Iinkampani ezibonelela ngamakhadi okutsala imali angaphinde alayishwe athi imveliso yabo ikunika ukufikelela kwimali ngaphandle kwesidingo sokuveza iinkcukacha zakho. Nangona kunjalo, kuba yonke into esebhankini kunye nokuthengiselana ngeATM kulandelwa, akukho nto injengekhadi ledebhithi elingaziwa ngokupheleleyo.
Amakhadi okuthenga
Amakhadi angaziwayo aphethe iVisa, iMasterCard okanye enye ilogo yeziko elibolekisa ngetyala avumela abasebenzisi ukuba bathenge izinto kubathengisi okanye kwi-Intanethi kwaye banokuthi bakhuphe imali kwi-ATM. La makhadi athengiswa kakhulu kwivenkile ethengisa ukutya okanye ezivenkileni. Nangona kunjalo, la makhadi awanakulayishwa kwakhona, okwenza ukuba ahambelane namakhadi ezipho kunamakhadi etyala.
Amanqaku afanelekileyo- Iinkcukacha zobusela
- Ezona ndlela zibalaseleyo zokuDibanisa amatyala ekhadi letyala
- Iindlela ezintlanu zokufumana amanqaku amahle okuthenga ngetyala
Uninzi lwamakhadi etyala anokuphinda alayishwe-ngamanye amaxesha abizwa ngokuba ngamakhadi exabiso agciniweyo- asebenza ngokufana namakhadi emveli e-ATM. Bayakuvumela ukukhutshwa kwemali koomatshini ababamkelayo. Kuya kufuneka ufake inombolo yepini ukufikelela kwimali yakho. La makhadi awakuvumeli ukuba uthenge izinto kubathengisi okanye kwi-Intanethi, kwaye ke akafani namatyala angaziwayo okanye amakhadi ezipho.
Njengamanye amakhadi etyala, amakhadi angaziwayo akhutshwa ziibhanki. Nangona kunjalo, ibhanki ekhuphayo iqokelela ulwazi oluncinci kakhulu kwaye ayiwenzi itsheki. Ngokwesiqhelo, ibhanki inika inani kwiakhawunti yakho kwaye ikuthumele ikhadi lebhanki elibhalwe kuphela lelo nani. Ngokungafaniyo namakhadi etyala anikezelwe simahla ziibhanki kubathengi bawo, nangona kunjalo, kuya kufuneka uthenge la makhadi. Iindleko zamakhadi aphambili ziqala ukusuka kwi- $ 35.00 ukuya kwi- $ 1,000, kunye ne- $ 45.00 ukuya kwi- $ 1,000 kwikhadi ngalinye elongezelelweyo.
Unokuphinda ulayishe ikhadi lakho ngocingo, ngePayPal okanye ngokudlulisa ibhanki okanye ngokuthumela itsheki yecashier kwibhanki ekhuphayo. Ibhanki inokubeka ibhalansi ephezulu yamakhadi, enokuthi ibe phezulu njenge- $ 500,000, kunye nomda opheleleyo wokurhoxa mihla le, uhlala eyi- $ 1,000. Kukho ukhuseleko oluncinci kakhulu okanye akukho nxamnye nokusetyenziswa ngobuqhetseba. Amanye amakhadi akapheli ngelixa amanye ephela kwiminyaka emibini okanye emithathu.
Imfihlo yamakhadi okuTyala angaziwa
Ibango lebhanki lokuba ikhadi labo libonelela ngokungaziwa ngokupheleleyo liqhelekile. Xa uthenga ikhadi uninzi lwabakhupheli bafuna ukuba ubonelele ngegama lakho kwaye ngamanye amaxesha i-ID yesithombe. Ukongeza, ikhadi lakho lithunyelwa kuwe ngeposi. Oku kuthetha ukuba ibhanki ekhuphayo iyalazi igama lakho nedilesi, kwaye yenza ikhonkco phakathi kwedilesi yakho yokuthumela kunye nomboneleli.
