Iminyaka eyikhulu yobuchwepheshe obuphambili kanye nesistimu yebhange yezwe eyasungulwa isikhathi eside inikeze amakhasimende ayo izinsizakalo eziningi namamephu ahlukahlukene. Kulezi zihlukahlukene kulula futhi kudideka, kodwa ezinye zezinto eziyisisekelo kufanele zaziwe. Phendule ngokuqondile umbuzo, yini ikhadi lokukhishwa ngamakhadi, lingathola iziqu ze-nuances.
Iyini ikhadi lebhange lebhange?
Ikhadi lokukhokha lebhange elikuvumela ukuba wenze ukukhokhelwa okuhlukahlukene nokukhokhwa kwebhange ngaphakathi kwezimali ezise-akhawunti yayo - yilokho okusho ukuthi ikhadi lesikweletu. Ukuqaphela kwayo ukuthi umsebenzisi usebenzisa imali yakhe kuphela. Ungaqala ikhadi elinjalo eneminyaka eyi-14. Lokhu akudingi isitifiketi semali engenayo kanye neminye imibhalo efanayo.
Uyini umehluko phakathi kwekhadi lesikweletu kanye nekhadi lesikweletu?
Azikho izimpawu zangaphandle zohlobo futhi wonke amakhadi asebhange abukeka acishe afane. Zombili izinhlobo kuyisitsha sokukhokha. Umehluko phakathi kwekhadi lesikweletu kanye nekhadi lesikweletu:
- ukuvumela ukuthi usebenzise kuphela izindlela zakho;
- ngokuvamile amabhange anikezela ngenkonzo yokubala inzalo ebhalansi elithile ekupheleni kwenyanga ekhadini lokukhishwa kwemali.
Iyini ikhadi lesikweletu? Ikhadi lesikweletu liqukethe izimali zenhlangano ebhange, okuyinto iklayenti inelungelo lokuyisebenzisa ezimweni ezithile, bese uyibeka emuva ekhadini, kuphela ukukhokha inzalo yokusebenzisa imali yesikweletu. Futhi, kumigqa yemalimboleko, imingcele isethelwe ukuhoxisa ukheshi. Kukhadi lesikweletu, ayikho imingcele enjalo.
Uyini umehluko phakathi kwekhadi lesikweletu kanye nekhadi le-overdraft?
Kukhona uhlobo lwekhadi, njengekhadi lokukhishwa nge- overdraft . Okwamanje lapho izimali zakho zitholakala khona ukuze kusetshenziswe ekhadini lokukhokha, ikhadi elinokukhishwa ngokweqile likuvumela ukuthi uthathe izimali zemali mboleko. Awudingi lutho olungeziwe. Izimali ezibolekiwe ngenani elithile (leli phuzu lixoxwe ngesikhathi sokubhalisa) ngakho-ke kukhadi.
Izinzuzo nezinkinga zamakhadi we-debit
Amakhadi okukhokha avame kakhulu kunamakhadi esikweletu. Phakathi kwamaminithi ngingathanda ukuphawula ukuthi ukuhoxiswa kwemali kusho iphesenti. Uma usebenzisa imali ye-overdraft, izinga lesithakazelo lizophakama. Izinzuzo zekhadi lesikweletu:
- ukuhlala okungenamkhawulo kunoma yisiphi isitolo;
- ukukhokhelwa kwezinsizakalo ngokusebenzisa izinsiza ze-inthanethi noma iziphephelo zasebhange;
- Akudingeki ukuthi uthwale isikhwama esikhulu, ungakwazi nje ukuthatha "ucezu" omncane wepulasitiki;
- indlela ephephile yokugcina imali.
Kukhona futhi amathuba okuqhuba imisebenzi yasebhange ngaphandle kokushiya ekhaya, ukushintshanisa izimali. Izinhlelo zebhange zamaselula - asikho isidingo sokuma futhi ucabange ukuthi ungakanani imali ekhadini, ungenza izinyathelo ezimbalwa bese ufika nge-SMS ngemali engabizi kakhulu ekhadini. Ilungelo lokusebenzisa i-overdraft lisho ukuthi awudingi ukwenza imali eyengeziwe.
