Iintlawulo zekhadi zetyala ezingagunyaziswanga zingabangela intlungu, kodwa ngokuqinisekileyo awuyi kuhlawula ezi ntlawulo xa ufumana kwaye uzixelele ngokukhawuleza xa uzibona. Ukubona iintlawulo ezingagunyaziswanga, kufuneka uqaphele ngokuthe ngqalelo yonke into eyenziwa kwisitatimende sekhadi lakho lesikweletu kungakhathaliseki ukuba likhulu kangakanani okanye lincinci. Ubamba iintlawulo ezingagunyaziswanga ngokukhawuleza ngokubeka iliso ukuthengiselana kwakho kwi-intanethi kulo lonke inyanga kunokuba ulinde isitatimende sakho sokubakho ukufika kwi-imeyile.
Fumana Iimali zeeKhadi zeMatyala ezingagunyazisiyo
Iindleko zekhadi zekhredithi ezingagunyaziswanga ziquka nayiphi na inkokhelo kwiakhawunti yakho yekhadi lesikweletu ongazange uyinike imvume. Ngokuqhelekileyo, iintlawulo ezingagunyaziswanga zibangelwa kubusela bekhadi-khredithi - mhlawumbi kwikhadi lesikratshi elibiwe okanye inombolo yekhadi lesikweletu echithwe. Ngamanye amaxesha, iintlawulo ezingagunyaziswanga zibangelwa yimpazamo yokubhala okanye ikhompyutha. Ngayiphi na indlela, kukuxanduva lwakho lokufumana nokubika ezi ntlawulo ngokukhawuleza kunokwenzeka ukuze unciphise uxanduva lwakho . Ngaphambi kokubika iirhafu, qinisekisa ukuba iishaja azenziwe ngumnikazi we-akhawunti kunye kunye nomsebenzisi ogunyazisiweyo kwi-akhawunti yakho.
Iindleko ezininzi zekhadi lesikweletu ezingavumelekanga zingakhange zibonwe ngeenyanga eziliqela kuba abanini bamakhadi abayihlolisisi kakuhle iingxelo zabo zekhadi lesikweletu. Ukufumanisa kwangaphambili kubalulekile xa kufikelelwe ekulungiseni iindleko zekhadi lokuthenga ngetyala. Unokuba noxanduva lweentlawulo ukuba ixesha elidlulileyo lidlulayo ukusuka kwithuba elihlawulwe ngalo ixesha olibika ngalo.
Ngokukodwa, uMthetho weMali wokuTyala ngokuTyala uthe ufanele uxele iirhafu ezingagunyaziswanga kunye nezinye iimpazamo zokubhalwa kwekhadi lokuthenga ngetyala.
Ngokomzekelo, ukuba inkokhelo engagunyaziswanga yenziwe ngoFebruwari 15 kwaye isitatimenti sakho sithunyelwe ngeMatshi 1, ude ufike ngo-Aprili 30 ukuphikisana nentlawulo ngokubhaliweyo.
Umnikezeli wekhadi lokuthenga ngetyala akuvumelekanga ngokusemthethweni ukusingatha ingxabano yakho enoba ubika emva kweentsuku ezingama-60.
Bika zonke iintlawulo ezingagunyaziswanga, kungakhathaliseki ukuba yimali. Kwenye uhlobo oluthile lwekhredithi yekhadi lekhredithi , amasela enza inkokhelo encinci kwi-akhawunti yakho, umz. $ 1, kwaye emva koko ulandelele inkokhelo enkulu. Umrhumo omncinci ngokuqhelekileyo uvavanyo nje ukujonga ukuba i-akhawunti iyasebenza kwaye ukuba inkokhelo enkulu iya kuhamba.
Ukubika iiRhafu zeKhadi leMatyala ezingagunyaziswanga
Xa ubona inkokhelo yekhadi lekhredithi engagunyazisiweyo kwi-akhawunti yakho, nika umnxeba kumniki-khadi wakho wekhadi usebenzisa inombolo ekupheleni kwekhadi lakho lesikweletu. Ukuba awunayo ikhadi lakho lesikweletu kwaye awugcinanga ikopi yenombolo yefowuni, sebenzisa isitatimenti senkokhelo yakutshanje okanye iwebhusayithi ye-issuer yekhadi ukuze ufumane inombolo echanekileyo.
