Kutheni ukhetho phakathi kweDebit okanye Imicimbi yeNtengo

Ngubani ohlawula iiRhafu zokuTshintshana?

Xa uthengisa ngekhadi lokubambisa, unokukhetha ukwenza ukuthengiswa kwemali okanye ukuthenga ngetyala. Uphi umehluko? Okukhethayo (okanye abathengi bakho) banquma ukuba ukuthengwa kwenziwa njani, iindleko zokucubungula, kuthatha ixesha elingakanani, kunye namalungelo akho.

Abathengi baya kukhetha ukuhlawula, kwaye abaninzi abaqondi ukuba kubaluleke kangakanani loo nto.

Ingaba yiMali okanye iNgxowa-mboleko?

Ukhetho phakathi kwe-debit kunye nekhredithi ngumlinganiselo phakathi kwe-intanethi kunye nokungaxhunyiwe kwi-intanethi.

Iziphumo "zokubambisa" kwiziphumo zokungaxhunyiwe kwi-intanethi kwi-checkout.

• Uza kufaka inombolo yesazisi ( PIN ) yokuqinisekisa ubungqina bakho.
• Unako ukukwazi ukubuyisela imali kunye nabarhwebi.
• Imirhumo yomrhwebi isezantsi, kodwa iibhanki zinokuthi zihlawulwe abanikazi bamakhadi imali eyongezelelweyo yokukhetha umda.
• Ukuthengiselana kugqityiwe ngekhompyutheni, ngokukhawuleza okanye kwimihla yohlobo olufanayo.

"I-Credit" ibangela ukuthengiswa kwe-Intanethi kwi-checkout.

• Uya kutyikitya (kwi-slip yentlawulo okanye kwisikrini) kwintengiso kunokufaka iPIN.
• Ukuthengwa kusebenza ngokusetyenziswa ngamanethiwekhi ekhadi lekhredithi (njengeVisa kunye ne-MasterCard).
• Awuboleki imali njengokuba uza kuba nekhadi lesikweletu-imali iphuma kwi-akhawunti yakho yokukhangela.
• Kungathatha iintsuku eziliqela ukuhlawulisa i-akhawunti yakho, kodwa ibamba lokugunyaza linokubopha imali kwi-akhawunti yakho yokujonga iintsuku eziliqela.
• Abarhwebi banokuhlawula imali ephezulu ye-swipe.

Kutheni Kubalulekile

Abathengi ngokuqhelekileyo abanandaba nokuba ukuthengwa kuyimali yokuthenga okanye ityala, kodwa iibhanki kunye nabathengisi benza.

Imirhumo yomthengisi: Umthengisi uhlawula ipesenteji yentengo yexabiso lokuthenga intlawulo. Iinkcukacha zixhomekeke kwizinto eziliqela (ubungakanani bokuthengisela, nokuba ngaba ikhadi likhona okanye lingekho, kunye nokunye), kodwa ngokuqhelekileyo kuyabiza kakhulu kubadayisi ukuqhutyelwa kwe-intanethi (iintsebenzo ze-PIN) ngaphandle kweentlawulo ze-intanethi.

Ukuthengwa okuncinci, kunye neentlawulo ezingekho phantsi kwe-intanethi zingongeza kwiipesenti ezimbalwa zokuthenga, ukutya kwiimitha zokuthengisa.

Yimalini? Umrhumo we-Durbin Ulungiso lwemali yokudibanisa amakhadi kwi-debit ukuya kuma-21 entente kunye ne-0.05 ekhulwini yokuhlawula. Inkokhelo eyongezelelweyo yecandelo lokukhwabanisa nayo ivumelekile kwezinye iimeko. Le mithetho isebenza kuphela "kwimisebenzi ehlanganisiweyo," equka amakhadi akhutshwe ngamanye amakhredithi amakhulu kakhulu. Nangona kunjalo, abanye abathumeli bamakhadi bangahlawulisa ngaphezulu. Ngokomzekelo, loo mithetho isebenza kuphela kwiibhanki kunye neemanyano zeentengo zemali kunye ne-R10 billion okanye ngaphezulu kwixabiso. Ngo-2015, i-Federal Reserve yabika ukuba iimali zokuthengiswa kwekhadi lokutsalwa kwemali ngokuqhelekileyo zijikeleze i-$ 0.24 nganye ngentlawulo. Ngokomyinge, ukuxolelwa (okungabhekwanga) kuthengisa i-$ 0.51 kwinqanaba.

