Kusiyanitsa pakati pa kirediti kadi ndi kirediti kadi

Kodi khadi la ngongole ndi chiyani

Nthawi ndi nthawi mudzakhala mukukumana ndi funso losatha: kodi mumagwiritsa ntchito kirediti kadi kapena kirediti kadi? Ndipo ndizotheka kuti, panthawiyo, pokhapokha mutakhala ndi malingaliro onse awiri, simukudziwa momwe mungayankhire molondola, kapena munganene kuti mukugwiritsa ntchito khadi, ndikuti simukudziwa kuti ndi chiyani.

Chifukwa chake, lero tikambirana nanu, osati kungodziwa lingaliro la makhadi onse, koma a kusiyana pakati pa kirediti kadi ndi kirediti kadi. Chifukwa chake, simudzakhalanso ndi vutoli.

Kodi khadi la ngongole ndi chiyani

Khadi la ngongole lingatanthauzidwe ngati chida chomwe amatulutsa banki kuti ichite ntchito, mwina ndi ATM, kapena kugula zinthu ndi ntchito zina pangongole.

Kodi khadi yakubanki ndi chiyani

Khadi la kubweza ndi chida chakuthupi chomwe yoperekedwa ndi banki ndipo imakulolani kuti mugule katundu ndi / kapena ntchito pa kubweza, kapena ntchito ndalama pa ATM.

Kusiyana pakati pa kirediti kadi ndi kirediti kadi

Kusiyana pakati pa kirediti kadi ndi kirediti kadi

Ngakhale makhadi onsewa, nthawi zambiri, samasiyana wina ndi mnzake, chowonadi ndichakuti pali zosiyana zina zomwe ziyenera kudziwika, makamaka posankha chinthu chimodzi chachuma kapena chimzake.

Chifukwa chake, zazikuluzikulu ndi izi:

Kukhala ndi ndalama

Kodi mukuganiza kuti khadi yangongole ndi kirediti kadi, popita m'dzina lanu, zikutanthauza kuti ndalamazo ndi zanu? Chowonadi sichoncho ndendende. Pa kirediti kadi, ndalama si zanu, koma za banki. Ndalama zomwe muli nazo ndi ngongole yomwe banki yanu imachotsera momwe mumagwiritsira ntchito koma kuti, pambuyo pake, mukuyenera kubweza.

Mu makadi a kubanki, awa amalumikizidwa ndi akaunti yanu yowunika, ndiye kuti, ku akaunti yanu yakubanki, chifukwa chake ndalama zomwe mukugwiritsa ntchito ndi zanu. Chifukwa chake, pa kirediti kadi mulibe malire a ndalama (chabwino, omwe muli nawo muakaunti yanu, inde). Pakadali pano, pa kirediti kadi pakhoza kukhala malire a ndalama zomwe "amakubwereketsani", zomwe zitha kukhala 2.000, 4.000 kapena kupitilira apo.

Pomaliza, mu kirediti kadi ndalamazo ndi zaku banki, pomwe mu kirediti kadi ndi zanu.

Njira zothandizira

Mwinanso ndi kusiyana kwakukulu komwe kulipo pakati pa makhadi onse awiriwa, chifukwa amasiyananso kwambiri wina ndi mnzake. Mwachitsanzo, mu kirediti kadi, kugula kulikonse komwe mungachite nawo kumawonekera nthawi yomweyo muakaunti yanu, ndipo amachotsedwa.

Koma Pankhani ya kirediti kadi, nthawi yobweza ndalama zomwe mwawononga siziyenera kukhala nthawi yomweyo; Nthawi zambiri pamakhala nthawi, kapena amalipiritsa pakatha mwezi umodzi kuchokera paakaunti yofufuzira. Chilichonse chimadalira zomwe mgwirizano womwe umasainira umanena. Pali nthawi zina pomwe ndalama zonse zomwe mwagwiritsa ntchito zimalipiridwa kumapeto kwa mwezi, zomwe zimalipidwa mwezi wotsatira, kapena zimatha kulipilidwa malinga ndi chindapusa.

Mwachidule, khadi la kubanki limachotsa ndalamazo ku akaunti yanu yakubanki nthawi yomweyo. Khadi la ngongole limachedwetsa ngongoleyo kwakanthawi kuti mulipire.

