Ukuphulwa kwangoku kweenkcukacha zabaxhasi ngeThagethi kwenze iindaba kwiimbalwa ezimbalwa zeminyaka edlulileyo. Ngenye yephulo elikhulu kwiirekhodi kuze kube yimhla. Nangona kunjalo, ulwazi lwekhadi lokuthenga ngetyala luphulwa kwaye lubiwe rhoqo. Ngokuqhelekileyo asiyiva malunga nayo kuba ayikho enkulu yokwaphula. Ukuba uke wamufumana ileta evela kwibhankini yakho ukuba ikhadi lakho lokubambisa okanye ikhadi lekhredithi kufuneka lithathelwe indawo ngenxa yokuba ulwazi luye lwaphazamiseka, ngoko wenze ukuba kwenzeke kuwe. Ngokuqhelekileyo ibhanki iyaziswa ngoshishino ngokuphulaphula kwaye ikhetha ukuba ingahlawulwa okanye ayikukhupheli ikhadi elitsha. Namanyathelo okufuneka uwathathe rhoqo ukuze uncede ukukhusela kule meko, kunye nokubeka iliso lobusela besazisi .
01 Sebenzisa ikhadi lakho ngokuhlakanipha
02 Gcina iAkhawunti zakho
Iibhanki kunye neenkampani zekhadi lesikweletu zikunika iwindi ukunika umsebenzi wokukhwabanisa kwi-akhawunti yakho. Ukuba awuyibiki ngexesha lexesha, ngoko uya kuba nexanduva lokuhlawulwa. Bakucela ukuba ubike ikhadi lakho libiwe kwiiyure ezingama-24 zokuziqonda. Nangona kunjalo, unokuphikisana namacala athile emva kokuba avele kwisitatimende sakho kwithuba elimisiweyo lexesha, ngokuqhelekileyo ubuncinane inyanga, kodwa uya kufuneka uhlole umgaqo-nkqubo webhanki yakho ukuba wazi ixesha leakhawunti yakho. Ngokubeka iliso ukuthengiselana kwamakhadi akho imihla ngemihla okanye ngeveki, ungabamba ingxaki ngokukhawuleza kwaye ubize ibhanki ukuba unqabe iintlawulo ezingagunyaziswanga. Oku kuthetha ukuthintela intloko encinane kwixesha elizayo. Kufuneka ulinganise i-akhawunti yakho kuyo yonke inkcazo ubuncinci. Ezinye iibhanki ziya kukuvumela ukuba ubone iindleko ezilindileyo xa ubeka i-akhawunti yakho. ezi zinokumiswa ngaphambi kokuba zihambe ngokupheleleyo.
03 Khangela Ingxelo Yemali Yakho
Ngamanye amaxesha abacuki baya kusebenzisa ulwazi ababibileyo ukutshitshisa ubunikazi bakho. Oku kuthetha ukuba umsebenzi wokukhwabanisa awubonakali kwiakhawunti yakho yangoku, kuba baya kuvula ii-akhawunti ezintsha phantsi kwegama lakho. Xa ubeka iliso ingxelo yakho yekhredithi , unokubamba lo msebenzi. Uyavunyelwa ukuba udonse ingxelo ye-credit kwi-arhente nganye yeentathu ngonyaka ukwenzela ukuba ukhulule. Ukuba ubeka kuzo zonke iinyanga ezine, unokubeka iliso lakho kwikhredithi kulo nyaka. Ukuba ufumanisa ukuba unento ethile eyenzekayo, unokufaka ifriji kwingxelo yakho yebhanki, oko kuthetha ukuba ibhanki kufuneka idibanise nawe ngqo phambi kokuvula i-akhawunti. Iyabalumkisa ukuba uye waba lixhoba lobusela besazisi.
04 Ukubika Umsebenzi Okhohlisayo
Xa ufumana umsebenzi ongekho kunye ne-akhawunti okanye ingxelo yakho yekhredithi, kufuneka uphikisane nento . Uya kufuneka udibanise nebhanki ebandakanyekayo kwaye ubatshele ukuba kukho imisebenzi yobuqhetseba. Emva koko uza kufuneka ufake ifayile kwingxelo yamapolisa. Ibhanki ingafuna ikopi yale ngxelo ukuba iguqule iindleko okanye ivalise i-akhawunti yebuqhetseba. Oku kunokuba yinkqubo eqhubekayo kunye nenkqubo enkulu, kwaye kufuneka ulungele ukulandela. Ukuba kukho impazamo kwingxelo yakho yekhredithi, kufuneka uqhagamshelane kunye neengxelo zentengiso kunye neentengiso zeekhredithi ukuba zenze utshintsho lwenziwe kwingxelo yakho. Ekubeni oku kuthatha iinyanga ezimbalwa ukuba yonke into iqhutywe, ukuba ukhangele ukuthenga indlu kunyaka ozayo, unyanzelekile ukuba ube phezulu kwirekhodi yakho yekredithi ukuqinisekisa ukuba akukho nto enje. Kufuneka ucele i-credit card okanye ikhadi le-debit ukuba uyazi ukuba inombolo isetyenziswe kwenye indawo.
05 Iinkonzo zokuPhathwa kweNtengo
Amashishini amaninzi ekhadi lokuthenga ngetyala aya kunika iinkonzo zokujonga iikredit Amanye amashishini e-inshorensi aya kunika into efana neyo-inshurensi yobushushu. Oku kungabiza, kwaye ufuna ukuqiniseka ukuba uyayiqonda ngokucacileyo oko uhlawulayo. Kunokuba luncedo ukuba nomntu onecaleni wakho onokukunceda ukuba uhlele umdaka xa ubume bakho bebiwe. Abantu abaninzi baya kubhalisela le nto emva kokuba bajongane nobusela bezobakho, kodwa ukufumana ngaphambi kokuba kwenzeke oko kukunceda ulahlekelwe ukujongana nawe.