Ekuboneni kokuqala, iifayili zinokukwenza ukuba udibanise amakhadi okukhawuleza kwi-debit vs ukhuphiswano lwekhredithi. Imali engaphezulu kakhulu oyifumanayo kwikhadi lomdaka oqhelekileyo ngumrhumo we- POS - uhlawuliswe xa usebenzisa ikhadi lakho lokubambisa kumthengisi usebenzisa inombolo yePIN . Nangona i-maride isuka kwiibhanki ihlawula le mirhumo , usenokuhlangana nabo. Amakhadi e-debit ahlawulwe ngenye ibali lilonke, kwaye ziyaziwayo ngokuba zihlawula iindleko eziphezulu (nangona ezo ntlawulo nazo ziwa).
Ubungozi:
Ukukhuselwa kwabathengi kuyahluka xa kufika ekutsaleni ii-credit card. Abenzi bomthetho bafaka amakhadi esetyenzisiwe kunye namakhadi ekwereta kwiindidi ezahlukeneyo. Ukunciphisa i-debit nge-credit division, abaninzi abanokukhupha banikezela inqanaba elifanayo lokukhusela-kodwa kukho ukungafani. Umngcipheko omkhulu kukuba uvula i-akhawunti yakho yokujonga kwihlabathi (jonga ngezantsi). Ukufumana iinkcukacha malunga nendlela imithetho eyahlukileyo ngayo, jonga iDebital vs Credit Liability (ukuba ungabikho ikhadi, yibona iKhadi lokuTyhulwa kweMali eLawulayo ngokukhawuleza! ).
Ukuvalwa kwekhadi:
Xa usebenzisa iiplastiki kubathengisi abathile (izitishi zegesi ngokukodwa), 'bayayivimba' ikhadi lakho. Oku kuthetha ukuba bagunyazisa kwaye bagcine imali kwi-akhawunti yakho-ngokuqhelekileyo i-$ 50 ukuya kwi-100 ye-100. Abazi kakuhle ukuba uza kuthenga phi, kodwa bafuna ukuqinisekisa ukuba unokukwazi ukuwufumana. Ukuba uthengela i-gesi engama-20 e-gas, abayi kukhulula imali eseleyo-kungathatha iintsuku eziliqela. Ngaloo xesha, awuyi kusebenzisa imali ekhutshiwe kwaye unokwenza uhlolisiso okanye uhlawule iindleko ze- overdraft .
Akukho mmahluko kwindlela abathengisi bebhanki bebhanki bemakhadi-ngxowa .
Ukuvula iAkhawunti yakho kwiHlabathi:
I- akhawunti yakho yokutshekisha ibambe imali ekhethiweyo oyilungele ukuyisebenzisa kungekudala. Ngokusebenzisa i-debit vs credit, uveza loo mali kwihlabathi. Nabani na umthengisi angenza impazamo kwaye athathe imali eninzi - kwaye ungekho inhlanhla (ubuncinane kwithuba elithile).
Ngaphezulu, ungasebenzisa iPIN yakho yonke idolophu. Ukuba loo nombolo (ngamabomu okanye ngephutha) ingena kwizandla ezingafanelekanga i-scammer ingadala ikhadi eliyinyumba, sebenzisa i-PIN yakho kwi-ATM, kwaye uhambe ngemali yakho. Kwakhona, unokubuyisela imali yakho emva kokuba ubonakalise ukuba bubuqhetseba - kodwa kufuneka ufune ukungena kwiihitshi.
I-Overdrafts kunye neeKhenketho ze-Rubber:
Ukusebenzisa ikhadi lakho lokubambisa njengoko uhamba malunga needolophu ukwenza iziphumo kunokudala iirekhodi kunye neendleko ze-overdraft . Kwaye i-sandwich ye-$ 4 inokudala i-$ 40 ye-overdraft . Kutheni ungasebenzisi nje imali? Ukuhlawulwa kwemali engama-60 yonyaka kwikhadi lakho lesikwelethi lixabiso elincinci lokuhlawula ngenxa yokuba uyazi ukuba awuyi kukhangela ukuhlola kwaye uqalise ukuphendulwa kwemali ye-overdraft .
Awamkeleki Naphi Nawo Ufuna Ukuba:
Izihlandlo ezili-9 kwi-10, akukho mntu uya kukwazi ukuba usebenzisa ikhadi lokukhangela ngekhadi lesikweletu. Nangona kunjalo, ezinye iinkampani aziyi kubaphatha ngendlela efanayo. Iinkampani zemoto yokuqeshisa ziyaziwa ukuba zifuna ikhadi lenkokhelo lokwenene kwaye zikhanye amakhadi enkcitho. Ingxoxo yabo kukuba ikhadi lekhredithi libhekiselele kumgangatho omncinci wokubolekwa ngetyala kunye noxanduva.
Ukunika Imali Yamahala:
Isizathu esivakalayo sokusebenzisa i-debit vs ngetyala kukuba uyisebenzisa imali oyenayo kwaye uyiphephela inkokhelo yenzalo evela kwikhamphani yekhadi lesikweletu.
Ukuba ngokwenene unayo imali eyaneleyo yokuthenga kwakho, kutheni ungasebenzisi ikhadi lokuthenga ngetyala kwaye ufumane imali-mboleko yemali engama-30? Ukuba awuyi kuthatha ibhalansi kwikhadi lakho lekhredithi - kwaye awuyi kuba nemali xa usebenzisa ingcamango engenhla - ngoko unako ukuhlawula yonke into yakho yokuthenga ngenyanga ngaphandle kokuhlawula umdla. Gcina imali yakho kwi-akhawunti yokulondoloza , fumana isivuno esiphezulu, kwaye uhlawule kanye ngenyanga.