Leliphi ikhadi elilungele eyona ndlela uyisebenzisayo?

Ikhadi letyala okanye ledebhithi? Lowo ngumbuzo esihlala sizibuza wona xa ukhetha uhlobo olunye lwekhadi okanye olunye. Kwaye kunjalo Kulula kakhulu ukubadida omabini amakhadi. Umahluko phakathi kwabo uyaphawuleka, kodwa ukunqongophala kolwazi lwezezimali kukhokelela kuninzi ekudidekeni nasekusebenziseni omabini amakhadi ngeenjongo ezifanayo.

Kubalulekile ukuba wazi umahluko phakathi kwezi zimbini, ukuze ukwazi ukuthatha isigqibo sokuba yeyiphi efanelekileyo kwiimfuno zakho kunye neemfuno zakho.

Ngokubanzi, kuyacetyiswa ukuba kusetyenziswe Amakhadi etyala kubantu abagxila ngakumbi kubathengi, Ngelixa Amakhadi etyala ajolise kwabona bantu baqeqeshwayo ekulawuleni iimali zabo.  

Kubalulekile ukwazi ukuba dUmahluko kunye nokufana komnye nomnye ukuze ukwazi ukuzisebenzisa ngokuchanekileyo. Kuba ungafumana omabini amakhadi etyala kunye amakhadi etyala asimahla kumashishini ebhanki.

Yintoni eyenza ikhadi ngalinye lahluke?

Ikhadi lokudibanisa

Amakhadi etyala idityaniswe neakhawunti yethu yokujonga. Xa sithenga imveliso, nokuba ikwi-intanethi okanye kwivenkile ebonakalayo, intlawulo yenziwa kwangoko kwiakhawunti yethu yokujonga. Ukuba asinayo imali eseleyo kwiakhawunti yethu, ikhadi liya kunika impazamo. Umsebenzi awuzukuvunywa ngokusekwa kwaye ukuthengwa akunakwenziwa.

Eli khadi ayenzelwanga njengesixhobo senkxaso mali, kodwa njengendlela yokuhlawula. Dlulisela imali kwiakhawunti yethu yokukhangela uye kwiakhawunti yebhanki yeevenkile esithenga kuzo.

Bayasivumela ukuba sigqithise kwaye sikhuphe imali esiyifunayo kuyo nayiphi na iATM nakwiiofisi zebhanki. Zindlela zokuhlawula esivumela ukuba sibe nemali esiyigcinileyo kwiakhawunti yethu yebhanki.

Ukwenza izinto eziqhelekileyo ezithengwayo ezinjengevenkile ezinkulu, ifashoni, njl. ... amakhadi etyala yeyona nto ilungileyo, kuba akukho mfuneko yokuba sihlawule inzala nangaluphi na uhlobo Kuba yonke imali eyinkunzi ikhutshiwe kulondolozo olufakwe kwiakhawunti yethu yokujonga.

Ukuze ube nakho ukufumana ikhadi lebhanki kubalulekile ukuba ube neakhawunti yokutshekisha ebhankini ebisinike ikhadi.

Amakhadi etyala aluncedo kakhulu, kuba asinceda sigcine inkcitho yethu kwaye asivumele ukuba sijonge ibhalansi ekhoyo kwikhadi lethu.

Ukuze ungagqithisi xa uthenga, umthengi angavumelana ngemida yenkcitho yemihla ngemihla kunye nebhanki. Ngendlela yokuba, nokuba imali eyaneleyo ikhona, umsebenzi awunakwenziwa ukuba lo mda ugqithile.

Imirhumo yamakhadi etyala ibiza ixabiso eliphantsi kuneemali zekhadi letyala. Kuxhomekeka ebhankini, imali inokwahluka. Nangona kufanele kuqatshelwe ukuba amanye amaziko awanyanzelisi naluphi na uhlobo lwekhomishini kumakhadi etyala.

Ikhadi letyala

Amakhadi etyala, ngaphandle kokuba yindlela yokuhlawula, nayo ziyindlela yokuxhasa ngemali Kwaye, mhlawumbi, yiyo loo nto intsonkothe ​​ngakumbi kunamakhadi etyala.

Xa siza kuthenga, nokuba kukwivenkile ebonakalayo okanye kwiivenkile ezikwi-Intanethi, inkqubo iyatshintsha. Olu hlobo lwekhadi, ngokungafaniyo namakhadi etyala, ikuvumela ukuba uthenge ngaphandle kobungakanani obuyimfuneko kwiakhawunti yethu yokujonga.

Ngokwesiqhelo iintlawulo ziye zimiselwe malunga nenyanga. Wakuba umhla oqikelelweyo uphelile, umthengi kuya kufuneka ahlawule isixa setyala. Njengomgaqo ngokubanzi, kwiimeko ezininzi iakhawunti ehambelana nekhadi imali ikhona kwaye ityala liqokelelwa ngqo.

Xa kwenzeka ukungabinamali kuya kusebenza nenzala ezinokuthi ziqale kodwa, kwimeko apho ungenayo imali, Inzala yekhadi letyala iya kusebenza, enokuba phakathi kwe-12 kunye ne-20%.

Amakhomishini akumakhadi etyala ahlala ephezulu kakhulu kunamakhadi etyala.

Amakhadi etyala anemali yokukhutshwa kunye nokugcinwa konyaka. Ukurhoxisa imali kwii-ATM kubandakanya indleko eziphezulu ezimalunga ne-20%.

Inqaku elithanda la makhadi kukuba, ngomzuzu ongxamisekileyo, Nokuba awunayo imali eyaneleyo, usengayithenga.

Umahluko phakathi kwazo zombini ezi ntlobo zamakhadi, ngoku nguwe ogqiba ukuba yeyiphi oyithandayo.