Iingcebiso ezifanelekileyo ekuphikisanayo kwaye ziyakuthi ziguqule iindleko zekhadi ezikhokhwayo zekhadi
Ngethuba lokuhamba, into yokugqibela umntu ofuna ukucinga ngayo ixhaswa kwi-card credit transaction. Okubi nakakhulu, akukho mntu ufuna ukucinga ngombono wokuba inombolo yekhadi lesikweletu ebiwe kwilizwe langaphandle. Ukusebenzisa amakhadi ekhredithi ngexesha lokuhamba kwindlela enokulula kwaye elula ukuyihlawula, kodwa unokuza neengozi ezininzi ngokunjalo.
Imigaqo yomhlaba wonke yakhelwe abo bafumana ukukhetha iplastiki ngaphezulu kwiphepha kwixabiso lokuthengisa emhlabeni jikelele.
Ezi zikhuselo zikhona ngenxa yezizathu ezifanelekileyo: Ngokubhekiselele kwiSebe lezoBulungisa, ama-7% abantu abaneminyaka eli-16 ubudala kunye nabadala bexhoba lobusela besazisi ngo-2012. Uninzi lwawo matyala abandakanyekayo usebenzisa i-credit-based okanye i-akhawunti yebhanki ukuhlawula ityala lixhoba.
Nangona kunjalo, akuyena kuphela abahamba ngeengxaki xa abasebenzisa amakhadi abo. Kwezinye iimeko, abasebenzisi bekhadi lokuthenga ngetyala banokuhlawulwa kwiirhweba ezingazange zifumaneke, okanye umrhwebi wakho usenokuziphosa ngokugqithiseleyo ikhadi lakho. Kuzo zonke iimeko, ukuphikisana nokuhlawulwa kwekhadi lesikweletu kungakusindisa ekubeni ushiywe ibhilidi enkulu ongayithanga ukuyihlawula.
UMthetho weNkundla yeMali yokuTyala kunye nawe
EUnited States, uMthetho weMali yokuTyala ngokuTyala (FCBA) ubeka imimiselo yeendlela zokubhatala ngekhadi lesikweletu kunye neendleko zokuphikisana kwikhadi lakho lesikweletu. Kule migaqo, kukho iimeko ezininzi apho ungahlawulwanga ngamatyala amabi kwikhadi lakho lekhredithi.
Ezi meko ziquka:
- Iindleko ezingagunyaziswanga okanye zobuqhetseba,
- Imirhumo eluhlu lusuku olungalunganga okanye imali, okanye
- Iintlawulo zeempahla okanye iinkonzo ezingakhange zihanjiswe okanye zifumaneke
Ukuba ufumanisa ukuba ikhadi lakho lekhredithi lihlawulwa ngokungekho mthethweni, okanye inombolo yakho yekhadi lesikweletu iyabiwe kwaye isetyenziswe, unelungelo lokuphikisana neendleko kunye nomniki-khadi wakho wekhadi.
Indlela yokuxelela ukuba ikhadi lakho lihlaselwa njani xa uhamba
Xa uhamba, ukufunda isitatimende sakho sekhadi lesikweletu akunokuba yinto ephambili kuyo. Ngekhompyutha yobugcisa, ungadingi ukuphinda uhlolisise yonke into ekupheleni kosuku. Kukho iindlela ezimbini ezilula zonke iindwendwe zihlala ziphezulu ngaphezulu kwekhadi lokuthenga ngetyala xa zihamba.
