Yintoni iKhadi leMatyala?
Ikhadi lesikweletu likhadi leplastiki elikuvumela ukuba ufikelele kumda we- credit card umniki-khadi wakho. Umda weerhafu unjengomboleko. Nangona kunjalo, endaweni yokunika imali epheleleyo ngemali, ibhanki ikuvumela ukuba uthathe ininzi yemboleko njengoko ufuna ngexesha kwaye ikuvumela ukuba ubuyisele kwakhona imali mboleko ngokude uhlawule oko ubolekelwe.
Amakhadi aMatyala asebenza njani
Uninzi luqhubeka emva kweempawu zekhadi lokuthenga ngetyala. Nantsi inguqu elula. Xa ushintshela ikhadi lakho lekredithi ukuze uthenge, i-card yomthengi wekhadi lesikweletu libiza umniki wekhadi lakho lekhredithi ukuba ngaba ikhadi livumelekile kwaye ukuba unayo isikweletu esaneleyo. Umnikeli wakho wekhadi lokuthenga ngetyala uyabuyisela umyalezo othi ukuthengiselana kuvunyiwe okanye kunqatshelwe. Ukuba kuvunyelwe, ungathatha impahla kunye neenkonzo zakho ukuya endleleni yakho.
Njalo xa uzithenga, i- credit yakho ekhoyo ihla ngexabiso elifanayo.
Ukuba unayo umyinge we-100 wemali kwaye uthe wenza i-$ 25 yokuthenga, uya kuba ne-$ 75 ekhoyo kunye ne-bank ye-$ 25. Ukuba uboleka enye i-$ 50 ngaphambi kokubuyisela imali engu-25 oyiboleke yona, uya kubakhokhela ibhanki ubuninzi be-$ 75 kwaye ube ne-$ 25 ekhoyo.
Yintoni eyenza ikariti yekredithi eyahlukileyo kwimali-mboleko ehlawulelwayo kukuba umlinganiselo wakho wekhredithi uyafumaneka kwakhona xa uhlawula imali.
Kwimizekelo engaphambili, xa uhlawula i-$ 75 enetyala, uya kuba ne-100 eyi-credit card. Kodwa ukuba uhlawula kuphela i-$ 25 yeedola ezingama-75, uza kuba ne-$ 50 kuphela.
Unokuchitha kwaye ubuyisele ngokubanzi njengoko ufunayo nje kuphela xa uhlala phantsi kwemigangatho yokukhishwa kwamakhadi wesikweletu, umzekelo, yenza iintlawulo zakho ngexesha kwaye ungahlawulisi ngaphezu komda wakho wesikweletu. Ngenxa yokuba unako ukuhlala uboleka kumlinganiselo wakho wesikweletu emva kwexesha, ngamakhadi e-credit card kuthiwa ngamanye amaxesha abizwa njengeakhawunti evukelayo kunye neakhawunti evulekile .
Iindleko zokuhlawula i-Balance Card Card
Umnikezeli wekhadi lokuthenga ngetyala unikezela ixesha elithile lokuhlawula yonke into oboleke ngayo ngaphambi kokuba bathenge inzala. Eli xesha libizwa ngokuba lixesha lobabalo kwaye lidla phakathi kweentsuku ezingama-20 ne-25. Ukuba awuyikuhlawula ibhalansi yakho epheleleyo ngaphambi kokuphela kwexesha lobabalo, umrhumo obizwa ngokuba ngumrhumo wezemali ungeze kwi-balance balance. Intlawulo yezemali isekelwe kwisabelo sakho somyinge kunye nemali yakho.
Amakhadi enetyala anomyinge wenzala , yintoni umrhumo wonyaka ohlawula ukuboleka imali kwikhadi lakho lekhredithi. Amanqanaba omdla ngokubanzi asekelwe kwiimali zentengo yemarike, umlando wakho wekhredithi kunye nohlobo lwekhadi lesikweletu. Ukuba unembali efanelekileyo yokuhlawula iibhilidi zekhadi lakho lekhredithi, uya kufumana ilungelo lokunciphisa inzala kunabanye abasebenzisi bekhadi lesikweletu.
Kufuneka uhlawule ibhalansi yakho ngokupheleleyo phambi kokuphela kwesithuba somusa ukuba ufuna ukuphepha ukuhlawula umdla. Nangona kunjalo, umnikezeli wekhadi lokuthenga ngetyala (credit card) ngokuqhelekileyo akafuni ukuba uyihlawule yonke into oyenzayo ngokukhawuleza, kodwa kufuneka uhlawule ubuncinci umrhumo omncinci ngomhla ofunekayo ukuze ugweme isohlwayo esikufutshane. Ukuhlawula ubuncinci kuphela indlela ehamba ngokukhawuleza neyona ebiza kakhulu yokuhlawula ibhalansi yakho yekhadi lesikweletu.
Ukuphonononga Umsebenzi wakho weKhadi leKhadi
Ngenyanga nganye, umniki wekhadi lokuthenga ngetyala uyakuthumela isitatimenti sokubhatala esiquka intlawulo yakho encinci, umhla ofunekayo, kwaye uludwe lweentengiselwano ezithunyelwe kwi-akhawunti yakho ukususela kwisitatimende sakho sokugqibela sokuthengisa. Ingqiqo enhle ukuhlaziya le ntengiso ukuze uqinisekise ukuba yonke into eyenziweyo. Ufuna kwakhona ukuqinisekisa ukuba intlawulo yakho yokugqibela isetyenziswe ngokufanelekileyo kwi-akhawunti yakho.
Ukuba kukho nayiphi na iirhafu eziye zongezwa kwibhalansi yakho, qiniseka ukuba zivumelekile.
Ezinye iintlobo zePlastiki
Ngokwenyama, ikhadi lekhredithi ngumxholwana weplastiki olinganisa ama-intshi ama-3-1 / 8 ngamasentimitha ama-2-1 / 8. Ngokuqhelekileyo, kukho amadijithi ayi-16 embossed ngaphambili (amadijithi ama-15 ekhadi laseMelika Express). Qaphela ukuba kukho ezinye iintlobo zamakhadi ezihambelana nale nkcazo engekho amakhadi esikwereti, kodwa yenza umlinganiselo wekhadi lesikweletu apho uyaswayipha ukuze uthenge. Ngokomzekelo, ikhadi lokutshekisha okanye ikhadi le-debit liya kuba neenombolo ezili-16 eziprintiweyo ngaphambili. Nangona kunjalo, ukuthengwa kwikhadi lebityala kuthathwa kwiakhawunti yokujonga. Kwakhona, ikharityhulam ehlawulwe kuqala kwaye isebenza kakhulu njengokhadi lekhredithi, kodwa ukuthengwa kuncitshiswe kwi-akhawunti ehlawulwa ngokukhokha. Kuyafana kunjalo namakhadi wesipho kwiinkonzo ezinkulu zekhadi lesikweletu.