Yiliphi ikhadi elifanela indlela oyisebenzisa ngayo?

Ikhadi lesikweletu noma lasebhange? Lowo ngumbuzo esivame ukuzibuza wona lapho sikhetha uhlobo oluthile lwekhadi noma olunye. Futhi yilokho kulula kakhulu ukudida womabili amakhadi. Umehluko phakathi kwabo uyaphawuleka, kepha ukungabi khona kwemininingwane yezezimali kuholela abaningi ekudidekeni nasekusebenziseni womabili amakhadi ngezinhloso ezifanayo.

Kubalulekile ukwazi umehluko phakathi kwalokhu okubili, ukuze ukwazi ukunquma ukuthi iliphi elifanelana kahle nezifiso zakho nezidingo zakho.

Ngokuvamile, kunconywa ukusebenzisa ifayili le- amakhadi asebhange kubantu abagxile kakhulu ekusetshenzisweni, ngenkathi i- amakhadi esikweletu ahloselwe abantu abayalwe kakhulu ekuphatheni izimali zabo.  

Kubalulekile ukwazi i-dumehluko nokufana komunye nomunye ukuze ukwazi ukukusebenzisa kahle. Njengoba ungathola womabili amakhadi asebhange kanye amakhadi wesikweletu amahhala kuzinhlangano zebhange.

Yini eyenza ikhadi ngalinye lihluke?

Ikhadi le-Debit

Amakhadi okudonswa yiwo kuxhunywe ku-akhawunti yethu yokuhlola. Lapho sithenga umkhiqizo, ku-inthanethi noma esitolo sangempela, ukukhokhiswa kwenziwa ngokushesha ku-akhawunti yethu yokuhlola. Uma singenayo ibhalansi ku-akhawunti yethu, ikhadi linganikeza iphutha. Umsebenzi uzokwenqatshwa ukusungulwa futhi ukuthenga bekungeke kwenziwe.

Leli khadi akuhloselwe njengendlela yezimali, kodwa njengendlela yokukhokha. Dlulisa imali isuke kwi-akhawunti yethu yokubheka iye kuma-akhawunti asebhange ezitolo lapho sithenga khona.

Bayasivumela ukuthi senze imali futhi sikhiphe imali esiyidingayo kunoma iyiphi i-ATM kanye namahhovisi asebhange. Ziyindlela yokukhokha esivumela ukuthi sibe nemali esiyilondolozile ku-akhawunti yethu yasebhange.

Ukwenza ukuthenga okujwayelekile njengezitolo ezinkulu, imfashini, njll. ... amakhadi asebhange ayindlela engcono kakhulu, ngoba asidingi ukukhokha inzalo yanoma yiluphi uhlobo ngoba yonke inhlokodolobha ikhishwa kulondolozo olufakwe kwi-akhawunti yethu yokuhlola.

Ukuze uthole ikhadi lasebhange kubalulekile ukuba ne-akhawunti yokuhlola ebhange elisinikeze ikhadi.

Amakhadi okudonswa awusizo kakhulu, ngoba asisiza ukugcina umkhondo wezindleko zethu futhi asivumela ukuthi sihlole ibhalansi ekhona ekhadini lethu.

Ukuze ungeqi lapho uthenga, ikhasimende lingavuma ngomkhawulo wokusebenzisa imali nsuku zonke nebhange. Ngendlela yokuthi, yize kukhona imali eyanele, umsebenzi awukwazi ukwenziwa uma lo mkhawulo weqiwe.

Imali yekhadi lesikweletu ishibhile kunezimali zekhadi lesikweletu. Ngokuya ngebhange, inani lingahluka. Yize kufanele kwaziwe ukuthi amanye amabhizinisi awaphoqi noma yiluphi uhlobo lwekhomishini kumakhadi wedebithi.

Ikhadi lesikweletu

Amakhadi esikweletu, ngaphandle kokuba yindlela yokukhokha, futhi ziyindlela yokuxhasa imali Futhi, mhlawumbe, yingakho ziyinkimbinkimbi kakhulu kunamakhadi wedebithi.

Lapho sizothenga, kungaba ezitolo ezingokoqobo noma ezitolo eziku-inthanethi, inqubo iyashintsha. Lolu hlobo lwekhadi, ngokungafani namakhadi asebhange, ikuvumela ukuthi uthenge ngaphandle kokuba nenani elidingekayo ku-akhawunti yethu yokuhlola.

Izinkokhelo zivame ukuhlehliswa cishe inyanga. Lapho usuku olulinganisiwe seluphelelwe yisikhathi, iklayenti kuzodingeka likhokhe inani lesikweletu. Njengomthetho ojwayelekile, ezimweni eziningi i-akhawunti ehlotshaniswa nekhadi izimali ziyatholakala futhi isikweletu siqoqwa ngqo.

Uma kwenzeka ukungabi nezimali kuzosebenzisa inzalo ezingaba kusuka kepha, uma kwenzeka ungenayo imali, inzalo yekhadi lesikweletu izovulwa, engaba phakathi kuka-12 no-20%.

Amakhomishini kumakhadi esikweletu ngokuvamile aphezulu kakhulu kunamakhadi asebhange.

Amakhadi esikweletu anezindleko zokukhishwa nokugcinwa konyaka. Futhi ukukhipha imali kuma-ATM kufaka nezindleko eziphakeme ezibalelwa ku-20%.

Iphuzu elisekela la makhadi ukuthi, ngomzuzwana wokuphuthuma, Noma ungenayo imali eyanele, usengathenga.

Kunokwehluka okuningi phakathi kwalezi zinhlobo zombili zekhadi, manje nguwe onquma ukuthi iyiphi oyithandayo kakhulu.