Amakhadi ayiyomveliso ehambelanayo, kude nayo. Kukho iifomathi ezahlukeneyo kwintengiso ukuze ubhalise nangaliphi na ixesha ngabasebenzisi. Kuzo zonke iimeko, banelisekile yindlela yokubhatala esebenza kuyo Iintlawulo zobuso naluphi na uhlobo. Ngale ndlela, amaziko asebhankini athathe isigqibo sokuyiguqula le mveliso ukuba ihambelane nezona mfuno zabathengi babo. Apho ukubonakala kwezinto zetekhnoloji entsha kukhuthaza ukuvuselelwa rhoqo. Kuba amakhadi awasafani nalawo ebesetyenziswa kwiminyaka embalwa edlulileyo. Ziyavela kwaye isampulu yale meko imelwe ngamakhadi abizwa ngokuba yinyani.
Amakhadi abe ngu iindlela zentlawulo kwindalo iphela. Sele inqabile kumntu ongenayo enye yazo, nokuba yeyiphi na imodeli: ikhredithi, idebhithi, inyani okanye ezinye iifomati zangoku okanye ezintsha. Bahlala bekho kwisipaji sakho de bathathe indawo yemali ebonakalayo. Hayi lilize, ukufikelela kwayo kwenziwe kwalula kakhulu kwaye zineemfuno ezimbalwa kakhulu onokufumana enye yazo ezandleni zakho. Nangona kwezinye iimeko kuyakufuneka ngokupheleleyo ukuba uthathe iikhomishini okanye inkcitho yolawulo okanye yolondolozo lwayo, kuxhomekeke kwikhadi ongene ngalo.
Kakhulu kangangokuba ngokwedatha yamva nje ekhutshwe yi-Mastercard ibonisa ukuba i-82% yabasebenzisi baseSpain sele benekhadi letyala. ikhredithi, idebhithi okanye ohlawulwa kwangaphambili. La manani amele ukwanda okungaphezulu nje kwe-8% xa kuthelekiswa nemeko yonyaka ophelileyo. Ngayiphi na imeko, amakhadi etyala ahlala eyindlela ekhethiweyo yokuhlawula phantse iipesenti ezingama-75 zokhetho. Kulandelwe ngokulandelayo ngamakhadi etyala akwiakhawunti ye-5% yentengiso. Ngelixa ngokuchaseneyo, ezo zichazwe njengezihlawulwa kwangaphambili ziseyimbinana phakathi kwabantu baseSpain njengoko bengakhange babonakalise ngaphezulu kwe-23% yemfuno yehlabathi kunyaka ophelileyo.
Umkhwa wokugqibela: amakhadi abonakalayo
Ngayiphi na imeko, imeko ethe yonyuka kukhetho lwabathengi yile yamakhadi abonakalayo. Kodwa ngaba uyazi ngokwenene ukuba ziyintoni kwaye ziqulathe ntoni? Kungenxa yokuba oko kuthetha ukuba kuyavuselelwa kule klasi yemveliso ukuya kwinqanaba lokuba kuyo yamkelwe kakhulu ngabasebenzisi abancinci ezizisebenzisayo ngamanye amaxesha ukwenzakalisa ezinye iimodeli zesiko. Ukongeza, amaziko emboleko akwazile ukuphendula kweli bango likhethekileyo kwaye phantse zonke iibhanki zineplastiki yezi mpawu. Ngaba le yimeko yakho?
Kungenxa yokuba amakhadi abonakalayo ayizizo iiplastiki zokusebenzisa kodwa ngokuchaseneyo agcina isazisi sawo, njengoko uza kubona ngezantsi. Kunokuthiwa amakhadi abonakalayo yimveliso yentlawulo engenayo iimeko zomzimba zekhredithi okanye amakhadi etyala. Le yenye yeempawu zayo eziphambili ukusukela nangona benomzimba wenyama, abanazo izibonelelo ezifanayo njengamanye amakhadi ebhanki. Ayothusi into yokuba zisetyenziselwa ikakhulu ukwenza iintlawulo zokuthenga kwi-Intanethi. Kungoko uqikelelo olukhulu abanalo phakathi kwabasebenzisi abatsha.