Ungalokothi unike ngolwazi kumntu obiza okanye nge-imeyile obiza ukuba ngumnikeli wakho wekhadi lesikweletu, kungakhathaliseki ukuba kubonakala kusemthethweni kangakanani. Oku kudla ngokuba yinto yokukhwabanisa ngamatye ukuba amasela asebenzise ukufumana ulwazi lwakho lomntu okanye ikhadi lakho lesikweletu. Ngokuqhelekileyo ukukhwabanisa kukufumana ukufumana ikhowudi yokukhusela idijithi ezintathu okanye ikhowudi yakho ye-zip. Njalo qalisa uqhagamshelwano nomniki-khadi wakho wekhredithi usebenzisa inombolo yefowuni ethembekileyo, umz. Kwikhadi lakho lesikweletu, isitatimenti senkokhelo okanye iwebhusayithi ye-credit card yangempela.
(Jonga ukuqwalasela iCredit Credit Phone Scams ).
Emva kokuba unani elichanekileyo lokukhishwa kwekhadi lakho lesikweletu, ufowunela ukubika iindleko zekhadi lokuthenga ngetyala. Baya kukhishwa ngokutsha iakhawunti yekhadi lesikweletu kwaye bavuselele ikhadi elitsha lekhredithi ngenombolo entsha ye-akhawunti.
Ukuze uqinisekise ngokuqinisekileyo ukuba amalungelo akho avikelekile, kufuneka ulandele iileta zokuphikisa ezichazela iindleko zekhadi lesikweletu ezingagunyaziswanga. Qwalasela ifowuni yakho kwaye ufake igama lommeli wenkonzo yabathengi oye wathetha nabo.
Abanye abakhupha amakhadi ekhredithi bafuna ukuba uqale uzame ukusombulula intlawulo engagunyaziswanga kunye nomrhwebi. Uyakwazi ukuchonga umrhwebi ngokuhlaziya isitatimende sakho sekhadi lesikweletu. Nangona kunjalo, amasela ngamanye amaxesha athathaka ulwazi olumthengisi olwenza ukuba kubonakale ngathi iindleko zenziwe kunye nomthengisi othile xa bekungenjalo (oku kuye kwaba ngumcimbi oqhubekayo kunye neentlawulo ezingekho phantsi kweTunes ).
Kule meko, kuya kufuneka uphendululwe ngokusebenzisa umthengisi wakho wekhadi lokuthenga ngetyala ngaphandle kokuthengisa.
Khusela amaLungelo akho
Ngokomthetho, unako uxanduva lokufikelela kwi-$ 50 yeemali ezingenagunyaziwe ezenziwe ngaphambi kokuba uxelele ikhadi lekhredithi elingekhoyo, kodwa abaninzi abanokukhawulwa kwamakhadi-kredit banemigaqo-mfanelo yokukhwabanisa inkohlakalo ekuthintela uxanduva lwenkcitho yamatyala. Ukongezelela, uMthetho weMali oyiNtlawulo yeMboleko uthi awuyi kuhlawulwa ngamatyala angagunyaziswanga ngelixa lakho ikhadi lilifa lakho. Ngamanye amagama, ukuba izityholo ezingagunyaziswanga zenziwe ngolwazi lwekhadi lakho lekhadi lesikweletu kunokuba lakho ikhadi lekhredithi, awuyi kuba necala xa unako ukufumana i-card yakho yekhredithi.
Xa uphikisana nentlawulo engagunyaziswanga, umniki wekhadi lokuthenga ngetyala uyakususa kwi-akhawunti yakho. Okwangoku, awunabo uxanduva lokuhlawula isahluko sokuphikisana sakho semali. Umnikeli wekhadi akakwazi ukuhlawulisa nayiphi na imali okanye inzala kuloo mabhanki angabhawulwa ngaphandle kokuba emva koko iqinisekiswe ukuba ngaba ugunyazisile loo ntlawulo.
Ukufomula: bhengeza iindleko ezingagunyaziswanga ngokukhawuleza nje xa uzibona okanye kumthengisi okanye umniki-khadi wakho. Emva koko, landela impikiswano ingxabano kunye neleta kumkhupheli wekhadi lakho lekhredithi ukuqinisekisa ukuba amalungelo akho akhuselwe ngokupheleleyo. Thatha amanyathelo okukhusela ulwazi lwekhadi lakho lesikweletu ukukhusela iirhafu ezingagunyaziswanga zizayo.