.
Ukuthengiselana kwekhadi yeedithithi kunokuhamba ngokukhawuleza. Ukuba unesibambano kunye nomthengisi kwaye awufuni ukuhlawula into oyithengileyo, qha ga mshelana nebhanki yakho, njengoko unokukwazi ukukhansela ukuthengiselana . Amakhadi e-Debit ayinaso ukukhuselwa kwabathengi njengamakhadi-mboleko , kodwa ibhanki yakho inokukunceda. Ukuba ikhadi lakho lokubambisa lilahlekile okanye libiwe, leli bali lihlukile-kubalulekile ukuba uxelele ibhanki yakho ngokukhawuleza .
Iikhompyutheni zeeMpahla
Ukuba ulindele ukuhlawulwa kwekhompyutheni engagunyazisiweyo ukutshintsha i-akhawunti yakho yokutshekisha, unokuthintela ukuba kwenzeke ngokucela ukuhlawulwa kwentlawulo kunye nebhanki yakho.
Nangona kunjalo, kukulungele ukukhansela intlawulo kumthombo: Tshela inkampani yenkcitho (umboleki wakho, inkampani yenkampani yinshorensi, i-gym, okanye nayiphi na enye) ukuba awuvumeli ukurhoxiswa kwexesha elizayo.
Nasiphi na izicelo zokuyeka iintlawulo zekhompyutha zingadinga ukuya ebhankini okanye ukubhalwa ngokubhaliweyo ukuba ziphumelele. Unokunika imiyalelo ebhaliweyo kwibhanki yakho (ubuncinane iintsuku ezintathu ngaphambi kokuba uhlawule), kodwa kuya kufuneka uqinisekise ngokubhaliweyo kwisithuba seentsuku ezili-14.
Ngaba Kusemthethweni Ukuyeka Ukuhlawula?
Ukuyeka ukuhlawulwa yinto efanelekileyo ukuba isheke lilahlekile okanye libiwe-ingakumbi ukuba uthe waxoxisana ne -original payer malunga nokukhangela isheke nokubhala entsha.
Kwezinye iimeko, unokuba uzibeka engozini. Thetha nommeli wengingqi ukuba ucinga ukuyeka ukuhlawulwa ngenxa yengxabano okanye imeko efanayo. Ukuhlawula iimpahla ngetshekhi, kwaye ukuyeka ukuhlawulwa nje ukuphepha ukuhlawula iimveliso kunokuqwalaselwa ukukhwabanisa ukukhwabanisa.
Unokuba nesizathu esihle sokungafuni ukuhlawula, kodwa ukukhangela ukuhlola akusoloko kuluvo oluhle . Kungcono ukuhlala kwicala elifanelekileyo lemithetho yendawo ukuze unciphise imali kunye neengxaki zomthetho.