Yintoni ikhadi lemali. ikhono layo

Kude kube kamva nje, iintlawulo non-cash zifumaneka kuphela kwimibutho ukwenza imicimbi enjalo nge-akhawunti zebhanki. Kodwa ke ubomi yinxalenye ikhadi zeplastiki, esalinikwayo abemi ilungelo ukuba baphathe imali yaye kwangaxeshanye kuthenga ngokukhululekileyo iimpahla ukuhlawulela iinkonzo.

Ke kaloku kukho iintlobo ezimbini of amakhadi ebhanki: credit lemali. Apha siye sizame ukucacisa into ikhadi debit.

Kakuhle eli ikhadi debit

Imbonakalo kunzima kakhulu ukuqonda ukuba yintoni umsebenzi yabelwa kuphela intendana zeplastiki. Ulwazi livalelwe kwigumbi card kunye neekhowudi ezizodwa, ukucazulula yayo ngenxa avareji nzima kakhulu umsebenzisi. Ke ngoko - le nkqubo kuyafana njengesiqhelo. Amaninzi VISA okanye Mastercard plus zonke logo ebhankini, nto leyo iye ekhutshwe.

Ukuze uqonde ukuba ikhadi debit kulula, ukuba cinga uhlobo isipaji elektroniki, yona efumana imali evela kwimithombo eyahlukeneyo. Ngaphezu koko, inzala yokusetyenziswa imali yeziko yezimali akayi imali. Ezinye iibhanki baye bazama ukutsala abasebenzisi abatsha, ngokwenza iimaphu sedipozithi, kodwa ke iye yasilela ekubeni ukwanda enkulu lo mkhuba - babenengxaki software.

Yiyiphi imisebenzi enokwenziwa encediswa

Ezinye kwikhadi debit inika iimpawu ezifanayo-akhawunti yangoku abantu zomthetho. Masiqalise nesibakala sokuba ngexesha uyilo senziwe ikhadi lekhredithi, uvula i-akhawunti. Wena ke lenze la manyathelo alandelayo:

- ukubeka imali kwi-akhawunti yekhadi;

- ukususa ngaphakathi kumda ngemihla, kumiselwa iBhanki;

- ukwenza non-cash kuhlawulwe iimpahla kwakunye neevenkile exhotyiswe POS-ezinjengeetheminali;

- pay iinkonzo imibutho eyahlukeneyo (eziluncedo, njalo njalo.) Ukususela ezinjengeetheminali ezisisigxina;

- ukwenza iintlawulo non-cash yeempahla kunye neenkonzo kwi-intanethi;

- ukufumana iingxelo lwemisebenzi kunye neentsalela njalo njalo.

Ngaphezu koko, lo mbuzo oko ikhadi debit, achazwa kukhula kunye noosomashishini ngamnye. sele Abasemagunyeni yerhafu ingqalelo ingqalelo imfuno bafunwa nokubhalisa akhawunti ikhadi yabo kohlolo. Yaye ke noko ukuba ibe engqongqo.

Kunjalo, inkoliso ikhadi debit Savings Bank esetyenziselwa yemali lula. Ngoko ke, inkoliso ukufumana ikhadi enjalo ukufumana imali evela kubaqeshi. Iinkampani ezininzi jikelele upasisiwe yokuhlawulwa kwemivuzo yomsebenzi ngokuthi kudluliselwe ikhadi. Yaye ngenxa yoko, bakholisa ukusebenzisa amakhadi debit Sberbank. Ngapha koko, eli ziko yinethiwekhi ATM ixhaphakileyo.

Iimpawu amakhadi

I-debit amakhadi iintlobo abasebenzisi umdla kukuba lo mnikazi phantse akukho amatyala kwiibhanki. Kanye ngonyaka, iindleko yesondlo ngokuzenzekelayo kutsalwa kwi-akhawunti - kuphelele apho. Ummi ukuze azizalise ikomkhulu labo kuphela ngendlela efanelekileyo. Okubangel 'umdla kukuba, ngokohlobo credit angeke uguqulelwe - kuyimfuneko ukugqiba isivumelwano eyahlukileyo.

ikhadi debit kungaba kude kulawulwa nge iinkonzo on-line kunye nonxibelelwano mobile. Imali, Kakade ke, oku akusebenzi, kodwa ukwenza iintlawulo okanye ukufumana iinkcukacha kwi-iintshukumo-akhawunti - lula.

Ekuqaleni, lo ikhadi ikharensi kumiselwa isivumelwano, kodwa inokujikwa, ukuba kuyimfuneko, nto leyo ibaluleke kakhulu kwamanye amazwe. Ekuphela ingxaki - uthumo eliphezulu kutshintshiselwano. Noko ke, ukususela inkcitho engaphezulu iya kusihlangula ngamnye ezihonjiswe debit card kunye lwemali oyifunayo. Lidla kuza abahambi akwa.

Siyathemba ukuba nako ukukuchazela into ikhadi lemali. Umbono jikelele - oku sisixhobo intlawulo elula kakhulu luncedo. Eyona nto ibalulekileyo - akubikho iingxaki ezinxulumene nemali.