Ukuphinda ulayishe ikhadi lakho ngogqithiso ngocingo kufuna ukuba uneakhawunti yebhanki yendawo. Oku kuthetha ukuba xa uhambisa imali ubeka unxibelelwano phakathi kweakhawunti yakho yasekhaya kunye nekhadi ledebhithi. Kuba ibhanki yakho inokuthi iqokelele ulwazi lwakho-kubandakanya inombolo yakho yoKhuseleko lweNtlalo- xa usungula iakhawunti yakho, kunokwenzeka ukunxibelelana nediphozithi kwikhadi lakho ledebhithi. Ngapha koko, ngenxa yokuba iindawo ezininzi ezibonelela ngetshekhi yecashier ifuna igama lakho, idilesi kunye nesazisi sefoto ngaphambi kokuba baprinte itsheki yakho, iitshekhi zekheshi zibonelela ngemfihlo encinci kakhulu.
Okokugqibela, yonke intengiselwano yeATM yenza irekhodi. Nokuba ikhadi alinalo igama lakho, iATM iyamanisa inombolo yeakhawunti yakho kunye nokurhoxa kwakho. Oku kuthetha ukuba iibhanki ezinxulumene neATM zinerekhodi yohlobo lwekhadi olisebenzisileyo kunye nenombolo yeakhawunti yakho.
Ulwazi olutyhiliweyo kuthengiselwano ngalunye luyahluka, kodwa, ukuba luxhunyiwe, kunokubangela igama lakho, idilesi kunye neakhawunti yebhanki yaziwe. Nangona kunjalo, la makhadi enza ukuba ulwazi lwakho lomntu siqu lube nzima ngakumbi ukufumana. Ke ngoko, nangona imfihlo yala makhadi ingekho phezulu njengoko ibango, zibonelela ngokhuseleko ngakumbi kunamakhadi emveli emali.
Izibonelelo ezinokubakho
Ukusetyenziswa kwenombolo ye-PIN kunye nokusikelwa umda kokufikelela kwiimali ezifakiweyo kuphela kwenza la makhadi akhuseleke ngakumbi kunokuthwala imali. Bayakuvumela ukuba wenze uhlahlo-lwabiwo mali ukuba wena okanye omnye umntu uchitha malini.
Amakhadi okutsala ngokungaziwayo nawo akunika ukhuseleko ngakumbi xa usiya phesheya. Xa isetyenziswa phesheya kolwandle, iimali ezihoxisiweyo zibonelelwa ngemali yelizwe. Oku kususa isidingo sokutshintshiselana ngemali okanye ukufumana iitsheki zabahambi, kwaye ikwavumela ukuba uphephe ukuhlawula inzala ephezulu yokurhoxisa inzala ehlawulwa ngamakhadi etyala.
Iziphene ezinokubakho
Eyona ngxaki inkulu ngamakhadi etyala angaziwa lixabiso kunye neentlobo zeentlawulo ezibizwa ngokukhupha iibhanki. Uninzi lweebhanki lubiza iifizi ngokufaka kunye nokukhupha imali, imibuzo eseleyo kunye nokutshintsha ikhadi lakho. Ezinye iibhanki zikuhlawulisa ngokungasebenzisi ikhadi lakho. Imirhumo isukela kwi- $ 1.00 ukuya kwi- $ 15.00. Xa zidityanisiwe, banokuyinciphisa kakhulu imali kwiakhawunti yakho.
Sebenzisa iKhadi lokuTsala elingaziwayo
Funda ngokugqibeleleyo ikhontrakthi ngaphambi kokuthenga okanye ukusebenzisa ikhadi elingaziwayo. Imirhumo ehlawulwa ngokukhupha iibhanki yokufikelela kwimali yakho inokugqitha isixa esincinci sabucala esongezelelekileyo abasibonelelayo.
