Amakhadi akuwona umkhiqizo ohambelana nawo, ukude nawo. Kunezinhlobo ezahlukahlukene emakethe ukuze ubhalise nganoma yisiphi isikhathi ngabasebenzisi. Kuzo zonke izimo banelisekile ngendlela yokukhokha esebenza ku izinkokhelo zobuso yanoma yiluphi uhlobo. Ngalo mqondo, amabhange asebhange anqume ukuvumelanisa lo mkhiqizo nezidingo zangempela zamakhasimende awo. Lapho ukuvela kwezinto ezintsha zobuchwepheshe kukhuthaza ukuvuselelwa njalo. Ngoba amakhadi awasafani nalawo asetshenziswe eminyakeni embalwa edlule. Ziyashintsha futhi isampula salesi simo sithathwa ngamakhadi abizwa ngokuthi yi-virtual.
Amakhadi abe ngu- izindlela zokukhokha yonke indawo. Sekuvele kungavamile kumuntu ongenayo eyodwa yazo, noma ngabe imodeli iyini: isikweletu, ukudonswa kwemali, okubonakalayo noma amanye amafomethi wesimanjemanje noma amasha. Bahlala bekhona esikhwameni sakho semali baze bathathe indawo yemali ebonakalayo. Hhayi ngeze, ukufinyelela kwayo kwenziwe kwaba lula kakhulu futhi ngezidingo ezimbalwa kakhulu ungaba neyodwa yazo ezandleni zakho. Yize kwezinye izimo kuzodingeka ngokuphelele ukuthi uthathe amakhomishini noma izindleko zokuphathwa noma ukunakekelwa kwawo, kuya ngekhadi olitholile.
Kangangokuthi ngokwedatha yakamuva ekhishwe yi-Mastercard ikhombisa ukuthi i-82% yabasebenzisi baseSpain isivele inekhadi lesikweletu. isikweletu, ukudonswa kwemali noma esikhokhelwa kuqala. Lezi zibalo zimele ukwanda okungaphezudlwana kuka-8% uma kuqhathaniswa nesimo sonyaka odlule. Kunoma ikuphi, amakhadi asebhange ahlala eyindlela yokukhokha encanyelwayo cishe ne-75% yezintandokazi. Kulandelwe ngokulandelayo ngamakhadi wesikweletu lawo ma-5% emakethe. Ngenkathi kwenzeka okuphambene nalokho, labo ababizwa ngokuthi abakhokhelwa kusengaphansi kwabambalwa kubantu baseSpain njengoba bengamele ngaphezu kuka-23% wesidingo somhlaba wonke ngonyaka odlule.
Umkhuba wakamuva: amakhadi abonakalayo
Kunoma ikuphi, umkhuba okhuphukile ezintweni ezithandwa ngabathengi yilelo lamakhadi abonakalayo. Kepha uyazi ukuthi ziyini nokuthi ziqukethe ini? Ngoba ngokuyisisekelo kusho ukuvuselelwa kulesi sigaba somkhiqizo nasezingeni lokuba yamukelwa kakhulu ngabasebenzisi abasebasha eziwasebenzisa ngemvamisa ethile ukulimaza amanye amamodeli wendabuko amaningi. Ngaphezu kwalokho, izikhungo zezikweletu zikwazile ukuphendula kulesi sidingo esikhetheke kakhulu futhi cishe wonke amabhange anepulasitiki yalezi zici. Ingabe lokhu kuyindaba yakho?
Ngoba amakhadi we-virtual akayona ipulasitiki ongayisebenzisa kepha kunalokho igcina ubunikazi bayo, njengoba uzobona ngezansi. Kungashiwo ukuthi amakhadi we-virtual angumkhiqizo wokukhokha ongenayo i- izimo zomzimba zamakhadi wesikweletu noma asebhange. Lokhu kungenye yezimpawu zayo ezijwayelekile njengoba yize benomzimba wenyama, abanazo izinzuzo ezifanayo namanye amakhadi asebhange. Akumangalisi ukuthi zisetshenziswa ngokuyinhloko ukwenza izinkokhelo zokuthenga nge-Intanethi. Ngakho-ke ukuqagela okukhulu abanakho phakathi kwabasebenzisi abasha.
