Yiyiphi indlela omele ukuyisebenzisela ukuhlawula irente yakho
Ukuhlawula imoto yerenti inokuyenza rhoqo ngekhredithi okanye kwikhadi le-debit, nangona kukho inani lezinto ezichaphazela ukuba indlela enye yokuhlawula ibhetele kunomnye.
Imigaqo-nkqubo yeenqwelo zeenqwelo zemoto ngokuphathelele iindlela zokuhlawula, idipozithi, kunye nokugcinwa kwemali zihluka ngokubanzi, zombini yinkampani kunye ne-ofisi yemoto yokuqeshisa. Ngenkampani efanayo yokuqashisa imoto, iiofisi ezimbini zokuqeshisa zendawo zingenayo imigaqo-nkqubo eyahlukileyo kwi-card credit acceptance, deposits, ihlala kumakhadi-mboleko kunye nemigaqo-nkqubo yokubeka.
Xa ugcina imoto yokuqashisa, hlaziya isivumelwano sakho sendawo yokuqeshisa, indawo enikezela ngayo inkampani yakho yokuqashisa imoto ikuvumela ukuba uyibone xa ubhala imoto yakho yokuqashisa. Esi sivumelwano siza kukuxelela ukuba unakho ukuhlawula ngekhadi lebityala. Ukuba awukwazi ukujonga isivumelwano sakho, fowuna i-ofisi yakho yemoto yokuqeshisa, nokuba ingaba kwelinye ilizwe, kwaye ubuze malunga neendlela zokuhlawula ukubhuka kwakho.
Ngokuqhelekileyo, ukuhlawula ngekhadi lesikweletu kukukhetha kangcono kuba akudingeki unike inkampani yemoto yokuqasha ukufikelela ngqo kwi-akhawunti yakho yasebhanki. Ukongezelela, unokuphikisana neentlawulo ngekhampani yakho yekhadi lesikweletu ukuba uhlawuliswa ngephutha, kwaye awuyi kuhlolwa ngetyala, enokuchaphazela ukulinganiswa kwekhredithi yakho.
Ukuhlawula ngeCredit Debit
Ukuba urenta ngaphakathi eUnited States, kukho imiba emininzi enokuvela xa ufuna ukusebenzisa ikhadi lokubambisa ukugcina nokuhlawula imoto yakho yokuqeshisa .
Iinkampani ezininzi zeenqwelo zokuqashisa zase-US zamkela amakhadi enkcitho ukuhlawula xa ubuyisela imoto, kodwa ifuna ukuba unikele ngolwazi lwekhadi lesikweletu xa uthabatha isithuthi sakho sokuqashisa. Ngokufanayo, iiofisi ezininzi zeenqwelo zokurhweba zaseCanada aziyi kukuvumela ukuba uthabathe isithuthi sakho sokuqeshisa usebenzisa ikhadi le-debit. Uya kufuneka uvumele i-ejenti yemoto yokuqeshisa ukuba uswayiphe ikhadi lakho lekredit xa usayina isivumelwano sokuqeshisa.
Ezi nkampani zenkampani eziqashisayo ezikuvumela ukuba uthabathe imoto yakho usebenzisa ikhadi lomdaka ngokuqhelekileyo zizakuvumela ukuba usebenzise ikhadi lakho lokubambisa ukuqinisekisa ukuqeshisa kwakho ukuba uyadlulisa i-credit card criteria. Oku kuthetha ukuba inkampani yokuqashisa imoto iya kukhangela i-credit credit check on you, mhlawumbi nge-Equifax, ngaphambi kokugqiba isivumelwano soqeshiso.
Ukuba inkampani yakho yokuqashisa imoto ikuvumela ukuba uthathe imoto yakho usebenzisa ikhadi lakho lokubambisa, i-ejenti yokuqeshisa iya kubamba imali kwi-akhawunti yasebhanki ebophelelwe kwikharithi yebhanki yexabiso elilingana neerhafu eziqingqiweyo kunye nedipozithi, ngokuqhelekileyo i-$ 200 ukuya $ 300. Inani lediphozithi lihluka ngendawo, kodwa idiphozithi yakho iya kubuyiselwa kwi-akhawunti yakho yasebhanki emva kokuba ulahle imoto yakho yokuqeshisa.
Ukuba ubuyisela imoto yakho yokuqeshisa emva kwexesha okanye kwimeko ewonakalisiweyo, isivumelwano sakho esisayinwe sinika inkampani yokuqashisa imoto ilungelo lokurhoxisa imali kwi-akhawunti yakho yasebhanki ukukhawuleza ukuhlawulwa kwemali okanye ukulungiswa komonakalo.
Ukuhlawula ngeCredit Credit
Ukuba uceba ukugcina kunye nokuhlawula isithuthi sakho sokuqeshisa ngekhadi lesikweletu, kukho nemibandela embalwa. Akunakudingi ukuba unikezele ngolwazi lwekhadi lesikweletu xa ugcina imoto yakho yokuqeshisa, kodwa uya kufuna ukubonisa ikhadi lakho lesikweletu kunye ne-ID ye-photo kwi-ejenti yokuqeshisa xa uthabatha isithuthi.
I-arhente iya kuthungela ikhadi lakho phambi kokuba usayine isivumelwano.
Iiofisi ezininzi zeenqwelo-moya zokuqashisa zibeka i-card yakho yekhredithi xa uthabatha imoto yakho yokuqeshisa. Ngokuqhelekileyo, eli nani lilingana neerhafu eziqingqiweyo zokuqeshisa kunye nomlinganiselo omkhulu wexabiso elingu-dollar okanye ipesenti-ngokuqhelekileyo ukuya kuma-15 kuya ku-25 ekhulwini-ehlawulwayo irente. Ngoko ke, ukuba iindleko zakho zokuqeshisa imoto ziyi-$ 100, i-card yakho yekhredithi iya kuba yi-$ 100 kunye kunye ne-deposit amount (i-$ 200 iyinombolo yokuqala yokuqala) okanye i-$ 15 ukuya kwi-20 engama-20, nawuphi na omkhulu. Kulo mzekelo, ibamba lakho lekhadi lokuthenga ngetyala liya kuba ngu-$ 300.
Xa ubuyisela imoto yakho, ibinki iya kususwa kwaye ikhadi lakho lekhredithi liya kuhlawuliswa kuphela kwisixa esicwangcisiweyo. Ukuba imoto inobungozi okanye ibuyiselwe emva komhla wokugqibela, uya kubhekana neentlawulo ezongezelelweyo .
Ezinye iindawo zokuqeshisa aziyi kwamkela i-VISA kunye ne-MasterCard amakhadi. Ukuba uceba ukuhlawula imoto yakho yokuqeshisa ngekhadi elihlawulwe ngaphambili, biza i-ofisi yemoto yokuqeshisa ngaphambi kokuba wenze ukubhuka kwakho ukuze ufumane ukuba iya kwamkelwa.