Ngaba Oku Kungumthetho? Kuthiwani ngeeMali eziNcinci zokuThengwa?
Lwenzeka ntoni le?
Ukuba kuyamangalisa ukuba abathengisi banokwenza oku, akunjalo.
Imithetho evumela ukunyuswa kwekhadi lokuthenga ngetyala kunye nokuthengwa okuncinci ngokutsha. Ngenxa yesigwebo sezenzo zeklasi ngokumelene nabaniki bamakhadi kunye neebhanki, abathengisi banelungelo lokunyusa iirhafu okanye "i-checkout" ezi ntlawulo ziqala ngoJanuwari ka-2013. Kodwa abathengisi abaninzi bekunjalo (kwaye baqhubeka bebe) bephuza ukuba bathathe iindleko zekhadi zekhredithi. Abanye, njengabathengi abaninzi, abanokwazi malunga nokukwazi ukuhlawulisa ngaphezulu, kwaye abanye abafuni ukubonakala ngathi bafuna abathengi ngamabhakethi ambalwa.
Abadayisi nabo bavunyelwe ukubeka iimfuneko zokuthenga ubuncinci emva ko-2013 ngenxa yesilungiso se-Durbin (inxalenye ye-Dodd-Frank Wall Street Reform kunye noMthetho woKhuseleko kwabaThengi, owadluliselwa ngenxa yeengxaki zemali). Ekuqaleni ubuncinane bubekwe ngaphaya kwama-R10, kodwa loo nombolo ingatshintshwa kwixesha elizayo, mhlawumbi ngenxa yokunyuka kwamaxabiso.
Kwixesha elidlulileyo, abathengisi abazange bavunyelwe ukwenza okunye kwezi.
Nangona kunjalo, kwakungekho nto engabonakaliyo yokuba abathengisi "bengabalulekanga" babeke inani elincinci lokuthenga. Ezi zenzo zazingekho mthethweni ngeli xesha, kodwa zaphulaphula isivumelwano somthengisi kunye neenkampani zekhadi lesikweletu. Abathengisi abasoloko bagwetywa ngenxa yokuphula imithetho.
Amazwe ajonge kwiiKhadi zeKharity Card
Nangona isemthethweni phantsi komthetho wesigqeba ukuba ungeze umrhumo wokuthengiswa kwekhadi lesikweletu, ezinye zithi ziyakwenqabela ukusebenza.
Izizwe ezilishumi sele sele zineemithetho kwiincwadi phambi ko-2013. Ngoku ukuba abathengisi bangasebenzisa ngokusemthethweni iintlawulo, ezinye iindawo ziqwalasela ukukhutshwa komsebenzi. Amazwe athi okokuqala ayenze i-credit card overcharges engekho mthethweni yiCalifornia, eColorado, Connecticut, eFlorida, eKansas, eMaine, eMassachusetts, eNew York, e-Oklahoma naseTexas.
Iimimiselo kuMthengisi
Ukuba abathengisi banqume ukusebenzisa i-credit card charges, kufuneka balandele imithetho embalwa:
- Inyaniso yokuba kukho umrhumo okhutshelweyo kufuneka ubonakaliswe ngokucacileyo kuwe ngaphambi kokuba kukho nawuphi na umthengi
- Umrhumo wekhadi lokuthenga ngetyala kufuneka uboniswe kwi risithi yakho
- Umrhumo ongaphezulu awukwazi ukugqithisa umrhumo othengayo okanye u-4% (uhlawula ngaphantsi kwezi zibini, ngokuqhelekileyo u-2-3%)
Qaphela ukuba iindleko kunye neemfuno zokuthenga ubuncinci zivunyelwe kuphela ekuthengweni kwekhadi lesikweletu - kungabikho ukuthengiswa kwekhadi (nangona ubhalisela ukuthengwa endaweni yokusebenzisa iPIN).
- Ukufunda okungakumbi: I- Debit Card Minimums - engekho mthethweni okanye ixhala nje?
Ukuphula imithetho
Ungamangalisi ukufumana abathengisi bephula le mithetho. Badidela bonke abantu, kwaye abanye abathengisi banokukhetha ukungazilandeli. Yintoni ongayenza xa umntu esebenzisa ukukhishwa kwamakhadi engekho mthethweni?
Okokuqala, gcinani engqondweni ukuba umnini-shishini unokungaqhelani nemithetho nemithetho ephathelene neengxowa zekhadi zekhredithi.
Baye baninzi ukujongana nabo, ngokukodwa kwi-economic hardness, kwaye ukusika yabo ingeniso kwi-top ohlwini lwabo lwezinto eziphambili. Ukuba i-shishini elincinci okanye i-mom-and-pop, vele ubazise ukuba ucinga ukuba bangayiphula imithetho - inomdla wabo ukuba bazi le nto kwaye bahlale bevela kwingxaki ngeenkampani zekhadi zekhredithi kunye nabalawuli (ezinkulu iinkampani kufuneka sele sele uqaphela oku oku). Amashishini anolandelayo alandelayo angenza ukuba abathengi bahlale bazi ukuba abanqwenela ukuhlawulwa ngamakhadi-mboleko, kwaye banokukwazi ukunikela izaphulelo zokuthenga ngemali.
Ukuba ishishini liphula ngokugqithiseleyo imigaqo kwaye ufuna ukwenza okuthile malunga nalo, ungabika ishishini kwiikhampani zekhadi lesikweletu, ezithe zayisayina izivumelwano kunye namashishini anqabela umsebenzi onjalo.
Bika ukuphulwa ngokubiza umnini-khadi wakho usebenzisa inombolo kumqolo wekhadi lakho, okanye ngenise isikhalazo kwi-intanethi:
- Hambisa ingxelo malunga nokuthengiswa kweVisa
- Hambisa ingxelo malunga nokuthengiswa kwe-MasterCard
Ukuba amashishini aphulaphula ngokugqithisileyo umthetho (ngokufaka iindleko ezithintekayo kumazwe awanqabelayo, okanye ukukhupha ngaphezu kokuvunyelwa phantsi komthetho we-federal), unokuzixela kwakhona kwi-Attorney General.
Ukuba unolwazi malunga nokuba kutheni amabhizinisi aqhubeka engozini yokuphulwa kwemithetho kunye nemithetho , ingxoxo yabo yile: kufuneka bahlawule iimali zokufumana amakhadi ekredithi, ngokubanzi ukususela kwi-1-3% yento yonke yokuthengiselana (iifizi zamakhadi ezemali ziphantsi). Kwamashishini athile, ngakumbi xa kuthengwa amancinci, kunzima ukwenza nayiphi na imali xa abathengi bahlawula ngekhadi lesikweletu. Ukuba ufuna ukuxhasa ishishini lakho lendawo, zama ukuphepha ukuhlawula ngamakhadi-ngetyala kwaye uxelele abahlobo bakho ukuba benze njalo-ngaloo ndlela ibhizinisi lingagcina ngaphezulu kwezinto abazithengayo, kwaye abayi kuhendeka ukuba bajike imithetho.