Ukuhlawula iiKhenketho?

5 iindlela zokuphepha ukukhangela isheke

Ukukhangela ukuhlola kukulula kwaye kulula ukufumana. Kungabonakala ngathi yimpazamo elula kuwe, kodwa iibhanki, abathengisi kunye nabanye bayithatha ngokungqongqo. Baya kunzima ubomi bakho kwaye bahlawule imali ephezulu, ngoko ke indlela efanelekileyo kukukhusela ukukhangela isheke kwindawo yokuqala. Unokugqiba kunye neentlawulo zolwaphulo-mthetho kunye nomonakalo kwikhredithi yakho.

Kutheni uhlawula iireki?

Ingcinga efanelekileyo ukuqonda indlela iitshekhi ezicutshungulwa ngayo kwaye kutheni kuthotywa lula kangaka ukubhala ukuhlola okubi.

Okokuqala, yonke into yikhompyutha ukuze izinto zenzeke ngokukhawuleza. Nangona ubhala isheke elidala kunye nephepha kunye nephepha, isheke singaguqukela kwisheke sekhompyutheni xa usibeka kumthengisi okanye kwinkampani yakho yokusebenza. Akudingeki ukuba uthumele ikhonkco naliphi na indawo (eyasetyenziswa ukukunika ixesha elide lokuza nemali).

Nokuba bakho abahlobo kunye nosapho banakho ukufaka iitshekhi ngefowuni yeselula emva kokuba uyinike.

I-teknoloji inika nakwezinye iindlela zokukhangela isheke. Awunayo ukuba ubhale isheke somzimba; unakho ukuhlawula ngokuzenzekelayo iindleko kwi-akhawunti yakho. Xa izinto zizenzekelayo, kulula ukulahleka umkhondo wendlela enayo kunye nendlela ochitha ngayo. Ezi ntlawulo zinokungaphumeleli xa uchitha imali, kwaye zandisa amathuba okubheka isheke esitolo - ngaphandle kokuba ukhumbule yonke inkokhelo echithwe kwi-akhawunti yakho kwaye xa imali iphuma.

Indlela yokuphepha ukubetha esinye isheke

Kulula ukufumana isheke, kodwa kulula ukuphepha kunye nemikhwa emihle (eya kukunceda imali yakho ngezinye iindlela)

1. Ukulinganisela i- akhawunti yakho yokujonga ukuze ukwazi ukuba kufuneka uchithe kangakanani. Ukuba ungenayo imali, ungabhala isheke. Qinisekisa ukuba ubhalise ngokuchithwa ngokuzenzekelayo kunye neentlawulo zentlawulo ye-intanethi .

1. Ukuphonononga izilinganiso zeakhawunti ngaphambi kokuba uchithe . Ngena kwii-akhawunti zakho kwi-intanethi (ungasebenzisa nokusebenzisa idivayisi yakho yeselula). Ukutyelela i-ATM kumbuzo wobhaliso okanye ukufowunela ibhanki yakho ukuba kufuneka - kufuneka ukuba uthathe umzuzu owongezelelweyo ukuyeka ukuhlawula .
2. Sebenzisa uhlahlo lwabiwo - mali ukuze wazi apho idoli nganye ihamba khona phambi kokuba ufumane. Ukucwangciswa kwangaphambili kuthetha ukuba unokubambisa izinto eziyimfuneko kwaye ugcine ulindelwe ngokukodwa malunga nokusetyenziswa kwezinto ezintle. A
3. Yeka iintlawulo zekhompyutha xa ziyakunqumla. Indlela efanelekileyo yokuqonda nokulawula yakho imali ukwenza yonke into ngesandla. Emva kokuba uyeke ukuhlawula i-check checks phambili kwaye uqhubeke usebenzisa iteknoloji. Qaphela ukuba ungeke ukwazi ukwenza yonke into ngesandla (okanye kungabiza ngaphezulu ukubhalela iitshekhi kunokusebenzisa i-bill pay online) ukuze ufune ukukhetha ukhethe ukuthatha indawo ngaphandle.

Unako ukusebenzisa i-bhanki yakho yokuhlawula i- bhanki kwi - intanethi ukuhlawula iindleko, kodwa kukulungele ukuba ubhekisise ubomi bonke abaza kungena kwaye bathethe ixesha lokulihlawula. Ukusebenzisa ukuhlawula i-bill ye-intanethi ikuvumela ukuba ucofa nje "Thumela" (xa yonke into isetyenzisiwe) kwaye ugweme ukuhlawula iposi.

5) Fumana umgca we-creditreji xa yonke into ihluleka. Ngokuqhelekileyo ukhetho olubi kakhulu kwibhankini.

Unokuphepha ukuhlolisisa iindawo zokujonga iindawo ezininzi ngasentla, kodwa yinto efanelekileyo yokufumana umnatha ukhuseleko.