I-Federal Law and Payment Networks inikezela ngoncedo
Kwiimeko ezininzi, akufanele uhlawule xa kukho into engafanelekanga - umthetho wesigqeba unika ilungelo lokuba ezo zityholo zisuswe. Kodwa nawe unembopheleleko ezayo nalawo malungelo. Umsebenzi wakho kukujonga i-akhawunti yakho kwaye ubike iingxaki kwibhanki yakho okanye kwimanyano yekhredithi ngokukhawuleza.
UMthetho weSithili, iiNzuzo eziNgezelelweyo
Kule minyaka, imithetho iguqukile ukukunceda ukuba ugweme ukuhlawula iintlawulo ezingekho mthethweni. Abenzi bomthetho baqala ukujongana nombandela ukususela ngowe-1978 ngoMthetho we-Electronic Funds Transfer Act (owaziwa ngokuba nguMiselo E). I-E E isebenza kwii-electronics transfer transfers (EFTs) kwi-akhawunti yebhanki, kodwa kungekhona nakwezinye iinkonzo ezinjengebhanki.
Umzekelo, ikhadi lakho lokubambisa likhuselwe kuba likhupha ngqo kwi-akhawunti yakho yokukhangela, kodwa ikhadi lakho lekhredithi lisebenzisa imithetho eyahlukileyo (amakhadi enkoleko ngokuqhelekileyo aphephile kunamakhadi e-debit xa kuziwa kukhuseleko lwabathengi). Amanye amakhadi ahlawulwe kuqala , xa abanye bengabikho.
Ibhanki yakho okanye umnikezeli wekhadi unokunikezela ngeenzuzo ezingaphezulu nangaphezulu kwezinto ezifunwa ngumthetho. Uza kudla uva nge-"zero-mboleko" nkqubo, kwaye ezo zixhobo zinokukunceda ukulawula umngcipheko wakho (iinzuzo zifana nokukhuselwa kwakho kunye nekhadi lesikweletu). Kodwa kusenokuba ungenayo imali kwi-akhawunti yakho iintsuku ezimbalwa ngelixa izinto zihlulwa.
Iintlobo zoTshintsho lweeMbane
Ziziphi na iingxaki ezikhuselweyo kuzo? Ukudluliselwa kweengxowa-mali ze-elektroniki ezichaphazela iakhawunti yakho ngenxa yeephene kunye nobuqhetseba. Ezinye izibonelo eziqhelekileyo ziquka:
- Ukukhishwa kweATM
- Ukuthengiselana kwekhadi lomthengiso (nokuba uzaliswe kumntu-mntu, kwi-intanethi, okanye ngefowuni)
- Ukuhlolwa kwephepha kwiphepha eliye laguqulwa kwii-check checks
- Idlulisela phakathi kwe-akhawunti yakho yasebhanki
- Utshintshela ngaphakathi nangaphandle kwee-akhawunti zakho (njenge- deposit ngqo okanye iintlawulo ze-intanethi ye-intanethi - kodwa ukuba ibhanki yakho iprinta kunye ne-imeyile isheke, intlawulo ingenakucelwa)
Iintengiselwano eziPhezulu
Ukuba ikhadi lakho lokubambisa libiwe, kubalulekile ukwenza ngokukhawuleza. Ukuba uyazisa ibhanki yakho yelahleko phambi kokuba nayiphi iindleko ezingagunyazisiweyo zithinte i-akhawunti yakho, awuyikuhlawulwa kweentlawulo. Nangona kunjalo, ukulinda kungakubiza.
- Unokubanjwa uxanduva lokufikelela kwi-$ 50 yeentlawulo ezingagunyazisiweyo ukuba uyazisa ibhanki yakho yokulahleka kwiintsuku ezimbini zoshishino zokulahleka
- Unokuba uxanduva lokufikelela kwi-500 500 yeentlawulo ezingagunyazisiweyo ukuba uyazisa ibhanki yakho zingadlulanga iintsuku ezingama-60 (kodwa ulahlekelwa ngumhla wokugqibela weentsuku)
- Umngcipheko wakho awunamkhawulo xa ulinda ngaphezu kweentsuku ezingama-60 - amasela anokukrazula i-akhawunti yakho kwaye uchithe imali ongenayo ngisho nokusebenzisa imigqa ye-credit overdraft
Qaphela ukuba ukulahlekelwa ngekhadi lesikweletu akunakuyingozi njengokuba ulahlekelwa ikhadi lokukhwabanisa.
