Kudala Kangakanani Ukulinda Emva kokususa i-Check

Kuthatha ixesha elingakanani ukujonga ukuhlawula?

Xa ubeka isheke, awuyi kubakho na i-bhanki yakho ukuba isheke liya kuhlawula. Ubulumko ukuba ulinde iintsuku ezimbalwa ngaphambi kokuba uchithe imali, kodwa ungakanani ixesha elide-kwaye unokwenza ntoni ukuze uzikhusele ekuhloleni okubi?

Ukuqala, ungacingi ukuba ucacile, nokuba ibhanki yakho ikuvumela ukuba uchithe imali kwidiphozithi.

Imigaqo yokuFumaneka kweNgxowa-mali

Ibhanki yakho ikuvumela ukuba uchithe imali kwiintlawulo ezininzi emva kokuba ubeke isheke.

Kodwa oko akuthethi ukuba itekisi ilungile okanye ukuba ibhanki yakho ifumene imali evela kwelinye ibhanki.

Amabhanki afunwa ngumthetho ukwenza isahlulo se-deposit yakho sitholakale kuwe. Ngaphandle kokuba kukho iimpawu zobuqhetseba (okanye ezinye iingxaki), iibhanki zilandele umgaqo-nkqubo wokufumaneka kwemali , nto leyo iinkcukacha ngokukhawuleza ongayisebenzisa ngayo imali yakho. Kwiimeko ezininzi, i-$ 200 yokuqala ukusuka ekuhloliseni kwakho iyatholakala ngosuku olulodwa, kwaye ibhanki yakho "ibamba" intsalela iintsuku eziliqela.

Kungaba luncedo ukusebenzisa iindidi ezimbini ezahlukeneyo ukuqonda xa ungasebenzisa imali:

1. Iimeko eziqhelekileyo , xa unesizathu sokukhathazeka ngetekethi oyifakile
2. Iimeko eziphazamisayo , xa ungayazi okanye ungathembi umlobi wokukhangela

Kuthatha ixesha elingakanani ukujonga ukuCima?

Iitshekhi zithatha iintsuku ezimbini kwiintsuku zoshishino ukucima. Amabhanki enze imali ifumaneke phambi kokuba uhlolisise ngokwenene icacile, kodwa kukho imida malunga nokuba unako ukurhoxisa okanye uchithe.

Kwiimeko ezininzi, i-100 ekhulwini yemali iya kufumaneka ngokukhawuleza kunokuba ipolisi yebhanki yakho ibambe.

Ingxaki yakho: Uhlala uxanduva lokufaka idiphozi yakho kwi-akhawunti yakho. Nangona ibhanki yakho ikuvumela ukuba uhambe ngekheshi okanye utshintshe imali ngaphandle, ungase ufanele ukutshintsha loo mali kamva ukuba i-check is a bounces.

Chaza "kucacile": Igama elithi "kucacile" lingadideka, kwaye abasebenzi basebhanki banokukuxelela ukuba itekisi isuliwe ngaphambi kokuba inene. Ukukhuseleka, funda ngokuchanekileyo xa imali idluliselwa kwibhanki yombhenkethi kwibheke yakho. Ukuba oko kwenzeka ngokuphumelelayo, kukho imali eyaneleyo kwiakhawunti yombhalisi, kwaye isheke ayikho into ecacileyo.

Ibhalansi yakho ekhoyo: Ikhonkco ayilucaciswanga nje ngokuba imali iyafumaneka kwi-akhawunti yakho . Kwakhona, umthetho wesigqeba ufuna ibhanki yakho ukwenza imali ifumaneke ngaphakathi kwexesha elithile (nokuba ngaba imali ayiyiyo na enye ibhanki okanye ayiyiyo).

Xa ekungabaza

Ngoko wenza ntoni malunga nokutshekisha kwakho? Iingcebiso ezilungileyo kukugwema ukutshekisha ukuba unakho ukukhathazeka malunga nentlawulo (jonga ngezantsi ngeengcebiso kunye nezinye iindlela), kodwa oko akusoloko kukhetha.

Iintsuku ezingama-30: Xa ungathandabuzeki, ukulinda iintsuku ezingama-30 kuyisiqalo esihle. Uninzi lweengxaki luya kuvela kuloo xesha. Ukuvavanya kwiakhawunti ezikhohlisayo kunye neakhawunti ezingenanto kufuneka zihlasele kwiiveki ezimbalwa, ikunike ixesha lokuphepha iitalato kwibhanki yakho. Ukuba isheke livela kwibhanki yangaphandle, linda ixesha elide. Ukuba kukho ingxaki kunye nohlolisiso oluninzi, kufuneka ulive malunga naloo ntsuku zingama-30 kwiimeko ezininzi (kodwa kungekhona zonke).

Ngaba unama-100 ekhulwini ukhuselekile emva kokuba imali ixabise iakhawunti yakho okanye emva kweentsuku ezingama-30? Akunjalo. Njengomzekelo omnye nje, umnikazi weakhawunti unokufaka isicelo sokuba iteksi ibhaliwe kwi-akhawunti yakhe ngobuqhetseba. Nangona iteksi ichithwe, ibhanki yakho iya kubuyisa imali kumnikazi ofanelekileyo (kwaye kufuneka ufumane ukuba ngubani othe wagxeka).

