Liyini ikhadi elibonakalayo?

El ezentengiselwano ze-elektroniki Akusona isithembiso sesikhathi esizayo, noma umkhuba, kuyinto engokoqobo eSpain naseYurophu. Ake sixoxe kancane ngayo ukuhweba ngogesi eSpain. Kuyizwe lesine elinemisebenzi eminingi ye-inthanethi eYurophu, yize kunenkinga eseyikhona iminyaka engaphezu kwengu-21 ezweni lethu. Kulinganiselwa ukuthi iSpain ngayinye yathenga ama-2015 ku-inthanethi ngo-661,62, yachitha isilinganiso esingu- € 10,8 lilinye. Sikhuluma ngama-euro ayizigidi eziyizinkulungwane eziyi-XNUMX ekuthengisweni kwe-inthanethi.

Kepha, naphezu kwalokhu, kukhona ukwesaba kubantu abangajwayele. ukuhweba kwe-electronic, ukubhuka kukhulu: ukwesaba ukuthengiselana ngenkohliso, ukwebiwa kobuwena, izindleko eziphakeme kunalezo ezihleliwe, ngisho nokuvuza kwedatha.

Into ehamba phambili kulaba bantu yi- ukusetshenziswa kwamakhadi abonakalayo, umkhiqizo wezezimali, okhululekile ezikhungweni eziningi zezezimali, ovikela ukuphepha futhi oshiya konke ukwesaba okukhulunywe ngakho ngenhla ngaphandle kwezimpikiswano. Namuhla sifuna ukukusiza ukuthi wazi kangcono lokho abayikho, abasebenzela khona kanye namakhadi abonakalayo kulo nyaka, kusacatshangwa ukuthi kusakhula.

Ayini amakhadi abonakalayo?

Amakhadi we-Virtual ukulingiswa kwekhadi ledebithi elikhohlisayo, okusiza ukufihla ubunikazi beqiniso bomnikazi. Kungumkhiqizo owenzelwe ngqo ukuthengwa kweselula noma kwe-inthanethi. Amabhange amaningi asevele anikela ngale nsizakalo: ku-akhawunti yakho yasebhange, ungakha ikhadi, ongangezela kulo noma ususe ibhalansi kwi-akhawunti yakho ejwayelekile.

Leli khadi linenombolo nesikhathi sokuphelelwa yisikhathi, kodwa hhayi igama lomuntu. Ibhizinisi ngalinye linezinqubomgomo zalo, kepha imvamisa yonke into ingalungiswa: ibhalansi, usuku lokuphelelwa isikhathi lingakhethwa yikhasimende.

Isibonelo, unga dala ikhadi elibonakalayo lokho kune- € 300 yebhalansi nokuthi usuku lokuphelelwa yisikhathi lungakapheli isonto.

Liyini ikhadi elibonakalayo?

Ungomunye wemibuzo ebuzwa kakhulu ngu amaklayenti ezikhungo zezezimali zaseSpain, kufaka phakathi i-Santander, i-BBVA, i-La Caixa, i-Liberbank noma i-Sabadell: ayini la makhadi abonakalayo?

Kokubili kulula kakhulu futhi kuyinkimbinkimbi, ngoba ukusetshenziswa nezinzuzo kuningi futhi kungxoxo efasiteleni lakho lasebhange, kungahle kungabi yindawo engcono yokuthola. Ngalokho sizokusiza.

Liyini ikhadi elibonakalayo?

• Uvikela ubuwena
• Amakhadi we-Virtual anomusa ngokwanele ukufihla ubunikazi bomnikazi wekhadi. Kungani lokhu kuwusizo?
• Kuzokusiza ngaphezu kwakho konke ukugwema ukweba nokwebiwa kobunikazi, ngoba kunama-software amaningi alandelela abanikazi bama-akhawunti asebhange asetshenziswayo, asebenzise ngisho ne-malware kumakhompyutha kulokhu.
• Ngale ndlela, ngeke bakwazi ukwazi umnikazi wekhadi elibonakalayo, ngoba alikho. Kungumthombo owesabekayo wobumfihlo.
• Ugwema ukusetshenziswa ngokweqile ku-akhawunti yakho yasebhange

Una ikhadi elibonakalayo liyinto efana namakhadi amadala akhokhelwa kuselula: ungangeza ibhalansi noma uyisuse, futhi uphathe leyo mali kuphela.
Sizokunikeza isibonelo esilula: uzothenga iBlue Ray kusuka ku- "The Walking Dead" ebiza ama- € 99, ​​futhi i-akhawunti yakho yasebhange ineholo lakho lonke lama- € 900. Nganoma yisiphi isizathu, izindleko zangempela ngu- € 108, ngoba awuzange ubale izindleko zokuhambisa.

