Amaxesha ngamaxesha uya kuba ujongene nombuzo ongunaphakade: uyalisebenzisa ikhadi letyala okanye lokuthenga? Kwaye kunokwenzeka ukuba, ngalo mzuzu, ngaphandle kokuba uneengcinga ezichazwe kakuhle zombini, awazi ukuba uphendule ngokuchanekileyo, okanye uthe usebenzisa ikhadi, kwaye awazi ngokuqinisekileyo ukuba yintoni.
Ke ngoko, namhlanje siza kuthetha nawe, hayi kuphela ukwazi umxholo wekhadi ngalinye, kodwa i Umahluko phakathi kwekhadi letyala kunye nekhadi ledebhithi. Ke, ngekhe uphinde ubenayo le ngxaki.
Lithini ikhadi lamatyala
Ikhadi letyala linokuchazwa njengeso sixhobo - ukhupha ibhanki ukwenza imisebenzi, nokuba yi-ATM, okanye ukuthenga iimpahla kunye neenkonzo ngetyala.
Lithini ikhadi ledebhithi
Ikhadi ledebit sisixhobo esibonakalayo ekhutshwe yibhanki kwaye ikuvumela ukuba uthenge iimpahla kunye / okanye iinkonzo kwi-debit, okanye imisebenzi yemali kwiATM.
Umahluko phakathi kwekhadi letyala kunye nekhadi ledebhithi
Ngaphandle kwento yokuba omabini la makhadi, kwiimeko ezininzi, ahlukile omnye komnye, inyani kukuba kukho umahluko othile ekufuneka waziwe, ngakumbi ukukhetha imveliso ethile yezemali okanye enye.
Ke, ezona ziphambili zezi zilandelayo:
Ubunini bemali
Ngaba ucinga ukuba ikhadi letyala kunye nekhadi ledebhithi, ngokuya egameni lakho, lithetha ukuba imali yeyakho? Inyani yile ayisiyiyo kanye. Kwikhadi letyala, imali ayiyiyo eyakho, kodwa yeyasebhankini. Elo xabiso unayo ngumgca wekhredithi otyalwa yibhanki yakho njengoko uchitha kodwa, kamva, unyanzelekile ukuba uyibuyise.
Kumakhadi etyala, ezi zidityaniswa neakhawunti yakho yokutshekisha, oko kukuthi, kwiakhawunti yakho yebhanki, ke imali oyisebenzisayo yeyakho. Ke ngoko, kwikhadi ledebhithi akukho mda wemali (kulungile, le unayo kwiakhawunti yakho, kunjalo). Okwangoku, kwikhadi letyala kunokubakho umda wemali abathi "bakuboleke", onokuba ngamawaka amabini, 2.000 okanye nangaphezulu.
Ukuqukumbela, kwikhadi letyala imali yeyasebhankini, ngelixa kwikhadi lebhanki yeyakho.
Iindlela zokuhlawula
Mhlawumbi lolunye umahluko omkhulu okhoyo phakathi kwamakhadi omabini, kuba nawo ahluka kakhulu omnye komnye. Umzekelo, kwikhadi ledebhithi, nakuphi na ukuthengwa okwenzayo ngayo kuya kubonakala kwangoko kwiakhawunti yakho yokutshekisha, kwaye kuya kuncitshiswa.
Kodwa Kwimeko yekhadi letyala, ixesha lokubuyisa loo mali uyichithileyo akufuneki ukuba ikhawuleze; Ngokwesiqhelo kukho ixesha, okanye ihlawuliswa emva kwenyanga kwiakhawunti yokujonga. Yonke into iya kuxhomekeka ekubeni ikhontrakthi oyityikityayo iyichaza njani. Kukho amaxesha apho iyonke into oyisebenzisileyo ihlawulwa ekupheleni kwenyanga, ehlawulwayo kwinyanga elandelayo, okanye ungade uhlawuliswe ngokomrhumo.
Ngamafutshane, ikhadi lebhanki lisusa imali kwiakhawunti yakho yebhanki kwangoko. Ikhadi letyala lilibazisa elo tyala okwethutyana ukuze ulihlawule.