Iinkcukacha ezingakumbi Ngomngcipheko wakho

Uthatha ingozi emininzi nayiphi na ixesha ubeka isheke kwiakhawunti yakho.

Ezinye zeengozi zingekho, kodwa ezinye zibalulekile.

Umngcipheko omkhulu kukuba uza kuchitha imali ongenayo ngokwenene kuba ibhanki yakho ikuvumela ukuba wenze njalo. Amabhanki akenzi ukuba ulinde imali ukuze udluliselwe kwibhankini yombhikisho. Kunoko, ibhanki yakho ithatha itekisi ilungile: Ungasebenzisa idiphozithi yakho ukurhoxisa imali, uchithe ngekhadi lakho lokubambisa, kwaye uhlawule iindleko kwi-intanethi.

Amabhanki enza oku ngenxalenye njengento yokunikezelwa kwabathengi, kunye nxalenye kuba kufuneka.

Ibhalansi yebhanki engalunganga: Ukuba isheke asiyi kucacisa nayiphi na isizathu, kufuneka uhlawule ibhanki yakho nayiphi na imali oyichithayo. Ingxangxuswana encinane ukuba unemali eninzi (uya kuba neyona mininzi), kodwa ingaba yinkathazo enkulu ukuba i-akhawunti yakho iyaphantsi. Idiphozithi ebuyisiwe ingenza i-akhawunti yakho ibe yinto engafanelekanga, oko kuthetha ukuba zonke iintlawulo zakho ziya kuhlawula uze ulungise ingxaki.

Ngeke ukwazi ukusebenzisa ikhadi lakho lokubambisa ekuthengeni, kwaye nayiphi na iireki ozibhalileyo kwiintsuku ezimbalwa zokugqibela ziya kubuyiselwa.

Ukukhwabanisa okuqhelekileyo: Xa ubeka isheke engaziqinisekanga, qwa lasele ukuba isheke esikhulu. Ikhredithi yokukhangela i-Cashier isebenze ngenxa yokudideka malunga nokuhlola okucacileyo, kwaye akukho nto into ongayenza ukuze ufumane imali yakho.

Imirhumo: Ukongezelela ekufumaneni kwintsimi engenzileyo, unokubeka ingozi ekuhlawuleleni iimali zebhanki ezininzi xa ufaka isheke elibi. Ibhanki yakho iya kuhlawula umrhumo weemali ezinganeleyo, kunye neentlawulo ezingaphezulu kwe-overdraft . Abantu okanye amashishini abhala ukubheka kakubi ukuze banokuhlawula imali.

Iimpendulo zokudibanisa kwiBhanki yakho

Kukulungele ukucela ibhanki yakho ukuba ingahlawulwanga isheke, kodwa oku kusenokuba luncedo njengoko unethemba. Abasebenzi beBhanki bahlala becinga ukuba ufuna ukwazi xa ungayisebenzisa imali ephantsi kwebamba . Abazi kakuhle ukuba zeziphi iinkxalabo zakho zisesheke, kwaye ngamanye amaxesha awazi nazi ukuba iireki ziyakunqanda emva kokuba zifakwe.

Abathengi abaninzi baye batyelwa ukuba itekisi "isusiwe," kuphela ukuba ufumene kamva ukuba i-check is bounces. Ukuba izinto zihamba buhlungu, akuyiyo ingxaki yebhanki okanye ingxaki yombali-ingxaki yakho.

Ukuba ufuna ukuqinisekisa ukuba isheke liye lahlulwa, chaza izinto ozikhathazayo kumntu osebhankini. Kungcono ukuthetha nomntu othembelayo kwaye uyazi ukuba uyakwazi. Thetha kumphathi okanye utyelele isebe kumntu ukuba uqiniseke ukuba akukho nto ididekile.

Ezinye iindlela zokuhlola

Ukuba unenkxalabo ngokubethekisa ukuhlola , cela isicelo sokuhlawula ngeefom ezahlukeneyo. Kungenzeka indlela ekhuselekileyo yokuhlawulelwa yindlela yokudluliselwa kwentambo . Imali iya kubonisa kuphela ukuba ikhona, i-transaction ngokubanzi ayikwazi ukuguqulwa, kwaye kukho ngaphezulu kwephepha okanye umzila wecomputer ukuthotyelwa komthetho ukulandela, ukuba kuyimfuneko. Unokucela kwakhona ukuba uhlole i-cashier okanye i- oda-mali- qaphela ukuba amasela asetyenziswa ngamaxwebhu amarekhodi, ukuze ugijime kwiingxaki ezifanayo oza kuba nazo ngetsheko embi .

Unokuzama kwakhona iindlela ezintsha zokuhlawula, njengenkqubo zokusebenza kunye nezixhobo ze-intanethi. Iinkonzo ezifana ne-PayPal zivumela ukuba ufumane imali evela kubathengi nabangani. Nangona kunjalo, kufuneka uphande nokuba ngaba ezo ntlawulo zingaphendulwa, kwaye phantsi kweziphi iimeko. Ngokomzekelo, ukuhlambalaza kweVenmo kuyathandwa ngabaculi be-intanethi abasebenzisa inkonzo ukufumana izinto ezikhululekile.