Umshini kulezi zepulasitiki
Ngakolunye uhlangothi, kulula ukusho ukuthi lawa makhadi azofaka inombolo enosuku lokuphelelwa isikhathi ngayo njengokungathi kuyikhadi lesikweletu noma ledebhithi. Kulesi sici akukho mehluko. Lapho kukhona, kungenxa yokuthi zenziwa ngezinye izindlela ezihambisanayo, njenge ukuqinisekiswa kokuthengiselana nge-PIN nangezinye izindlela ngesiqinisekiso ngekhodi elitholwe nge-SMS. Lokho wukuthi, banokuphepha okuphezulu kokwenza imisebenzi. Ngaphandle kwezinsizakalo ezihlinzekwa yile ndlela yokukhokha yangempela neyintsha.
Vele, omunye weminikelo yabo emikhulu useqinisweni lokuthi bayakuvumela ukuthi ugcine ukulawula okuqinile kwezimali zakho. Phakathi kwezinye izizathu ngoba awungeni ezikweletini ekusebenzeni ngokungakhombi ukunyakaza kwezitolimende. Ngakolunye uhlangothi, okubonakalayo kuthambekele kakhulu ekuthuthukiseni noma yiluphi uhlobo lwe- bethenga nge-inthanethi. Kusukela ekutholeni imodeli yakamuva yeselula kuya ekubekweni kweholide. Zivumelaniswe nezimo zakamuva emkhakheni wabathengi. Lokhu kubenza babe lusizo kuzo zonke izinhlobo zabasebenzisi, inqobo nje uma benobudlelwano obusebenzayo nobuchwepheshe obusha.
Izinzuzo zale ndlela yokukhokha
Esinye sezici okufanele uzicabangele kusukela manje izinzuzo ezingalethwa yipulasitiki yalezi zici. Kanjalo, ziningi futhi zinemvelo ehlukahlukene, njengoba uzobona kusukela manje kuqhubeke. Ngoba zimelela okunye umehluko ofanele kakhulu maqondana nokuthi yimaphi amakhadi asebhange endabuko. Lezi ngezinye zezinzuzo eziphawuleka kakhulu ezinikezwa yilo mkhiqizo wezezimali.
- Ukuzivumelanisa nezimo kwayo okukhulu: ngoba nguwe onquma inani lemali okufanele uyinikeze kupulasitiki wakho obonakalayo. Ngale ndlela, ibhalansi noma ibhalansi yama-akhawunti akho ayikwazi ukuguqulwa. Ngalo mqondo, kufana kakhulu namakhadi asebhange.
- Ukuphepha kokukhokha: kufaka uhlelo olukuvikela ezimweni ezithile ezingafuneki, njengokulahleka kwazo noma ukwebiwa kwazo. Ngesici sobuningi esinikezwa lolu hlobo lwekhadi.
- Izindleko ezingabizi kakhulu: awukwazi ukukhohlwa ukuthi la mapulasitiki ashibhile emakethe. Hhayi ngeze, zikhululekile futhi ngeke ube nezindleko zokuphathwa kwazo kwesondlo. Ngokungafani namakhadi wesikweletu noma asebhange adinga ukukhokhwa okungaguquki minyaka yonke.
- Ukufinyelela okulula kakhuluNgakolunye uhlangothi, ngeke ube nezithiyo eziningi zokubhalisa ezinsukwini ezimbalwa ezizayo. Yisifiso sakho kuphela sokuba naso kuphothifoliyo yakho esizodingeka, ngaphandle kokunikela ngeholo noma imali engenayo ejwayelekile. Ungazenza zibe semthethweni ngendlela elula kakhulu futhi eyenziwe lula.