Izibonelelo zabanini bamakhadi: Ukwandisa inzuzo, ezinye iibhanki zinika abathengi ithuba lokukhetha i-credit (okanye isohlwayo sokukhetha udoti, kuxhomekeke kwindlela obujonga ngayo). Kwixesha elidlulileyo, baye bahlawula imali yokuthengiswa kwe-intanethi - ngokuqhelekileyo kwi-ballpark enye ukuya kwiidola ezimbini. Ejongene nezo ntlawulo kunye nomvakalelo wokuba u-nickeled-and-dimed, abathengi banokukhetha ukhetho. Baya kunika imivuzo njengethuba lomlinganiselo wentsingiselo engcono ( ekunikeni umvuzo wokujonga i-akhawunti ), iikhilomitha zomoya, okanye ukungena kwi-sweepstakes xa ukhetha i-credit.

Ekugqibeleni, umntu uhlawula, nokuba ungumthengisi okanye umthengi.

Umthengisi usebenza: Amabhanki kunye nenkampani yokucubungula imali iya kukuthanda ukuba ukhethe i-credit ngoba ifumana iipesenti ezimbalwa zeedola zonke ozichithayo. Ngakolunye uhlangothi, bacela ukuba bahluke. Bakhetha ukuba ukhethe udoti ukuze kungabikho ukuhlawula umrhumo wokuthengisana. Kwezinye iimeko, zongeza ii- payloads zekhadi zekhredithi (ezingavumelekanga ngokuthengwa kwekhadi lomdaka phantsi komthetho wesigqeba) kuloo pasela ehlawulwa kubaxhasi abahlawula ngeplastiki. I-card yebhatalwa ubuncinane yindlela enye, kodwa amanethiwekhi enkokhelo avimbela ezo zincinci .

I-Akhawunti ibambe: Ukukhetha ukuthenga nge-debit okanye ukuthengiswa kwetyala kuyachaphazela ne- akhawunti yakho yasebhanki . Ukuba uye wakhawuleza ukuhlawula igesi epompo, uyazi ukuba ushintshela ikhadi lakho ngaphambi kokupompa igesi.

Umatshini akakwazi ukuba ungakanani umbane oza kuwuthenga, ngoko umnikazi wesiteshi segesi kufuneka enze izigqibo ezithile. Ngokuqhelekileyo, bajonga ukuba ngaba ubuncinane i-$ 50 okanye i-$ 100 efumanekayo kwi-akhawunti yakho-ngokufanelekileyo ngaphambi kokugunyazisa ukuthenga loo mali. Ukuba ugunyaziso lubuya, umthengisi "uyayinqanda" i-$ 50 okanye i-$ 100 ukuze ungayisebenzisi kwenye indawo .

Unokufumana kuphela i-10 yexabiso legesi. Nangona kunjalo, i-$ 100 iya kufakwa kwi-akhawunti yakho iintsuku eziliqela. Kwiimeko ezinzima kakhulu, uya kugqiba ukukhangela ukuhlola nangona unayo imali - ayifumanekanga ukuchitha . Ukuba usebenzisa ikhadi lakho lokubambisa ukuthenga kwansuku zonke, kufuneka uqaphele. Izindlela ezimbini zokuzikhusela ziquka:

1. Gcina imali eyongezelelweyo kwi-akhawunti yakho yokujonga.
2. Sebenzisa iPIN yakho ukuba unayo imali engaphezulu kwi-akhawunti yakho yokukhangela.

Qaphela ukuba ukusebenzisa iPIN yakho kuya kwenza ukuba ukuthengiselana kucacise iakhawunti yakho ngokukhawuleza. Nangona kunjalo, kukho umba wokhuseleko. Ngokufaka inombolo yakho yePIN, ubeka umngcipheko wokuba umntu othile uya kuwufumanisa. Amasela (okanye ikhamera efihliweyo) unokubona ukuba yiziphi iinombolo ozibetha kwipikhidi, okanye idivaysi yomthengisi inokushiya i-PIN yakho - ingaba ngenjongo okanye ngengozi.

