Makadhi haasi chigadzirwa chakafanana, kure nazvo. Pane akasiyana mafomati pamusika kuti iwe ugone kunyoreswa chero nguva nevashandisi. Muzviitiko zvese, ivo vanogutsikana nenzira yekubhadhara iyo inoshanda kune kumeso kubhadhara chero mhando. Mupfungwa iyi, masangano emabhengi afunga kuchinjisa chigadzirwa ichi kune izvo chaizvo zvinodiwa nevatengi vavo. Iko kuoneka kwezvinhu zvitsva zvehunyanzvi kuri kukurudzira kugara uchivandudzwa. Nekuti makadhi haachaite seaya akamboshandiswa makore mashoma apfuura. Iwo ari kuchinja uye muyenzaniso weiyi maitiro unomiririrwa neanonzi chaiwo makadhi.
Makadhi ave a nzira dzekubhadhara zvachose universal. Izvo zvatove zvisingawanzoitika kune iye munhu asina imwe yacho, chero iyo modhi: kiredhiti, madhiti, rakapetwa kana mamwe mamwe mafomati eazvino kana ehunyanzvi. Ivo vanogara varipo muchikwama chako kusvikira vatsiva mari yemuviri. Kwete pasina, kuwana kwayo kwakaitwa kuve nyore kwazvo uye uine mashoma mashoma zvinodiwa iwe unogona kunge uine imwe yacho mumaoko ako. Kunyangwe mune dzimwe nguva zvichizonyanya kudikanwa kuti iwe utore makomisheni kana mari kune ayo manejimendi kana kugadzirisa, zvinoenderana nekadhi rakabvumidzwa.
Zvikuru zvekuti zvinoenderana neazvino data rakaburitswa naMastercard rinoratidza kuti 82% yevashandisi veSpanish vatove nekadhi rechikwereti. chikwereti, kubhadhara kana kubhadhara. Aya manhamba anomiririra kuwedzera kweanopfuura masere masere% zvichienzaniswa nemamiriro egore rapfuura. Chero zvazvingaitika, makadhi ekubhadharira achiri nzira inosarudzika yekubhadhara pamwe neanosvika 8% yezvaunofarira. Inoteverwa inotevera nemakadhi echikwereti ayo anoita 75% yemusika. Kunyange zvakadaro, izvo zvinonzi zvakabhadharwa vachiri vashoma pakati pevaSpanish sezvo vasina kumiririra zvinopfuura zvikamu zviviri kubva muzana zvekudiwa kwepasi rose mugore rapfuura.
Dzazvino maitiro: chaiwo makadhi
Chero zvazvingaitika, maitiro akasimuka mukufarira kwevatengi ndee makadhi chaiwo. Asi iwe unonyatsoziva izvo zvavari uye izvo zvazvinosanganisira? Nekuti zvinonyanya kureva kuvandudzwa mukirasi yechigadzirwa uye kusvika pakuve inogamuchirwa zvikuru nevashandisi vadiki izvo zvinoshandisa izvo neimwe frequency kukuvadza mamwe emhando dzetsika mamodheru. Pamusoro pezvo, masangano echikwereti akakwanisa kupindura kuchinhu chakakosha ichi uye nemabhangi ese ane plastiki yehunhu uhwu. Iyi ndiyo mhaka yako umene here?
Nekuti iwo chaiwo makadhi haasi epurasitiki ekushandisa asi zvinopesana anochengetedza ayo ega kuzivikanwa, sezvaunozoona pazasi. Zvinogona kutaurwa kuti chaiwo makadhi chigadzirwa chekubhadhara chisina iyo mamiriro epanyama echikwereti kana echikwereti. Ichi ndicho chimwe chehukuru hwayo hunhu sezvo kunyangwe kana vaine muviri wenyama, havana mabhenefiti akafanana nemamwe makadhi ebhangi. Hazvishamisi kuti ivo vanoshandiswa zvakanyanya kuita kubhadhara kwezvakatengwa pamusoro peInternet. Nekudaro fungidziro yakakura yavanayo pakati pevashandisi vatsva.
Mechanism mumapurasitiki aya
Kune rimwe divi, zviri nyore kutaura kuti aya makadhi anosanganisira nhamba ine zuva rayo rekupera sekunge yaive kiredhiti kana kadhi rekubhengi. Muchiitiko ichi hapana kana mutsauko. Kana zviripo, zvinoitwa nemamwe matanho ekuwedzera, senge kusimbiswa kwekutengesa kuburikidza nePIN uye mune zvimwe zviitiko nenzira yekusimbisa kuburikidza nekodhi inogamuchirwa neSMS. Ndokunge, vane chengetedzo yepamusoro yekuita mashandiro. Kunze kwemasevhisi anopiwa neiyi yekutanga uye nzira itsva yekubhadhara.
Ehezve, imwe yemipiro yavo mikuru iri muchokwadi chekuti ivo vanokutendera iwe kuti uchengetedze kudzikamisa kuomarara kwemari yako wega. Pakati pezvimwe zvikonzero nekuti haupinde muchikwereti mukuita nekusatarisa mafambiro echikamu. Kune rimwe divi, chaiwo iwo anowanzo tenderera kukudziridza chero mhando ye shopping online. Kubva pakuwana yazvino nharembozha modhi kuenda kunzvimbo yezororo. Ivo anoenderana neazvino mafambiro mune yevatengi chikamu. Ichi chinhu chinovaita vanobatsira kwazvo kune ese marudzi evashandisi, chero bedzi vaine hukama hunoshanda nehunyanzvi hutsva.