- Qonda umgaqo-nkqubo wokuhamba ngekhadi lakho lesikweletu
Amakhadi amaninzi ematyala, kungakhathaliseki ukuba ayetshenziselwa ukuhamba okanye angasetyenziswanga, afune isaziso esikhuselekileyo xa ulindele ukuzisebenzisa ngaphandle kwelizwe lakho. Ngokunika ikhadi lakho ukukhupha isaziso sebhanki kwizicwangciso zakho zokuhamba (apho kuyimfuneko), unokunceda ukuqinisekisa ukuba ikhadi lakho lisetyenziswe kuphela kwilizwe olapha. - Sebenzisa ii-smartphone zokusebenza uze usethe izicwangciso zokuchitha imali
Ukongezelela, abaninzi abanokukhishwa ngamakhadi ekhredithi banikezela izicelo ezingayi kukuvumela ukuba uhlole iindleko zakho naphi na apho ukhona kwihlabathi, kodwa ufumana izilumkiso zokusetyenziswa okungaqhelekanga okanye ezingaqhelekanga. Ukuba uyazi ukuba imali yakho iya kuba ngaphantsi kombindi othile xa uhamba, khuphela i-app yakho yekhadi lesikweletu kunye nezilumkiso zokuchitha imali. Oku kunokukunceda uqonde ukungafani phambi kokuba kube yingxaki enkulu. Qaphela ukuba ezi ntsebenziswano zisenokusebenzisa idatha ngexesha elikude, ezibangelwa iindleko zeefowuni eziphezulu zokuhamba kwedatha yehlabathi.
Nangona ucwangciso lwakho oluhle, usenokufumana unamathele kunye nokungafani kwiintlawulo, okanye ngeentlawulo zamatyala kwi-akhawunti yakho . Kwimeko apho kwenzeka, ixesha lokuba ufake ingxabano yokubhalwa kwekhadi lesikweletu.
Yintoni ongayenza xa ubona ukungafani
Ngokukhawuleza uqaphela ukungahambelani kwi-bill card yakho yebhanki, kungekudala ungayifaka ingxabano yokubambisa kunye nenkampani yakho yekhadi lesikweletu. I-Ofisi yoKhuseleko lwezeMali yabathengi ibike oku njengesikhalazo esiqhelekileyo: i-15% yezikhalazo zonke ezifakwe phakathi kukaJulayi ka-2011 nakwi-Matshi ka-2013 zazingumngqinisiso wokuhlawula. Nantsi indlela oqala ngayo ngokufakela ingxelo yengxabano yokubambisa:
- Bika inkokhelo engagunyaziswanga
Ngokukhawuleza ukuba uqaphela ihlawulwanga engagunyazisiweyo kwikhadi lakho lesikweletu, qalisa uqale inkqubo yokuphikisana nenkokhelo kunye nomniki-khadi wakho wekhadi. Oku kunokwenziwa rhoqo ngokufowunelwa, kwaye kwezinye iimeko kunokuqaliswa nge-imeyile. Xa uqala inkqubo ngaphambili, unokusondela kukulungisa umba, okanye ukususa ngokupheleleyo umrhumo.
- Landela ngeleta yesibheno
Ngokutsho kwe-FCBA, unokufikelela kwiintsuku ezingama-60 ukufaka impikiswano yokubambisa ngokusemthethweni kunye nekhadi lakho leebhanki. Ukuba ingxabano yakho ayisombululwanga phakathi kwenyanga, khawuleza ulandelelwano kunye neleta ebhanki yakho ichaza ingxabano yakho yokubambisa, kwaye kutheni uphikisana nayo. Ngeli xesha, unganokunyanzeliswa ukuhlawula imali ephikisanayo, kodwa uya kufuneka uhlawule zonke ezinye iindleko eziqhelekileyo kunye nokuqhubekayo kwikhadi lakho. - Hambisa isikhalazo kwiBhodi yoKhuseleko yeMali yabathengi
Xa kwenzeka ukuba ingxabano yakho yokubambisa ingasusiwe ngexesha elithile elifanelekileyo, cinga ukufaka isikhalazo kwiBhodi yoKhuseleko lwezeMboleki. I-arhente ye-watchdog ye-rhudo yasungulwa ngokukhawuleza, ukuze kuncedise abathengi kwiimeko ezifana nalezi. I-CFPB inokwazi ukuncedisa imeko yakho ukuba zonke ezinye iindlela zikhethiwe.
Ngokuhlala phambi kweendleko zakho zekhadi lokuthenga ngetyala, ukuqonda amalungelo akho xa kuziwa ekuchitheni ngexesha lokuhamba, kwaye uzikhusele kwiimali ezibi, unokuqiniseka ukuba uhambo lwakho oluya eparadesi aluzukuphangwa. Ngale macebiso, unokuhlala uqapha - kwaye ukhuselwe-naphi na apho uya khona.