Imvume iyakusiza, kodwa isaphambene nemithetho
Kodwa amakhadi ekwereta atyhilwa negama lomnini-mvume ogunyazisiweyo. Ukuba omnye umntu usebenzisa ikhadi, umsebenzisi wekhadi okanye umnikazi wekhadi ubhekene neengxaki ezinkulu.
Ukusetyenziswa okungagunyaziswanga
Ukusetyenziswa kakubi okanye ukungagunyaziswanga ngokucacileyo kuyinkinga.
Ukuba ikhadi lakho lisetyenziswa ngaphandle kwemvume yakho:
- Bika ingxaki kumkhupheli wakho wekhadi ngokukhawuleza. Umnikeli wakho wekhadi yinkampani oyifake isicelo kwikhadi. Ukuba unayo ikhadi lokukhwabanisa , ungaqhagamshelana nebhanki yakho. Ukuzisa umnikeli wekhadi kufuneka kuthintele izinto ukuba zingabi zibi nakakhulu, kwaye ikhulise ukhuseleko lwakho phantsi komthetho we-federal. Xa usalinde ixesha elide, ukunyuka kwakho uxanduva luya kwanda .
- Bika umsebenzi ongagunyazisiweyo kumapolisa. Ukwenza ibango kunye nomniki wakho wekhadi, unokufuna ukufaka ingxelo yepolisa kwaye unike ikopi yengxelo. Umntu osebenzise leli khadi unokujongana neentlawulo zolwaphulo-mthetho (ngaphezulu ngaphantsi).
Ukusebenzisa iKhadi NgeMvume
Yintoni eyenzekayo xa usebenzisa ikhadi lomnye umntu ngemvume (okanye uvumela umntu ukuba asebenzise ikhadi lakho)? Ngaphandle kwemvume, oku kuchasene nemithetho yomkhupheli wekhadi, ngoko umnini-akhawunti uphula isivumelwano abasayine kunye nomkhupheli.
Uninzi lwexesha, akukho mntu uya kuphawula okanye akhathalele, kodwa kufuneka uqaphele ukuba ngokwemigaqo ngokuchasene nemithetho. Xa ucinga ukuba kulula kangakanani ukwenza iintlawulo zentlawulo kwiintlawulo zamagesi okanye ezitolo ze-intanethi, akumangalisi ukuba amakhadi ahlala esetyenziswa ngabahlobo, abatshatileyo, abasebenzi kunye nabanye.
Ukuba ibhanki yakho okanye ikariti yekhadi lesikweletu ifumanisa ukuba uboleka ikhadi lakho, kukho ithuba lokuba i-akhawunti yakho ivalwe.
Iindleko ezingalindelekanga: Ukuboleka ikhadi lakho kuyingozi. Akukho siqinisekiso sokuthi ikhadi liza kusetyenziswa kuphela ngendlela owawujolise kuyo. Kunzima ukubuyisela imali xa uvumela umntu ukuba asebenzise ikhadi lakho ngenxa yokuba ukusetyenziswa kwakungagunyaziswanga. Amabhanki akayi kubuyiselwa xa umntu echitha i-akhawunti yakho kwi-ATM emva kokuba unike imvume yokusebenzisa ikhadi lakho kunye nePIN .
Umngcipheko "wabboleki": Ukusebenzisa ikhadi lomnye umntu kuyingozi. Akukho mntu uyazi ukuba ufumene imvume phambi kwexesha, ngoko ukucinga okungagqibekanga kusenokuba unokwenza ubuqhetseba. Ukuba umrhwebi ucela ukuchonga kwaye awukwazi ukubonelela, izinto zingase zibe nzima-ikhadi linokuthi lithathwe, amapolisa angabandakanyeka, njalo njalo. Ingakumbi, umntu owanike ikaritha angaphinda athi ukuba uthathe ngaphandle kwemvume (ukuba uchithe kakhulu, umzekelo, okanye ukuba ulwalamano lwakho luhamba). Kwiimeko ezininzi, iirekhodi zokuthengiselana kunye nevidiyo yokulondoloza ivenkile ingasetyenziselwa ukuzisa iintyala kuwe.
Fumana imvume ngokubhaliweyo: Ukuba kufuneka usebenzise ikhadi lomnye umntu onokuthi ungayifumani, ncinane uthole ifowuni esayinwe kumnini-khadi ethi unemvume yokwenza njalo. Gcina inqaku likhuphe ngaphandle kokuba ulifuna ngokwenene.
Ukuba usebenzisa ikhadi kwivenkile, umrhweba akafuni ukwazi ukuba unomakhadi womnye umntu-bafaka ingozi yokubuyisela imali , kwaye izitolo zimele zilahlekelwe yimali ngaphandle kokuba umnini-mvume ogunyazisiweyo uthenge ukuthenga.