Malire a kirediti kadi ndi debit

Malire a khadi

Kodi mumadziwa kuti makhadi ali ndi malire? Izi zikutanthauza kuti, kupitirira "kuchuluka" kumeneko, sizingakuthandizeni chifukwa sizingakuthandizeni. Kuti muchite izi, muyenera kukumbukira izi:

Khadi la kubanki limangokhala ndi ndalama zomwe muli nazo muakaunti yanu yakubanki. Ndiye kuti, ngati muli ndi mayuro 1.000, ziribe kanthu kuti mukufuna zochuluka motani zokwana 1.001, simungathe kuzigula chifukwa mudzasowa yuro (ndipo banki sangakongozeni).

Kumbali inayi, kirediti kadi ngati mupeza kuti ili ndi malire, chiwerengero chomwe banki yanu ikadakhazikitsa. Ndalamayi ndi yomwe banki "imakukongoletsani", popeza, monga mwawonera kale, ndalama zomwe zili pa khadi iyi si zanu, koma za banki, ndipo banki ilibe ngongole yopanda malire. Ndipo ndi malire ati omwe amaika? Zonse zimatengera kuthekera kwanu kubweza ndalamazo.

Nthawi zambiri kubwezeredwa kumabwezeretsa ndalama zomwe zilipo pano, amatenga ngati ndalama zomwe muli nazo muakaunti yanu, potengera izi, zimawerengera kuthekera kopeza ndalama zanu.

Kutenga ndalama

Kusiyana kwina pakati pa kirediti kadi ndi kirediti kadi ndikutulutsa ndalama. Mbali inayi, pa khadi la kubanki, mukamachoka ku ATM, kapena kubanki, sizikutanthauza kuti muli ndi mtengo (chifukwa mukuchotsa ndalama zanu). Kumbali inayi, pankhani ya makhadi azinthu, zinthu zimasintha, chifukwa apa muyenera kulipira ma komiti kuti mutenge ndi khadiyo. Ndipo nthawi zina ma komishini amatha kukhala okwera kwambiri, chifukwa chake kumbukirani.

Kusiyana kwina

Kuphatikiza pa zomwe tidaziwona, zomwe zingakhale zofunikira kwambiri, pali mitundu ina yosiyana. Mwachitsanzo:

  • Chitetezo. Mu khadi la kubanki nthawi zambiri mulibe inshuwaransi, mutha kungoletsa kapena kuletsa; pomwe, pangongole, chifukwa chakuti ndi ndalama zakubanki, muli ndi inshuwaransi yotsutsana ndi kuba.
  • Kulemba ntchito. Ndi khadi la kubanki, simukuyenera kukwaniritsa zofunikira zambiri; Komabe, malipiro, penshoni kapena zina zotere ndizofunikira pa ngongole imodzi.
  • Kuchotsera. Chifukwa m'malo ena, mashopu, malo omwetsera mafuta ... pakhoza kukhala phindu lolipira ndi makhadi a debit (m'malo mwangongole kapena ndalama).

Kodi chabwinoko ndi chiyani, kirediti kadi kapena kirediti kadi?

Kodi chabwino ndi chiyani, khadi yapa debit kapena kirediti kadi?

Tsopano popeza mukudziwa lingaliro la makhadi onse awiri, komanso kusiyana kwakukulu, ndi liti lomwe limawerengedwa kuti ndi labwino kwambiri? Muyenera kudziwa kuti palibe wabwino kuposa wina. Zonsezi ndi zabwino koma zimakwaniritsa zosowa zosiyanasiyana. Chifukwa chake, ndiye munthu amene ayenera kusankha kuti ndi iti mwa awiriwa yomwe ndiyofunika kwambiri pamoyo wawo.

Akatswiri amati, pamene kugula kwakukulu, kapena muyenera kugula china chake, chomwe simungathe kulipira chifukwa chosakhala ndi muakaunti, itha kukhala yolondola khalani ndi kirediti kadi m'malo mwa kirediti kadi, yapangidwa kuti ichotse ndalama pama ATM, zolipira pang'ono, kapena muli ndi ndalama zokwanira kulipira bwino pazomwe mukufuna kugula.

Ambiri amakhala ndi mitundu yonse ya makhadi, ndipo amawagwiritsa ntchito mosinthana malinga ndi zosowa zawo. Chowonadi ndichakuti palibe chabwino kapena choyipa pokhapokha ngati momwe banki imawapwetekera mwanjira ina (chiwongola dzanja, chisamaliro ...). Zikatero, muyenera kusankha chimodzi kuti mulipire kwambiri.

Ngati mukufuna kudziwa zonse za Visa ndi Mastercard makhadi ndi ma kirediti kadi, izi zimakusangalatsani:

Nkhani yowonjezera:
Kusiyana pakati pa Visa ndi Mastercard

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