Kodi mungapewe bwanji chindapusa pamakadi aku banki?

makadi Ma kirediti kadi ndi njira imodzi yolipirira ogwiritsa ntchito aku Spain. Izi zikuwonetsedwa malinga ndi zomwe zimaperekedwa ndi Bank of Spain's Payment Systems department, yomwe imatsimikizira kuti ku Spain kuli anthu Mapuloteni awa ndi 48,09 miliyoni. Pomwe pali wosagwiritsa ntchito zaka zopitilira 18 yemwe alibe njira yolipirira izi. China chake chomwe chimalankhula zakufunika komwe makhadi akutenga m'moyo watsiku ndi tsiku wa nzika.

Ma kirediti kadi ndiye chinthu chofunikira kwambiri pakupezera zida zina zothandizidwa ndi Aspanya lekani kugula kwanu. Kudzera zosiyanasiyana njira zomwe akhala akugwiritsa ntchito ndipo zimalola ogwiritsa ntchito kutuluka mwachangu. Mwina kudzera pakubweza kwathunthu kumapeto kwa mwezi kapena kudzera pakulipira kwakanthawi mwezi uliwonse kapena gawo limodzi la ngongole. Ndizosadabwitsa kuti kusinthasintha kwa kayendedwe ka banki ndi chimodzi mwazizindikiro zake.

Komabe, makhadi samakonda kutuluka mwaulere, koma m'malo mwake zimaphatikizapo ma komisheni ndi ndalama zingapo pakuwongolera ndi kuwayang'anira zomwe ndizovuta kuwalemba ntchito. Monga zimachitikira kwa inu nthawi ina m'moyo wanu. Ichi ndichifukwa chake gawo labwino la ogwiritsa ntchito limayesa kuletsa kapena kuchepetsa kubweza kwa banki. Mwanjira imeneyi, pali njira zambiri zomwe ali nazo kuti pamapeto pake mgwirizano wazogulitsa zamabanki zomwe zikupezeka pantchito zamakasitomala sizingabweretse kulipira kulikonse.

Makhadi: yolumikiza ndi malipiro

Zachidziwikire, imodzi mwamagawo othandiza kwambiri kukwaniritsa cholingachi ikukhudzana ndi kulumikiza malipiro kapena penshoni ku akaunti yakubanki. Lingaliro ili limayimilidwa ndi omwe amatchedwa nkhani zolipira ndipo pafupifupi mabungwe onse azachuma ali ndi mtundu wazikhalidwezi. Amapereka mwayi kwa omwe amakhala nawo pamitundu yonse, koma chimodzi mwazabwino kwambiri ndi izi. Ndi kukhazikitsidwa kwake mumakhala ndi kirediti kadi kapena debit yaulere kwathunthu. Popanda kuyang'anizana ndi zolipira kapena kuyang'anira.

Gawo labwino la makasitomala aku banki amasankha mtundu wachikhulupilirowu kuti akhale ndi mapulasitiki awo. Chifukwa ndizosavuta kuzisintha ndipo mutha kupititsa patsogolo phindu lazosungidwa. Chifukwa, amatipatsa chiwongola dzanja chomwe malingaliro omwe angakhumudwitse kwambiri atha kufikira milingo mpaka 5%. China chake chosaganizirika panthawiyi chifukwa chakuchepetsa mtengo wa ndalama ndi omwe akutsogolera ndalama zam'mudzimo. Ndipo izi zadzetsa phindu pakati pazopanga ndalamazi pafupifupi 0,10%.

