Uyifumana njani imali kwikhadi letyala? Xa ufuna imali engxamisekileyo okanye ukuhlawula amatyala, buza ukuba kunokwenzeka na ukurhoxisa kwikhadi lakho letyala . Iinkampani ezininzi ze Amakhadi etyala i vumela ukufumana imali kwikhadi lakho ngokusebenzisa imali kwangaphambili .
Ngelixa oko kunokuba lula kwipinki, inkqubela phambili yemali nayo inayo Ezinye iingxaki Yintoni ekufuneka ithathelwe ingqalelo. Ngaphambi kokuba usebenzise ikhadi lakho letyala ukufumana imali, kubalulekile ukulinganisa i-pros and cons.
- Iinkampani ezininzi zamakhadi etyala zikuvumela ukuba urhoxise imali kwikhadi lakho ngokusebenzisa imali kwangaphambili.
- Kuxhomekeke ekhadini, ungatsala imali ngokufaka kwiakhawunti yebhanki, usebenzisa ikhadi lakho kwi-ATM, okanye ubhale itsheki elula.
- Ukuqhubela phambili kwemali kunokuba nereyithi ye- inzala ephezulu yonyaka ukuthengwa okanye ukuhanjiswa kwemali eseleyo, kwaye inzala iqala ukwanda kwangoko. Kananjalo bahlala behlawuliswa.
Uyifumana njani imali kwiATM ngekhadi letyala?
Ngaba usacinga ngokuthatha kwangaphambili? Sincoma kakhulu okwahlukileyo, kwaye ikamva lakho liya kubulela kuwe ukuba awwenzi njalo. Kodwa ukuba uyenzile ingqondo yakho, siza kuhamba kwinqanaba ngalinye lenkqubo engezantsi.
- Cinga ngezinye iindlela: Ndizibeka emngciphekweni wokuvakala ndiphindaphindeka, inkqubela phambili yezemali ayiyongcamango entle. Olunye ukhetho lubandakanya amakhadi etyala nge-0% yokuthenga i-APR kunye ne-APR ephantsi yemali mboleko.
- Jonga ukuba uqiniseke ukuba ikhadi lakho livumela inkqubela phambili yemali: jonga imigqaliselo yekhadi lakho, jonga kwideshibhodi yakho ekwi-intanethi okanye ingxelo malunga nemali ehlawulwa kwangaphambili, okanye fowunela inombolo yomnxeba ngasemva kwikhadi lakho letyala ukufumanisa.
- Jonga umda wakho wangaphambili wemali: qiniseka ukuba uyazi ukuba ingakanani imali onokuyikhupha usebenzisa imali engaphambili. Ngokwesiqhelo ungayibona le ngxelo okanye ungatsalela umnxeba emva kwekhadi lakho. Kunokubakho umda wemihla ngemihla wenkcitho kwangaphambili.
- Fumana okanye usete i-PIN yakho: isenokuba ize nekhadi lakho xa wawuyifumana ngeposi. Ngaphandle koko, kuya kufuneka uyicele kumnikezeli wekhadi letyala ngokungena kwiakhawunti yakho yekhadi letyala kwi-intanethi okanye ngokutsalela inombolo yefowuni ngasemva kwekhadi lakho. Kungathabatha iintsuku zomsebenzi eziyi 7-10 ukuseta iPIN.
- Qonda imigaqo kunye nemirhumo yenkxaso mali ekhadini lakho: Ukuqhubela phambili ngemali kunokubiza, kungoko kungcono ukuba wazi kwangaphambili ukuba ungaphakathi.
- Cinga ngesicwangciso sakho sokuhlawula: Bala ukuba uza kuhlawula nini inkqubela phambili kwaye wenze izibalo ukuze ubone ukuba yimalini imali eyongezelelweyo oza kuyihlawula kwimali oyifumanayo.
- Fumana kwangaphambili imali: Ukuba uthathe isigqibo sokuqhubeka nayo (ungatsho ukuba asizami ukukuqinisekisa ngenye indlela!), Fumana iATM, faka ikhadi lakho, kwaye ufake iPIN yakho xa ushukunyiswa. Endaweni yokukhetha ukuKhangela okanye ukuGcina njengoko ubuqhele ukwenza ngenkxaso mali, kuya kufuneka ukwazi ukukhetha enye indlela, enje ngeCash Advance okanye iKhadi letyala. Khumbula ukuba ungabizwa intlawulo yokusebenzisa i-ATM (ukongeza kwimali ebekiweyo yokudlulisa) ukuba ukwi-network eyahlukileyo kuneyakho yezemali.