Ukuba i-PIN yakho ithatyathwa, ugaxekile unokufikelela ngqo kwi-akhawunti yakho yokukhangela. Bangakwazi ukudala amakhadi amanga kunye nokuchitha imali yakho, okanye bangenza ikhadi le-ATM lokukhohlisa ukwenza imali yokurhoxiswa. Ukuba bakhupha i- akhawunti yakho yokukhangela , awuyi kuba nako ukuhlawula iindleko ezibalulekileyo. Ngethamsanqa, amakhadi anokwenza i-chip aya kunciphisa ingozi ethile.

I-akhawunti yakho inokukhuselwa kwibuqhetseba , kodwa kuya kufuneka uhambe kwiintsuku ezinzima okanye iiveki ngaphandle kwemali yakho ngelixa umcimbi usombululo kwi-bhanki yakho.

Amalungelo akho ngeCredit Debit

Amakhadi ezithintelo kunye namakhadi ekwereta awanikezela ukukhuselwa kwabathengi, kodwa amakhadi enkoleko anesisa . Usakhuselekile ukuba ikhadi lakho lokubambisa lisetyenziswe isela okanye iindleko zithinte i-akhawunti yakho ngephutha - kodwa kufuneka usebenze ngokukhawuleza. Xa kuthelekiswa namakhadi-ngetyala , amakhadi esetyenzisiweyo anokukubeka emngciphekweni ongakumbi . Ngeemakhadi zemali-mboleko, ukhawulelwe kwi-$ 50 yemfanelo yokusetyenziswa kobuqhetseba. Ngaphezu koko, isela liza kuchitha imali yebhanki-ayiyi kukhupha i-akhawunti yakho yokutshekisha kwaye ibangela ukuba ufumane ukuhlolwa okubalulekileyo (okanye ukuhlawula imali ekhoyo engenazo iimali).

Ngekhadi lokukhwabanisa, ukhuselwe njengolu hlobo lulandelayo (Umthombo: i-Federal Reserve ne-Federal Trade Commission):

Ilahleko lakho lilinganiselwa kuma-$ 50 xa ukwazisa isikhungo semali kwisithuba seentsuku ezimbini zeentsuku emva kokufunda ngokulahleka okanye ukwebiwa kwekhadi lakho okanye ikhowudi.

Kodwa unokulahlekelwa ngu-$ 500 ukuba awuxeleli umniki-makhadi kwiintsuku ezimbini zeentsuku emva kokufunda ukulahleka okanye ukweba.

Ukuba unika ingxelo yokungeniswa okungagunyaziswanga okuvela kwisitatimenti sakho zingakapheli iintsuku ezingama-60 emva kokuba isitatimende sithunyelwe kuwe, ubeka umngcipheko ukulahlekelwa okungenamkhawulo ekudlulisweni okwenziweyo emva kweentsuku ezingama-60 . Oko kuthetha ukuba ungalahlekelwa yonke imali kwi-akhawunti yakho kunye nomgca wakho we-credit overdraft, xa kukho.

Ukunikezelwa kwengozi yokulahleka, kunye neentloko zokufaka ingozi ngqo kwiakhawunti yakho yokujonga, ubomi bakho buya kuba lula xa usebenzisa ikhadi lokuthenga ngetyala. Masihlawule ngokupheleleyo ngokupheleleyo nyanga zonke ukuphepha iindleko zentshisekelo (ukuthatha inzuzo kwithuba lobabalo ). Sekunjalo, kunokubakho amaxesha apho kunengqiqo ukunamathela kumakhadi okukhwabanisa: ungeke ukwazi ukufumana ikariti yekhredithi, unokufuna ukunceda umntwana ukuba ahlakulele imikhwa emihle, okanye ungayithandi ingcamango - ityala lesigxina ngaphandle kweerhafu. Ukujongana nezinye zeengxaki, sebenzela ukwakha imbali yakho yematyala ukuze ufaneleke kumakhadi angcono (angabizi ngaphantsi), okanye uzame ikhadi lokubhadela ngaphambi kokuhlawulwa ngaphandle kwekhonkco ngqo kwi-akhawunti yakho yokukhangela.