Ikhadi letyala kunye nemida yekhadi ledebhithi
Ngaba uyazi ukuba amakhadi anemida? Oko kukuthi, ngaphaya kwelo "maximum", abayi kuba luncedo kuwe kuba ngekhe babe naluncedo kuwe. Ukwenza oku, kuya kufuneka uthathele ingqalelo oku kulandelayo:
Ikhadi ledebit lilinganiselwe kwimali onayo kwiakhawunti yakho yebhanki. Oko kukuthi, ukuba une-euro ezingama-1.000 1.001, nokuba ufuna kangakanani into exabisa i-XNUMX, ngekhe ukwazi ukuyithenga kuba uyakuswela loo euro (kwaye ibhanki ayizukuboleka yona).
Kwelinye icala, ikhadi lekhredithi ukuba uza kufumanisa ukuba linomda ophezulu, inani eliza kusekwa yibhanki yakho. Esi sixa-mali yile nto ibhanki "ekubolekisa ngayo", kuba, njengoko ubonile ngaphambili, imali ekweli khadi ayisiyakho, kodwa yeyebhanki, kwaye ibhanki ayinayo ikhredithi engenamda kuwe. Kwaye ngubani umda abawubekayo? Ewe, konke kuxhomekeke kumandla akho okubuyisa loo mali.
Amaxesha amaninzi ukubuyiswa kwentlawulo yeakhawunti yangoku, zithatha njengereferensi ibhalansi onayo kwiakhawunti yakho kwaye, ngokusekwe kuloo nto, babale ukubanakho ukubuyisa imali yakho.
Ukukhupha imali
Omnye umahluko phakathi kwekhadi letyala kunye nekhadi lokutsala yinyani yokukhupha imali. Kwisandle esinye, kwikhadi ledebhithi, xa urhoxa kwi-ATM, okanye ebhankini, oko akuthethi ukuba uneendleko (kuba uthatha imali yakho). Kwelinye icala, kwimeko yamakhadi etyala, izinto ziyatshintsha, kuba apha kuya kufuneka uhlawule iikhomishini ngokuthatha kunye nekhadi. Kwaye ngamanye amaxesha ezo khomishini zinokuba phezulu kakhulu, ke yigcine engqondweni.
Olunye umahluko
Ukongeza kwezi sizibonileyo, ezinokubaluleka kakhulu, kukho ezinye iintlobo zomahluko. Umzekelo:
- Ezokhuseleko. Kwi-debit card akukho siinshurensi, unokuthintela okanye urhoxise; Ngelixa, ngetyala, ngenxa yokuba iyimali yebhanki, unayo i-inshurensi yokulwa ubusela.
- Ukuqesha. Xa unekhadi ledebithi, kusenokungafuneki ukuba uhlangabezana neemfuno ezininzi; Nangona kunjalo, umvuzo, ipenshini okanye okufanayo kubalulekile kwikhredithi.
- Izaphulelo. Kuba kwamanye amaziko, iivenkile, izikhululo zegesi ... kunokuba nezibonelelo zokuhlawula ngamakhadi etyala (endaweni yekhredithi okanye imali).
Yeyiphi engcono, ikhadi letyala okanye ikhadi lebhanki?
Ngoku ukuba uyazi umxholo wamakhadi omabini, kunye nolwahluko ophambili, leliphi elithathwa njengelona lilungileyo? Kuya kufuneka uyazi ukuba akukho mntu ubhetele kunenye. Zombini zilungile kodwa zilungiselela iimfuno ezahlukeneyo. Ke, ngumntu ekufuneka ethathe isigqibo sokuba yeyiphi kwezi zimbini ezifanelekileyo kubomi babo.
Iingcali zibonisa ukuba, xa kukho ukuthenga okukhulu, okanye kufuneka uthenge into, ngokomgaqo, ongenakuyihlawula ngokungabinayo imali eseleyo kwiakhawunti, inokuba ichanekile - ube nekhadi letyala endaweni yekhadi lebhanki, yenzelwe ukukhupha ii-ATM, iintlawulo ezincinci, okanye unayo imali eyaneleyo yokuhlawula ngokufanelekileyo into ofuna ukuyithenga.
Uninzi luba neentlobo zombini zamakhadi, kwaye uwasebenzise ngokungafaniyo ngokweemfuno zabo. Inyani yile yokuba akukho nto ibhetele okanye imbi ngaphandle kokuba iimeko apho ibhanki ibonelela ngazo zikwenzakalisa ngandlela thile (inzala, ulondolozo ...). Kwimeko enjalo, kuya kufuneka uthathe isigqibo sokuba uhlawule ngaphezulu.
Ukuba ufuna ukwazi yonke into malunga neVisa kunye neMastercard yekhadi kunye namakhadi etyala, oku kukunika umdla:
