Ndenza ukususa njani ilungelo ikhadi ngetyala?

I-credit card yenye ithandwa kakhulu kwaye kwafunwa emva unikeza zebhanki. Ukuba kanye ngayo ithuba esisigxina yaye umda iseti, ungasebenzisa imali ebolekiweyo nangaliphi na ixesha. abaxhasi Uninzi lwawona maziko zemali ukongeza amakhadi lomvuzo baye ngetyala. Noko ke, kule meko imaxongo yezoqoqosho, uninzi kubaboleki bakhetha ukuba bashiye ukusetyenziswa kwale hlobo nkonzo, njengoko ukuqikelela bunzima kusenokwenzeka abakwazi ukuba akukho mntu, nditsho abahlalutyi zemali kakhulu abanezakhono.

Xa ikhadi lamatyala kunokuba luncedo?

imveliso bank olunjalo zinokuba luncedo kakhulu xa imfuneko esingenakubonwa kwangaphambili ukulungiswa okanye ukutshintshwa yunithi ayiphumelelanga zombane ekhaya enkulu. Kukho iimeko xa ikhadi lamatyala ahlawule zitshiphu kwikhadi debit eqhelekileyo. Ibanki ezininzi ezinkulu kunye namahlakani ayo kwenziwe iintlobo iinkqubo ukunyaniseka, abathatha inxaxheba apho abanini imveliso banelungelo lokufumana isaphulelo okanye keshbek. Kwaye ngenxa yokuba amakhadi amaninzi credit abe ukwelixesha loxolelo ukusetyenziswa kwazo ibe bubulumko.

Kodwa akubi njalo, ukusetyenziswa wokukhuthaza Ngoko luncedo ukuba umthengi. Emva koko waqalisa ukucinga ngendlela ukunikela ikhadi lamatyala. Iingcali Financial musa Siyaleza ukubhalisa ezi mveliso ezivenkileni xa uthenga izixhobo lwedijithali kunye nekhaya. Kwakhona, xa kunjalo akukho mfuneko isebenze kwaye usebenzise imali evela ikhadi lamatyala nakongenayo eposini, ingakumbi xa umxhasi akanayo nasiphi na isicelo sobhaliso yayo. Indlela inkunkuma ngokuchanekileyo imveliso inkunkuma nokuba ungakwenza oko ngaphandle kokuzenzakalisa igama lakho letyala?

Ndingakwazi ukuphuma ikhadi ngetyala?

Lahla ukusetyenziswa kwemveliso zebhanki kusoloko kusenzeka. Nangona kunjalo, indlela ukungaphumeleli ixhomekeke nokuba sele isetyenziswa ngaphambili, okanye ithunyelwe nje elunxwemeni ngeposi kwimvulophu ekhaya. Ukuba ikhadi sele yenziwe yasebenza, kwaye umnini kusetyenziswa imali waboleka, kuqala kwiinto zonke, umboleki kufuneka uthathe unonophelo wokubuyiswa yonke imali echithwa nenzala ukuba ukusetyenziswa. Ngamanye amazwi, ukuba ukuqinisekisa ukungabikho esikalini elibi.

Ngokusayina le imvumelwano kuyilo ikhadi, kubalulekile ukuqonda ukuba indlela enye okanye kwenye ibhanki iya kuhlawuliswa intlawulo, kungakhathaliseki nokuba ngaba umboleki usebenzisa okanye hayi. Ngokuqhelekileyo, le meko sicaciswa gca kule mvumelwano. Ngoko ke, ukuba kuvela umbuzo, indlela lokwala ikhadi lebhanki letyala, nokuba sele lisebenze, kuyimfuneko ukuba bazilungiselele ukuqaliswa sentlawulo ngeenkonzo zalo (ubukhulu kuxhomekeke kwindlela ixesha sele idlule ukususela wokutyikitywa kwesivumelwano).

Ngokuqhelekileyo, xa uqhagamshelane yebhanki ingxelo malunga nomnqweno uhlawule ityala kunye ukucima isivumelwano yegosa mboleko inkonzo ubuza imibuzo emininzi, ukuzama ukuqonda isizathu. Obolekayo akulindelekanga ukuba baphendule le miba kwaye ngoyaba nje. I-Bank unalo ilungelo lokwala ukuvala i-akhawunti kuphela ngenxa yokuba ubukho eseleyo ezimbi.

Indlela ukunika: wokuba makutsalwe le mali kubanini ikhadi lamatyala

Ukwala inkonzo engaphezulu kwaye nokusebenzisa ikhredithi khadi, kuyimfuneko ukuba ukuvala i-akhawunti yakho, nto leyo Bayifaka. Iplastiki - yinto nje njengendlela yokusebenzisa, ngoko ukuba i-akhawunti ivaliwe, kwaye ikhadi ibhuqiwe, oko akuthethi ukuphela kwabo bonke "amabali".

• Kuzakufunaka uvele wena buqu kwisebe yamaziko zebhanki, ethe yakhutshelwa imvumelwano ukuvelisa imveliso credit (card) kunye yokundwendwela.
• Ngaphandle kwifom ukugqiba isicelo wokuvala akhawunti yekhadi.
• Ukuba ityala lo mboleki iphunyezwe ngokupheleleyo, isivumelwano siya kuvalwa. Kubaluleke kakhulu ukuba abone ukuba umqeshwa eneneni watshabalalisa ikhadi. Kufuneka wenze oko phambi komntu lowo. Kwakhona kubalulekile ukuba ucele uxwebhu esiqinisekisa ukuba ukungabikho kwetyala kwi-akhawunti kunye uxwebhu ukuvala i-akhawunti yakho.

lokuvala inkqubo, njengoko umthetho, zonke iibhanki ziyafana. Noko ke, ukuvala ingxelo kumbutho ngamnye kuthatha ngamaxesha ahlukeneyo. Kwi-avareji, inkqubo kuthatha iintsuku eziliqela ngeveki.

Ukukhupha ikhadi lamatyala: ukwala njani?

Enyanisweni, ukuba awanyanzele umthengi ukuba asayine isivumelwano semali-mboleko akukho amalungelo phantsi Bank of mthetho yangoku. Kodwa ke kaninzi ngaphezu efanayo iimveliso zebhanki iyibeke iindlela ngakuntsonkotha. Kuyo nayiphi na imeko, ukuba ikhadi ithunyelwe ekhaya, okanye rhoqo iithowuni kunye neengcali asinike, kunokwenzeka ukuba inyanzelise yokususwa data zabo ukusuka kwisiseko sabathengi.

Ingxaki njani ukuba ikhadi lebhanki letyala, kukho kuphela ukuba ngaba loo mntu akawunqandi yena baza basayina isivumelwano inkonzo. Amaxesha amaninzi kwezi mveliso ezongezelelweyo kuyanyanzeleka ukuba ukwamkela abathengi abasondela up ezinye indlu izixhobo yedijithali okanye phantsi sivumelwano semali-mboleko okanye intlawulo ngezavenge e hypermarkets ezinkulu, apho abameli egcina imali zisebenze. Ngaba ndiya uphume ngecredit card, kule meko? Kakade ke, le mfuneko mthethweni. Amaxesha amaninzi, amagosa mboleko bazise ukuba umthengi ukuba uyilo ikhadi - kuyimfuneko. Nangona izixhobo umba ngezavenge kunokwenzeka ngaphandle kwayo.

Ndenza ukususa njani ikhadi non-activated ngetyala?

Cinga ngemeko jikelele: ebhankini uthumele ikhadi lokuthenga ngetyala le leta iqhotyoshelweyo, nto leyo ichaza zonke iimeko yokusetyenziswa kwayo. Noko ke, umamkeli ugqibe ukusebenzisa le mveliso. Kubonakala ukuba unactivated ikhadi lamatyala. Indlela ukuba ayinike phezulu, ukuba siqhubeka siphe- iingxaki? Kulo mzekelo, akunako ukuya ibhanki kwaye ukubhala naziphi na iingxelo. Action credit card kuqala kuphela xa isebenza ukusetyenziswa ngakumbi. Ukuze uphephe isilingo, kucetyiswa bonqanyulwa nje iplastiki bazilahlele. akufunwa Ukuqalisa inkqubo esesikweni.

Ukwala ukuba anciphise

Ezinye kubaboleki, ebhekisela ebhankini kunye nomnqweno ukunciphisa okanye ukuphelisa kumda kwi ikhadi lakho letyala, ukuba yaliwe ukwenza lo msebenzi kunye ingcaciso ukuba umsebenzi onjalo akunakwenzeka ukuba sifeze. Enyanisweni akunjalo. Kodwa ke ukunika indlela up umda kwi ikhadi lakho letyala? Inyathelo lokuqala ukuba uqhagamshelane ne-ofisi ze ubhale isicelo efanelekileyo. Nangona kunjalo, kubalulekile ukukhumbula ukuba ngaphambili kufuneka ngentlawulelo ityala, kuba ukuba akhawunti kwasekwa ukulingana elibi, ibhange zonke izizathu zokwala.

Phambi kokuba unike up ikhadi lamatyala, kubalulekile ukuqonda ukuba xa kukho umnqweno ukuthatha kwakhona thuba le mveliso, ibhanki angacuthwa kuphela elo nani lincinane umboleki okanye ukwala ukukhulula oko. Ngokufuthi, kunqandwa ukusetyenziswa kwalo naluphi amakhadi kuwabhuqa nobudlelwano umboleki kunye endodeni. Kodwa banikwa imeko yangoku kwimarike zemali, kwakunye nenani kwaye unika iibhanki, ngenkankulu umntu ngembali entle ngetyala akayi kuba nako ukukhupha imveliso xa abadinga kuyo.