Ngaba Ngaba Ukujonga Ngokucacileyo Ukucima?

Zikhusele Kwiikratshi

Xa ufaka isheke kwaye "icima," into enhle - kodwa oko kuthetha ukuthini ngempela? Ingatshekisha okanye ikhanselwe emva kokuba icacwe? Ukuhlola ukuhlolwa kukuyinkqubo yokudideka, kwaye ukugxekwa kukuxhamla ngokudibanisa. Iziphumo zingaba isifundo esininzi kwiingozi zokufumana intlawulo ngetshekhi.

Into ebaluleke kakhulu ukuba ukwazi ukuba isheke liyakunqanda emva kokuba uyifake - nokuba ibhanki yakho ikuvumela ukuba uhoxise imali kwidiphozithi.

Uqwalaselo lweeChecks

Inkqubo yokucima ukuhlola iquka ukuhambisa imali kwi-akhawunti yombhali wekhenkethi kwiakhawunti yakho.

1. Ufaka isheke kwi-bhanki yakho okanye kwimanyano yamatyala.
2. Ibhanki yakho icela imali kwibhanki yombhenkethi.
3. Le bhanki isusa imali kwi-akhawunti yombhali wekhenkethi.
4. Imali ihamba kwibhanki yakho.

Xa le nkqubo iphelele, ngokuqhelekileyo (kodwa kungekho rhoqo) ekhuselekileyo ukuchitha imali.

Ngaba Yayicacisa Ngokwenene?

Ngelishwa, igama elithi "icacile" ngamanye amaxesha lisebenzisa ngokukhawuleza. Into ethile ichanekile emva kokuba ibhanki yakho ifumene iimali kwibhanki yombhenkethi. Kodwa abasebenzi bebhanki banokukuxelela ukuba isheke liye lacinywa, kwaye iinkqubo zeekhompyutheni zebhanki yakho zingabonisa ukuba unaloo mali efumanekayo yokuhoxiswa . Oko akuthethi ukuba unokuchitha imali engenazo ingozi.

Isigama esixubileyo: Kwiimeko ezininzi, xa umntu exelela into ethile ecacileyo, bathetha ukuba ungayisebenzisa imali (ngamanye amagama, uvumelekile ukuba wenze okusemngciphekweni wakho).

Ungayichitha loo mali ngekhadi lakho lokubambisa, unako ukurhoxisa imali kwi-ATM, okanye ungayifaka inkokhelo ngokuhlawula i- bill bill . Ininzi yexesha, eli sigama esingaqhelekanga silungile - iteksi ayifuni, ungasebenzisa ngokukhululekile, kwaye imali ifike ngaphandle kwengxaki.

Iimali ezikhoyo: Uninzi lwengxowanxu elijongene nokuhlola luvela kwimigaqo-bhanki nemithetho yombuso ekuvumela ukuba uchithe imali phambi kokuba isheke siphule.

Amabhanki kufuneka ukuba enze i-deposit yakho ifumaneke ngokukhawuleza (ngokuqhelekileyo i-$ 200 yokuqala, okanye i-$ 5,000 kwiihlolwe ezithile ezisemthethweni), kwaye kunokufuna ukukhulula imali eseleyo emva kweentsuku zoshishino eziliqela. Kodwa oko kuthetha ukuba unako ukufikelela kwimali - akuthethi ukuba itekisi isuliwe (okanye ukuba imali ifikile kwibhankini yombhikisho).

Umzekelo oqhelekileyo wendlela ukudideka okunokubangela ngayo iingxaki yinkcazo yekrisashi yeklasi . Ngaloo ngcikivo, umntu uyathumela isheke ngaphezu kokufunwayo, kwaye zicela ukuba ubuyisele ngaphezulu (phambi kokuba ufumanise ukuba i-check is bounces).

Kuthiwani Ukuba Uchitha Imali?

Ukuba ubeka isheke, uhoxise imali, okanye uchithe imali - kwaye i-check is bounces - unengxaki. Ibhanki iya kuguqula idiphozithi kwi-akhawunti yakho. Ukuba unayo imali kwi-akhawunti, ibhalansi yakho yekhawunti iya kulahla. Ukuba akunjalo, uya kuba ne-balance balance account kwaye uza kuqala ukuhlawula ezinye iintlawulo kunye nokuhlawula imali .

