Amakhadi okuthenga kunye namatyala anethuluzi elinamandla lokuchitha. Unayo yonke into oyifunayo ukuyisebenzisa imali ngaphesheya kwelanga, kwikhaya lakho, nakwi-intanethi. Kodwa loo maqhezu eplastiki asebenza njani?
01 Ngaphambili kweDebit / Credit Card
Zama uqhelaniswe neempawu zekhadi lakho ukuze ukwazi ukuyisebenzisa ngokufanelekileyo.
1. Ukubhengeza ibhanki: Eli candelo lichaza umniki-khadi wakho. Amakhadi abonisa igama lakho lomthengisi, kodwa angabonisa uphawu lweprogram ethile kwinkalo ethile. Ngokomzekelo, amanye amakhadi abhalwe ngeenkqubo zokuvuza okanye amagama omthengisi.
2. Inombolo yekhadi: Inombolo yekhadi enye yezona ndawo zibalulekileyo zekhadi. Inombolo yeenombolo ezili-16 ezixhunyaniswe neakhawunti yakho kunye nomniki wekhadi, kwaye ezo ziyidijithi ozakuzifumana xa uzithenga nge-intanethi okanye ngefowuni. Ukuba usebenzisa i-American Express, inombolo yekhadi idijithi ezili-15 kuphela.
Khusela inombolo yakho yekhadi. Qaphela apho ubhala phantsi, kwaye unciphise ukuba ubani unika inamba kuye-nokuba uthayipha kwinani okanye unike umntu wakho ngekhadi. Xa iinombolo zamakhadi zibiwe ngamasela, zingasetyenziselwa ukuthenga kwiakhawunti yakho. Akunakufuneka uhlawule ezo zithengiweyo, kodwa ukucoca umdaka kungabonakali .
Ukuthenga i-intanethi, udinga okungaphezulu nje kwenani lekhadi. Uya kufuneka kwakhona umhla wokuphela kwekhadi kunye nekhowudi yokhuseleko, kunye nekhodi yefayili kwifayile kunye nomnikeli wakho wekhadi. Ikhowudi yokukhusela ngokuqhelekileyo inombhalo yamanani amathathu emva kwekhadi, kodwa oku kuhluka ngokufundwa ngumkhupheli malunga nekhowudi yekhowudi yokhuseleko apha ngezantsi. Zininzi iinkqubo nazo zicela igama lomnini-khadi.
Ukuba usebenzisa ikhadi lokubambisa elidibene neakhawunti yakho yokukhangela , inombolo yakho yekhadi iyahluke kwinombolo yakho yeakhawunti. Oku kunokuba kudideke kuba iikopi zokuhlola zibonisa inombolo yakho ye-akhawunti yokujonga kunye nemali iphuma ekukhangela-kodwa inombolo yakho yekhadi iyahluke.
Igama lomnini wekhadi: Lo ngumntu ogunyazisiweyo wokusebenzisa ikhadi. Loo mntu akazange avumele ukuvula i-akhawunti-banokuba nje banemvume yokuchitha kwi-akhawunti "njengomsebenzisi ogunyazisiweyo". Abasebenzisi bekhadi abagunyazisiweyo kuphela banokuthenga nge-debit okanye kwikhadi lekhredithi, kwaye abathengisi bayakhuthazwa ukuba bacele i-ID phambi kokuba bamkele inkokhelo ngekhadi.
4. Iipompo ze-Smart: Ezi projekthi zincinci zincinci zenza amakhadi angakhuselekanga kunamakhadi asemagqabini kuphela. Benza kube nzima ukuba amasela asetyenzise amanani amakhadi ebiwe. Ngexesha eliqhelekileyo (kwaye ngamanye amaxesha liyimfuneko) ngaphesheya kwezilwandle, iibhanki zaseUnited States ziye zanciphisa ukufumana amakhadi ahlakaniphile. Emva ko-2015, iibhanki kunye nabathengisi banesishukumisi esininzi sokongeza ezi zinto zikhuseleko. Abo bangasamkeli iteknoloji ye-chip banokujamelana nomngcipheko omkhulu wokukhwabanisa kunye nokuthengiswa kwemigane.
Ukuba ikhadi lakho linomphunga, sebenzisa xa kunokwenzeka ngokufaka ikhadi lakho esikhundleni sokutshiza. I-chip iyongeza ikhowudi enye-ntsebenzo kuyo yonke intengiso, eyenza ukuba idatha ebiwe ingabalulekanga. Ukuthintela ukukhwabanisa kunokugcina iindleko kumntu wonke, kwaye kuthetha ukuba akunakwenzeka ukuba ufake indawo yamakhadi uze uhlaziye iinombolo zamakhadi xa ulwazi lwakho lubiwe. Funda ngokubanzi malunga namakhadi asebenza ngayo .
