Le mihla nje ukuba nekhadi lesikweletu ibeka umngcipheko wokuba lixhoba lekhredithi yekhadi lesikweletu . Amasela aneendlela ezininzi zokweba i-credit yakho okanye inombolo yekhadi lakho lesikweletu kwaye usebenzisa ulwazi ukuba wenze iirhafu ezingagunyaziswanga kwi-akhawunti yakho. Ngombulelo, zonke iinqununu ezine zekhredithi ezinkulu - i-Visa, MasterCard, Discover, ne-American Express-zinikeza uxanduva lokukhwabanisa. Lo mgaqo-nkqubo uza kukugcina ungabi noxanduva lweentlawulo ezininzi zobuqhetseba ezenzeka kwi-akhawunti yakho.
Kuthetha ukuthini inkohlakalo yokukhwabanisa kwaye unokwenene kangakanani ukhuseleko?
I-Zero yoKhuseleko iSebenzi yokuSebenza?
Inkohlakalo yokukhwabanisa inokukhusela wena kwiindleko ezingagunyaziswanga ezenziwe kwiakhawunti yakho yekhadi lesikweletu. Imigaqo-nkqubo emininzi ikukhawuleza ukuba ngaba ezi ntlawulo zenziwe kwikhompyutha okanye kumntu. Awudingi ukubhalisa okanye ukuhlawula uxanduva lokukhwabanisa inkohlakalo-into eyenza ngokuzenzekelayo iza nekhadi lakho lesikweletu.
Xa ubona ukuthengiswa okungagunyazisiweyo kwi-akhawunti yakho okanye ukukrokrela ukuba i-akhawunti yakho ingasetyenziswa ngaphandle kwemvume yakho, kufuneka uqhagamshelane nomniki-khadi wakho wekhadi kwangoko. Ukuba usenayo ikhadi lakho lekredithi kwifa lakho, qhagamshelana nomnikeli wakho wekhadi lokuthenga ngetyala ngeenombolo emva kwekhadi lakho lesikweletu. Okanye, ungene kwi-akhawunti yakho ye-intanethi ukuze ufumane inombolo efanelekileyo yefowuni kwikhadi lakho lekhadi lesikweletu.
Ukukhwabanisa kwiAkhawunti yakho
Unokuzibonela ngeentlawulo zobuqhetseba ngokufunda isitatimenti sekhadi lakho lesikweletu okanye ukujonga umsebenzi wakho we- akhawunti kwi-intanethi .
Unokubamba ukuthengiswa okungagunyazisiyo ngokukhawuleza ukuba ukhangele i-akhawunti yakho kwi-intanethi kwinyanga yonke kunokuba ulinde isitatimende sekhadi lakho lesikweletu ukuba ufike ngeposi.
Umnikezeli wakho wekhadi lokuthenga ngetyala unokunika iinkonzo ezinokuqhelana nokukhwabanisa ukukwazisa ngenkohlakalo inkohliso yakho kwiakhawunti yakho.
Emva kokuba ubhalise, uzakufumana itekisi, i-imeyile, okanye umnxeba umnxeba onokukuqhelisela umsebenzi wekhadi lesikweletu ngaphandle kwemikhwa yakho yokusetyenziswa. Fumana, umzekelo, uya kucela ngezikhathi ezithile ukuba uqinisekise umsebenzi oqhelekileyo xa ungena kwi-akhawunti yakho ye-intanethi. Qhagamshelana nomnikeli wakho wekhadi lokuthenga ngetyala ukuze ufumane ukuba inkonzo enjengale iyatholakala kwi-akhawunti yakho.
Zero Liability Exceptions
Isibopho seZero sisetyenziswa kuphela kumakhadi-mboleko yomthengi. Amakhadi ezorhwebo, amanye amakhadi ahlawulwe, kunye namakhadi esipho angenakufanelekela ukukhuselwa komthwalo. Ukuba unolunye lweentlobo zamakhadi, thabatha amanyathelo okugcina ukuze ugcine ikhadi lakho kunye nolwazi lwekhadi lakho likhuselekile.
Qinisekisa ukuba ufunda ukushicilelwa okulungileyo kwesivumelwano sakho sekhadi lesikweletu ukuze ufumane ukuba nayiphi na imiqobo esetyenziswayo. Ngokomzekelo, uxanduva lokukhwabanisa i-Visa USA lusebenza kuphela kumakhadi akhutshwe eMelika. I-MasterCard idinga ukuba uye wasebenzisa "ukunakekelwa okufanelekileyo ekukhuseleni ikhadi lakho ekulahlekeni okanye ukwebiwa."
Ukuxhaswa kwamakhadi-mboleko kunye namakhadi e-debit ahluke. Amakhadi e-Debit ekhutshwe yi-Visa okanye i-MasterCard inokuthi ihlanganiswe phantsi kweenkqubo zabo zobuqhetseba, kodwa kuphela xa kuthengiswa imali kwiintanethi zabo. Xa ugqiba ukuthengiselana kwakho njenge "ngetyala," kuya kuqhutyelwa kwi-Visa okanye kwi-networkCard MasterCard, ngokusekelwe kwi logo kwikhadi lakho lokutsalwa.
Nangona kunjalo, xa i-PIN isetyenziselwa ukuqedela ukuthengiselana, kunokwenzeka ukuba iya kuqhutyelwa kwinethiwekhi eyahlukileyo kwaye ngenxa yoko ayihlanganiswa phantsi kwe-Visa okanye i-MasterCard yomgaqo-mboleko wenkohlakalo.
Ubungqina bakho bobuKhohlisayo phantsi koMthetho we-Federal
Ngomqondo othile, uxanduva lwakho lweetyala zobuqhetseba lukhuselekile kabini. Ngaphantsi kweNyaniso NgomThetho wokuboleka, unokugcinwa uxanduva lokufikelela kwi-$ 50 yeentlawulo zamatyala ezenziwe ngekhadi lesikweletu. Unokuthi unikwe uxanduva kuloo mali ephezulu xa ubika ikhadi lakho elahlekile okanye libiwe emva kweentlawulo zobuqhetseba. Ukuba ngaba inombolo yekhadi lakho lesikweletu libiwe kwaye lisetyenziselwa ukwenza iindleko zobuqhetseba kwi-akhawunti yakho, unesibopho salo.
Ngamakhadi e-debit, umda we-Electronic Funds Transfer umda we-$ 50 xa ukwazisa ibhanki kwiintsuku ezimbini zokufumana ubuqhetseba kwi-akhawunti yakho.
Nangona kunjalo, ukuba ulinda de emva kweentsuku ezimbini, unokuba noxanduva lokufikelela kuma-$ 500. Kwaye, ukuba kuthatha iintsuku ezingaphezu kwe-60 ukubika ubuqhetseba kwikhadi lakho lokubambisa, unokuhlawulwa ngemali yonke.
Ibhanki yakho okanye inethiwekhi yekhadi lesikweletu (umzekelo, i-Visa okanye i-MasterCard) eyenza ikhadi lakho lokubambisa liyakunciphisa uxanduva lwakho, kodwa kuxhomekeke kwintanethi apho ikhadi lakho liqhutyelwa khona, ingaba i-PIN yayisetyenziselwa ukuthengiselana, kunye nesixa sexesha kuthatha ukuba ubike iingxelo zamatyala.