Abanye abathengisi bahlawula ngaphantsi xa uzimisele ukuhlawula ngemali.
Imirhumo yokuchithwa kwekhadi lokuthenga ngekhredithi isoloko ishushu esicatshulwa kubahwebi, kwaye ngelixa abathile bekharityhulam abathile bathatha isinqununu esikhulu kumashishini amancinane kunye nomthamo ophantsi, kwiinkampani, ezi ntlawulo zifana neendleko zokwenza ishishini. Amashishini asebenzayo aphuhlise isisombululo sokulwa nemirhumo ngaphandle kokuphula umthetho (okanye isivumelwano somthengisi wekhadi), ngelixa abanye abathengisi bengabamkeli amakhadi esikweletu ngamabhanki.
Ngokuqinisekileyo, ukhethe izikhungo zingathanda ukuphepha iphepha lekhadi lesikweletu "ngeenjongo zerhafu," ukukhetha (ngokungemthetho) ngaphandle kwemali evela kwingeniso yabo engenayo, kodwa ininzi inokwenzeka ukuba ifuna ukuphelisa iindleko ezingadingekanga apho kunokwenzeka khona. Kwaye kwezinye iimeko, oko kunokuthetha ukuba abathengi bakhuthaze ukugcina amakhadi abo esikweleti kwizikhwama zabo.
Awukwazi ukugxeka abathengisi ngokuzama ukugcina imali, kwaye ngelixa abantu abaninzi behlawula imali ngokuthengwa kweninzi, nangona xa kuncinci, ngokuqinisekileyo kuyaphikisana neenjongo zakho njengamayela kunye nabaqokeleli bamaphuzu. Ngaphandle kokuba uye wakwazi ukufumana indlela yokukhokha amakhadi e-debit akhokhelwa ngaphambili kwi-Office Depot ngeli xesha uzuza amanqaku ama-5 kwidola ngalinye kwaye usebenzise loo mali ukuhlawula iimpahla kunye neenkonzo, awuzi nayiphi na imiphumo ngokukhetha i-greenbacks ngaphezu kweeplastiki ezifumana iiplastiki. (Ngaphandle koko, uhlala ubeka imali ekukhawunteni yakho yamakhadi, apho iimeko zakho zenyanga ziphantse ngokugqithiseleyo nayiphi na inzuzo oyifumanayo kwiindawo ozifumanayo).
Okwangoku, indawo eqhelekileyo oya kuhamba kuyo "ukukhushulwa kwemali" isiteshini segesi. Amatye amaninzi awanamahloni malunga nokukhethwa kwawo kwemali, kwaye ukuba ukhetha ukuhlawula ngekhadi, uza kuhlawuliswa inani elikhulu kwigron yegesi oyithengayo. Njengazo zonke izinto ezithengiweyo, uya kufuna ukugqiba ukuba yiyiphi ikhadi eliza kulusebenzisa (okanye nokuba ungayisebenzisi ikhadi nakwiiyo zonke) ngokusekelwe kwixabiso olibalile uhlobo oluthile lomvuzo.
Ngoko, ukuba ixabiso lemali liyi $ 4.00 ngegaloni kwaye uza kuhlawula i-$ 4.20 nganye ngegolon xa uhlawula ngekhadi, i-5% yeepesenti, uzakufuna okungenani ukubuyiswa kwepesenti e-5 ukwenzela ukuba lo msebenzi ku fanele. Ngaphandle kokuba usebenzisa ikhadi elibalulekileyo kwibhonasi yokuthenga kwizikhululo zegesi, mhlawumbi i-intle engcono yokuhlawula imali.
Ngaphandle kokuba umrhweba engabhengezi iintlawulo eziphantsi ukuba usebenzisa imali, banokuthi bavule ukukusika. Ukuba uthengela ukutya okanye unyango lwakho lweentsuku zokutya ezine, mhlawumbi akunangqiqo nokuba ucele, kodwa ukuba uthengela isiqwenga esinexabiso okanye uxoxisana neendleko eziqhelekileyo zokuhamba uhambo olude kwieteksi, kubekho izaphulelo ezibalulekileyo ukuba zibe nazo. Ukuthengisa, nokuba kunjalo, kubalulekile ukuba ukhumbule inzuzo ekungahlawulwanga rhoqo ukuhlawula ngeplastiki: iziqinisekiso ezininzi kunye nembuyekezo. Abanye abanikidi bekhadi baya kuphinda kabini iwaranti yomenzi okanye mhlawumbi banikezele imali epheleleyo xa ubuza ukubuyisa impahla umrhweba angayi kubuyiselwa, kwaye ukuba ulindele ukufuna ukusebenzisa umgaqo-nkqubo onjalo, yenza isaphulelo uze ukhokhe ngekhadi lakho .
Ngokufanayo, kunokufumana amathuba okuhlawula ngekhadi lesikweletu ongenakuze ucinge ngalo.
Amanye amanyunivesithi amkela iintlawulo zekhadi lokuthenga ngetyala, kwaye nangona kukho iindlela ezimbalwa kunokuba ngaphambili, iinkonzo ezithile zenza kube lula ukuhlawula imali yakho yokuthenga ngemali usebenzisa ikhadi kunomrhumo wemali. Abanye abathengisi bemoto banokukuvumela ukuba ukhokhe ngekhadi lesikweletu ukuba uthengisa isithuthi ngaphandle kwezimali zebhanki. Njengazo izaphulelo ezixoxwe ngasentla, ungalibali ukubala ixabiso leengongoma oza kuzifumana phambi kokuba uswayipha - usebenzisa ikhadi lakho lenza ingqiqo ixesha elininzi, kodwa kwezinye iimeko, uya kuxhamla ngakumbi ukuhlawula kunye kubanda, imali enzima.