Yintoni enokuyilindela xa uhlola ityhola
Kutheni ukuhlola kukunyusa?
Ikhonkco "ibhenxa" xa kungekho mali eyaneleyo kwi-akhawunti yakho yokujonga ukuhlawula intlawulo.
Oku kuya kwenzeka ngezizathu ezininzi. Mhlawumbi inkokhelo ngokuzenzekelayo yachithwa kwi-akhawunti yakho ngaphambi kokuba ulindele ukuba, umqeshi wakho uthe wuleza ukufaka intlawulo yakho , okanye i-akhawunti yakho ivalelwe iintsuku ezimbalwa emva kokusebenzisa ikhadi lakho lokubambisa .
Ngelishwa, kulula ukuba kunakeke ukuhlolisisa amaphepha okuhlola: Iipekethi zisoloko ziguqulwa zibe yi-elektroniki check or "substitute checks" ( konke kuthatha ifowuni ephathekayo okanye ukhangele i-scanner), kwaye bahamba ngendlela yebhanki ngokukhawuleza. Kungakhathaliseki isizathu, ukuba ibhanki yakho ithi unayo imali enganeleyo kwiakhawunti yakho, isheke liza kubuyiselwa.
Ixesha?
Ukuba uqaphela ukuba isheke liza kuhlawulela, kodwa akukenzekanga okwamanje, unokukwazi ukukhusela ukuba kwenzeke. Fumana imali kwiakhawunti yakho ngokukhawuleza. Ingathatha iintsuku eziliqela ngetekethi oyibhalayo ukutshintsha i-akhawunti yakho - okanye ixesha elide ukuba umvuzo wakho uthe wuleza ukwenza idiphozithi. Indlela ekhawulezayo yokufumanisa imali kwi-akhawunti yakho kukuzisa imali kwibebe.
Ukuba ufaka iirekhodi kwi-akhawunti yakho, ibhanki yakho inokubamba loo mali ngeentsuku ezimbalwa (khangela umgaqo-nkqubo wokufumaneka kwemali kwizinto ezithile).
Fikelele
Ngokukhawuleza ukuba uqaphela ukuba kukho ingxaki, qha ga mshelana nabani na ababhalayo. Mhlawumbi abanomdla wokukugweba; bafuna imali yabo nje.
Ukusebenza - ukudibanisa nomthengisi okanye umnini-nkonzo kunokuba ulinde ukuba bathathe inyathelo - kubonisa ukuba unenjongo yokuyihlawula, kwaye ingenza izinto zingabi zibi nakakhulu. Eyona nto, uya kwenza oku phambi kokuba nabani na oyaqonda ukuba ubhale isheke elibi, kodwa kusasaza ukutshulwa emva kokutshekisha i-akhawunti yakho.
Lindela iiflawulo
Ukuba iitshekethi zakho zifakwa kwaye zidibanisa, kuya kuba kubiza. Kubaqalayo, uya kuhlawula iibhanki yakho: Iindleko ze-Overdraft okanye iimali ezingenakwaneleyo (i-NSF) zihlawulwa ezingama-35. Kuye kufuneka ukuba uhlawule umrhumo kumntu obhaliweyo ukukhangela; badibanisa ukubeka iireki ezimbi, kwaye baya kudlula loo ntlawulo kuwe.
Emva kokutshekisha isheke, umvuzo wakho unokuzama ukuyibeka kwakhona isheke ukuze ubone ukuba uncedise i-akhawunti yakho. Ukuba akunjalo, lindela ukuhlawula enye ijikelezo yemirhumo.
Ekugqibeleni, unokujamelana neentlawulo kunye neentlawulo emva kwesigwebo somthetho (jonga ngezantsi).
Ingxelo Yesikweletu
Ikhonkco engalunganga ayibonakali kwingxelo yakho yemali okanye ukunciphisa izikolo zakho zemali , kodwa inako. Kwakhona, ezininzi iinkcukacha zendlela yokuhlola i-check bounced (ezifana ne-Telecheck okanye i- Chexsystems ). Ukuba ugqiba irekhodi elibi kulezo zolwazi, unokuba nobunzima bokubhala ukuhlola kwezinye iindawo (ingatshekisha yakho inganqatshwa emva kokuba umqeshi uyifake kwisitolo sokutya, umzekelo), kwaye unokungakwazi ukufumana ibhanki eya vumela uvula i-akhawunti yokujonga.
Emva kokuvavanya amaninzi amaninzi, ibhanki yakho inokuvala i-akhawunti yakho yokujonga.
Ezi ncwadana aziyiyo inxalenye ye-FICO yakho yamanqaku okuthenga ngetyala, leyo yimivuzo esetyenziselwa ukubolekwa kwemali eninzi njengemali-mboleko kunye nekhaya. Kodwa "amanqaku" athile angayisebenzisa loo ngcaciso.