Kwa makasitomala omwe amakonda

makasitomala Popanda malo oti kukhala kasitomala wabwino ali ndi maubwino ake ndipo imodzi mwazo ndi kuchotsedwa kwa ma komiti ndi ndalama zowongolera mu makadi a ngongole ndi debit. Poterepa, muyenera kungokambirana izi kuti zikukomereni. Ndizosadabwitsa kuti gulu la makasitomala ili lilibe vuto lililonse kuti lifike poyambira ndi banki yawo. Monga maubwino ena angapo omwe maakaunti ena akubanki amakhala nawo. Mwa omwe amadziwika kuti akuchotsa maboma onse kubanki, mwayi wopeza chiwongola dzanja chambiri pamizere yambiri yobwereketsa kapena kukupatsani mwayi wolipira.

Zachidziwikire, chimodzi mwazolinga zazikulu zamabungwe azachuma ndi perekani makasitomala anu abwino kwambiri. Ndipo ngati ali ndi akaunti yamphamvu kwambiri pakadali pano, zimakhala bwino kwambiri. Zokhumba zanu zidzakhutitsidwa pafupifupi nthawi yomweyo popanda inu kupereka kapena kulipira kuzinthu zina zachuma. Mwachitsanzo, mapulani a penshoni, ndalama zogulitsa kapena chinthu chilichonse chomwe chimapangidwira ndalama. Kuphatikiza pa kuyambira pamaudindo abwino kukonza magwiridwe antchito gawo lazinthu zachuma. Ngati muli m'gululi, zikomo kwambiri, chifukwa simulipira yuro imodzi kuti mukhale ndi ngongole kapena ma kirediti kadi.

Amapereka makasitomala atsopano

Dongosolo lama kontrakitala ndi njira ina yomwe muli nayo pakadali pano yopanda ma komiti ndi zomwe mumagwiritsa ntchito pakhadi la kirediti kadi. Mpaka pomwe ndi ndowe yomwe mabungwe azachuma amatenga kuti asungire kasitomala. Monga mitundu ina yomwe ili pamwambapa, iyi imapereka zina zomwe zingakhale zopindulitsa kwa inu kuyambira pano. Monga kuthekera kwa amamvera gawo gawo ndi phindu lalikulu kuposa pano. Ndikubwezera kwapakatikati pakusunga kwa 1,50%.

Gulu la maakaunti amenewa amadziwika kwambiri ndikusintha kwake momwe amapangidwira mitundu yonse yazambiri. Kuyambira ogwiritsa ntchito akale kwambiri mpaka zigawo zazing'ono kwambiri za anthu. Palibe zoperewera, koma m'malo mwake, zina mwazabwino zake zimakhala ndi tsiku lotha ntchito kale. Umu ndi momwe zimakhalira nthawi yayitali ndipo amakupatsaninso mwayi wobwerera kokha kwakanthawi. Nthawi zambiri mozungulira miyezi 6 kapena 12 ndi gawo limodzi la ndalama. Itha kukhala imodzi mwanjira zabwino kwambiri zowonjezera maudindo anu kuyambira pano.

Maakaunti mumtundu wa intaneti

Intaneti Ngati china chake chimasiyanitsa maakaunti aposachedwa omwe amapezeka pa intaneti, ndikuti amakulolani kuti musinthe momwe zinthuzi zilili. Chifukwa cha ndalama zochepa omwe mabungwe azachuma amayenera kunyamula. Chifukwa cha izi, muthanso kuchotsa ma komiti kuyambira pano. Ndi mwayi womwe mungatsegule mtundu wotsatsawu momasuka kunyumba kwanu kapena kulikonse komwe mungakhale, monga komwe mukupita kutchuthi. Kuphatikiza apo, nthawi zonse amakhala ndi mphotho zochepa kuchokera ku yuro yoyamba.

Maakaunti apaintaneti, komano, ndiosavuta kupeza mgwirizano ndipo nthawi zambiri amakhala ndi zotsatsa komanso zotsatsa zomwe zingakuthandizeni kukhala ndi ubale wabwino ndi banki yanu wamba. Ndizogulitsa zomwe zimapezeka m'mabungwe onse amabanki kuti mutha kuwongolera ndalama zanu ngakhale kuchokera pafoni kapena zothandizira zina zamakono. Ndi chinthu chokwera kwambiri chomwe chimapezeka kwa ogwiritsa ntchito onse. Osati pachabe, muyenera kungokhala ndi zida zamtunduwu momwe mungagwiritsire ntchito ndi banki yomwe mukufuna.

