Umniki wekhadi lekhredithi ngumbhanki okanye umanyano weentengo zemali owanika ngamakhadi ekredithi. Umnikezeli wekhadi lekhredithi wenza umda wemali-mboleko ufumaneke kubanikazi bamakhadi kwaye uxanduva lokuthumela iintlawulo kubathengisi ukuthengwa okwenziwe ngamakhadi-mboleko ukusuka kuloo bhanki. Abathumeli bekhadi lokuthenga ngamatyala aphezulu base-US baquka i-Chase, i-Bank of America, i-American Express, i-Wells Fargo, i-US Bank, i-Citi, i-Discover, ne-Capital One.
I-Card Card Isuers Issue Cards Cards
Abaniki bamakhadi bamakhadi bahlobo lomboleki.
Abathumeli bekhadi bamkela umyinge othile weengozi xa bevuma abafake izicelo zekhadi zekhredithi kwaye banweba umda weekhredithi. Abaniki bamakhadi bekhadi bavavanya isicelo ngasinye kwaye babeka imimiselo yamakhadi-mboleko ngokusekelwe kwingxelo yemboleko yeebhenti. Amanye amakhadi anokufumana umvuzo okanye ezinye izikhuthazo zokukhohlisa abathengi ukuba babhalisele amakhadi-mboleko.
Abaniki bamakhadi eemboleko kufuneka balandele imimiselo karhulumente ukukhupha amakhadi-mboleko. Bamele basebenze kunye neenethiwekhi zokucwangcisa iintlawulo ezibanceda ukulungiselela ukuthengiswa kwekhadi lesikweletu. Ininzi yolwazi lomninimzi ochaphazelekayo udluliselwa kwinkqubo yesicelo kunye nabaniki bamakhadi bamakhadi kufuneka babe neziseko zokusingatha inani leentengiselwano kwaye bagcine ulwazi lukhuselekile kubagxeki.
Ukukhutshwa kweKhadi leMatyala Yenza imali
Amakhadi ekwereta ayingxenye ye-dollar yezigidigidi zeedola. Ngaphandle kwemithetho ka-2009 eyawunciphisa iirhafu ezithile kunye nomdla wokuba ama-issuers card card ahlawulise, amakhadi ekwereta aqhubekeka ukubonelela ngemali eninzi yemali ebhanki.
Mhlawumbi ngokucacileyo, abakhishi bekhadi lesikweletu benza imali kwiimirhumo kunye nomdla ohlawulwe kubaphathi bamakhadi. Naliphi na xa uphethe ibhalansi kwikhadi lakho lesikweletu, uhlawula umdla kwi-card issuer. Amanye amakhadi ekhredithi afika ngemali yonyaka . Ukuba uthe wabuya emva kwentlawulo, uya kuhlawula umrhumo wexesha elifutshane. Ukuba usebenzisa ikhadi lakho ukuze udlulisele ibhalansi, uya kuhlawula loo ntlawulo.
Kukho ezinye iindleko zeemali zakho zekhadi zekredenti ngokusekelwe kwindlela oyisebenzisa ngayo ikhadi lakho lesikweletu.
Abaniki bamakhadi ngekhadi bahlawula intlawulo kubarhwebi. Njalo xa uswayipha ikhadi lakho, umrhwebi kufuneka akhokhe intlawulo phakathi kwe-1% kunye no-3% ngokusekelwe kwintengiso kunye nohlobo lwekhadi oyisebenzisayo. Abaninzi bamakhredithi bamakhadi kufuneka bahlukanise umrhumo kunye nenethiwekhi yokucwangcisa intlawulo (ngaphezulu kwendima yabo engezantsi).
Ekugqibeleni, abanye abakhupha amakhadi ekhredithi benza imali ngokuthengisa izinto ezongezelelweyo kunye neenkonzo kubanini bamakhadi. Ngokomzekelo, umniki wakho wekhadi unokumisela ukukhuselwa kwekhredithi okanye iinkonzo zokujonga ngetyala. Ezi zongezelelweyo zinika ingeniso eyongezelelweyo yabaniki bekhadi lesikweletu.
Ngubani Umthengi Wakho Wekhadi?
Khangela phambili kwekhadi lakho lesikweletu. Ngokuqhelekileyo umniki wekhadi lokuthenga ngetyala ngumbhanki ogama lakhe liprintwe phezulu kwekhadi. Ngamakhadi e-credit label yangasese, igama lomkhupheli wekhadi lesikweletu linyatheliswa emva kwekhadi lesikweletu ngokuprintwa okuncinci.
Kubalulekile ukwazi umniki wekhadi lakho lesikweletu ukuze ukwazi ukuba ngubani ozakubiza ukuba unenkathazo ngekhadi lakho, ukukhwabanisa kwi-akhawunti yakho, okanye ufuna ukubuza imibuzo malunga ne-akhawunti yakho.
AbaKhupheli beKhadi leMali-mboleko kunye neeNethwekhi zokuTyala
Abaniki bamakhadi ngekhredithi abakwazi ukukhupha amakhadi enkoleko ngokwabo, bafuna uncedo lweenethiwekhi zokucwangcisa iintlawulo ezifana neVisa ne-MasterCard.
Nangona kunjalo, i-American Express kunye nokufumanisa ukusebenza njengabaniki bekhadi lesikweletu kunye nenethiwekhi yokucwangcisa inkokhelo yamakhadi abo. Iintanethi zokucoca iintlawulo zigunyaze kwaye zicwangcise ukuthengiselana, zibeke imigaqo yokuthengiselana, kwaye zincede ukuququzelela iintlawulo phakathi kwabathengisi, abakhupha amakhadi abemboleko kunye nabanini bamakhadi.