Okubi ngokuqashwa kwakho
Ngokuphambene nalokho, amakhadi we-virtual, futhi kungenzeka kanjani ukuthi kube ngenye indlela, afaka uchungechunge lwemonakalo ekusetshenzisweni kwawo nokuthi kufanele wazi ngawo. Ukuze ngale ndlela, ubheke ukuthi ukuqasha kwakho kuhlakaniphile yini kulezi zikhathi. Ngoba awunakukhetha ngaphandle kokucabanga ngezimo ezilandelayo esikudalula kuzo ngezansi.
- Ukulinganiselwa kwakho: lolu hlobo lwamakhadi ahlukile asebenza kuphela ekuthengeni kwe-inthanethi. Uma lezi kungezona izinhloso zakho, vele ngeke ube nezinzuzo eziningi ngazo.
- Uzoncika kuma-recharges: ngeke ube nebhalansi ezinzile yokuthenga. Uma kungenjalo, kunalokho, kuzoncika ekuvuselweni kabusha ongakwenza ngaso sonke isikhathi. Ngalo mqondo, kungafana nalawo amakhadi wokulayisha kuqala. Kuphi wena onquma imali okumele leli khadi libe nayo.
- Awukwazi ukuyisebenzisa kuma-ATM: amakhadi analezi zici awavumeli ukuthi ukhiphe imali kumadivayisi we-othomathikhi. Ngisho noma yiluphi uhlobo lwemibuzo oluvela kuma-ATM olutholakala ezikhungweni zezikweletu.
Amabhange ayanikela
Ukwenza isivumelwano kwamakhadi wangempela kuhlobene ngqo nobudlelwano bomsebenzisi nesikhungo sezezimali. Ngaphansi kwalesi sizathu esijwayelekile, izikhungo zezikweletu sezithathe isinqumo sokuzifaka kokujwayelekile ukunikezwa kwemikhiqizo yezezimali. Ngalo mqondo, iBanco Santander, Bankia, BBVA, La Caixa noma iBanco Sabadell bacabanga ngemodeli yalezi zici. Kulula kakhulu ukuqasha futhi kuhloselwe iphrofayili yomsebenzisi echazwe kahle kakhulu. Umuntu osemusha, ohlobene kakhulu nezindlela ezintsha zokusetshenziswa futhi ojwayele izindlela ezintsha zobuchwepheshe ezinye ezifanele kakhulu.
Uma uzoqasha noma iyiphi yalezi zinhlobo, kufanele ucabange ukuthi ngeke zikubize i-euro eyodwa. Ama-recharges kuphela ofuna ukuwenza ukuze ubhekane nokuthenga okudingeka ubhekane nakho. Ngakolunye uhlangothi, awukwazi ukukukhohlwa lokho izinqubo zokuqasha imvamisa iyashesha kakhulu futhi iyafana naleyo yekhadi lasebhange lendabuko. Kuze kube seqophelweni lokuthi amakhadi abonakalayo angawagcwalisa ngamakhadi wakho wesikweletu noma wedebithi. Ukusetshenziswa kwalo kuhluke ngokuphelele ngakho-ke ungaba nelinye lalawa makhadi.
Amakhadi abonakalayo emakethe
Esinye sezibonelo ezicacisa lesi sidingo somsebenzisi simelelwa yilokho okuthiwa La Caixa cybercard okuthengiswa ngezici ezilandelayo: kuyikhadi elibonakalayo elingafaki imali yokubhalisa kanye nezindleko ze-1% ngokuvuselelwa okwenziwe kabusha. Ngokuvumelana ngokugcwele nemikhiqizo edizayinwe ngamanye amabhizinisi ezezimali.
Ekugcineni, esinye isici okufanele usihlole ukuthi lesi sigaba semikhiqizo yasebhange kumele sibe nohlobo lobudlelwano nesikhungo sezezimali. Isibonelo, kuhlotshaniswa ne-akhawunti yasebhange efanayo. Naphezu kwakho konke, nabo bayathuthuka ngokusebenzisa izikhungo zebhizinisi. Njengecebo lokwakha ukwethembeka kwamakhasimende ngempumelelo enkulu kakhulu.