Ikhulu leminyaka yezobuchwepheshe obuphambili kunye neenkqubo zebhanki zehlabathi ezide zinexesha elide linikezela abathengi balo ezininzi iinkonzo ezahlukeneyo kunye neemephu. Kulo luhlu lulula kwaye ludideka, kodwa ke ezinye zezinto ezisiseko zifanele zaziwe. Phendula ngokuqinisekileyo umbuzo, yintoni ikariti yebhanki, inokuqikelela iifom.
Iyiphi ikariti yebhanki yebhanki?
Ikhadi lokubhadela lebhanki elikuvumela ukuba wenze iintlawulo ezahlukeneyo kunye nokuthengwa kwebhanki ngaphakathi kwesixa-mali kwi-akhawunti yakhe - yintoni enye i-card debit. Ubunqwenelekayo kukuba umsebenzisi usebenzisa imali yakhe kuphela. Unokuqala ikhadi elinjalo kwiminyaka elishumi elinesine. Oku akudingi isatifikethi semali engenayo kunye namanye amaxwebhu afanayo.
Uthini umahluko phakathi kwekhadi yedebhu kunye nekhadi lesikweletu?
Akukho zibonakaliso zangaphandle zohluko kwaye zonke iibhanki zamabhanki zikhangeleka ngokufanayo. Zomibini iintlobo zezixhobo zokuhlawula. Ukwahlula phakathi kwekhadi yedata kunye nekhadi lesikweletu:
- ukuvumela ukuba usebenzise kuphela iindlela zakho;
- iibhanki zihlala zibonelela ngenkonzo yokubala inzala kwibhalansi ethile ekupheleni kwenyanga kwikhadi lokubambisa.
Iyintoni ikhadi lokudada? Ikhadi lesikweletu liqulethe imali ye-bhanki, apho umthengi unelungelo lokusebenzisa kwiimeko ezithile, uze uzibuyisele ekhadini, uhlawule umdla wokusebenzisa imali yesikweletu. Kwakhona, kumigca yemboleko, imida imiselwe ukuhoxisa imali. Kwikhadi lokudityaniswa, akukho mida enjalo.
Uthini umahluko phakathi kwekhadi yedebhu kunye nekhadi le-overdraft?
Kukho uhlobo lwekhadi, njengekhadi lokudityaniswa ne- overdraft . Ngethuba xa iimali zakho zifumaneke ukuba zisetyenziswe kwikhadi lokubhadela, ikhadi eline-overdraft likuvumela ukuba uthathe imali yemboleko. Awudingi nto eyongezelelweyo. Imali ebolekwe ngemali ethile (le ngongoma ixutyushwa ngexesha lokubhalisa) kwaye kunjalo kunjalo kwikhadi.
Iingeniso kunye nokungalunganga kwamakhadi okutsalwa
Amakhadi okuhlawula aqheleke kakhulu kuneekhadi lamatyala. Phakathi kwamashishini ndifuna ukuphawula ukuba ukuhoxiswa kwemali kuthetha ipesenteji. Ukuba usebenzisa imali ye-overdraft, ke inani lesenzalo liya kuba phezulu. Iinkonzo zekhadi lokubambisa:
- iindawo zokuhlala ezingenasiphelo nakwephi na isitolo;
- ukuhlawulwa kweenkonzo ngeenkonzo ze-Intanethi okanye kwii-terminals zasebhanki;
- Akufuneki ukuba uthwale isikhwama esikhulu, unokuthi uthathe "isiqwenga" esincinci seplastiki;
- indlela ephephile yokugcina imali.
Kukho nethuba lokuqhuba imisebenzi yebhanki ngaphandle kokushiya ikhaya, ukwenza utshintsho lwemali. Izicelo zebhanki zefowuni - akukho mfuneko yokuma kwaye ucinge ukuba imali kangakanani ekhadini, unokwenza uhamba kunye kunye neSMS kunye nenani lemali elithengekayo ekhadini. Ilungelo lokusebenzisa i-overdraft lithetha ukuba akudingeki ukuba wenze imali mboleko eyongezelelweyo.