Ukuba isheke bekuyimbuyekezo yokuboleka imali, i-credit yakho inokuthi ihlupheke. Ngenxa yokukhangela isheke, intlawulo ayizange yenziwe, kwaye unokuphela ukulahleka (okanye ukukhawuleza) inkokhelo yenyanga. Ukuhlawulwa kwexesha elide kunye nokwehliswa kwemali kuya kunciphisa amanqaku akho ekhredithi ye-FICO.
Kungakhathaliseki ukuba ngubani osibhala isheke, kubalulekile ukwenza kakuhle kwi ntlawulo. Ukuba awuyiyo, ibhalansi engabhawulwayo ingatshintshwa kwi-ejensi yokuqokelela, kwaye i-arhente iya kuthi ihlawulwe inkokhelo yakho engenakuhlawulwa kwi- credit bureaus , ekubangele izikolo ezincinci zamatyala. I-arhente zokuqokelela (okanye nokuba nomrhwebi ukuba ubhale okokuqala iteksi ukuya kuthi) inokuthi ivelise amanyathelo omthetho, kwaye izahlulelo malunga nawe zizakwenzakalisa i-credit yakho.
Ingxaki yomthetho
Yimiphi imiphumo esemthethweni yokubetha isheke? Akukho mthethweni ukubhala isheke xa uyazi ukuba akuyi kucacisa (nangona izinto zihamba ngokukhawuleza xa kuziwa kuhlolwe i-postdated checks ). Ukuba awuyi kucacisa izinto ngokukhawuleza, unokujamelana noluntu (kufuneka uhlawule iintlawulo) okanye ulwaphulo-mthetho (kufuneka usebenze ixesha lokubanjwa).
Imiphumo esemthethweni yokubhalwa kwezinto ezimbi zihluka ukusuka kummandla ukuya kwiimeko kwaye kuxhomekeke kwiimeko. Ukuba uhlawula ngokukhawuleza isheke ngoku kwaye, iindleko zomntu (okanye akukho ntlawulo kuzo zonke). Ukuba unomnqophiso okanye uhlalutye ngokuchithwa kakubi (ikakhulukazi amakhulu), unokujamelana neentlawulo zobugebengu. Kwamanye amazwe, unethuba lokwenza kakuhle kwi ntlawulo ngaphambi kokuba kufakwe iindleko (unokuba nefestile yeentsuku ezingama-30, umzekelo).
Iintlawulo zomntu zenza iindleko ezongezelelweyo, kwaye mhlawumbi unayo imali eyongezelelweyo-yoko kutheni ikhekiti ibanjwe kwindawo yokuqala - ngoko kukulungele ukuba usebenze ngokukhawuleza. Xoxa nomvuzo wakho (okanye i-ejensi eqokelela imali egameni labo). Ukuba ngaba baphumelele ukuzisa isigwebo malunga nawe, unokuhlawula iirhafu zomthetho, iintlawulo zenkonzo, okanye isohlwayo esekelwe kwisixa sesitshixo sokuqala (ezimbini okanye kathathu isixa somatshini, umzekelo).
Iindleko zobugebengu zinefuthe elibi kwiirekhodi lakho lolwaphulo-mthetho, zinokubangela ukuba ijele lifike ixesha, kwaye mhlawumbi liza neefayili eziphezulu. Nangona kunjalo, ngenxa yokuba usongelwa ngetyala lezobugebengu akuthethi ukuba banokuphumelela ukuzisa ityala kuwe. Xhumana nommeli wendawo ngokukhawuleza ukuba umntu uthetha iityholo zobugebengu. Ukuze unqobe, umbolekisi uya kufuna ukubonisa ukuba ityala lenu ngokwenene (abakwaziyo ukwenza njalo), kwaye kuya kufuneka bathathe inyathelo ngaphambi kokuba nayiphi na imimiselo yemingcele idlulayo.
Abaqokeleli amatyala kunye nabasemagunyeni beziThili
Uninzi lwama shishini alinaso izixhobo zokuqokelela kwizinto zokuhlola. Ngaphezu koko, amaninzi amagunya e-intanethi ayinayo imithombo yokulandelela abathengi abaye bafumana isheke elincinane. Ngenxa yoko, ii-arhente zokuqokelela amatyala zabucala ziphela zenza uninzi lo msebenzi.
Kweminye imimandla, abaqokeleli beebhanki kunye ne-arhente yokunyanzeliswa komthetho: ii-DA zinikezela i-lettershead kwaye zigunyazisa abaqokeleli beetyala ukuba basebenzise i-logo ye-DA, abaqokeleli beetyala abamba ukusetyenziswa kwempahla kunye nokuqhagamshelana nabathengi, kwaye babelana ngeengeniso (iifizi kunye nezohlwayo ) ngeofisi ye-DA.