Kulula, ekhadini elibonakalayo ufaka u- € 100 kuphela, futhi ngaleyo ndlela ugweme izindleko zokumangala. Sibeke isibonelo esincane, kepha kungaba izindleko ezibalulekile ezingangeza kuwe.

Ungakwazi, ngokwesibonelo, ukwabela inani elithile le- bethenga nge-inthanethi, ngaphandle kokwesaba ukweqa isabelomali onaso.

Noma ngubani angayisebenzisa

Inzuzo encane eyaziwa futhi esetshenzisiwe ye- amakhadi abonakalayo, ukuthi zaziwa kabanzi futhi zisetshenziswa yinoma ngubani ukwenza noma yikuphi ukuthengiselana online. Amabhizinisi amaningi kagesi amukela amakhadi wesikweletu wangempela, enikeza inkululeko kumthengi ukuyisebenzisa, futhi ungayisebenzisa noma kuphi emhlabeni.

Lokhu kuzokuvumela 'uboleke imali ngaphandle kwesidingo sokuyiphatha. Wakha ikhadi elibonakalayo, bese ulinika izingane zakho noma abashana bakho, ukuze bakwazi ukuthenga futhi ulawule izindleko zabo ngaphandle kwanoma iluphi uhlobo lwengozi yobumfihlo noma izindleko ezeqile.

Nciphisa isikhathi sempilo esele yakho

Ngaphezu kokukwazi ukukhawulela ibhalansi yekhadi elibonakalayo, ukugwema ukukhokhiswa ngaphandle kwalokhu obe kuhlelwe, ungasetha nosuku lokuphelelwa yisikhathi.

Yini engakwenzela yona?

Kalula, uma othile ebamba idatha, impilo yekhadi incane, futhi ngeke bakwazi ukuyisebenzisa ngaphezu kwebhalansi nosuku lokuphelelwa yisikhathi.
Ngaphezu kwalokho, bayinika umlingiswa wamakhadi alahlwayo, okuyisisekelo samakhadi abonakalayo, njengamakhadi akhokhelwa kuselula yakho. Akukho ukuguquguquka emgomweni wakho

Okuhamba phambili kwalokhu amakhadi abonakalayo, ukuthi azikwazi ukusetshenziswa ngaphandle kwezinhloso zazo zokuqala. Okusho ukuthi, uma wenza ikhadi elibonakalayo esikhungweni sakho sezezimali, alikwazi ukusetshenziswa, ngokwesibonelo, endaweni ebonakalayo enikeza izinombolo, futhi nguwe kuphela noma ubani onenombolo yekhadi, ongalisebenzisa.

Uzivikela kuma-hacks

Uyakhumbula ukugenca kuka-Ashley Madison? Uma kungenjalo, sizokutshela ngokushesha. Kuyisayithi lokuhlangana kwezocansi. Isigebengu santshontsha sashicilela imininingwane yezigidi zamakhasimende aso emhlabeni wonke, kufaka phakathi osopolitiki, osaziwayo nabantu ... kufaka phakathi amakhadi abo esikweletu.

Nge ikhadi elibonakalayo Ugwema lolu hlobo lomcimbi futhi uvikele ukungaziwa kwakho nokuphepha kwakho, ngaphezu kwakho konke.

Ngale ndlela ugwema ukusetshenziswa kuphela lapho idatha ingantshontshwa kumawebhusayithi lapho uthenge khona, uma kungavikelwe, lelo sayithi, imininingwane yamakhasimende ayo ngendlela efanele.

Yini okungewona amakhadi we-virtual?

Ngokusobala, kufanele sikutshele izinto ezingafanelanga amakhadi akho abonakalayo, ngoba nje awekho. Sikutshela izimo lapho kungafanele usebenzise khona amakhadi abonakalayo.

Izinkokhelo zezikhathi ezithile

Kukhona services ngaphansi kokubhalisa noma indlela yobulungu, njenge-Netflix, i-Yomvi, noma amanye amasevisi akhokhwa ngezikhathi ezithile, futhi angaba amasevisi afana nohlelo noma isoftware yomsebenzi wakho.

Ngokwemvelo, ukuphelelwa isikhathi kwalawa makhadi kuncane. Yisebenzise kuphela uma ufuna ukukhawulela ukusetshenziswa kwensizakalo futhi isebenze kuphela isikhathi sekhadi lakho. Ngale ndlela ugwema ukukhohlwa lapho wenza inkokhelo ekhadini lakho elijwayelekile.