Iintlobo zamakhadi okutsalwa
Ingundoqo ephambili kwi-akhawunti yebhanki yikhadi lomdaka. Xa ubala ikhadi elinjalo lokuhlawula kwiivenkile ezizodwa, ufumana ibhonasi, ongayisebenzisa emva kokuthenga. Ngendlela elula, lelo khadi lithuba lokwenene lokuphepha ingxaki enkulu kwixesha langoku lokuphila, ngenxa yoko, akumele uhlale kwimigca kwaye unento yokubonisa umntu.
Iintlobo zamakhadi okuhlawula ibhanki.
- Amakhadi e-debit eyenziwe alungiselelwe ngokukhawuleza.
- Umgangatho - njengombandela, unikwa kwinqanaba leeprojekthi zemirholo yemibutho eyahlukeneyo.
- Ikhompyuter inekhomishini encinci ekugcinweni.
- Intle: injongo yabo kukuthenga i-intanethi, baneendleko zokugcina eziphantsi.
- U dlelane.
- IGolide inokukhutshwa njengomvuzo, inceda ukugcina imali eninzi.
- I-Platinum - kubaxhasi beVIP, umsebenzisi ufumana ubuninzi benkonzo.
Ndiyisebenzisa njani ikhadi lokudada?
Amanye amakhadi okuhlawula anomsebenzi onjenge-accrual interest in the balance of cash. Kulula ukumisela umsebenzi wokubala imali kwibhanki ye-piggy xa uthenga okanye xa ufaka imali kwi-akhawunti, isixa esithile ngokukhawuleza siya kuso. Indlela yokuzalisa ikhadi lokubambisa - ngokusebenzisa ukuphela kwebhanki ehambelanayo.
- Faka ikhadi lokukhokha kumfundi wekhadi.
- Ukudayela ikhowudi yakho yePIN.
- Khetha kwisikrini ukhetho lokuzalisa ikhadi ngokubonakala okanye ngenani.
- Yenza imali. Akufanele wenze amanqaku amaninzi ngaphezu kwesigxina angamkela okwangoku.
Ukuba akukho makhadi kunye nawe, ukhetha ukhetho olufanayo kwiskrini njengoko kumhlathi owedlule, ukudayela inombolo yakho yeakhadi yekhadi, ungene kwisixa olifunayo ukuzalisa, nokwenza imali. Ungakwazi ukudlulisa imali ngokukhawuleza ukusuka kwelinye ikhadi ukuya kwelinye, usebenzisa ulawulo lwe-intanethi yeakhawunti yakho. Oku kukuxhamla kwekhadi lokukhwabanisa.
Ndivala njani ikhadi lokutsalwa kwemali?
Amakhadi ebhanki kufuneka avalwe ngokufanelekileyo. Inkqubo ihlelwe ngendlela yokuba nangona umhla wokuphelelwa yisikhathi uphele, umbutho unokuqhubeka nokubonelela ngeenkonzo ezihlawulwe kwaye ngenxa yoko, umntu uba ngumboleki. Ndiyakusula njani ikhadi lokudityaniswa?
- Ukufaka isicelo kwisiko lebhanki ngesicelo sokuvala i-akhawunti.
- Ibhanki kufuneka ikhuphe isatifiketi echaza ukuba i-akhawunti ivalwe.
- Ukuba utshintshe ingqondo yakho malunga nokuqala ikhadi, inketho elula kukuba ungayifumani. Ngokomthetho, abasebenzi bagcina amakhadi agcinwe kwiinyanga eziliqela kunye nezikhonkwane, aze abatshabalalise.
Kuthetha ntoni ikhadi lomdaka? Uhlobo lwenkokhelo olunika inani leenzuzo. Nangona kunjalo, kufuneka ufunde ngokucophelela ngeemeko zemibutho yeebhanki ngokukhupha nokuvala nayiphi na amakhadi. Ngokuqhelekileyo, kulula ukufumana ikhadi, kodwa ukuvala i-akhawunti kamva ngaphandle kweengxaki kwamanye amaziko kunengxaki. Ukufunda ngenyameko isivumelwano kunye nokubona oko ungasayineli, ukuze ungagqiba kwimeko engathandekiyo.