Ngelishwa, ezinye zazo "iinkqubo zokuhlawula iimeko ezimbi" zidideka kubaxhasi, abakholelwa ukuba bafumana incwadi yeburhulumenteni esemthethweni. Abathengi banokukhokelwa ekubeni bakholelwe ukuba i-DA inenjongo yokufaka iintlawulo zezobugebengu (ezinokuthi zingenakulungile), kwaye azivumeli abathengi ukuba bathethe icala labo - enyanisweni, akukho mntu kwiofisi ye-DA uphinde ahlaziywe le nkundla. Abamkeli badla ngokusongela baze badideke, kwaye balelwa nje ukuba bahlawule imali efunekayo (kunye neentlawulo) kwaye babhalisele iklasi yokuphendula ingxelo ngokwezimali.
Ukuba uthe wafaka isheke kwaye udibana nomqokeleli wetyala, qiniseka ukuba uphathwa ngokufanelekileyo. Abaqokeleli bematyala, ngokubambisana nokunyanzeliswa komthetho, kufuneka balandele imigaqo ebekwe nguRhulumente, kwaye banokufuna ukulandela uMthetho woLungiso lweziTyala eziTyala (FDCPA) . Qhagamshelana nommeli wengingqi ukuba uxhatshazwa.
Ukuthintela iIcks Checks
Akunakukwazi ukwenza nantoni ngetshekhi esele iqhubekile, kodwa ungayigcina ingenzeki kwixesha elizayo. Nazi ezinye iindlela zokuphepha ukutshekisha i-akhawunti yakho ngelixa ungaphandle kwemali:
Ukulinganisela i-akhawunti yakho: Into ebalulekileyo ongayenza ukugcina ibhalansi ye-akhawunti yakho. Oku kuthetha ukuba kufuneka ukwazi ukuba unani kwaye uninzi kangakanani ukushiya iakhawunti yakho ngamaxesha onke. Yikhumbule nayiphi na intlawulo enokulindela, ukuhlolwa okuthe ngqo , kunye nokutshintshwa ngokuzenzekelayo kwi-akhawunti yakho. Funda indlela yokulinganisela iakhawunti yakho ngezixhobo ezahlukeneyo.
Gcina umgca: Ngaphandle kokucwangcisa kakuhle, iimpazamo (kunye neethenkile) zenzeke. Gcina imali eyongezelelweyo kwi-akhawunti yakho ukukunceda ukugubungela nayiphi na imimangaliso. Ukuba umqeshi wakho ukuhlawula ngokukhawuleza okanye uyakhohlwa malunga nokuhlawulwa kwebhilikhi ngokuzenzekelayo, i-tampon yokuphepha iyakwenza izinto zingabi zibi nakakhulu.
Jonga ibhalansi yakho: Kunzima ukugcina umkhondo wezinto zonke. Okongeziweyo, ibhalansi yakho ye-akhawunti inokuqhwala ngeendlela ongakhange uzilindele (ukuba usebenzisa ikhadi lakho lokubambisa kwipompo yegesi, umzekelo, okanye idiphozithi ibanjwe ). Bonisa indlela yokujonga ngokukhawuleza ibhalansi yakho ye- akhawunti ukuze ukwazi malunga neengxaki ngaphambi kokukhawuleza. Bhalisela izilumkiso ukuze ungabanjwa ngethuba xa ibhalansi yakho yekhawunti iyancipha.
Cinga ukukhuselwa kwe-overdraft: Ukukhuselwa kwe- Overdraft kunokubiza , kodwa akumele kube. Ukuba uyisebenzisa njengekhuseleko lomnatha (ngokuchasene nokuthembela kuyo ukuhamba kwemali) awuyi kukhawuleza ukuhlawula iirhafu ze-overdraft. Xa ibhanki yakho igubungela ukuhlola okubi, iindleko kufuneka zibe ngaphantsi kweemali zokukhangela i-check (kunye nabathengisi) kunye nemali ye-NSF (kwibhankini yakho). Unokwazi ukunciphisa iirhafu xa usebenzisa i- overdraft line yekhredithi okanye ucele ibhanki yakho ukuba ikhuphe imali kwi-akhawunti yakho yokugcina xa i-akhawunti yakho yokujonga ingenayo imali.
Bhatala ngekhadi lokukhwabanisa: Ukuba uqhubeka uhlawula iitshekhi, zithengele ngekhadi lakho lokubambisa esikhundleni (xa kunokwenzeka). Uya kukwazi ngokukhawuleza ukuba unokukwazi ukuthenga umthengi. Ngethuba ongeke unike imvume yakho yebhanki ukucwangcisa ezo ntlawulo, ikhadi lakho liya kukhatywa.