- Bhatala kwangaphambili imali ngokukhawuleza: uzakuqala ukonyusa inzala kwangoko, ke ukuba awuqali ukwenza intlawulo yamakhadi ngoko nangoko, ityala lakho linokuvela ngaphandle kolawulo.
Isebenza njani iKhadi letyala kwiNtengo yeMali
Ngokwesiqhelo, amakhadi etyala asetyenziselwa ukuthenga. Umzekelo, usebenzisa ikhadi kwirejista yemali okanye ufake inombolo yekhadi kunye nomhla wokuphelelwa ukuthenga izinto kwi-intanethi. Njengoko uthenga, ikhredithi yakho ekhoyo iyancitshiswa yiloo mali de uhlawule ityala lekhadi letyala.
Ukuhambela phambili kwemali eyimali yekhadi letyala kusebenza ngokwahlukileyo. Ukuba ikhadi lakho liyalivumela (kwaye ayinguye wonke umntu olivumelayo), unokuba nomda wokuthenga ngetyala kunye nomnye umda wokuqhubela phambili kwemali, ephantsi ngokubanzi kunomda wokuthenga. Xa uthatha imali kwangaphambili, uboleka imali ngokuchasene nomda wekhredithi.
Ukongeza, inkqubela phambili yemali iqala ukonyusa inzala kwangoko, ngokungafaniyo nokuthenga, apho uhlala unethuba leentsuku ezingama-20 ukuya ku-30 ukuhlawula iakhawunti yakho ngaphambi kokuba inzala iqale ukwanda.
Zininzi iindlela zokuthatha imali kwangaphambili, kubandakanya:
- Cela ukuba imali idluliselwe kwikhadi lakho letyala kwiakhawunti yakho yebhanki
- Ukurhoxisa imali kwiATM
- Bhala itshekhi efanelekileyo uze uyifake ebhankini
Kuya kufuneka ukwazi ukufumana umda wakho wangaphambili wemali ngokujonga esona sitetimenti samakhadi etyala. Ukuba awuyiboni, ungatsalela umnxeba inkampani yakho yekhadi letyala ukubuza ukuba ngaba inkqubela phambili yemali lukhetho kwikhadi lakho kwaye, ukuba kunjalo, uthini umda wakho.
Yimalini ukurhola imali kwikhadi letyala?
Ukuhambela phambili kwemali akukho simahla. Kukho iindleko ezininzi ekufuneka ziqwalaselwe xa uthatha enye.
Okokuqala, kukho umrhumo wenkcitho kwangaphambili
Le yimali ehlawuliswa yinkampani yekhadi letyala ngenjongo yokurhoxisa imali ngokuthelekisa umda wakho wangaphambili wemali. Ingaba yimali ehlawulwayo, njenge- $ 5 ukuya kwi-10 yeedola, okanye ipesenti yemali engaphambili, nokuba yeyiphi na enkulu. Isixa siyahluka kwikhadi nekhadi.
Unako nokuhlawula iimali ezongezelelweyo ukuba uthatha imali kwikhadi letyala kwi-ATM okanye kwisebe lebhanki. Intlawulo eyongezelelweyo yeATM inokusebenza, okanye kungafuneka uhlawule umrhumo weATM ukulungiselela oku lula .
Okwesibini, iAPR
Inxalenye yesibini yeendleko zokuhamba kwemali kwangaphambili yipesenti yonyaka. Kwiimeko ezininzi, APR Inkqubela phambili yemali iphezulu kune-APR yesiqhelo yokuthenga okanye yokuhambisa imali. Kwaye, njengoko kuchaziwe apha ngasentla, umdla uqala ukuqokelela kwangoko.
Kubalulekile ukugcina engqondweni ukuba ujonge indlela enexabiso eliphantsi yokufikelela kwimali. Xa kuthelekiswa nemali mboleko yomntu yexeshana elifutshane, umzekelo, ukuhanjiswa kwemali kwangaphambili kungaphelela kwinqanaba lenzala ephezulu kakhulu.
