Ukufumana ikhadi lakho lokuqala lokuthenga ngetyala kukuzonwabisa. Kwabaninzi abaselula , kuyona nto ingcono kakhulu eyenzekayo ukususela ekufumaneni ilayisenisi yakho yokuqhuba umqhubi nokuguqula i-18. Kodwa, amakhadi enkokhelo awayiyo yonke into yokuzonwabisa. Uninzi uxanduva luza kuba nekhadi lesikweletu.
Nantsi ingcaciso emfutshane yento eyenzekayo xa ufumana ikhadi lakho lokuqala lokuthenga ngetyala: ikhadi lekhredithi liza kwi-imeyile, uyilisebenzise, yithenge, thola isitatimenti sekhadi lakho lesikweletu, uhlawule umrhumo.
Ukukwazi iinkcukacha ezenzeka kwinqanaba ngalinye kunokukunceda ukuba ugweme iindleko ezininzi zekhadi lesikratshi , ityala lekhadi lesikweletu kunye nomonakalo wesikweletu abantu abaninzi abaselula abakwazi ukufumana ngekhadi lokuqala lokuthenga ngetyala.
I-Credit Card yakho iya kwi-Imeyile
Kungekudala emva kokuba uvunyiwe kwikhadi lakho lokuthenga ngetyala, umniki-khadi wakho wekhadi uthumela ikhadi lekhredithi egama lakho kuyo kwidilesi kwisicelo sakho sekhadi lesikweletu.
Uya kufuneka usebenze ikhadi lakho elitsha lekredithi ngaphambi kokuba usebenzise. Ngaphambi kwekhadi lakho, kuya kuba ne-sticker nenombolo yefowuni ukufowunela ukuvula ikhadi lakho lekredithi. Ukuqalisa kuyakufuna ukuba ufake inombolo yakho yekhadi lesikweletu kunye nenombolo yokhuseleko lwakho loluntu okanye ikhowudi yakho ye-zip okanye zombini. Ngeke ukwazi ukusebenzisa ikhadi lakho lesikweletu uze usebenze.
Kwimvulophu enekhadi lakho lesikweletu, uya kufumana isivumelwano sekhadi lesikweletu - umqulu omude obandakanya imimiselo nemeko yekhadi lakho lesikweletu.
Isivumelwano sakho sekhadi lesikweletu sichaza iimpawu zeakhawunti yakho, njani kwaye uza kuhlawulwa njani kwikhadi lakho lesikwereti, zeziphi iintlawulo oza kuhlawulwa ngazo, kunye nendlela yokusingatha iingxabano kunye nomniki wekhadi lakho lesikweletu. Nangona kubonakala ngathi ixwebhu elide, elingenasidingo, ukufunda isivumelwano sakho sekhadi lesikweletu siya kukunika iinkcukacha malunga nekhadi lakho lesikweletu.
Ukusebenzisa iKhadi lakho leKhadi
Iakhawunti yakho yekhadi lesikweletu iye yabelwe umda wemali-mboleko - inani elikhulu ovunyelwe ukuyihlawulisa kwikhadi lakho lesikweletu. Unako ukwenza iindleko ukuya kumda wakho wesikweletu. Ngaphandle kokuba ungene ukungena kwi -intlawulo yeeyure, i-credit card yakho iya kunqunyulwa nayiphi na into ekuthengayo. Nangona ukhethe ukungena, umnikezeli wekhadi lakho lesikweletu uya kukuvumela ukuba uhlawule imali ethile edlulileyo.
Nangona unako ukuhlawulisa yonke indlela ukuya kumda wakho wesikweletu, akuyona indlela efanelekileyo yokusebenzisa ikhadi lakho lesikweletu. Ngomnye, umnikeli wakho wekhadi lokuthenga ngetyala unokubuyisela umlinganiselo wakho wekhredithi xa uqhuba ibhalansi yakho kungekudala. Ewe, nangona bekunikelwe umda wesikweletu, bacinga ukuba kuyingozi xa usebenzisa kakhulu. Unokuhlawulwa intlawulo okanye ube nenzala yakho yenzalo xa ukhupha umda wakho wemali. Ukusebenzisa umda wesikweletu sakho esikhulu kunemiphumo emibi kumanqaku akhokredithi - inombolo exelela ukuba unetyala elihle okanye elibi . Ngoko, kukulungele ukuhlawula imali encinci kuphela - njengama-10 ukuya ku-30%
Xa uthetha ukuthenga, i-credit card terminal iya kukhangela umniki-khadi wakho wekhadi ukwenzela ukuba uqiniseke ukuba ikhadi lakho lekredithi livumelekile kwaye uza kuba nekhredithi ekhoyo yokuthenga.
Xa ukuthengiselana kwakho kuvunyelwe, iirisithi yakho iya kuprinta. Uya kusayina irisidi kwaye uthathe ukuthenga kwakho ekhaya nawe.
Ukwenza Intlawulo yeKhadi leKhadi
Kwiiveki ezimbalwa emva kokuba ufumane ikhadi lakho lekhredithi, uya kufumana ibhasoli ngeposi. Isitatimenti sakho sokuhlawula siya kuchaza iindleko ozenzileyo kwi-akhawunti yakho kwaye ubhale inani elincinci elifunekayo kunye nomhla wakho wokuhlawula. Kufuneka ukhokhe ubuncinane inkokhelo encinci ngosuku olufunekayo okanye uza kuhlawuliswa umrhumo wexesha elifutshane. Ulahleke iintlawulo ezimbini ngokulandelelana kwaye inzala yakho yenzalo iza kunyuka kwizinga lesohlwayo . Ukuba ungeke uhlawule ibhalansi yakho nonke, ikhadi lakho lesikweletu liya kuhlawuliswa kwaye lithunyelwe kwi- arhente yokuqokelela .
Qinisekisa ukuba uthumele yakho intlawulo ngokukhawuleza ngaphambi kokuba umniki wekhadi lokuthenga ngetyala uyifumene phambi komhla ofunekayo. Umniki wekhadi lokuthenga ngetyala unokuhlawulisa umrhumo wexesha elide ukuya kwi-$ 35 ukuba intlawulo yakho ifunyenwe emva komhla ofunekayo nangona uthumela ngeposi ngaphambi komhla ofunekayo .
Abaninzi bamakhredithi bamakhadi bakhweti bakuvumela ukuba wenze iintlawulo ngefowuni nakwi-intanethi. Qaphela ukuba unokuhlawulwa intlawulo ngokuhlawula okukhawulezileyo okwenziwe ngomhla ofunekayo ukuphepha umrhumo wexesha elide.
Nangona uvumelekile ukuba wenze inkokhelo encinci , kungcono ukuhlawula ibhalansi yakho ngokugcwele ekupheleni kwenyanga. Ngaloo ndlela uyakuphepha ukuhlawula umdla kwi-akhawunti kwaye uzigcine uqokelela ityala lekhadi lesikweletu.