Izinhlobo zamakhadi webhange
Isihluthulelo esiyinhloko ku-akhawunti yasebhange ikhadi lokudonswa. Uma ubala ikhadi elinjalo lokukhokha ezitolo ezikhethekile, uthola amabhonasi, ongayisebenzisa futhi ngemva kokuthenga. Ngamazwi alula, ikhadi elinjalo liyiqiniso langempela lokugwema izinkinga eziningi ezingeni lesimanje lempilo, ngoba ngenxa yalokho, akudingeki ume emigqeni futhi ube nokuthile okuzofakazela omunye umuntu.
Izinhlobo zamakhadi okukhokha ebhange.
- Amakhadi we-debit ayenziwe akhishwa ngokushesha.
- I-standard - njengombuso, inikezwe ohlelweni lwemisebenzi yezinkokhelo zezinhlangano ezihlukahlukene.
- I-elekhthronikhi inekhomishini encane yokugcinwa.
- I-Virtual: inhloso yabo ukuthenga inthanethi, banezindleko zokugcina eziphansi.
- Ukubambisana.
- Igolide lingakhishwa njengeholo, kusiza ukulondoloza imali eningi.
- I-Platinum - yamaklayenti e-VIP, umsebenzisi uthola ubuningi bezinsizakalo.
Ngisebenzisa kanjani ikhadi lesikweletu?
Amanye amakhadi okukhokha anomsebenzi onjengoba inani lezithakazelo kubhalansi. Kulula ukusetha umsebenzi wokubala izimali ebhange lase piggy uma uthenga noma uma ufaka izimali ku-akhawunti, inani elithile ngokushesha liya kulo. Indlela yokugcwalisa ikhadi lesikweletu - ngokusebenzisa ukugcina kwebhange elihambelanayo.
- Faka ikhadi lokukhokha kumfundi wekhadi.
- Shayela ikhodi yakho ye-PIN.
- Khetha esikrinini inketho yokugcwalisa ikhadi ngobukhona noma ngenombolo.
- Yenza imali. Awufanele wenze amanothi amaningi kunokuba lesi sikhungo singamamukela okwamanje.
Uma kungekho amakhadi anakho, ukhetha okufanayo esikrinini njengasendabeni yangaphambilini, ukudayela inombolo yakho ye-akhawunti yekhadi, ukungena inani olidingayo ukugcwalisa, nokwenza imali. Ungadlulisa kalula imali kusuka kwelinye ikhadi ukuya kwelinye, usebenzisa ukulawulwa kwe-inthanethi kwe-akhawunti yakho. Lokhu kunenzuzo yekhadi lesikweletu.
Ngifika kanjani ikhadi lokudonswa?
Amakhadi ebhange kufanele avaliwe kahle. Uhlelo luhlelwe ngendlela yokuthi ngisho noma usuku lokuphelelwa yisikhathi luphelile, inhlangano ingaqhubeka nokuhlinzeka ngezinsizakalo ezikhokhelwayo futhi ngenxa yalokho, umuntu uba yiboleki. Ngikhansela kanjani ikhadi lesikweletu?
- Ukufaka isicelo esikhungweni sasebhange ngesicelo sokuvala i-akhawunti.
- Ibhange kumele linikeze isitifikedi sokuthi i-akhawunti ivaliwe.
- Uma ushintsha ingqondo yakho ngokuqala ikhadi, inketho elula akufanele ukuyithathe. Ngokomthetho, abasebenzi bagcina amakhadi alondoloziwe izinyanga ezimbalwa ngezikhonkwane, bese bewabhubhisa.
Kusho ukuthini ikhadi lesikweletu? Uhlobo lwesikhwama esinikeza izinzuzo eziningana. Kodwa-ke, udinga ukuziqonda ngokucophelela ngemibandela yezinhlangano zebhange ngokukhipha nokuvala noma yimaphi amakhadi. Ngokuvamile, kulula ukuthola ikhadi, kodwa ukuvala i-akhawunti kamuva ngaphandle kwezinkinga kwezinye izikhungo kuyinkinga. Funda ngokucophelela inkontileka futhi ubone ukuthi yini oyisayine, ukuze ungapheli esimweni esingathandeki.