Iimpazamo zamakhadi ezitalato ziqhelekile kunokuba uzicingela kwaye unenhlanhla, zilula kakhulu ukuhlangabezana nazo. Ukuba ufumanisa ikhadi lakho lekhredithi lihlawuliswe imali engafanelekiyo, ungakhathazeki. Ukusombulula kuyinto elula kakhulu, ngokungakhathaliseki ukuba awulibali.
Okokuqala, qinisekisa ukuba ikhadi lakho lekhredithi lihlawuliswe imali engalunganga. Ukuphonononga ukuthengiswa kwetekethi yakho yekhadi lesikweletu okanye iakhawunti yakho yekhadi lekhredithi ye-intanethi uze uqhathanise isixa semali kwi risithi yakho.
Kwivenkile okanye ezinye iinkonzo, qi ni sekise ukuba awulibali ukujonga kuyo naziphi na iingcebiso ozibhale ikopi yomthengisi we risithi.
Sebenza kunye nomrhwebi ukulungisa isiphoso
Ukuba uthe wagqiba ekubeni uhlawuliswe imali engalunganga, qalisa ngokuqhagamshelana neshishini apho kwenzeka khona iphutha. Unokumangaliswa ukufumanisa ukuba bangaphi abarhwebi abazimisele ukusebenzisana nawe ukulungisa isixa esihlawulwe ngokungalunganga. Kungenxa yokuba ukuba uya ngqo kumniki wekhredithi, umrhwebi unokufuneka ajongane nokubuyisela imali - inkqubo ebiza iindleko kwaye inokulimaza ukuma kwabo nebhankini. Abathengisi abaninzi banokubuyisela imali ngokuthe ngqo kunokuba bahambe kwinkqubo yokubuyisela imali.
Vumela umrhwebi ukuba azi iiposiso - unike ikopi yerisiti yakho ukuba unayo - kwaye ubone ukuba unokulungisa loo mpazamo. Ukusebenza nomrhwebi kunokukunika isiphumo esheshayo kuba banalo lonke ulwazi lokuthengiselana - okokuba umniki wekhadi lokuthenga ngetyala-mboleko kufuneka ukuba acele nantoni na ukuba ugqiba ukuphikisana nabo.
Ukuba umthengisi uyavuma ukuba uhlawuliswe imali engafanelekanga, baya kukwazi ukubuyiselwa imali kwikhadi lakho, kukunike i-credit card okanye kukubuyisele imali. Okanye, ukuba umyalelo ochanekileyo, umrhwebi unokuchaza isizathu sokuba.
Okanye, ukuphikisana nomniki-khadi wakho wekhadi
Ukuba awunalo inhlanhla kunye nomrhwebi, unako ukuya ngqo kwi-card issuer yakho.
Qaphela ukuba ungeke ukwazi ukuphikisana nezinye iindleko kuxhomekeke kwithuba elide elidlulileyo. Umthetho we-Federal ubeka umda kwimpazamo yokubambisa iimpazamo kwiintlawulo ezivela kwisitatimende kwikhadi lesikweleti kwiintsuku ezingama-60 ezedlulileyo, kodwa abanye abanikidi bekhadi lokuthenga ngetyala bangakuvumela ukuba uphikisane neendleko ezidlulileyo kunokuba.
Umthetho we-Federal ufuna ukuba uthumele ingxabano yakho ngokubhaliweyo , kodwa abaninzi abanokukhishwa ngamakhadi akhredithi baya kuphanda baze baphendule kwimpikiswano yakho ukuba uyayifaka ngefowuni okanye kwi-Intanethi. Shayela inombolo kumqolo wakho wekhadi lokuthenga ngetyala, ungene kwi-akhawunti yakho ye-intanethi, okanye uthumele incwadi yokuphikisana kumkhupheli wekhadi lakho lekhredithi (qi niseka ukusebenzisa idilesi yeenkcukacha). Ukuthumela ikopi yeerisithi okanye amaxwebhu axhasayo ibango lakho kuya kukunceda ukulungisa isigqibo ngokukhawuleza.
Ukubiza umnini-khadi wakho wekhredithi ukuze wenze ingxabano yakho ilungele ngakumbi, kodwa ukuthumela ileta (ngeposi eqinisekisiweyo) kuya kunceda ukukhusela amalungelo akho ukuba ufuna ukuthabatha amanyathelo omthetho kumniki-khadi wekhredithi. Ngokomzekelo, unokuthatha isenzo somthetho ukuba umniki wekhadi lokuthenga ngetyala akuphenduli ngexesha okanye uzama ukukuhlawula imali ngaphambi kokuba abuyisele iziphumo zophando.
Xa usuphikisana nephutha kunye nomniki wekhadi lakho lesikweletu, baya kuqhuba uphando ukuze bafumanise ukuba ngaba ngokwenene bahlawuliswe imali engalunganga.
Uphando lunokuthatha iintsuku ezimbalwa okanye iiveki eziliqela kuxhomekeke kwinkimbinkimbi yokuthengiselana kwakho kunye nexesha lokuphendula umthengisi. Okwangoku, awukho mfuneko yokuhlawula imali ephikisanayo uze ufumane impendulo evela kumniki wekhadi lesikweletu. Oku kusebenza kuphela kwisixa ophikisanayo. Kumele wenze ubuncinci ubuncinane kwiintlawulo ezingabonakaliyo.
Umniki wekhadi lokuthenga ikhredithi uza kuqhagamshelana nomrhwebi nayiphi na ingcaciso enxulumene nokuthengiselana, irisidi esayiniweyo, umzekelo. Emva koko, umniki wekhadi uya kuthatha isigqibo sokuba ngaba ixabiso lichanekile kwaye liyakucima ukuthengiselana okanye kukuxelele ukuba kutheni ixabiso lichanekileyo. Ukuba loo mali ichanekile, kuya kufuneka uyihlawule.
Ukubongoza iziGunyaziwe
Ukuba awuphumelelanga ukuxazulula ukuthengiselana, nangona emva kokuya kumrhwebi kunye nomniki wekhadi lokuthenga ngetyala, unokufaka isikhalazo kwiBhodi yoKhuseleko lwezeMali.
I-CFPB iya kuqulunqa uphando lwayo kwaye ngelixa abayikunyanzelisa umniki wekhadi-mboleko ukuhlawula, ukufumana i-arhente karhulumente ibandakanyekayo inokukhuthaza umniki-khadi we-credit card ukulungisa isipho sakho.