Ikhadi lokuTyala liLwelo oluPhambili
Amakhadi okukhwabanisa kulula ukusebenzisa kwaye athathe, iiflawulo zichongiwe, kwaye kulula ukucima enye ukuba ilahlekile okanye ibiwe ngoxa uphesheya. Ngezo zizathu zodwa, kubalulekile ukuhamba, kwaye ndihamba kunye nam (kwaye akukho namakhadi-krediti) iminyaka emithandathu kwaye ubale. Makhe singene kwiinkcukacha zezizathu zokuba ndikholelwa ukuba yiyona ndlela ebalulekileyo yokuhamba.
Yiyiphi iKhadi lokuTyala?
Ikhadi lokukhwabanisa lihluke kwikhadi lekhredithi apho ikhadi lokubambisa liboshwe ngqo kwiakhawunti yakho yokukhangela.
Isixa semali ongayichitha, ngoko ke, silinganiselwe kwimali enayo ebhankini yakho.
IKhadi lokuTyala liSebenza njani?
Xa usebenzisa ikhadi lokubambisa, umthengi uhlawula (uhoxisa) inani lemali yokuthengiswa kwiakhawunti yakho yokujonga, ngokuqhelekileyo ngosuku olufanayo. Ungasebenzisa ikhadi lokukhwabanisa ukuze ufumane imali kwiimveliso ze-ATM okanye ugijime njengekhadi lesikweletu kwiivenkile okanye kwiivenkile. Ngenxa yokuba unokuchitha imali enayo kwi-akhawunti yakho, akukho mfuneko yokuba uhlawule ibhilikhi ekupheleni kwenyanga nganye.
Indlela yokudala ibhajethi yokuhamba ngeCredit Debit
Ngokwemvelo, awukwazi ukuthembela kwikhadi lakho lokubambisa kuzo zonke iintengiso zakho zamazwe ngamazwe - cinga ukukhwabanisa nomthengisi wesitalato kwimimandla yasemaphandleni yaseNepal , ukufumana ixabiso elifanelekileyo, uze uzame ukuwanika iplastiki! Kwamazwe amaninzi aphuhlisayo, uya kufumana ngokukhawuleza ukuba imali isengokumkani, ngakumbi ukuthengiswa kwexabiso eliphantsi.
Ihostele ezikude kunye neendawo ezininzi zokutyela kumazwe asathuthukayo aziwamkeli amakhadi esikwereti (oko kukuthi i-debit card ibonwa njani kwiindawo ezininzi), ngoko kuya kufuneka uqinisekise ukuba uhlala uphethe imali ngokukongeza kwikhadi lakho lokubambisa. Kwamanye amazwe athuthukile, njengeJapan, ulindele ukuba uhlawule ngemali yonke into ukusuka kwindawo yokuhlala ukuya ekudleni.
Nantsi indlela ndihamba ngayo: Ndihlala ndifumana ikhadi lam debit kum, kodwa ndine-stash yemali kunye. Ngokuqhelekileyo ndiza ku-ATM kweli lizwe elitsha ndize ndihoxise ngokukhawuleza xa ndifika - ngokuqhelekileyo malunga ne-$ 200-300. Ndithwala ikheshi kunye nekhadi lokubambisa kwaye ndisebenzise nayiphi na into eyenza ingqiqo enkulu kwindawo endikuyo. Kwilizwe eliphuhlisayo, liya kuba yintlawulo yexesha elininzi; kuyo yonke indawo, uya kuba nokusebenzisa ikhadi lakho lokubambisa kwiindawo ezininzi, ezifana ne-United States.
Ukongezelela, kulungile ukuhlukanisa imali yakho kwiindawo ezininzi njengoko uhamba. Gcina ezinye kwi-backpack yakho, ezinye kwi-daypack yakho, enye ephaketheni lakho, kunye nenye kwisihlangu sakho. Ngaloo ndlela, ukuba kwenzeka ukuba ungene, uzakufumana imali engemali ongayisebenzisa ukuyifumana ukutya kunye nokuhlala xa ufumana indlela yokuqhagamshelana nebhanki okanye intsapho yakho uncedo.
Indlela yokufumana iKhadi leDebit
Amathuba ukuba wanikezelwa ngokukhawuleza ngekhadi lebit debit xa uvula i-akhawunti yakho yokukhangela. Ukuba awunayo i-akhawunti yokujonga, yivula ngoku ngoku. Khangela ibhanki engahlawulanga ukujonga iifayili ze-akhawunti kwaye ucele ikhadi lokukhwabanisa.
