Inkqubo yebhanki isebenza kwinkqubo yokubamba xa imali idluliselwa kwi-akhawunti yakho ukuya kwezinye iindawo, njengokuba uthenge into esitolo okanye uhlawule isidlo sakusihlwa. Ukongezelela, iifomethi zakho zingafumaneki ngokukhawuleza kuwe, ekubeni ibhanki yakho kufuneka ilinde imali ukuba iphume kweli shishini lenye iqela lezimali ize icime i-akhawunti yakho.
Nokuba amatyala akho akhankanywe ngokuzenzekelayo kwi- akhawunti yakho yokujonga . Yingakho kubalulekile ukugcina ibhalansi ye-akhawunti yakho ngaso sonke ixesha.
Qonda ukuba iAffosits iCredited
Xa usenza idiphozithi, ibhanki ikunika i-credit kwidizithi. Kodwa ngokwenene, isheke li thunyelwa kwindawo yokucoca kwendawo kwaye kufuneka icacise khona phambi kokuba ibhanki yakho ithole imali. Ukuba isheke livela ngaphandle kwimeko, kungadinga ukuba ithunyelwe kwenye indlu yokucoca phambi kokuba imali ihlaziywe, kwaye ingathatha ixesha elide ukuya kwiibhanki yakho.
Yingakho xa ubeka isheke esikhulu ngaphandle kwerhulumente, ibhanki inokubamba kuze kubekho imali iqokelelwa. Oku kukukhusela ekubeni ungayisebenzisi imali ngaphambi kokuba uyifumane. Kwaye maxa wambi isheke asiyi kucacisa kwaye kuya kufuneka uhlawule ibhanki xa sele usuchithe imali. Nangona kunjalo, kukho ezinye iindlela zokuphepha ugxininiso ukuba awukwazi ukulinda imali, nangona la maqhinga ayisebenzi ngaso sonke isikhathi.
Iikohlo Musa ukucima iAkhawunti yakho ngokukhawuleza
Ngokufanayo, uhlolisiso aluyi kucacisa i-akhawunti yakho ngexesha obabhala ngalo kwaye uyithumele ngeposi. Xa umntu okanye inkampani ifumana isheke, kufuneka bayifake kwiibhanki zabo baze balinde ukuba imali idluliselwe kwi-akhawunti yakho ibe yabo.
Iitshekishi zidla ngokuthatha ixesha elide ukucima, kwaye unako ukuhlolwa okuthe gqithwe kwenyanga okanye ngaphezulu. Yingakho kubalulekile ukugcina iirekhodi ezipheleleyo zetshekhi ozibhalayo, umhla, kunye nezixa, ngoko awuyikulibala malunga nesheke kunye ne- overdraft akhawunti yakho .
Izibambiso kunye nokuDeduction Ungaze Ubonise Ngaphandle Kwangoko
Ngokufanayo, ukuxothwa kunye nokuncitshiswa akusoloko kuboniswa kwiakhawunti yakho. Ngamanye amaxesha, xa usebenzisa ikhadi lakho lokubambisa kwindawo entsha, ubambe inani elincinci libekwe kwiakhawunti yakho. Oku kubamba, okuqhelekileyo iidola ezimbalwa, kuya kuhlawula i-akhawunti yakho kwiintsuku ezimbalwa, kwaye intlawulo yangempela iya kubonisa.
Kuxhomekeke kwishishini apho usebenzisa i-debit card. Umrhwebi owamkele ikhadi lakho lokubambisa kufuneka athumele kwiintengiselwano zalo ukuze iindleko zihanjiswe kubo. Nangona abaninzi abathengisi benza njalo imihla ngemihla, amashishini amancinci angathatha ixesha elide. Xa oku kwenzekayo ibamba linganqamuka phambi kokuba imali inqunywe kwi-akhawunti yakho, kwaye ibhalansi yakho yebhanki yakho ibingatsho ukuba unako ngaphezu kwakho. Ukuba awuyikugcina umkhondo wakho wokuthengiselana, unokuphelisa i-akhawunti yakho.
Ukuqonda Ukulinganisela Okwenene
Kungenxa yezi zizathu ukuba kufuneka ugcine ibhalansi ye-akhawunti yakho yasebhanki, kwaye ungathembeli ngokuthe ngileyo ibhalansi ofumaneka kwi-ATM uze ucinge ukuba ichanekile.
Ukugcina ibhalansi yokugcina urekhode ukuthengiselana kwakho njengoko uhambayo, ngoko uyongeza kwaye ubakhuphe kwi-balance yakho ukuze ufumane imali enayo.
Unokwenza oku ndlela endala nge pen na iphepha okanye ispredishithi, okanye iibhanki ezininzi ngoku zinika i-apps zangempela-time, njenge-PNC Bank Virtual Wallet, ebonisa ukubonakala kwikhompyutha yakho.
Zama ukubala ibhalansi yakho yebhanki yebhanki ekupheleni kosuku ngalunye, zonke iintsuku ezimbalwa, okanye ngeveki nganye. Yaye khumbula, ukuba awuyi kugcina ibhalansi, ungagqiba ukurhoxisa i-akhawunti yakho kwaye uhlawulwe ukhulula kubini kunye nabarhwebi bakho.
Ngaba unenkathazo yokugcina i-balance balance of credits yakho kunye namatyala? Cinga ukutshintsha ngokukodwa ukuhlawula imali kwibhajethi yakho . Ngale hlobo lohlahlo lwabiwo-mali, akuyi ku funeka uxhalabele nge-akhawunti yakho yasebhanki imihla ngemihla, kodwa kusengumzekelo omuhle wokugcina ibhalansi yemali yakho ekhoyo kwi-akhawunti yezinto ezifana neentlawulo zebhanki ezizenzekelayo kwaye uhlolwe kubhalwa kwiziko okanye ngenxa yeebhili ezingamkeli imali.
Elinye ibhonasi? Emva kokuba uqale ukulandelela ibhalansi yakho yasebhanki, uya kuba ngcono ukubeka esweni imali yakho kwaye unamathele kubhajethi yakho .
Ukuhlaziywa nguRachel Morgan Cautero .