Umhla wokuphelelwa yisikhathi: Ngexesha elide, uzakufuna ukutshintsha ikhadi lakho. Ukunyuka kwamakhadi anobulumko kuyisinye sezizathu zeebhanki zikhupha amakhadi amatsha. Umhla wokuphelelwa yisikhathi kubalulekile kuba kufuneka ukuba uthenge nge-intanethi okanye phezu kwefowuni-uya kufuneka ukubonelela umhla ochanekileyo wokuhlawulwa kwakho ukuba uvunyiwe. Amabhanki ngokujwayelekile athumela amakhadi amatsha kungekudala ngaphambi kokuba amakhadi amadala afe.
6. I-logo yenethiwekhi yentlawulo: Kubalulekile ukwazi ukuba uluphi uhlobo lwekhadi onayo. Imizekelo eqhelekileyo iquka i-MasterCard, i-Visa, kunye ne-Discover. Ukuba uthengisa nge-intanethi, kukho imenyu ehlayo efuna ukuba ukhethe yiphi inethiwekhi ikhadi lakho. Ezi logos nazo zinceda xa uceba ukusebenzisa ikhadi lakho ukuhlawula iimpahla okanye iinkonzo-abathengisi bavame ukubonisa izitikiti okanye iiplacethi ezikuxelela ngamaphi amakhadi avumayo (unokuhlala ucela malunga namakhadi angeziwe).
02 Emuva kwi-Debit / Credit Card
Kuninzi ukwenza iintlawulo kunokuba ufunde inombolo yekhadi. Umva we-debit okanye ikhadi lekhredithi liquka iimpawu ezibalulekileyo ezibalulekileyo.
Umgca weMagnet: Lo mhlubo omnyama uqulethe ulwazi malunga nawe kunye nekhadi lakho, elingafundwa ngamacandelo akhethekileyo aziwa njengabafundi bekhadi. Njalo xa uswayipha ikhadi lakho kumthengisi, uqhuba umgca wamagnetic ngokusebenzisa umfundi wekhadi ukuze ikhadi lakho lihlawulwe. Imivimbo yamagnetic ibandakanya igama lakho, inombolo yekhadi, umhla wokuphelelwa yisikhathi kunye nezinye iinkcukacha. Ukuba le nkcukacha ibelwe-nokuba ngabagculi beba idatha okanye umthengisi ongeyinyaniso ugijima ikhadi lakho ngokusebenzisa i-device skimming skirt) -inokusetyenziswa ukudala ikhadi elimangalisa kunye nomgca wamagneti ofana nekhadi lakho.
Iimpawu zamagnetic zihlala zihlala ziphantsi, ingakumbi ukuba ungumsebenzisi wekhadi elinzima. Zingakonakaliswa ukuba zisondele kakhulu kumagnet anamandla. Ukuba umgca wakho uyeka ukusebenza, abarhwebi bangase badinge ukutshitshisa inombolo yekhadi lakho ngesandla, oko bangayenakho ukukwenza ngenxa yezizathu ezininzi, kodwa unokuyalela amakhadi okutshintshwa kunye nomdlalo omtsha.
2. IHologram: Amanye amakhadi abonisa ihologram, okanye indawo efana nesibuko ebonisa umfanekiso obala-ntathu obonakala uhamba njengoko utshintsha i-angle yokujonga. IiHologram ziyimpawu zokhuseleko ezikunceda abathengisi bachonge amakhadi alungileyo-ihologram ayilula ukuyifaka. Maxa wambi iehologram zivela phambi kwekhadi lakho.
Ulwazi loqhagamshelwano lweBhanki: Ukuba ufuna ukudibanisa nebhanki yakho, sebenzisa ulwazi loqhagamshelwano kumakha ekhadini lakho. Oku akuyona into elula-yindlela efanelekileyo yokukhusela ubuqhetseba. Xa usebenzisa ulwazi loqhagamshelwano kwikhadi lakho, uyazi ukuba uthetha nomntu ovela kwibhankini yakho. Oku kubaluleke ngakumbi xa ufumana ifowuni okanye i-imeyile engase ivela kwibhankini yakho, kodwa ingaba nayo evela kumculi womculi. Esikhundleni sokubuyisa umnxeba okanye i-imeyile usebenzisa ulwazi loqhagamshelwano abalunikezayo, fownela inombolo kumqolo wekhadi lakho ngoko akungabazeki ukuba ubiza inamba esemthethweni.
Ingcinga efanelekileyo yokugcina ulwazi lomninimzi wekhadi lomninimzi ogcinwe ngokwahlukileyo kwikhadi lakho. Ukuba ulahlekelwa ngumakhadi wakho, uya kufuna ukuqhagamshelana nebhanki yakho ngokukhawuleza . Bhala inombolo phantsi kwindawo ephephile, okanye uyigcine kwifowuni yoqhagamshelwano lwefowuni yakho.
4. Iphaneli yomqondiso: Ikhadi lakho kufuneka lisayinwe phambi kokuba ungayisebenzisa, ngoko tyikitya igama lakho kule ndawo. Akulungele ukulungelelanisa isayinari kwilo bhokisi encinci, kodwa yenza okusemandleni akho. Izityikitya ziyimfuneko kubaniki bamakhadi, kwaye abarhwebi kufuneka baqinisekise ukuba usayine ikhadi. Abanye abantu babhale "FUNDA ID" kule ndawo sinethemba lokuba abathengisi baya kufuna ukuchongwa kumntu ozama ukusebenzisa ikhadi. Ngokwamaziko, ngokuqhelekileyo ngokuchasene nemithetho yakho yomkhupheli wekhadi, kwaye abathengisi abaqapheli okanye bahloniphe eso sicelo.