Kuthatha iintsuku ezimbalwa ukuya kwiiveki ezimbini ukuba ufumane ikhadi lokubambisa emva kokuyalela. Xa ikhadi lifika, tyikitye umva ukuze uliqinisekise.
Ukuba kunokwenzeka, khangela ikariti yebhanki engahlawulisi iifizi zokurhoxiswa kwamazwe ngamazwe. Ukuba uya kuhamba rhoqo, uza kusindisa i-$ 5 ngokukhawulelwa kwiimirhumo ukuba unokufumana ibhanki ekubuyiselwa loo mali.
Indlela yokukhetha iNombolo yePhini lePD yekhadi
Ikhadi lakho lokubambisa liza ne-PIN (inombolo yesazisi yomntu siqu), engatshintshwa kwinombolo ongayikhumbula ngokulula. Khumbula; Ukuba ufanele uyibhale phantsi, gcina ihluke kwikhadi lakho. Ungakhethi inombolo ecacileyo, njengosuku lwakho lokuzalwa, ukuze unciphise amathuba omnye umntu onokukwazi ukuqaphela i-PIN yakho ukuba bafumana ikhadi lakho.
Ukuba Ulahleka Ikhadi Yakho yeMali ...
Ukuba ikhadi lakho lilahlekile okanye libiwe, fowuna ibhanki yakho ngokukhawuleza njengoko unako (ukukhethwa kwe- Skype , ukukhetha okuncinci kwiifowuni zamazwe ngamazwe ukusuka apho ungafumana khona ikhompyutha) ngaphambi kokuba omnye umntu asebenzise imali yakho.
Bhala phantsi inombolo yebhanki yakho ngaphambi kokuba ushiye ekhaya uze uyigcine kwindawo ezimbalwa-iphepha lakho, i-guidebook yakho. Misa idilesi yeposi yehlabathi yonkcoko ngaphambi kokuba uhambe ekhaya ukuze ibhanki yakho ikuthumelele ikarhulumente eyahlukileyo ukuba lakho lilahleke okanye libiwe, okanye nje lithwale amakhadi amaninzi amaninzi, ukwenzela ukuba xa unokucinywa, awuyi kuba nexhala malunga ukuyithumela kuwe ngaphambi kokuba uqhubeke uhamba.
Ixesha lokusebenzisa iKhadi lakho lokuTyala
Ungasebenzisa ikhadi lokubambisa kwiindawo ezininzi emhlabeni jikelele-nangaphandle kwe-United States, zivame ukuvunyelwa naphi na apho ungahlawula ngekhadi lesikweletu. Ndiyisebenzisa kwimigca yokuthengisa ngaphandle, kwiivenkile, kwiitishi, kunye nemivalo, ukuhlawula indawo yokuhlala kunye neenqwelo. Ixesha eliphela lingawusebenzisiyo xa ndizama ukusebenzisa imali yam, ukuba ndihlawula ukutya kwesitalato, okanye ndithenga into evela kwiimarike.
Ngeemali zeDebit Card kunye neeMali zokuThengiswa kweeMali
Ama-ATM aMazwe ngamazwe aya kuhlawula umrhumo xa usebenzisa ikhadi lakho lokubambisa; isixa sinqunywe ngumnini we-ATM. Uninzi lweemali zingaphantsi kweedola ezi-5 - isaziso kumatshini we-ATM uza kukuxelela ukuba iyintoni imali. Ingaphezulu kwe-$ 3 ininzi kakhulu, ngoko jonga omnye ukuba ubone ukuba unokufumana into engcono.
Ingxaki yemali yoqobo kunye nekhadi lokukhwabanisa livela kwibhankini lakho - umniki wekhadi unokukuhlawula iipesenti ezingama-3 ukuthengiswa kwamanye amazwe, kubandakanywa ukuhoxiswa kwe-ATM. Biza ibhanki yakho ixesha elide ngaphambi kokuba uhambe - ukuba ungayithandi intlawulo, biza uze ucele ezinye iibhanki ezihlawula ukuthengiselana kwamanye amazwe ezenziwe ngekhadi lokubhadela; qi niseka ukuba ubuza ukuba, ukuba ikhona, iirhafu zebhanki ziya kuhlawulisa ukukhishwa kwe-ATM eyenziwe kumhlaba wasemzini, kwanebhanki yehlabathi.
Eli nqaku lihlelwe kwaye lihlaziywa nguLauren Juliff.