Ngekhadi lekhredithi elahlekileyo okanye elibiweyo, uhlawulwa kuphela ukuya kuma-50 engama -blaji angagunyazisiweyo (njengamakhadi e-debit, awukho uxanduva lweentlawulo ezithintela i-akhawunti yakho emva kokuba ubika ilahleko).
Iimpazamo kwiAkhawunti yakho
Ukuba usenayo ikhadi lakho lokubambisa, unexesha elide lokubika iimpazamo kwaye uhlawule iindleko-kodwa akusoze kube yinto efanelekileyo ukulinda. Ukuba impazamo ihlaba i-akhawunti yakho, unentsuku ezingama-60 emva kokuba isitatimenti sakho senziwe ukubika amaphutha. Emva kwelo xesha, unokuba noxanduva lwezityholo, ngoko qiniseka ukuhlaziya rhoqo ii-akhawunti zakho zasebhanki.
Emva kokuba wazise iBhanki yakho
Emva kokuba uxelele ibhanki yakho nayiphi na ingxaki, ufumana imali ngokukhawuleza? Akunjalo. Le yindlela enye yokukhawulwa kwamakhadi ayingozi kuneemakhadi zekredithi: imali oyifunayo yeebhanki ayinakufumaneka xa uyayidinga (nangona impazamo kwikharityhulam yekhredithi ayinayo ifuthe ngqo nakwi-akhawunti yakho yokukhangela).
Ibhanki ineentsuku ezili-10 ukuphanda naziphi na izimangalo ozenzayo okanye zithengise ngexeshana i-akhawunti yakho (eyaziwayo njengekhredithi yesikhashana). Ngokuqhelekileyo uya kubona imali ezuzwa kungekudala kunoko. Uphando malunga nempazamo inokuthabatha ixesha elide-ukuya kwiintsuku ezingama-45 okanye ezingama-90, kuxhomekeke kuhlobo lokuthengiselana - kodwa uvumelekile ukusebenzisa imali ngelixa uphando lwenzeka. Nangona kunjalo, ukuba ibhanki inquma ukuba akukho mpazamo okanye ubuqhetseba, unoxanduva lweentlawulo. Ikhredithi yesikhashana iya kuthathwa kwakhona, kwaye kufuneka ubeke loo mali ukuba uyenayo kakade.
Ukuzisa ibhanki yakho kunokufuna okungaphezulu nje kwefowuni okanye i-imeyile esheshayo. Ukuze ufumane ukukhuselwa ngokupheleleyo phantsi kweMimiselo E, kubalulekile ukulandela nayiphi na imiyalelo ebhanki yakho. Emva kwesaziso somlomo, unokufuneka ukuba ungenise ifomu ethile okanye unikezele amaxwebhu angqina ukuba awukho uxanduva lweentlawulo. Ukuba unqabana nawaphi na amanyathelo, unokulahlekelwa ngamalungelo akho.
Okunye (okanye ngaphantsi) Khuselo
Ummiselo E awusona kuphela umgaqo wemithetho onokukukhusela ekukhwabaneni kunye neziphene. Ngamanye amaxesha imithetho yesizwe inikezela uncedo olungakumbi. Fumana izixhobo zokukhusela umthengi kwimeko yakho xa unenkathazo (cela i-Ofisi yeGqwetha likaGqwetha-General ukuba awukwazi ukuba ungaqala kuphi).
Inkqubo yokuhlawula inokukunceda. Ngokomzekelo, iVisa kunye ne-MasterCard bobabini banika ukhuseleko oluqinileyo kubanini bamakhadi. Abanye abaphathi abafana ne-PayPal banikela ngeenzuzo ezifanayo.
Ngelishwa, ukuba uqhuba ishishini, awuyikunwa nokukhuselwa okufanayo njengabasebenzisi . Ummiselo E awufihla i-akhawunti yezoshishino, ngoko ke kubaluleke kakhulu ukuba ubeke i-akhawunti yebhanki, ulawulo lwamanqanaba emali, kwaye ugcine umkhondo wamakhadi okuchitha. Nangona kunjalo, unako ukufumana ukhuseleko lwentlawulo kwiimali ezikhutshwa ngabakhadi bekhredithi.