5. Iikhowudi zokukhusela: Amakhadi atyhilwa ngekhowudi eyongezelelweyo ukukunceda ukuqinisekisa ukuba nabani usebenzisa inombolo yamakhadi unokukhadi elisemthethweni. Ukuhlawulwa kweentlawulo kwi-intanethi okanye ngefowuni, abathengi badinga okungaphezulu nje kwenani lekhadi kunye nomhla wokuphelelwa yisikhathi phambi kwekhadi lakho. Ikhowudi yokhuseleko kwimva idala intsiba eyongezelelweyo yabagculi abaye babela inombolo yakho yekhadi ukusuka kwiinkqubo zorhwebo okanye ngoncedo lwe-skimmer.
Iikhowudi zoKhuseleko zingathunyelwa njengeCVV, iCVV2, iCVC, i-CSC, i-CID, okanye amanye amagama afanayo. Uninzi lwewebhu lucela kuphela "ikhowudi yokukhusela" kwaye unike ibhokisi elincinane ukuba uthayiphe ikhowudi. KwiVisa, MasterCard, kwaye Ufumanise amakhadi, ikhowudi iyikhowudi yeefayili ezintathu emva kwekhadi lakho. Iimbolo ezine ezandulelayo ("3456" emfanekisweni ongentla) ziinqalo ezine zokugqibela zekhadi lakho lekhadi. Kwimakhadi e-American Express, ikhowudi yokukhusela ikhowudi eneenombolo ezine phambi kwekhadi. Khangela phezulu kwinombolo yakho yekhadi ngakwesokudla kwekhadi.
Ikhowudi yakho yokukhusela, njengamanye amanani ekhadi lakho, liyinxalenye ebalulekileyo yolwazi. Musa ukwabelana nalo khowudi ngaphandle kokuba kuyimfuneko yokwenza intlawulo kumntu othembekileyo.
6. I-logos yomnxeba: Ikhadi lakho linokuba neefowuni ezongezelelweyo zenethiwekhi ngasemva, ngokuqhelekileyo kwikona elisezantsi. Ezi logos zikunceda ukuba ufunde ukuba yeyiphi i-ATM ongayisebenzisa mahhala . Unako ukusebenzisa ezinye ii-ATM, kodwa uya kuhlawula imali kwi-ATM yomsebenzisi. Ngaphezulu, unakho ukuhlawula imali eyongezelelweyo kwi-bhanki yakho okanye umkhishisi wekhadi lokuthenga ikhredithi xa usebenzisa ii-ATM zangaphandle.
03 Yintoni Ongayenza Ngekhadi Lakho?
Fumana imali: Unokufumana imali kwiikhadi zemali kunye namakhadi ekwereti, kodwa kukulungele ukusebenzisa ikhadi lokubambisa imali yokurhoxiswa kwemali. Ikhredithi yamakhadi ekuqhubekeni kwemali yindleko, kwaye uya kuhlawula umrhumo kumazinga aphezulu. Ukuba udinga ngaphezu kwebhanki yakho okanye i-ATM ikuvumela ukuba uhoxise, zama ukutyelela isebe ukuze ufumane ngaphezulu komda .
Thenga online: Kukho iindlela ezininzi zokuhlawula ukuthengwa kwe-intanethi. Xa uthengisa nge-intanethi, mhlawumbi unqabile ukusetyenziswa kwekhadi lesikweletu endaweni yekhadi lokukhwabanisa . Amakhadi eemboleko anika ukukhusela abathengi abangcono Mhlawumbi kubaluleke ngakumbi, bafaka i-akhawunti yokujonga kwiingxaki. Khawuhlawule kuphela ikhadi lakho lekhredithi ngenyanga ukuze ugweme iintlawulo zenzalo .
Thumela imali kubangani kunye nosapho: Ukuba ufuna ukuhlawula isabelo sakho serenti okanye isidlo sakusihlwa, okanye ukuba ufuna nje ukukunceda, ungathumela imali kwikhadi lakho. Iinkonzo ezininzi kunye neenkonzo zinokuvumela ukuba uhlawule iintlawulo ngeemali zamakhadi kunye nekhredithi. I-Cash Cash iyaphawuleka kuba ikhululekile ukuthumela nokufumana imali usebenzisa ikhadi lakho lokubambisa.
Ukuhlawula iindleko: Ukuhlawulwa ngokukhawuleza-okanye ukuba uthanda ukuhlawula zonke iindleko zakho kwiakhadi enye-akhawunti ezimbini. Unokuhlawula ngeposi, kwi-intanethi okanye ngefowuni . Kwakhona, amakhadi enkonzo ngamatyala angakunceda ukuba ugweme i-domino ifuthe ukuba kukho ingxaki ngenxa yentlawulo yakho.