Ndeipi kadhi yakanyatsokodzera nzira yako yekushandisa?

Kiredhiti kana kiredhiti kadhi? Ndiwo mubvunzo watinowanzo kuzvibvunza patinosarudza imwe kadhi kana imwe. Uye ndizvozvo zviri nyore kwazvo kuvhiringidza makadhi ese ari maviri. Misiyano iri pakati pavo inozivikanwa, asi kushomeka kweruzivo rwemari kunotungamira vazhinji mukuvhiringidzika uye kushandisa makadhi ese ari maviri pazvinangwa zvakafanana.

Izvo zvakakosha kuti uzive mutsauko uripo pakati pezviviri, kuti iwe ugone kusarudza kuti ndeipi inonyatsoenderana nezvido zvako nezvaunoda.

Kazhinji, zvinokurudzirwa kushandisa iyo makadhi ekubhadharira kune vanhu vanonyanya kufunga nezvevatengi, apo iyo makadhi echikwereti anotarisirwa kune vanhu vanehunhu hwakanyanya mukugadzirisa kwavo mari.  

Izvo zvakakosha kuti uzive iyo dmisiyano uye kufanana kweimwe uye imwe kukwanisa kuishandisa nemazvo. Sezvo iwe uchigona kuwana ese maviri madhibhiti makadhi uye makadhi echikwereti akasununguka mumabhangi masangano.

Chii chinoita kuti kadhi rega rega rive rakasiyana?

Debit kadhi

Makadhi ekubhengi ari yakabatana neakaundi yedu yekutarisa. Kana isu tichitenga chigadzirwa, kungave online kana muchitoro chemuviri, muripo unobva waitwa kuakaundi yedu yekutarisa. Kana isu tisina chiyero muaccount yedu, kadhi racho raizopa kukanganisa. Iko kuvhiya kwaizorambwa neyakagadzwa uye kutenga kwaisakwanisa kuitwa.

Iri kadhi haina kuitirwa senzira yekutsigira mari, asi senzira yekubhadhara. Chinja mari kubva kuaccount yedu yekutarisa kuenda kumaakaundi ebhengi ezvitoro kwatinotenga.

Vanotibvumidza kuita maTransfer uye kubvisa mari yatinoda chero maATM nemahofisi ebhangi. Idzi inzira dzekubhadhara dzinotitendera kuti tive nemari yatakachengeta muakaundi yedu yebhangi.

Kugadzira zvakajairwa kutenga senge muzvitoro, fashoni, nezvimwe ... makadhi ekubhengi ndiyo sarudzo yakanyanya kunaka, nekuti hatifaniri kubhadhara mubereko chero ipi zvayo sezvo guta rese rakaburitswa kubva mune zvakachengetwa zvakaiswa muaccount yedu yekutarisa.

Kugona kutora kiredhiti kadhi zvakakosha kuti uve neakaundi yekutarisa kubhangi rakatipa kadhi.

Makadhi ekubhadharira anobatsira zvikuru, sezvo achitibatsira kuteedzera zvatashandisa uye zvinotibvumidza kutarisa bhalansi iripo pakadhi redu.

Kuti usapfuure kana uchitenga, mutengi anogona kubvumirana pamuganhu wezuva nezuva wekushandisa nebhangi. Nenzira yekuti, kunyangwe kana paine mari inokwana iripo, mashandiro haakwanise kuitwa kana muganho uyu wadarika.

Mari yechikwereti yemakadhi yakachipa pane mari yemakadhi echikwereti. Zvichienderana nebhangi, huwandu hungasiyana. Kunyangwe ichifanira kucherechedzwa kuti mamwe masangano haamanikidze chero mhando yekomisheni pamakadhi ekubhengi.

Kadhi-kadhi

Kiredhiti kadhi, kunze kwekunge iri nzira yekubhadhara, zvakare ivo inzira yemari Uye, pamwe, ndosaka ivo vakaomesesa kupfuura makadhi ekubhengi.

Kana tave kuenda kunotenga, kungave muzvitoro zvepanyama kana muzvitoro zvepamhepo, maitiro anochinja. Rudzi urwu rwekadhi, kusiyana nemakadhi ekubhengi, bvumidza iwe kuti utenge usina huwandu hunodiwa mune yedu yekutarisa account.

Kazhinji mubhadharo unodzoreredzwa kweinenge mwedzi. Kana zuva rinofungidzirwa rapera, mutengi anofanirwa kubhadhara huwandu hwechikwereti. Semutemo wakazara, kazhinji kacho account inosanganisirwa nekadhi mari iripo uye chikwereti chinounganidzwa zvakananga.

Kana kushaya mari kunoshanda mubereko izvo zvinogona kubva kubva asi, kana iwe usina mari, kiredhiti kadhi chikwereti chichavhurwa, izvo zvinogona kuve pakati pe12 ne20%.

Iwo makomisheni emakadhi echikwereti anowanzo kuve akakwirira kupfuura emakadhi ekubhengi.

Kiredhiti kadhi vane wepagore kuburitswa uye kugadzirisa mutengo. Uye kubvisa mari kubva kumaATM kunosanganisirawo mutengo wakakwira unosvika makumi maviri muzana.

Iyo poindi inotsigira aya makadhi ndeyekuti, munguva yekukurumidza, Kunyangwe iwe usina mari yakakwana, unogona achiri kutenga.

Pane misiyano mizhinji pakati pemhando mbiri dzekadhi, ikozvino ndiwe unofunga kuti ndeipi yaunonyanya kufarira.