Iisiseko zeTyekhi ezibuyiselwe
Iitshekhi ezibuyiselweyo zihlola ukuba ibhanki yecandelo lokukhangela liyala. Kukho izizathu ezinokubakho zokuhlola, eziquka:
- Akukho mali eyaneleyo kwi-akhawunti ( imali enganeleyo ).
- Inkokhelo yokuyeka yafakwa kwisheke.
- Isheke lidala kakhulu ukuba lihloniphe.
- Isheke bekubhalwe ngendlela engafanelekanga.
Iingheke ezibuyiselweyo zininzi nakakhulu kunanini ngaphambili: Ibhanki kunye neenkqubo zoshishino zihlolisisa ngekhompyutha, kwaye nabathengi banokufaka iifowuni ngeefowuni zabo . Eyasebenza kwixesha elidlulileyo (ukubhala isheke ngelixa i-akhawunti yakho iphantsi kwiimali) isenokusebenza kwakhona.
Kunzima kakhulu ukutshekisha amasheke kunye nethemba lokuba imali iza kufakwa kwi-akhawunti yakho phambi kokuba ikhonkco ifakwe. Namhlanje, nangona ubhala isheke kwiphepha, kukho ithuba lokuba isheke liya guqulwa kwisheke kwikhompyutheni yokukhangela kwaye imali iza kuphuma khawunti yakho ngokukhawuleza.
Oko Unokukwenza Ukuba Uwamkele I-Check Check
Ukuba ufumene ithenkethi ebuyisiwe njengomrhwebi, unokuzibuza ukuba ungayenza ntoni ngabantu abhala ukuhlola okubi .
- Mane ucele: Kubaqala, unokuzama ukuqokelela imali. Zama ukuqhagamshelana nombhali wokutshekisha kwaye ucele ukuba benze kakuhle kwinkokhelo-mhlawumbi bekuyimpazamo ethembekileyo, kwaye banokuba neenjongo zokukuhlawula. Esi sizathu esinye sikulungele ukuqinisekisa ukuba ukuhlola rhoqo kubonisa inombolo yefowuni yangoku.
- Uhambo oluya kwisebe: Unokutyelela isebe lebhanki isheke likhangela (khangela igama lebhanki ebhekiswe kukukhangela ) kwaye uzame ukuyifaka. Imali oyifunayo (ukuba ikhona) iya kuba sebhankini (kungekhona ibhanki yakho, eya kuzisa isheke ngosuku okanye ezimbini emva kokuba uyibeke khona). Xa u tyelela ebhankini ngomntu, unokukwazi ukuphepha ukuhlawula iifowuni zokukhangela zokubeka iireki ezibi kwibhanki yakho. Njengoko ngoku uyazi, nguwe odibeneyo (ngaphandle kwephutha lakho siqu) xa umthengi isheke libuyiselwe. Ngokuqinisekileyo, unento engcono yokwenza kunye nexesha lakho, kodwa oku kungakho okukhethwa kukho.
- Ixesha elifanelekileyo: Ukuba unethamsanqa, uya kubhankini emva nje kokuba umlobi wekhenkethi ubeke imali. Ukuqala okanye ukuphela kwenyanga kunokuba yinto elungileyo yokuzama nokuqokelela ukuba umntu uhlawulwe ngediphozithi ngqo . Unokuzama ukuzigcina uhambo ngokubiza ibhanki kwaye ucele ukuqinisekisa iifowuni kwisheke . Nangona kunjalo, iibhanki azihlali zikulungele ukuqinisekisa imali ngenxa yokukhathazeka kwangasese.
- Amanyathelo alandelayo: Ukuba umlobi wokukhangela akayi kwenza kakuhle kwi-check back, kufuneka uthabathe amanyathelo angaphezulu. Ngokomzekelo, unokufaka ifowuni kummeli wokukhangela, kwaye unokuthumela i-akhawunti kwi- ejensi yokuqokelela (nangona zombini ezo zinto zihlawulwa kuphela kwiireki ezinkulu).
- Yazi umyalelo: Iphondo ngalinye linemithetho eyahlukileyo malunga nendlela yokusingatha ukuhlola okubuyile, izigwebo kunye nemida yeedola. Qhagamshelana nebhanki yakho okanye iofisi yeeNkundla zeNkundla yeeSithili ukuze uthole imiyalelo malunga nendlela yokujongana nayo nayiphi na into ebuyayo.
Ukuthintela iingxaki
Ungakuphepha njani ukujongana nokuhlolwa okubuyile? Indlela yokuphela yomsindo ukuyeka ukuvuma ukuhlolwa. Ekubeni oko kunokukukhupha ngaphandle kweshishini, into elandelayo efanelekileyo kukunciphisa amathuba okuthatha isheke somrubha. Iimbono ezimbalwa zingezantsi:
- Khangela inkonzo yokuqinisekisa ingcaciso ekunokukunceda ukuba ubone abaxhasi abanembali yokubheka ukuhlola okungalunganga (funda njani Ukujonga Umsebenzi Wobungqina Bokuqinisekisa ).
- Qhagamshelana nebhanki lomthengi ukuqinisekisa iimali ngaphambi kokuba wamkele isheke kwaye uvumele umthengi ukuba ahambe kunye nempahla.
- Ukuguqula ukuhlola kwii-elektroniki zokuhlola okanye ukuzityha ngokukhawuleza kunye nesistim sakho esiselula (ukuba kunokwenzeka).
- Ukuhlawula umrhumo kumakhasimende ukuphazamisa ukuhlolwa kwee-bounced kunye nokuhlawula ixesha lakho (qiniseka ukuba intlawulo ibonakaliswe ngokufanelekileyo kwindawo yokuthengisa kwaye iyahambelana nayo yonke imithetho).
- Khuthaza ezinye iintlobo zokuhlawula. Inokuba yindleko ( kwaye inobungozi ) ukwamukela iintlawulo zekhadi, kodwa ukuba uphuma phambili, kuyafaneleka.
Iingxaki Ngokubhala Iimvavanyo ezimbi
Ukuba ubhala amasheke ekugqibeleni abuyele, uzibeka kwiinkathazo . Ezimbalwa zeengxaki oza kuhlangana nazo zi:
- Uya kugqiba ukuhlawula ezininzi kwiimirhumo (zombini kwibhanki kunye nakubani na osibhala isheke).
- Ibhanki yakho inokuvala i-akhawunti yakho, kwaye ezinye iibhanki zinokukunqanda njengomthengi.
- Unokuzifumana emanzini ashushu, kuba ukubhalwa kakubi kungekho mthethweni.
- Ikhredithi yakho iya kugcina ihlupheke , yenza kube nzima kuwe ukuboleka imali (okanye ufumane umsebenzi okanye inshuwalense) ngolunye usuku.
- Uya kugqitywa kwiinkcukacha ezisetyenziswe ngamabhanki kunye nabathengisi, okwenza kube nzima ukuvula ii-akhawunti kwaye ubhale ukuhlola kwixesha elizayo.