Isixhobo kwezi plastiki
Kwelinye icala, kufanelekile ukukhankanya ukuba la makhadi aya kubandakanya inani kunye nomhla wokuphelelwa kwalo ngokungathi likhadi letyala okanye ledebhithi. Kule meko akukho mahluko. Apho ukuba zikhona, kungenxa yokuba zenziwe ngamanye amanyathelo okuhambelana, anje nge isiqinisekiso sentengiselwano ngePIN nakwezinye iimeko ngesiqinisekiso ngekhowudi efunyenwe ngeSMS. Oko kukuthi, banokhuseleko oluphezulu lokuqhuba imisebenzi. Ngaphandle kweenkonzo ezinikezelwa yile ndlela yoqobo kunye neendlela ezintsha zokuhlawula.
Ewe, elinye lamagalelo abo amakhulu lilele kwinto yokuba bayakuvumela ukuba ugcine ulawulo olungqongqo ngakumbi lwezezimali zakho. Phakathi kwezinye izizathu kuba awungeni ematyaleni ekusebenzeni ungajolisisi iintshukumo zezavenge. Kwelinye icala, ezona zilunge kakhulu zithambekele ekuphuhliseni naluphi na uhlobo lwe ukuyithengisa ngekhompyutha. Ukusuka ekufumaneni imodeli yefowuni yamva nje ukuya kugcino lweholide. Ziye zahlengahlengiswa kwimikhwa yamvanje kwicandelo labathengi. Le nto ibenza babe luncedo kuzo zonke iintlobo zabasebenzisi, ukuba nje banobudlelwane obusebenzayo kunye neetekhnoloji ezintsha.
Izinto eziluncedo kule ndlela yokuhlawula
Enye yezinto ekufuneka uziqwalasele ukusukela ngoku zizibonelelo ezinokuthi zenziwe ngeplastiki yezi mpawu. Njengokuba, zininzi kwaye zahlukile ngokwendalo, njengoko uza kubona ukusukela ngoku. Kungenxa yokuba zimele enye yezona ntlukwano zibalulekileyo ngokubhekisele kokukhona amakhadi ebhanki emveli. Ezi zezinye zezona zibonelelo zibalulekileyo ezibonelelwa yile mveliso yezemali.
- Ukuguquguquka kwayo okukhulukuba nguwe othatha isigqibo semali yokuhlawula amatyala ekufuneka ubonelele ngeplastiki yakho ebonakalayo. Ngale ndlela, ibhalansi okanye ibhalansi yeakhawunti yakho yobuqu ayinakuguqulwa. Ngale ndlela, kuthwala ukufana okukhulu kumakhadi etyala.
- Ukhuseleko lwentlawulo: kubandakanya inkqubo ekhusela wena kwiimeko ezithile ezingafunekiyo, njengokulahleka kwabo okanye ukubiwa. Ngophawu lobunyani olunikezwe kolu hlobo lwekhadi.
- Iindleko ezifikelelekayo kakhulu: Awunakulibala ukuba ezi plastiki zingabizi kakhulu kwimarike. Akukho ngelize, simahla kwaye awuyi kuba neendleko kulawulo lolawulo. Ngokungafaniyo namakhadi etyala okanye okuthenga ngetyala afuna ukuhlawulwa okungagungqiyo minyaka le.
- Ukufikelela ngokulula kakhulukwelinye icala, ngekhe ube nezithintelo ezininzi zokuzibhalisa kwiintsuku ezimbalwa ezizayo. Kuphela ngumnqweno wakho wokuba nayo kwipotifoliyo yakho oya kubakho, ngaphandle kokufaka igalelo kwimivuzo okanye kwingeniso eqhelekileyo. Ungabenza ngokusemthethweni ngokusesikweni nangendlela elula.
