Ukuhlawula ngePlastiki: i-Debit ngokubhekiselele kumakhadi e-ATM
Xa uvula i-akhawunti yokutshekisha, ufumana ikhadi lokuhlawula elikhululekile ukufikelela kwimali yakho. Lawo makhadi asebenza ngemali yokurhoxiswa kwemali, i-balance balance inquiries, kunye ne-deposit kwi-ATM ezininzi. Kwaye amakhadi amaninzi, eyaziwa njengamakhadi e- debit okanye amakhadi okutshekisha , angasetyenziselwa ukuthenga-kokubili kwi-inthanethi nangomntu.
Ukuba unekhadi elitsha kwaye uyazibuza ukuba ungayenza ntoni na, khangela ukuba ikhadi le-ATM okanye ukuba likhadi lokukhangela elipheleleyo.
Khangela i-logo: Ukuze ubone ukuba ikhadi lakho lisebenza njani ukuthenga, khangela i-logo yentlawulo kwikhadi. Kwimakhadi amaninzi, iVisa okanye i-MasterCard logo ibonakala kwikona elisezantsi lekhadi. Amakhadi kunye ne-American Express angabonisa i-logo kwenye indawo ekhadini. Ukuba akukho logo, unayo ikhadi le-ATM elisebenzisayo kuphela kwi-ATM.
Indlela yokusebenzisa iKhadi lakho
Ukuba ikhadi lakho linomnatha wenethiwekhi yokuhlawula, ngumsebenzi wekhadi lokudibanisa, kwaye ungayisebenzisa njengokuba kukho ikhadi lekhredithi.
Ngomthengisi , swayipha ikhadi (okanye faka i-chip, ukuba yikhadi elinikezelweyo ) kwinqanaba lokuhlawula. Unokukhetha "I-Credit" okanye "Debit" -imali iya kuvela kwi-akhawunti yakho yokujonga kungakhathaliseki ukuba ukhetha.
Xa uthengisa i-intanethi , khonkcola kwinombolo yekhadi eli-16 apho umrhwebi ecela inombolo yekhadi lesikweletu . Uya kufuneka kwakhona unikeze ikhowudi yakho ye-zip yokukhokha kunye nekhowudi yokukhusela emva kwekhadi lakho.
Ukuhlawula iindleko ze-intanethi , unokhetho oluninzi lweentlawulo zemali kwi-akhawunti yakho yokujonga:
- Faka inombolo yekhadi lakho kunye nomgcini wendawo njengokuba uthengela i-intanethi.
- Sebenzisa i-bhanki yakho yentlawulo yebhanki ye- intanethi , kwaye ibhanki yakho izakuthumela imali ngekhompyutha okanye iphrinta kwaye ithumele isheke.
- Ukubonelela ngeenkcukacha ze-akhawunti yakho kwi-biller, ngubani oza kubamba imali kwi-bhanki yakho xa kukho intlawulo.
Amakhadi okukhawulwa ngamakhadi-ngxowa-mali: Amakhadi e- Debit angasetyenziselwa nantoni na endaweni endaweni yekhadi lesikweletu-kuphela okungekho kwiimoto eziqashisayo kunye nokuhlala kweehotele. Kwizo meko, isixa-mali sakho sokugqibela asiyaziwa, ngoko ke iibhanki zingadinga ukuba usebenzise ikhadi lekhredithi. Kancinci, mhlawumbi bafaka ibamba elikhulu lokugunyazisa kwi-akhawunti yakho, enokubamba imali kwiakhawunti yakho yokujonga.
Amakhadi ezithintelo kunye neeCards ze-ATM
Amanqaku amaninzi anikezelwe ngeakhawunti zokujonga ezi ntsuku zi-card ezisebenzayo ngokupheleleyo. Nangona kunjalo, akusizwanga ukuba ube nekhadi le-ATM engasebenzi njengekhadi lokubambisa. Ngokukodwa, ukuba i-akhawunti yakho yebhanki i-akhawunti yokulondoloza -sichasene ne-akhawunti yokutshekisha-ke ikhadi lakho lilungele ukusetyenziswa kwe-ATM. Kufuneka uqhubeke ukwenza oku ku-ATM:
- Ukurhoxisa imali
- Yenza idizithi kwiATM ezinikezelweyo
- Fumana ukuba uninzi lwemali kwi-akhawunti yakho (eyaziwa njengophando lwe-balance)
- Dlulisa imali phakathi kweeakhawunti
Amakhadi okugcina i-akhawunti: Umthetho we-Federal ubeka umda kangakanani ukuba unako ukurhoxisa imali kwi-akhawunti yokulondoloza, kodwa ukuhoxiswa kwe-ATM akuxhomeli kumda wakho. Ukuba ufanele uthenge ngekhadi lakho (okanye uzalise ezinye iintlobo zokutshintshwa kwemali), uya kuba nokukhawulelwa ezintandathu zokurhoxiswa kwi-savings ngenyanga .