Kuchokera pamapulatifomu atsopano azachuma

Chimodzi mwazinthu zomaliza zomwe muli nazo kuyambira pano ndikupita ku banki yatsopano yaukadaulo ndikukwaniritsa zokhumba izi. Chifukwa chakuti, kuyambira nthawi yoyamba nkhani zonse zimathandizidwa ndi izi. Komwe mungasankhe khadi yomwe mukufuna kuti musapatsidwe ndalama kuma komiti ndi zina zoyendetsera ndalama. Kaya kirediti kadi kapena mosiyana ndi mtundu wa kubweza, nthawi zonse kutengera zosowa zanu zenizeni. Kuphatikiza apo, banja lanu lingapindule ndi bizinesi iyi pokhala ndi khadi lowonjezera wachibale wa mwini akaunti.

Mulimonsemo, iyi ndi njira yogwiritsidwa ntchito ndi ogwiritsa ntchito achichepere kuti atenge kirediti koyamba kapena kirediti kadi. Chifukwa chamakhalidwe apadera a gulu lamaakaunti aku banki. Nthawi zonse, kukhazikitsidwa kwake imayendetsedwa kudzera muukadaulo watsopano. Chomwe chimalepheretsa kulowa kwake kwa makasitomala achikulire omwe amavutika kwambiri kuthana ndi izi. Mwanjira iliyonse, ndi njira ina yosangalatsa kwambiri kuteteza zofuna zanu munthawi iliyonse yomwe ikubwera pakadali pano.

Ntchito kuchokera kumakhadi

ntchito Mwanjira ina, ndizosavuta kwa inu kudziwa kuti kuchokera munjira yolipirira yonseyi mudzakhala ndi mwayi wogwira ntchito ndi banki yanu. Mutha kutulutsa ndalama kuma ATM nthawi iliyonse patsiku, kupanga madipoziti kapena kusamalira ngongole zazikulu zapanyumba (madzi, magetsi, gasi, ndi zina zambiri). Kumbali inayi, mutha kulipiritsa zomwe mumagula m'malo onse azamalonda. Pokhala ndi mwayi wobweza ngongole miyezi ingapo, ali ndi chidwi kudzera munjira zosiyanasiyana m'mapulasitiki. Kuti mwanjira iyi, mutha kufikira bwino kumapeto kwa mwezi.

Ubwino wina wa njira zolipirira izi ndikuti mutha kudzipatsanso ndalama nthawi iliyonse yomwe mukufuna. Ngakhale mutha kupeza zotsatsa zingapo komanso zotsatsa zomwe zingakuthandizeni kuti mukhale ndi kuchotsera ndi ma bonasi pazogulidwa. Kapena kusungitsa maulendo anu atchuthi (malo ogona ku hotelo kapena kubwereka magalimoto, mwazinthu zina zofunikira kwambiri. Mwachidule, ntchito zosiyanasiyana zomwe zingakuthandizeni pamoyo wanu watsiku ndi tsiku.


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  1. Wotsogolera pazosankhazi: Miguel Ángel Gatón
  2. Cholinga cha deta: Control SPAM, kasamalidwe ka ndemanga.
  3. Kukhazikitsa: Kuvomereza kwanu
  4. Kulumikizana kwa zomwe zafotokozedwazo: Zomwezo siziziwululidwa kwa anthu ena kupatula pakukakamizidwa mwalamulo.
  5. Zosunga: Zosungidwa ndi Occentus Networks (EU)
  6. Ufulu: Nthawi iliyonse mutha kuchepetsa, kuchira ndikuchotsa zidziwitso zanu.