Ngaba ibhokisi lemeyili kunye neebhokisi ze-imeyile zihlala zizaliswe ngezibonelelo ezivela kwiikhampani zekhadi lesikweletu? Ukunikezelwa kwekhadi lesikredenti kwangaphambili "kuvunyeliswa, ingakumbi xa ungekho kwimarike entsha. Abantu abaninzi bathengisa kwaye baqhathanise amakhadi ekhredithi kwi-intanethi ngoku, ngoko akukho phantsi isizathu sokufumana ikhadi lekhredithi ngeposi. Ukunciphisa ukunikezelwa kwekhadi lokuthenga ngetyala akunciphisi nje kuphela inani leposi ofuna ukujongana nayo, kodwa kunciphisa inani lemaphepha kunye nenkunkuma eya ekhaya lakho.
Esinye isizathu esikhulu sokumisa ikhadi le-credit junk imeyile: ukukhusela ulwaphulo-mali . Ukuba awuyikudiliza okanye uqhekeze izicelo ngaphambi kokuba uzilahle, kukho ithuba lokuba isela lingathatha isicelo kwisitya, siyithumele kuso, kwaye sithintele ikhadi. Kungaba inyanga, iminyaka, nangaphambi kokuba ufumene ukuphulwa, ngakumbi ukuba awuyi kubeka iliso rhoqo ingxelo yengxelo yemboleko .
Indlela yokuphuma kweKhadi leKharityhulam linikezela ngexeshana okanye elifanelekileyo
Uninzi lwekhadi lokuthenga ngetyala lithunyelwa ngokusekelwe kwi-credit bureau ngaphambi kokuhlola. Umnikezeli wekhadi lesikweletu ucela i-credit bureaus ukuba ibuyisele uluhlu lwabathengi abahlangabezana nemigangatho ethile. Emva koko, umnikeli wekhadi uthumela iinkonzo zekhadi lesikweletu ezisekelwe kuloluhlu. Ukuba ungohlobo lomboleki umniki wekhadi lokuthenga ngetyala, ufuna ukufumana isipho sekhadi lesikweletu, naye. Le nkqubo isemthethweni ngokufanelekileyo, ngoko ukukhononda kwi-arhente karhulumente ayiyi kulungisa ingxaki yakho.
Ngethamsanqa, umthetho we-Federal unikezela ilungelo lokuphuma kulolu hlobo lokulondoloza i-prescreening. Ngokuphuma, uxelela i-credit bureaus ukuba awufuni ukuba ulwazi lwakho luthengiswe kwiikhampani zekhadi lesikweletu. Unokutyelela ku-www.optoutprescreen.com okanye ufonele u-1-888-5OPTOUT (1-888-567-8688) ukugcina igama lakho likhupha uluhlu olukhuselekile lweenombolo ezithile zeminyaka okanye ngonaphakade.
Ungasebenzisa kwakhona okukhethwa kukho ukukhetha ukungena kwakhona ukuba sele ukhethile.
Kungakhathaliseki ukuba yiyiphi indlela oyisebenzisayo-ukutyelela iwebhusayithi okanye ukubiza-kuya kufuneka unikezele ngolwazi oluthile. Igama lakho neederi zifuneka ukuqinisekisa ubungqina bakho. Inombolo yakho yokhuseleko yentlalo yinto yokuzikhethela, kodwa inokukunceda inkqubo ye-credit bureau isicelo sakho. Ngaphambi kokungena kwinombolo yakho yokhuseleko loluntu, qiniseka ukuba usebhusayithi efanelekileyo. Khangela "i-https: //" ekuqaleni kwe-hyperlink kunye nekhikhi kwibha yelesi ebonisa ukuba usebhusayithi ekhuselekileyo.
Qaphela ukuba ukhetha ukuphuma kwekhadi lesikweletu akuphazamisi umlinganiselo wakho wekhredithi, ngokuqinisekileyo okanye kakubi.
Misa i-Credit Card ehambelana neTelemarketers
Ezinye i-telemarketer ezinxulumene nekhredithi zingakubiza ukuba ubhalise kwi-inshurensi yamakhadi-ngetyala, iinkqubo zokunciphisa izinga lokuthwala, okanye ezinye iinkonzo ezinxulumene nokuthengisa. Ezi nkonzo zihlala zihlambalaza ukufumana ulwazi lwenkokhelo malunga nobusela bezazisi okanye ukubhalisa kwiinkonzo ongenakuzifuna ngokwenene.
Unokumisa i-telemarketers ukuba ungaqhagamshelani nawe ngokubhalisa kwiSizwe Musa ukubiza iRejista. Ubhaliso lukhululekile kwaye lunciphisa yonke i-telemarketing ifowuni oyifumanayo - kungekhona nje kuphela oyafumaneka kwiinkampani zekhadi lesikweletu kunye nezinye iinkonzo ezinxulumene nazo.
Ungabhalisa inombolo yakho yefowuni ngokuya kwi-www.donotcall.gov okanye ngokubiza 1-888-382-1222 ukusuka kwinombolo ofuna ukuyibhalisa. Umzekelo, ukuba ufuna ukubhalisa ifowuni yakho, fownela kwifowuni yakho.
Qaphela ukuba oku akusebenzi kwiifowuni ezikhupha amakhadi akho akwikhredithi akwi-akhawunti ekhoyo.
Yeka iKhadi leMali-mboleko nge-imeyili engenayo
Ngabantu abaninzi abanokugxekwa kwi-intanethi, kunzima ukukholelwa ukuba ngaba ikhadi lekhredithi elinikezwayo nge-imeyili livumelekile. Nangona unomdla kwikhadi lesikweletu, akufanele usebenzise isicelo ngokuchofoza i-imeyile. Kungaba yinto yokukhwabanisa i-phishing ukuze ufumane ulwazi lwakho lomntu.
Unokunciphisa i-credit card spam ngokunyusa izihlungi zogaxekile kwi-akhawunti yakho ye-imeyile. Ukumakisha okunikezwayo njengogaxekile kunoku "fundisa" inkqubo yakho ye-imeyli ukuqaphela ezo ntlobo ze-imeyile njengeposi engenayo i-mail kunye nokuyeka ukuzithumela kwibhokisi lakho lokungenayo.
Abanikezeli benkonzo ye-imeyile abaninzi banakuvumela ukuba uvimbele ii-imeyili kumakheli athile e-imeyile. Ukuqwalasela ezo zicwangciso kuyakukhusela ii-imeyile ukusenza kubhokisi lakho lokungenayo.
Ezinye iiMeyili zingaphantsi kweeNkukuma
Ngeli xesha le nkqubo iya kumisa amanxeba amaninzi angakacelwa ukuba ivumelekile. Unokuqhubeka ufumana izibonelelo ezivela kwiinkampani oye wenza ngazo ishishini, umz. Kwakhona, iinkampani ezingaphumelelanga kwinkqubo yokuphenya ngaphambi kokuba zikhange zikwazi ukuthumela izibonelelo. Sekunjalo, ukuphuma kuzo kutshabalalisa ubuninzi bekhadi lakho lesikweletu kunye nokulondoloza intloko yesifo.