Amakhadi a matyala aphezulu kakhulu kwiluhlu lwezinto ozithiya ukuzilahleka, kwindawo ethile phakathi kwezingane zakho kunye neenqwelo zemoto. Ikhadi lekhredithi elahlekileyo okanye elibiweyo linokubangela umonakalo omkhulu, ingakumbi ukuba unomlinganiselo ophezulu wokuthenga ngetyala okanye ubuninzi beetyala okanye zombini. Ngenxa yokuba into yokugqibela oyifunayo yonakalisa ikhredithi yakho kwisandla somnye, kubalulekile ukuba uyazi ukuba wenzeni xa ikhadi lakho lekhredithi lilahlekile okanye libiwe.
Ukwenza ngokukhawuleza kubalulekile.
Ukubika iKhadi lakho lokuTyala elilahlekileyo okanye elibiweyo
Into yokuqala omele uyenze yichaza ikhadi lakho lekredithi elingekhoyo kumniki-khadi. Musa ukulinda; yenza ifowuni ngokukhawuleza ukuba uqaphela ikhadi lakho.
Ngokuqhelekileyo uza kufumana inombolo yakho yomthengi wekhadi lesikweletu emva kwekhadi lakho lesikweletu. Ewe, loo nto ayikhethi ukuba ikhadi lakho lesikweletu alikhoyo. Endaweni yoko, Unokufumana inombolo yefowuni yomthengi wekhadi lakho kwikhophi yesitatimende sakho sekhadi lesikweletu . Okanye, ukuba unako ukufikelela kwi-intanethi kwikhadi lakho lesikweletu, unokukwazi ukusebenzisa lewebhusayithi ukuchaza ikhadi lakho lesikweletu. Qinisekisa ukuba usebenzisa iwebhusayithi yakho yewebhusayithi yomthengi kwaye awuyiyo indawo yokukhohlisa.
Xa udibana nomthengi wakho, kufuneka ube nolwazi olulandelayo:
- Inombolo yakho ye-akhawunti (umboleki wakho angakhangela i-akhawunti yakho usebenzisa inombolo yakho yokhuseleko loluntu ukuba unayo)
- ngomhla ophawula ngayo ikhadi lakho lalahleka
- umhla kunye nemali yokuthenga kwakho kokugqibela, ukuba uyazi
Emva kokuba uqhagamshelane nomnikeli wekhadi ngefowuni, kunokunceda ukulandelelana neleta echaza ukuba ikhadi lakho lekhredithi lahleka okanye libiwe kwaye libandakanya inombolo ye-akhawunti, umhla wokulahlekelwa okanye ukweba, umhla wokuqala ukulahlekelwa, kunye nokugqibela okuthengisiweyo.
Le leta iya kubonisa ubungqina bokuthi ulahlekelwa yilahleko kunye nexesha leengxelo kufuneka ukuba loo nto ihlale ibuza.
Ukujongana neerhafu ezingagunyaziswanga
Xa ukuthengiswa kweenkohliso kuyenziwe kwikhadi lakho lesikweletu, uMthetho weeNkcazo zokuTyala (FCBA) ukhusela wena. Ngaphantsi komthetho we-federal, ukuba iintlawulo ezingagunyaziswanga zenziwe ngekhadi lakho lesikweletu, inani eliphezulu onokuhlawulwa li-$ 50. Ukuba izityholo zenziwe emva kokuba ubike ikhadi elilahlekileyo okanye libiwe, awunaso uxanduva. Nangona kunjalo, ukuba iintlawulo zenziwe ngaphambi kokuba ubike ingxelo, i-mboleko yakho ingakucela ukuba uhlawule ufike kwi-$ 50. Yingakho kubalulekile ukubika ikhadi lakho lekredithi elingekhoyo ngokukhawuleza.
Abaninzi bamakhredithi abakhredithi bekhredithi banenzuzo yokukhusela uxanduva lokukhusela inkohlakalo ekugqithiseni uxanduva lwakho nakweyiphi na inkunkuma yamatyala ngelixa ikhadi libiwe lilahlekile ngexesha elithile. Buza umboleki wakho ukuba inzuzo leyo isebenza kwiakhawunti yakho.
Ukuphonononga isitatimenti sakho sokubakho kwiinyanga ezimbalwa nangona emva kokulahleka ukuba ubambe nayiphi na ityala elingagunyaziswanga elenziwe ngekhadi lakho lesikweletu. Ukuba ubona naziphi na iintlawulo ongazange uzenze, zixelele kumboleki wakho ngokukhawuleza.
Ukuthintela Ukulahleka Kwexesha Elizayo
Kukho izinto ezimbalwa ongayenza ukukhusela ikhadi lakho lesikweletu ekulahlekeni okanye ekubiwe kwixesha elizayo:
- Yazi apho amakhadi akho ekwereta ahlala khona. Yithatha amakhadi eemboleko oza kuyimfuneko uze ushiye abanye ekhaya ekhaya elikhuselekileyo. Hlola rhoqo ukuze uqinisekise ukuba unako onke amakhadi akho ekwereta.
- Beka amakhadi akho ekwerethi kwisikhwama okanye esikhwameni kunokuba ungene ngqo ephaketheni lakho apho kulula ukuba baphume.
- Qinisekisa ukuba amakhadi akho afanelana ngokukhawuleza ngaphakathi kwintlanzi yekhredithi yakho. Ukuba izitshixo zikhululekile okanye zigugile, qwa lasela ukuthenga i-wallet ekhutshweyo entsha, eya kubamba amakhadi akho ekhredithi ngokukhuselekileyo.
- Ukuba amakhadi akho ekwereta aphakathi kwesikhwama okanye isikhwama, soloko uvalekile kwaye usondele kuwe. I-FBI yakuba yatshutshisa isela elakhwa ngaphantsi kweendawo zesikhenkethi se-movie ukuze zitshintshe amakhadi-mboleko kwikhonkco yabasetyhini.
- Yakha uluhlu loqhagamshelwano olubandakanya igama kunye nenani labo bonke abakhupha amakhadi akho. Gcina uluhlu kwindawo ekhuselekileyo ukuze ufikeleleke ngokukhawuleza abakhupheli bekhadi lakho ukuba ikhadi lekhredithi lilahlekile okanye libiwe kwixesha elizayo. Awunayo ukuba ubhale amanani akhokhadi ekhadi-khredithi kwiluhlu - kwaye mhlawumbi unokuphepha ukuba ungabhalisi inombolo epheleleyo kwoluhlu - ekubeni umniki-khadi wakho unokufumana i-akhawunti yakho usebenzisa enye i-akhawunti yakho.