Ukugunyazwa: Endaweni yokusebenzisa ikhadi lomntu wesikweletu okanye ukubolekisa ikhadi lakho, sebenzisa "abasebenzisi abagunyazisiweyo." Kwisicelo somnini-akhawunti, abaniki bamakhadi bekhredithi banikezela ngamakhadi angeziwe ngegama lomnye umntu. I-akhawunti isengumnikazi wekhadi oyintloko, onoxanduva lokuhlawulwa, kodwa umsebenzisi ogunyazisiweyo uvunyelwe ukusebenzisa i-akhawunti. Ukuba loo msebenzisi ucelwa ukuba azisiwe, yonke into iya kufana ngokuchanekileyo.
Ukusebenzisa Amakhadi Ngaphandle Kwemvume?
Xa imvume inganikiweyo, ukusebenzisa i-debit yomnye umntu okanye ikhadi lekhredithi yindlela yokuba ulwazisi . Amazwe asasaza iinkcazo zento eyenza ukweba i-ID, kunye nezohlwayo kuloo mi sebenzi ziba nzima kakhulu.
Iinkcukacha ziyahluka ukusuka kummandla ukuya kwilizwe, ngoko tyelela ummeli wengingqi ukuba unemibuzo malunga neemeko ezithile.
Kwiindawo ezininzi, ukufumana ikhadi lomnye umntu akuvumelekanga. Ukuthengwa kwamakhadi amaninzi-okanye ezinye izixhobo zemali ezibhalwe apha ngezantsi-zingakwazi ukuzisa ulwaphulo-mthetho kwiindawo ezinobungozi (ukuba kwakungelona lucala). Ukongezelela kwiimali zetyala ezivela kwilizwe, unokuhlawula ukubuyisela kubani be-akhawunti kunye namanye amaxhoba.
Ukuba ubeka izandla zakho kumakhadi omnye umntu, udlala ngomlilo. Akunandaba nokuba uzimisele ukuthini ukusebenzisa amakhadi-ukuba awukwazi ukubonisa ukuba unemvume, unengxaki. Oko kuthetha ukuba awukwazi "ukuboleka" ngenjongo yokubuyiselwa umnikazi wekhadi, kwaye awukwazi ukuyisebenzisa le khadi ngeenzuzo ezingayi kubabiza umnikazi wekhadi nayiphina imali. Ngokomzekelo, awukwazi ukubonisa ikhadi lokufikelela kwamahhala kwimicimbi yeenkontileka okanye iinkonzo, okanye ukusebenzisa ikhadi ukuze uthenge iimpahla oza kubuya ngaphambi kokuba umrhumo-mthetho ubonelelwe.
Ngokufanayo, akunandaba nokuba unamakhadi-ukuba ngaba bathunyelwe kuwe ngephutha okanye ukuba ubafumene kwisitrato, umzekelo, awuzange uhlose ukuba. Nangona kunjalo, ingcamango engalunganga ukuxhoma nantoni na eyenza ukuba ubonakale njengesela. Ukulahla amakhadi kunye namapolisa asekuhlaleni, alahlekileyo kwaye afumane naphi na apho ufumene amakhadi, okanye kwibhanki eyakhupha amakhadi.
Ngaphandle kweeCards
Amakhadi atyala kunye namatyala awayiyo yodwa indlela yokwenza iindleko zokuba utywala. Abaninzi baphula umthetho ongagunyazisiweyo "nayiphi na ifowuni" yokuthengisa , njengale:
- Amakhadi ahlawulwe
- Inombolo zeakhawunti yebhanki kunye nolwazi lokuhamba
- Amanani okuchonga abantu (i-PINs)
- Izinombolo zekhadi (awunayo loo mfuneko ngokwayo ikhadi)
- Ukuhlola
- Imali yemali
- Nezinye i zixhobo
Kwakhona kusenokungekho mthethweni ukufumana ulwazi olungasetyenziselwa ukufikelela kwiakhawunti kunye neenkcukacha ze-akhawunti ezifana ne:
- Amagama amagama kunye namaphasiwedi
- INombolo yoKhuseleko loLuntu
- Igama lomantombazana lomntu (mhlawumbi ungayazi ngalowo nawuphi na umntu, ngoko iinyani kunye neemeko zibalulekile - ispredishithi kunye nale nkcazelo, yinyani, ingxaki kunokuba nolwazi lwakho oluqhelekileyo lentsapho yomhlobo)
- Olunye ulwazi lomntu
Ekugqibeleni, ngokungekho mthethweni ukufumana izixhobo zokuba ulwabiwo-mali, njengabadlali bekhadi kunye nezixhobo ezifanayo.