Ngaba ikhadi lam letyala liza kusebenza kwiATM?
Phantse onke amakhadi etyala akuvumela ukuba uboleke imali ngokufumana imali, nangona kunjalo, mhlawumbi ayingombono mhle . Emva kwayo yonke loo nto, iifizi kunye nexabiso lenzala ephezulu yindlela entle yokuba abo bakhupha imali benze, njengoko ubona kulo mzekelo.
Jonga isivumelwano somnini wekhadi esize nekhadi lakho ukuze uqiniseke. Ukuba ubona ifayile ye- APR ye imali kwangaphambili kunye nenye imali engaphambili , emva koko unokufumana kwangaphambili imali kunye nelo khadi. Inokujonga into enje:
Jonga ingxelo yakho yekhadi letyala. Ukuba ubona enye umgca wekhredithi we imali kwangaphambili okanye umyinge wemali ehlawulwa kwangaphambili , lelo lelona xabiso liphezulu lemali onokulithatha. Kubalulekile ukuba uyazi ukuba imalunga nantoni ukuze ungazami ukurhoxa kakhulu. Umda wekhredithi wenkqubela phambili yekheshi uhlala ungaphantsi komda wekhadi lakho lokuthenga rhoqo.
Ukuba awunayo imimiselo yekhadi lakho letyala okanye isitetimenti siphathwayo, ungatsalela umnxeba kwinombolo yomva kwikhadi lakho ukubuza ukuba ngaba iakhawunti yakho iyakuvumela na ukuqhubela phambili kwemali kunye nomda wakho wekhredithi.
Ngaphandle koko, ukuba nje unekhredithi eyaneleyo efumanekayo, ekuphela kwento enokukuthintela ekubeni ukwazi ukufikelela kwikheshi ekuhambeni ukuba awuyazi iPIN yakho yekhadi letyala.
Usenokuba uyifumene i-PIN xa uqala ukufumana ikhadi lakho elitsha lekhredithi ngeposi, okanye unokuba nokukhetha ukwenza i-PIN yakho yesiko kwi-Intanethi okanye kwifowuni.
Ukuba ikhadi lakho lekhredithi libonisa ukusebenza kwe-chip kunye ne-PIN (ii-chip kunye ne-PIN amakhadi azikho e-United States, kodwa zixhaphake kakhulu eYurophu), unokukwazi ukusebenzisa iPIN efanayo onokuyisebenzisa xa uthenga, nangona iPIN inokwahluka. Nxibelelana nomnikezeli ngeenkcukacha ezithe kratya.
Ukuba awuqinisekanga ngokupheleleyo ngemeko yakho yePIN, akukho sidingo sokukhathazeka. Kuxhomekeka kumnikezeli wekhadi, unokukwazi ukungena kwi-portal yakho ye-intanethi okanye usetyenziso lweselfowuni ukwenza iPIN, ucele iPIN entsha, okanye ujonge / ucele iPIN yakho yangoku. Gcina nje ukhumbula ukuba ukufikelela kwangoko kwi-PIN yakho akunakwenzeka ngezizathu zokhuseleko.
Ngenye indlela, unokuhlala ufowunela inombolo yefowuni yenkonzo yabathengi ngasemva kwekhadi lakho letyala ukuze ufumane uncedo.
Awufuni ubunzima ukuze ufumane iPIN yakho? Ungayifumana imali kwangaphambili ngokundwendwela ibhanki ehambelana nomniki wekhadi lakho letyala (nangona ukubakho kwale nkonzo kuxhomekeke kumnikezeli). Uya kudinga ukubonisa umphathi-mali ikhadi lakho kunye nesazisi esisemthethweni esikhutshwe ngurhulumente.
Izizathu zokuba inkcitho yenkxaso mali ingumbono ombi
- Imirhumo yentengiselwano ephezulu kwinkxaso mali: nganye Ngokwesiqhelo kuya kufuneka uhlawule umrhumo ngokuxhomekeke kwisixa semali obolekisiweyo. Imigaqo kwisivumelwano sekhadi lakho lesikweletu ngokubanzi ithi into efana ne- $ 10 okanye i-5% yemali yenkcitho nganye, nokuba yeyiphi na enkulu. Oko kuthetha ukuba uya kuhlawuliswa umrhumo othe tyaba we- $ 10 xa uboleka ukuya kuthi ga kwi-200 yeedola, okanye i-5% yemali obolekayo ukuba ungaphezulu kwe-200 yeedola.