Zvakanakira iyi nzira yekubhadhara
Chimwe chezvinhu iwe chaunofanira kufunga nezvacho kubva zvino zvichienda mberi, iwo mabhenefiti anogona kugadzirwa neplastiki yeaya maitiro. Naizvo, mazhinji uye akasiyana muhunhu, sezvauchaona kubva zvino zvichienda mberi. Nekuti ivo vanomiririra imwe yemakakatanwa akakosha zvine chekuita neari mamwe makadhi ebhangi echinyakare Aya ndiwo mamwe mabhenefiti akatanhamara ayo chigadzirwa chemari ichi chinopa.
- Kuchinja kwaro kukuru: nekuti ndiwe unosarudza huwandu hwemari yaunofanirwa kupa kune yako chaiyo plastiki. Nenzira iyi, chiyero kana chiyero cheakaundi ako ega hazvigone kuchinjwa. Mupfungwa iyi, inobata kufanana kukuru nemakadhi ekubhengi.
- Kuchengetedzwa kwemubhadharo: inosanganisira system inokudzivirira kubva kune mamwe mamiriro asingadiwe, sekurasikirwa kwavo kana kuba. Iine hunhu hwehunyanzvi hunopihwa pane urwu kadhi.
- Inodhura kwazvo mutengo: Iwe haugone kukanganwa kuti aya mapurasitiki ndiwo akachipa pamusika. Kwete pasina, ivo vakasununguka uye hauzove nemari yekugadzirisa kwavo. Kusiyana neiko makadhi echikwereti kana echikwereti ayo anoda kubhadharwa kwakatemwa gore rega.
- Kupinda nyore nyore: Kune rimwe divi, hauzove nezvakawanda zvinotitadzisa kuzvinyoresa mumazuva mashoma anotevera. Chete chako chishuwo chekuve nacho mune yako portfolio ndicho chichava chakakosha, pasina kuita kuti ubhadhare muhoro kana wenguva dzose mari. Unogona kuzviita nenzira yakapusa uye yakapusa.
Kukanganisa kwekubhadhara kwako
Pane zvinopesana, chaiwo makadhi, uye zvingave sei zvimwe, zvinosanganisira akateedzana ekukuvadzwa mukushandisa kwavo uye kuti iwe unofanirwa kuziva nezvazvo. Zvekuti nenzira iyi, iwe unogona kuongorora kana yako kwete yekuhaya yakangwara kubva panguva dzino chaidzo. Nekuti hauzove nesarudzo kunze kwekutora zviitiko zvinotevera zvatinokufumura pazasi.
- Zvaunogumira: urwu rudzi rwemakadhi akasarudzika anoshanda chete pakutenga pamhepo. Kana izvi zvisiri izvo vavariro dzako, hongu iwe hauzove nezvakawanda mabhenefiti nazvo.
- Iwe unozotsamira pane izvo zvekare: hauzove nemari yakagadzikana yekutenga. Kana zvisiri, pane kudaro, zvinoenderana nechaji iwe zvaunogona kuita nguva dzese. Mupfungwa iyi, inogona kunge yakafanana neayo makadhi ekutanga. Iko kwauri iwe unofunga mari iyo ino kadhi inofanirwa kuve nayo.
- Iwe haugone kuishandisa kumaATM: makadhi ane hunhu uhwu haatenderi iwe kutora mari kubva kune otomatiki zvishandiso. Kwete chero chero mhando yemibvunzo kubva kumaATM anowanikwa kune echikwereti masangano.
Mabhangi anopa
Kubvumirana kwemakadhi chaiwo kunoenderana nehukama hwemushandisi nesangano rezvemari. Pasi peichi chikonzero, zvikwereti zvikwereti zvakafunga kuzviisa mune zvavo zvakajairika kupihwa kwezvigadzirwa zvemari. Mupfungwa iyi, Banco Santander, Bankia, BBVA, La Caixa kana Banco Sabadell vanofungisisa muenzaniso weaya maitiro. Iwo ari nyore kwazvo kuhaya uye anovavarira kune yakanyatsotsanangurwa mushandisi chimiro. Wechidiki wechidiki, ane hukama zvakanyanya nemaitiro matsva mukushandisa uye akajairira chaizvo nzira nyowani yetekinoroji zvimwe zvezvakanyanya kukosha.
Kana iwe uchizohaya chero eaya mamodheru, iwe unofanirwa kufunga kuti hazvikubhadhare iwe kana euro imwe. Iwo chete ma recharges aunoda kuita kuti utarisane nekutenga iwe kwaunoda kutarisana nako. Kune rimwe divi, iwe haugone kukanganwa izvo kuhaya maitiro dzinowanzo kumhanyisa uye dzakafanana neidzo dzetsika yemakadhi ebhangi. Kusvika padanho rekuti chaiwo makadhi iwe unogona kuvatsigira nekadhi rako rechikwereti kana rezvikwereti. Kushandiswa kwaro kwakasiyana zvachose uye nekudaro iwe unogona kuve neyese yeaya makadhi.
Makadhi chaiwo pamusika
Imwe yemienzaniso inojekesa iyi yekushandisa mushandisi inomiririrwa neinonzi iyo La Caixa cybercard iyo inoshambadzirwa neaya anotevera maitiro: iri rakangoita kadhi iro risingasanganisi mari yekunyoresa uye mari ye1% yezvechaji dzakagadzirwa. Mukuzara kuzere nezvigadzirwa zvakagadzirwa nemamwe masangano emari.
Chekupedzisira, chimwe chinhu chaunofanirwa kuongorora ndechekuti iri kirasi yezvigadzirwa zvebhengi rinofanirwa kuve nerudzi rwehukama nenzvimbo yemari. Semuenzaniso, inosanganiswa neakaundi account yakafanana. Kunyangwe zvese, ivo vari kuvandudza kuburikidza nzvimbo dzebhizinesi. Sechirongwa chekuvaka kuvimbika kwevatengi zvakanyanya zvinobudirira.