Ekugqibeleni, unembopheleleko yokufaka idiphozi yakho kwi-akhawunti yakho, kwaye nguwe osemngciphekweni. Ukhuselwe kwiintlobo ezithile zeephene kunye nobuqhetseba , kodwa loo khuselo alufihla ukuhlola okubi obeka kuyo. Ukuze ufumane imali yakho, kufuneka ulandelele ubani owanike isheke elibi.

Indlela Yokuzikhusela

Kukho iindlela ezimbalwa zokuphepha ukukhutshwa (okanye kufuneka uhlawule umpazamo oyinyaniso yomntu). Okokuqala, xa ulinde ukuchitha imali, bhetele amathuba akho. Kwiimeko ezininzi, iiveki ezimbalwa ukuya kwinyanga ininzi ixesha lokulinda - uninzi oluhlola kwiibhanki ngaphakathi e-United States kufuneka lithinteke ngoko ukuba luya kuluhlupha.

Kodwa ezinye iintlobo zeengxaki zinokuvela. Ngokomzekelo, isela singakuhlawula ngetshe ebibiweyo kwiakhawunti esemthethweni enemali eninzi. Kwimeko apho, itekethi ayiyi kuhlawula ngenxa yemali enganeleyo - kodwa umnini-akhawunti akayi kuqonda ukuba imali yebiwe. Ingotshe inokuthi icacise, kodwa ekugqibeleni uyakulahlekelwa loo mali emva kokuba ifumene ukuba intlawulo yayibuqhetseba.

Xa umntu ekuhlawula ngetekisi elibi, ngokubanzi kufuneka uvelise amanyathelo omthetho ukuba azuze imali yakho (okanye nayiphina ixabiso onokunika lona umntu owalihlawule).

Kwimeko ezininzi, kunzima okanye akunakwenzeka ukulandela loo mntu phantsi. Ukuba bekuyimpazamo ethembekileyo, unokukwazi ukulungisa imeko ngokumcela enye intlawulo.

Ngenxa yemingcipheko nobunzima bokubuyisela imali, ukukhusela iingxaki kubalulekile, kwaye iiflegi ezimbalwa zingabinceda ukuphepha ingxaki.

Iiflegi ezibomvu

Hlalani nilumke xa nibamkela ukuhlola. Ukuba uyazi ukuba ngubani osebenzisanayo kwaye bahlala behlawula ngaphandle kwengxaki, unokukwazi ukuvumela ukuba ugcine (ngaphandle kokuba bakuqeqesha ukuba wenze oko, njengokuba uhlalutyo lwemisebenzi yokutshintsha imali ). Ukuba awukwazi ukuba ngubani osebenzisana naye, yenza konke onako ukuhlawula ngokukhuselekileyo:

• Ukudluliselwa kwentambo kwi-akhawunti yakho kukhuselekileyo, nangona unokuba utyhile inombolo yakho ye-akhawunti.
• Ezinye iintlobo zentlawulo ngezinye izihlandlo zingahlawulwa (qaphela ukuhlawulwa kwekhadi lesikweletu , imiba yentlawulo yeVenmo kunye neengxabano zePayPal ).

Ziqaphele ngokukodwa kwiimeko ezilandelayo:

• Ufumana isheke kumntu ongazi.
• Isheke libhalwa ngaphezu kwexabiso ocelile.
• Umthumeli ufuna ukuba ufake imali engaphezulu kwemali (okanye kumhlobo wezoshishino).
• Isheke livela kwi-bhanki yangaphandle okanye ibhenkco-elibhaliweyo.
• Isheke livela kumntu ongekho (ikakhulukazi ukusuka kwibhankini kwelinye ilizwe).

Kakade ke, ngezinye iinkalo, kufuneka wenze isigqibo sokuba ngaba ungathembeli umntu okanye uziva ungakhululekile. Izinto ezilapha ngasentla zizinye zezinto eziqhelekileyo zokukhangela izikratshi.

Xa ungathandabuzeki, biza i-bhanki ukuba isheke ikhangelwe ukuba ubone ukuba ungayifumana naluphi na ulwazi malunga nokuba mhlawumbi isheke kukucima. Musa ukubiza inombolo kwinkokhelo kuba iyakwazi ukuya ku-scammer. Khangela phezulu kwinani lebhanki kwiwebhusayithi esemthethweni yebhanki uze ubize loo nombolo esikhundleni.