Ii-ATM ngezikhathi ezithile ukungasebenzi, kwaye ngamanye amaxesha kukho ukukhwabanisa okubandakanyekayo. Le miba phantse igqitywe, kodwa inokudala ukuxhalaba xa ucinga ukuba uya kuhlawulwa okanye awuyi kubuyiselwa.
Ngaphezu koko, banokushiya ingeniso iintsuku eziliqela (okanye ngaphezulu) ukuba i-akhawunti yakho isele iqhubekile.
Kwenziwe ntoni
Ukuba i-ATM ihluleka ukukunika imali, bika isiganeko ngokukhawuleza. Kwimeko efanelekileyo kakhulu, ibhanki okanye umsebenzisi we-ATM uya kukwazi ukuba iphutha lenzekile, kwaye liya kugqitywa kwi-akhawunti yakho ngaphambi kokuba ufike ekhaya uze wenze umnxeba. Kodwa kwezinye iimeko, kuya kuthatha inzame enkulu kwinxalenye yakho.
- Qaphela: Qopha ixesha elifanelekileyo, umhla, kunye nendawo yokungasebenzi. Ukuba kukho oomatshini abaninzi kwindawo enye, ngubani na? Ukuba ufumane ifowuni yakho, yenza iifoto ezimbalwa uze uzithumele umyalezo wesicatshulwa kwirekhodi yedijithali yexesha nalapho ufumane khona.
- Hambisa phambili: Musa ukuqhubeka usebenzisa i-ATM engakhange ikunike imali. Ukuba ufuna ikheshi, hamba kwenye indawo emva komqondiso wokuqala weengxaki. I-ATM ingaqhubeka nokusebenza kakubi, kwaye uya kuphelisa umda wakho wokuhoxiswa ngaphandle kokufumana imali. Iingxaki ze-ATM nazo zingabonakalisa ukukhwabanisa, ngoko ufuna ukunciphisa umnxibelelwano nomatshini. Esikhundleni sokusebenzisa imali, zama ezinye iindlela zokuhlawula (njengekhadi lokubambisa ukuthenga, okanye iinkonzo zentlawulo kunye neenkqubo zokuthumela imali kubangani). Ukuba usebenzisa i-credit union, unokukwazi ukufumana imali kumntu malunga nayiphi na enye inyunyana yekhredithi esebenzayo.
- Shayela umkishi wakho wekhadi okanye ibhanki: Faka ifowuni yakho kwikhamphani yekhadi lesikweletu ngokukhawuleza (ukuba bekuyikhadi lekhredithi) okanye ibhanki yakho (ukuba yayingumkhadi wendleko). Batshele ngokukodwa oko kwenzekayo, njengoko le ndlela iyona ndlela ekhawulezayo yokufumanisa imali kwiakhawunti yakho. Umnikeli wakho wekhadi uza kuhlela izinto nge-ATM. Akufuneki uqhagamshelane nelinye ibhanki (ngaphandle kwebhanki yakho), nokuba usebenzise enye i-ATM yebhanki.
- Umncedisi we-ATM unokunceda? Akulimazi ukuzama ukudibanisa nomnini we-ATM, kodwa ibhanki yakho yindawo efanelekileyo kakhulu yokuya kuyo. Nangona i-ATM ihlala kwi-lobby kwibatsha lasebhanki, abasebenzi abangenakukwazi ukuvula umatshini okanye ukuyibuyisela (kodwa ukuba ubhanki kunye nelo liko bangakwazi ukuthatha ibango lakho kumntu). Ukuba i-ATM ingenye kwenye indawo - kwisitoreji esilula, umzekelo - mhlawumbi kufuneka uxelele umqeshwa apho. Basenokuba nenkqubo yokunceda ukuhambisa izinto kunye, kwaye banokuqaphela abanye abazama ukusebenzisa umatshini.
Kwakhona, indlela engcono kakhulu kunye nekhawulezayo yokubuyisela imali kwi-akhawunti yakho kukuxelela umniki-khadi wakho. Ngelishwa, abasebenzi beminye imibutho banokukwenza okuncinci ukukunceda.
Yintoni ongayilindela
Ngaphantsi komthetho wesigqeba, ukhuselwe kule ntlobo zeephene (kunye nobuqhetseba). Ukucinga ukuba usebenzisa ikhadi lokukhwabanisa (ngethemba lokuba awusebenzisi amakhadi- mboleko ngemali ehamba phambili ), uMthethonqubo E unikezela ukuba ibhanki yakho kufuneka iphande esi siganeko kwaye isombulule ibango lakho kumsebenzisi we-ATM.
- Ingxelo ebhaliweyo: Qhagamshelana nebhanki yakho ngokukhawuleza (sebenzisa inombolo yefowuni emva kwekhadi lakho ) kwaye ubuze ukuba ungayifaka njani ibango le-ATM engenakukunika imali yakho. Unokwazi ukukwenza phezu kwefowuni, okanye unokufuneka uthumele into ebhaliweyo ukuze uyivumele. Ngayiphi na indlela, qiniseka ukuba wenze igosa ukuze ukhusele amalungelo akho (unako ukwenza njalo ingxelo yezwi kwaye ulandele ngokubhaliweyo ukuze ukhuseleke).
- Imali yokubuyisela: Emva kokuba uxelele ibhanki yakho yemali elahlekileyo, ibhanki iya kuqalisa uphando. Kufuneka ubone ngoko imali ekhankanywe kwi-akhawunti yakho zingadlulanga iintsuku ezili-10 (eyaziwa njengekhredithi yesikhashana) - kodwa maxesha amaninzi kuya kwenzeka ngosuku okanye njalo. Le ngxowa yesikhashana kuba ufumana kuphela ukugcina imali ukuba ibhanki ithola impazamo. Ukuba ibhanki yenza isigqibo malunga nawe, inkokhelo iya kususwa, kwaye uya kuba noxanduva lokufaka imali esikhundleni sokuba usuchithe.
- Ixesha lokuphanda: Ibhanki yakho ineentsuku ezingama-45 zokuphanda ukukhishwa kwe-ATM (iintsuku ezingama-90 kwezinye iindidi zeengxabano), ngoko akukho nto iqinisekileyo uze uvale ukusuka ebhankini. Ibhanki kunye nomsebenzisi we-ATM baya kwenza konke abakwaziyo ukufumana into eyenzekayo: jonga ividiyo yokujonga, ubale imali emshinini, khangela iinkcukacha ezifihlakeleyo ezinokuba zibophe iibill ngaphambi kokuba zingene ezandleni zakho, nangaphezulu.
Oku akenzi izinto zibe lula kwixesha elifutshane, kodwa kukho ithuba elihle kakhulu lokuba uza kubuyiselwa kwakhona ekugqibeleni. Ukuba ungekho ngxaki ekufumaneni i-ATM engalunganga, sinethemba lokuba uya kufumana induduzo ngokwazi ukuba mhlawumbi akunakuze kwenzeke kuwe kwakhona.