Iingxaki zokuqesha kwakho
Ngokuchasene noko, amakhadi abonakalayo, kwaye inokuba yeyiphi enye indlela, kubandakanya uthotho lomonakalo ekusebenziseni kwabo kwaye kufuneka uyazi ngazo. Ukuze ngale ndlela, uvavanye ukuba ukuqesha kwakho kububulumko na kula maxesha. Kuba awuzukukhetha ngaphandle kokucinga ngezi meko zilandelayo sikubhengeza ngezantsi.
- Imida yakho: Olu hlobo lwamakhadi awodwa asebenza kuphela ekuthengweni kwe-Intanethi. Ukuba ayizizo iinjongo zakho, ewe awuyi kuba nezibonelelo ezininzi ngazo.
- Uya kuxhomekeka kwimirhumo kwakhona: ngekhe ube nebhalansi ezinzileyo yokuthenga. Ukuba akunjalo, ngokuchaseneyo, kuya kuxhomekeka kwimvuselelo onokuyenza ngalo lonke ixesha. Ngale ndlela, inokufana nalawo amakhadi okulayisha kwangaphambili. Uphi wena othatha isigqibo semali ekufuneka ibeneli khadi.
- Awunakho ukuyisebenzisa kwii-ATMAmakhadi anezi mpawu awakuvumeli ukuba urhole imali kwizixhobo ezizenzekelayo. Nokuba loluphi na uhlobo lwemibuzo evela kwiiATM ezikhoyo kumaziko emboleko.
Amabhanki ayanikela
Ukwenza ikhontrakthi kwamakhadi abonakalayo kunxulunyaniswa ngqo nobudlelwane bomsebenzisi neziko lezemali. Ngaphantsi kwesi siseko ngokubanzi, amaziko amatyala athathe isigqibo sokuwafaka kwesiqhelo Unikelo lweemveliso zemali. Ngale ndlela, iBanco Santander, Bankia, BBVA, La Caixa okanye iBanco Sabadell bacinga ngemodeli yezi mpawu. Kulula kakhulu ukuqesha kwaye zijolise kwiprofayile yomsebenzisi echazwe kakuhle. Umntu osemtsha, onxulumene ngokusondeleyo neendlela ezintsha zokusetyenziswa kunye nokuziqhelanisa neendlela ezintsha zobuchwephesha zezona zibalulekileyo.
Ukuba uza kuqesha nayiphi na le modeli, kuya kufuneka ucinge ukuba ayizukuxabisa i-euro enye. Kukuphinda uvuselele izinto ofuna ukuzenza ukujongana nezinto ozithengileyo ekufuneka ujongane nazo. Kwelinye icala, awungekhe uyilibale loo nto iinkqubo zokuqesha zihlala zikhawuleza kakhulu kwaye ziyafana nezo zekhadi lebhanki lendabuko. Ukuza kuthi ga kwinqanaba lokuba amakhadi anyanisekileyo ungawancedisa kwikhadi lakho letyala okanye lokuthenga. Ukusetyenziswa kwayo kwahluke ngokupheleleyo kwaye ngenxa yoko unokuba nelinye kula makhadi.
Amakhadi aqinisekileyo kwintengiso
Omnye wemizekelo ocacisa le mfuno yomsebenzisi uboniswa yinto ebizwa ngokuba yiyo La Caixa cybercard Ithengiswa ngezi mpawu zilandelayo: likhadi elibonakalayo elingabandakanyi umrhumo wobhaliso kunye nenkcitho ye-1% yokuhlawulwa kwakhona. Ngokuvisisana ngokupheleleyo neemveliso eziyilwe ngamanye amaziko emali.
Okokugqibela, enye into ekufuneka uyivavanyile kukuba olu didi lweemveliso zebhanki kufuneka zibe nohlobo lobudlelwane neziko lezemali. Umzekelo, unxulunyaniswa neakhawunti yebhanki efanayo. Ngaphandle kwayo yonke into, bayaphuhlisa ngokusebenzisa amaziko oshishino. Njengesicwangciso sokwakha ukuthembeka kwabathengi ngokufanelekileyo ngakumbi.