Yiyiphi engcono?
Amakhadi enkoleko anemivuzo emininzi ngaphezu kwamakhadi e-debit - ngakumbi ukuba unenkxalabo malunga nokukhusela i-akhawunti yakho yokujonga-kodwa i-credit card ineendawo zazo.
Ngaphambi kokuba uzibophelele kuhlobo olulodwa lwekhadi (ongenakuyenza, kuba ungasebenzisa amakhadi ahlukeneyo ngeenjongo ezahlukeneyo), kunceda ukwazi ubuhle kunye noxanduva lolunye uhlobo.
Iingenelelo zeeCards Debit
Akukho matyala: Kwabaninzi, isibheno samakhadi e-debit kukuba akukuvumeli ukuba ungene kwiityala. Uvumelekile ukuba uchithe oko kufumaneka kwi-akhawunti yakho yokukhangela, kwaye kunjalo. Ngaphandle kokuba ubhalisele ukukhuselwa kwe-overdraft ozikhethelayo , ikhadi lakho liya kuyeka ukusebenza xa uphuma ngemali, kwaye oko kunceda ukuba unzima ukulawula imali yakho. Kukho iimeko ezimbalwa apho unako ukufumana ukubethelwa kweemali zaneleyo , kodwa loo matyala awanqabile. Awuyi kufumana ubunzulu kwi-matyala, kwaye awuyi kulwa nemirhumo ephezulu yenzalo nyanga zonke.
Iindleko ozihlawulelayo: Amakhadi e-Debit ayithengi kakhulu. Ngokungafani namakhadi eentengo zemali, amakhadi e-debit awahlawulanga iifizi zonyaka.
Ezinye ukujonga i-akhawunti (oya kuyidinga ngekhadi lomdaka oqhelekileyo) hlawula iifizi zondlo -mboleko ukuba awufaneleki ukuxoshwa, kodwa i-akhawunti yokutshekisha iyimfuneko -ikhadi lekhredithi ayikho. Ngaphezu koko, unokufumana ukukhangela kwamahhala kwenye indawo . Ukuba ufuna imali evela kwi-ATM, unethuba elihle lokukufumana mahhala ngekhadi lakho lokubambisa, kodwa ukunyuka kwekhadi lesikredenti kuhambelana nexabiso.
Iindleko zabathengisi zihlawula: Amakhadi e-Debit angabi naxabiso kwiintengiso. Abathengisi bahlawula iirhafu zokucwangcisa iintlawulo zenu, kunye ne-debit card imirhumo ye-swipe iyancinci kakhulu kuneemali zekhadi zekhredithi (nangona kukho ukungabikho). Ngenxa yoko, abanye abathengisi bafuna ukuba uhlangabezane nemigangatho ephantsi yokuthenga xa usebenzisa ikhadi lekhredithi (ubuncinane be-$ 10, umzekelo). Unokukunceda amashishini akho ozithandayo agcine ixabiso eliphantsi xa uhlawula ngekhadi lokubambisa.
Ukulula: Ikhadi lakho lokubambisa liza neakhawunti yakho yokutshekisha, kwaye ufuna i-akhawunti yokukhawuleza , ngoko ukongeza ikhadi lekhredithi kumxube nje ukongeza uluhlu lwezinto ezinzima kwiimali zakho. Leyo enye igama lomsebenzisi kunye nephasiwedi, enye inombolo yekhadi engabanjelwa, kunye nentlawulo eyongezelelweyo oyifunayo ukuba uhlale phezulu kwinyanga nganye. Ikhadi lakho lokubambisa liya kusebenza phantse kuyo yonke indawo i-card credit card isebenza .
Akukho ngetyala efunekayo: Amakhadi e-Debit alula ukufumana ukuba unesikolo esibi (okanye akukho). Ukuba unokufumana i-akhawunti yokukhangela, unokufumana ikhadi lokubambisa. Ungasebenzisa ngisho nekhadi lokubhadela ngaphambi kokuba ufumane i-akhawunti yebhanki ayikho inketho. Enoba awuyithandi imbono yetyala okanye awukwazi ukufumana iimveliso zetyala , i-debit cards ikuvumela ukuba ucacise amakhadi ekweretheni.
Bonke abo bathi, amakhadi ekwereta anenzuzo.
Iinzuzo zeeKhadi zeMatyala
Umngcipheko omncinci: Xa usebenzisa ikhadi lokukhwabanisa, imali iphuma kwi-akhawunti yakho yokukhawuleza ngokukhawuleza. Ngekhadi lesikweletu, wena (okanye amasela nge nombolo yakho yekhadi) uchithe imali yebhanki, kwaye unesithuba sokubakho ngaphambi kokuhlawulwa. Oku kukunika ixesha elide ukuphawula iimpazamo nokuphikisana nabo-ngelixa ugcina i-akhawunti yakho yokujonga ihambelana. Amakhadi eemboleko anika nokukhusela okungcono kukukhwabanisa (nangona amakhadi amaninzi athatywayo ngokuzikhethela "inkokhelo" injalo ifanayo): Ngamakhadi-ngetyala, awukwazi ukulahlekelwa ngaphezu kwama-$ 50 ukukhwabanisa, kodwa ngekhadi lokukhwabanisa, uxanduva lwakho lungenakunqunyulwa phantsi umthetho womthetho .
Ukhuseleko olongezelelweyo: Nangona iipolisi zemfanelo zero zenza i-debit amakhadi phantse njengekhuselekile njengamakhadi-ngxowa-mali (ukungawunaki ixesha eliyifumanayo ukubuyisela imali kwi-akhawunti yakho yokukhangela), amakhadi enkoleko anikezela ngezibonelelo ezongezelelweyo.
Kulula ukuphikisana neentlawulo xa kukho ingxaki, kwaye amanye amakhadi esikwereti anikezela ngeziqinisekiso ezininzi ezithengayo kunye ne-inshurensi yokuhamba.
Ukwakha nokugcina i-credit: K Ukugcina iakhawunti yekhadi lekredithi kukunceda ukuba wakhe umlando wesikweletu esinamandla - okanye ugcine i-credit yakho ngendlela enhle. Amakhadi e-Debit, ngokuyinxalenye, ayichaphazeli i-credit yakho . Abanye abasebenzisi bekhadi elinobungozi bokukhawuleza besithi abakhathaleli ngamanqaku esikweletu ngenxa yokuba abayi kuze bafune ukubolekeka, kodwa loo manqaku ibalulekile. Unokufuna ukuboleka ngelinye ilanga (ukuthenga ikhaya okanye imoto, umzekelo), kwaye ukuqala ukususela kunzima. Awuyi kuhlawula nayiphi na inzala yemali xa uhlawula i-balance balance card yakho ngokupheleleyo nyanga zonke, kwaye amanye amakhadi akanakho imali yonyaka, ngoko akukho nto ilahlekelwa ngayo.
Imivuzo: Ukuba ungumhlobo ofuna enye encinci, amakhadi ekwereta anikezela umvuzo olungcono kunamakhadi e-debit (nokuba oko kuthetha ukufikelela kwizaphulelo, ukubuyisela imali, okanye amanqaku okuhamba).
Imida ephakamileyo: Amakhadi eemboleko kaninzi afika nemida ephezulu kunexabiso lemali oqhubekayo ukuyijonga . Ngenxa yoko, akudingeki uxhalabele ngokushaya umda wakho ngenxa yokugunyazwa kwaye ubambe. Uza kuba neengxaki ezimbalwa usebenzisa ikhadi lakho leemoto eziqashisayo, amahotele, igesi epompo, kunye nokutya (apho ukugunyazwa kwangaphambili kugcina iifakela iimali kwiintsuku eziliqela, ingaba ungayikhokheli na ikhadi).
Ezinye iingeniso: Ngokuxhomekeke kwimeko yakho (kunye nomniki wakho wekhadi), kunokukho nezinye iindleko zokusebenzisa amakhadi ekwereta. Ngokomzekelo, kwezinye iarhente zeenqwelo zokuqashisa, ikhadi lekhredithi yindlela efanelekileyo eyamkelekileyo yokuhlawula. Ngezinye iimbono ezimbalwa, jonga i- 8 yekhadi lokuthenga ngetyala. Mhlawumbi ungazi ukuba unayo .
Yintoni e bhetele?
Ekugqibeleni kuya kufuneka unqume oko kubaluleke kakhulu. Ukuba ufuna iindawo ezilungileyo zezo zombini, sebenzisa zombini amakhadi:
Ikhadi lekhredithi lilungele ukuthenga ezininzi. Xa uthengela kwi-intanethi okanye ngomntu, ikhadi lekhredithi likukhusela ngeendlela eziliqela apho ikhadi lokukhangela lingakwazi (kuquka ukukhusela i-akhawunti yakho yokukhangela, i-warrantties eyongeziweyo, nokunye). Inkokhelo kukuhlawula ibhalansi yekhadi ngokupheleleyo nyanga zonke ukuphepha iindleko zemali.
Ikhadi lokudityanisela lilungele ukurhoxiswa kwemali kunye nokukhutshwa kwetyala . Ukuhlawulwa kwemali kwi-ATM, ikhadi lakho lokubambisa likhethekileyo. Uya kugcina iifizi ubuncinci, kwaye ulwazi lwakho lwekhadi alunakwenzeka ukuba lubiwe ukuba unamathela kwiATM ezikhuselekileyo . Ukuba ikhadi lekredithi liya kukulinga ukuba uthathe intaba yetyala, unamathele kwikhadi lomdaka. Kodwa ekugqibeleni, kufuneka ulandele iindleko zakho (uhlobo lwekhadi oyisebenzisayo alinakukwenza oko). Ukuba awuyenzi loo nto, uya kufumana iindlela zokukopela kwaye uchithe okungaphezulu kunokuba ungayithatha nantoni na kwi-wallet yakho.
Amakhadi eDebit ahlawulwe
Ukuba awukwazi ukugqiba isigqibo, amakhadi e-debit akhokhelwayo anikezela ezinye zeenzuzo zamakhadi kunye neakhadikhadi.
Njengamakhadi-mboleko , zigcina i-akhawunti yakho ephambili ekuhloleni i-akhawunti ekubeni ibonakale kwihlabathi. Ukuba kukho impazamo okanye umntu oba inombolo yakho yamakhadi, imali kuphela ekhoyo yimali oyilayishile ekhadini. Nangona kunjalo, awukwazi ukuchitha loo mali (ongayifumanayo), kwaye ukufumana imali eyitshintshileyo ibe yinkqubo epholileyo kwaye enzima.
Njengama-debit amakhadi , amakhadi ahlawulwe kuqala akuthintela ukuba ungene kwiityala. Unokuchitha kuphela imali oyilayishe ekhadini. Xa loo mali isetyenzisiweyo, ikhadi liyeka ukusebenza.