Kunoma ikuphi, sincoma ukungayisebenzisi lezi zinhloso, ingqikithi yamakhadi abonakalayo kufanele alahlwe, asetshenziswe futhi alahlwe.

Ukuthola imbuyiselo

Un ukuphazamiseka kokuthenga ngamakhadi abonakalayo okuwukuthi, uma uthenga i-mobile online, ngokwesibonelo, futhi yafika inamaphutha futhi ucela ukubuyiselwa imali, uzoba nezinkinga, ikakhulukazi uma ikhadi selivele liphelelwe yisikhathi.

Uma uzothenga okuthile okubandakanya ukushintshana noma ukubuya, qala ubheke esitolo inqubomgomo yabo yamakhadi abonakalayo, ukugwema izinkinga, yize ukusetshenziswa kwawo sekujwayelekile, kusenamabhizinisi amaningi angenayo inqubomgomo ecacile yokuphathwa lolu hlobo lwemikhiqizo.

Ungalitholaphi ikhadi lami elibonakalayo?

Iningi lezikhungo zezezimali selivele linalo lolu hlelo olucelwa ngabaningi, abanye baze baphoqelele ukusetshenziswa kwalo ekuthengisweni kwe-inthanethi, ngaleyo ndlela bavikele ukuphepha kwamakhasimende abo, noma ngabe bayayifuna noma cha.

Uma ufuna ukusebenzisa ikhadi elibonakalayo, futhi ufuna ukwazi izinzuzo, sibuyekeze okuhle kakhulu amakhadi abonakalayo emakethe eSpain, ngezindleko zabo kanye nobuhle babo ngamunye. Iningi lazo likhululekile kumakhasimende noma izindleko zalo ziphansi kakhulu. Kwezinye izinhlangano azishicileli imibandela yokusetshenziswa, futhi sibeke "Ukubonisana".

UBUTHO	IZINDLEKO	DESCRIPTION
BBVA	Mahhala	Ungayihlobanisa nohlelo lokusebenza lweselula yakho, futhi ube nokungaziwa ngokuphelele ekusetshenzisweni kwamakhadi akho.
Unicaja Bank	Mahhala	Akulona ikhadi elikhokhelwa kusengaphambili, futhi ungalilawula kusuka ehhovisi lakho elibonakalayo.
Liberbank	Ukubonisana	Isebenza njengekhadi elikhokhelwa ngaphambi kokunikeza ukungaziwa. Unomshuwalense uma kwenzeka kwebiwa noma ukukhwabanisa.
Ibhange laseLa Caixa	1% kubhalansi evuselelwe kabusha	Abaphathi bayivikela ngeCaixaProtect, futhi inika ama- € 5 uma uthenga kabili ka-10 € ubuncane.
Banco Sabadell	Ukubonisana	Kuyikhadi elingakhokhelwa elingaziwa elingadluliselwa kumuntu wesithathu. Inikeza ithuba lokukwazi ukuzisebenzisa njengesipho.
Bankia	Mahhala	Kuvikela yonke imisebenzi yekhadi elibonakalayo ngobuchwepheshe balo obubizwa ngokuthi 'Inkokhelo Ephephile'.
I-EVO Bank	Mahhala	Ungakha inani elingenamkhawulo lamakhadi ahlobene nekhadi lakho eliyinhloko, esikhundleni se-akhawunti yakho yasebhange.
Santander	Kumahhala uma kuthengiwe kathathu	Ungafaka kabusha ikhadi elibonakalayo kwi-akhawunti yakho eku-inthanethi njengakuyiphi i-4B ATM.
ICajaMar	Mahhala	Amakhadi abonakalayo yi-VISA, eqinisekisa ukwamukelwa kwawo kuningi lwamabhizinisi emhlabeni jikelele.
I-Novanca	Mahhala	Kuyikhadi elishajekayo kuma-ATM, futhi lisebenza ngaphansi kwe-Mastercard.
I-OpenBank	Mahhala	Iyasebenza kabusha kuma-ATM, futhi inomshuwalense wezokuthutha wasemadolobheni wama-euro ayizinkulungwane eziyi-120.
ONE-e	Mahhala	Isihlangu sokuphepha nakakhulu ngokudinga i-PIN yekhadi lakho eliyinhloko ekusebenzeni ngakunye okwenzayo.
I-Kutxabank	Mahhala	Isebenzisa uhlelo lwe-VINI, futhi ikhasimende lingakhetha usuku lokuphelelwa yisikhathi kwekhadi ngalinye.