Ukuze ugweme iingxaki, amaninzi amabhanki awanakho ukubonelela ngamakhadi e-debit kwi-akhawunti yokulondoloza. Ufumana ikhadi le-ATM esikhundleni.
Iintlobo zeeKhadi
Kungaba luncedo ukuthelekisa nokwahlula iintlobo ezininzi zamakhadi kwindawo enye. Ukwenza oko kunokukunceda uqonde oko unakho ngoku, kwaye ufumane oko unokufuna ukukwenza endaweni yoko.
Amakhadi e-ATM yindlela elula kakhulu yamakhadi. Kwakhona, banokusetyenziswa kuphela kwi-ATM yokuthengiselana kwebhanki.
Amakhadi e-Debit , awaziwa njengekhadi lokutshekisha, avumela ukuba uchithe kwi-akhawunti yakho yokukhangela nawaphi na amakhadi amkelweyo. Benza konke okwenziwa ngamakhadi a-ATM. Ingaba usebenzisa ikhadi ukurhoxisa imali okanye ukuthenga, imali ivela ngqo kwi-akhawunti yakho yokujonga (ngokuqhelekileyo kwiintsuku ezimbalwa).
Amakhadi okuthenga ngetyala akwenza ukuba ubolekise kumniki-khadi wakho wekhadi.
Iifowi aziveli ngqo kwiakhawunti yakho yokukhangela. Kunoko, uyakha ibhalansi yemboleko oya kuhlawula emva komhla. Kungcono ukuhlawula ibhalansi yonke inyanga ukuze ungayikhokheli inzala, kodwa unakho ukuhlawula ngaphantsi xa ufuna ukuqonda nje ngemiphumo . Amakhadi enkoleko aphephile kunamakhadi e-debit yokuchitha kwansuku zonke ngenxa yokuba:
- Amakhadi eemboleko awanakuchukumisi ngqo kwi-akhawunti yakho yokujonga. Ukuba umntu utheba ikhadi lakho lokubambisa okanye inombolo yekhadi lakho, amasela anokukhenkcela i-akhawunti yakho yokukhangela ngaphezulu okanye ngaphantsi kwangoko. Xa kwenzeka oko, unokuba nobunzima bokuhlawula iindleko ezifana nerenti kunye nezibonelelo.
- Amakhadi enkoleko anika ukukhuselwa komthengi olungcono kumkhwabaniso, ukunciphisa ilahleko zakho kwi-$ 50 ngaphantsi komthetho wesigqeba. Amakhadi e-Debit aya khusela nokukhwabanisa kunye neephene, kodwa kufuneka usebenze ngokukhawuleza, kwaye umthetho wesigqeba awunanikezela (kuwe) ngamakhadi okukhwabanisa .
Ukusilela kwamakhadi-ngetyala kukuba unako ukukhawuleza ukuya kwii-matyala, kwaye amaxabiso amaninzi aphezulu. Ukufumana iinkcukacha ezongezelelweyo, funda malunga neenzuzo kunye neengxaki zokuchitha imali kunye namakhadi edoti kunye namatyala.
Amakhadi e- debit ahlawulwe ngokufanayo afana namakhadi adibeneyo, kodwa awathathi kwiakhawunti yokutshekisha. Kunoko, "ulayishe" imali kwi-akhawunti yakho kunye nomnikezeli wekhadi ngokumisela idiphozithi ngqo , ukongezelela imali nge-intanethi yokudlulisela okanye kumntu oyifake kuyo, okanye usebenzisa idizithi yesheke yefowuni . Emva koko, uchithe ukusuka ekhadini de uze usebenzise imali oyithandayo. Ungakwazi kwakhona ukurhoxisa imali kwi-ATM kwaye uhlawule iindleko kwi-intanethi ngamakhadi amaninzi ahlawulwe. Awunamali ngamakhadi ahlawulwe, kwaye bahlala belula ukufaneleka, kubangele ukuba bakhangele ukuba unengxaki yokuvula i-akhawunti yebhanki .
I-drawback yangundoqo kwiakhadi ezikhethiweyo ezikhethiweyo kukuba zibiza, kwaye azixhamla njenge-akhawunti yasebhanki esebenzayo ngokupheleleyo. Ukuba unethemba lokuba (okanye unyanzeliswe ukuba) uphile ubomi ngaphandle kwe-akhawunti yasebhanki , amakhadi ahlawulwayo unokuba sixhobo esinamandla. Nangona kunjalo, mhlawumbi uza kugcina ixesha lokugcina kunye nemali xa ufumana i-akhawunti yokujonga. Nxibelelana kunye neebhanki zendawo kunye neemanyano zeentengo zemali ngamathuba amaninzi okukhangela ukukhululeka.