- Akukho xesha lobabalo: Xa uthenga uninzi lwamakhadi etyala, inkampani yekhadi letyala ayizukuqala ukutshaja inzala kwangoko. Ukukhutshwa kwemali kwikhadi letyala kwahlukile. Xa uboleka imali kwinkampani yekhadi lakho letyala, ngoko nangoko baqala ukukuhlawulisa inzala, ke iintlawulo zezemali zongeza ngokukhawuleza.
- Inzala ephezulu: Nangona ingekho phezulu njengezinye iindlela, ezinje ngemalimboleko yomhla wokuhlawula, iipesenti zonyaka zepesenti (i-APR) kwimali ezihlawulwa ngokufuthi iphakame kakhulu kunokuthengwa okuqhelekileyo kwekhadi letyala. Malunga neepesenti ezingama-25 ayiqhelekanga. Khumbula, akukho xesha lobabalo. Emva koko uya kuqala ukubiza inzala ngeli nqanaba liphezulu ngokungaqhelekanga.
- Uphawu olubi kubabolekisi: Ukuba inkampani yakho yamakhadi etyala ibona ukuba usebenzisa inkqubela phambili yemali, iimodeli zabo zomngcipheko zinokuphawula njengomntu obolekayo onobungozi. Kungenxa yokuba bayazi ukuba abantu basebenzisa inkqubela phambili yemali xa benxunguphele. Ukuba bakubona njengomngcipheko, usenokungabinakho ukufumana imigca ephezulu yekhredithi okanye imigaqo elungileyo naleyo bhanki kwixa elizayo. Banokusebenzisa inzala ephezulu kwimali eseleyo kwixa elizayo, okanye bavale iakhawunti yakho.
- Ukusetyenziswa okuncitshisiweyo kwekhredithi: Imali yakho eseleyo eseleyo yongeza kwityala lakho lekhadi letyala. Eli tyala libonakala kwiingxelo zakho zetyala. Ngokubanzi, kokukhona ityala lakho lekhadi letyala lithelekiswa nekhredithi yakho iyonke efumanekayo, asezantsi amanqaku akho etyala. Ukuba sele unayo ibhalansi ephezulu kumakhadi akho etyala xa kuthelekiswa nemida yakho yamatyala, inkqubela phambili yemali inokuba nefuthe elibi kumanqaku akho etyala.
Iphepha elichazayo ukuba awusenanto oyifunayo: Eli linqaku elinolwazi.
I-Redargentina ayiniki ngcebiso zomthetho okanye zomthetho, kwaye ayenzelwanga ukuba ithathwe njengengcebiso yezomthetho.
Umbukeli / umsebenzisi weli phepha lewebhu kufuneka asebenzise olu lwazi lungentla kuphela njengesikhokelo, kwaye kufuneka asoloko eqhakamshelana nemithombo engentla okanye abameli bakarhulumente bomsebenzisi kolona lwazi luhlaziyiweyo ngelo xesha, ngaphambi kokwenza isigqibo.
Iziqulatho
- Uyifumana njani imali kwiATM ngekhadi letyala?
- Isebenza njani iKhadi letyala kwiNtengo yeMali
- Zininzi iindlela zokuthatha imali kwangaphambili, kubandakanya:
- Yimalini ukurhola imali kwikhadi letyala?
- Okokuqala, kukho umrhumo wenkcitho kwangaphambili
- Okwesibini, iAPR
- Ngaba ikhadi lam letyala liza kusebenza kwiATM?
- Izizathu zokuba inkcitho yenkxaso mali ingumbono ombi
- Ungasifaka njani isicelo sekhadi letyala leWalmart
- Imali mboleko yeeSpanics eMelika
- Uyifumana njani ilayisensi yokunyamekela abantu abadala? - Konke apha
- Urenta njani indlu ngaphandle kwetyala eMelika?
- Ndifuna imali engakanani ukuthenga indlu?
- Ukuba andilisebenzisi ikhadi lam lebhanki, ngaba ndiza kuhlawuliswa?