Ukukhokha ngekhadi sekujwayelekile kakhulu. Hhayi kuphela ukuthenga nge-inthanethi, kodwa iqiniso lokuthi akufanele uphathe imali ebonakalayo futhi ukhokhe ngekhadi, ukuze kungabikho othintana naye, liya ngokuya livame kakhulu. Kodwa kuthiwani uma udinga ukukhansela inkokhelo? Ungakhansela kanjani inkokhelo yekhadi? Ingakwazi?
Uma uke wakhokha futhi wabona ukuthi bekungafanele ukwenze, noma ucabange ukuthi ukuthenga okwenzile kuwukukhwabanisa, Ngezansi unempendulo nakho konke ongakwenza.
Inkokhelo yekhadi, yenziwa kanjani?
Njengoba wazi, amabhange akhipha amakhadi axhunywe kuma-akhawunti ethu asebhange. Noma kunjalo, kunezinhlobo ezahlukene zamakhadi ezibandakanya uhlobo oluhlukile lokukhokha phakathi kwabo.
Ngakho, ungaba:
- Ikhadi lokukhokha ngokushesha, okungukuthi, uma kuthengwa, kukhishwa ngokuzenzakalelayo ku-akhawunti yakho yasebhange.
- Ikhadi lokukhokha elihlehlisiwe, lapho, esikhundleni sokudonsa imali kulokho kuthenga, ibhange liyikhokha futhi liyikhiphe ku-akhawunti yakho ngemva kwesikhathi esingaba izinsuku ezimbili, ekupheleni kwenyanga, njll.
Futhi indlela yokukhansela inkokhelo yekhadi?
Impendulo yalowo mbuzo ithi yebo, ungakhansela inkokhelo yekhadi. Kodwa inqubo yokwenza akulula njengoba kungase kubonakale Esikhathini sokuqala.
Futhi kungukuthi, lapho udinga ukukhansela inkokhelo futhi bangakukhokhisi lelo nani, kunezindlela eziningana (ngezinye izikhathi kufanele uwasebenzise wonke, kanti amanye ngeyokuqala kuphela azoxazululwa).
Cela umthengisi ukuthi abuyisele inkokhelo
Cabanga ukuthi uthenge. Futhi ukuthi ngaleso sikhathi uyaqaphela ukuthi awukwazi ukuyithenga (isibonelo, ngoba bavele bakubize futhi uthenge into efanayo). Bese, kufanele uye esitolo uyocela ukubuyiselwa imali yakho ukwethula ukubuyiswa komkhiqizo.
Lokhu kuyinto evamile, futhi kokubili okungaxhunyiwe ku-inthanethi nokungaxhunyiwe ku-inthanethi, okungukuthi, ezitolo ezibonakalayo noma ku-inthanethi.
Yingakho njalo, uma ukubuyiselwa kwemali kwenziwa okukhokhiwe ngekhadi, iAma-ATM akucela ukuthi uwanikeze ikhadi okhokhe ngalo ekuqaleni, ngoba kuyindlela abangayibuyisela ngayo ngendlela elula.
Manje, uma ngokwesibonelo uthenge esitolo se-inthanethi futhi ubonile ukuthi bekuwukukhwabanisa, khona-ke lesi sinyathelo ungase ungakwazi ukusenza, futhi kuzodingeka ubale nezinye izinketho.
Xhumana nebhange lakho
Lapho inketho yokuqala ingenakwenzeka, kufanele uxhumane nebhange lakho. Bayakwazi ukukhansela noma ukumisa inkokhelo uze ubanikeze elinye i-oda.
Ukuthi yebo, chanoma kuyinto ongayenza ngokukhululeka. Into yokuqala ukuthi nikeza isizathu esanele sokuthi kungani ufuna inkokhelo ikhanselwe. Kulesi simo, futhi ulandela isibonelo sokugcina esikunike sona, uma usola ukuthi uthenge esitolo esingeke sikuthumelele imikhiqizo, kufanele ushayele ibhange lakho ukuze libambe inkokhelo uze bayaqiniseka ukuthi isitolo "sithembekile" futhi, uma kungenjalo, singakhokhi i-oda (uma isitolo sisihle, kufanele sikuthinte ukuze sithole ukuthi kube khona yini inkinga).
Yebo, kufanele usheshe ngoba akufanele uvumele isikhathi esiningi sidlule noma, ngaphandle kwalokho, bebezokunikeza izinkinga ezengeziwe ebhange (isibonelo, ukuthi kufanele ufake isikhalazo, ukuthi kufanele ugcwalise uchungechunge lwamadokhumenti bese uhamba ngezinqubo ezithile).
Xhumana nenkampani yekhadi
Ngenhla kwamabhentshi, ubucabanga ukuthi kwakungekho muntu? Hhayi-ke iqiniso linguyebo. Iningi lamakhadi esiwasebenzisayo emhlabeni yi-Visa noma i-Mastercard futhi lezi zinkampani zisebenza futhi ekuhlinzekeni abathengi. Yibo abaphakela amabhange amakhadi, kodwa futhi bangalamula esimweni esinjalo.
Okusho ukuthi, khansela inkokhelo yekhadi ngabo. Manje, akulula njengoba kubonakala ngoba esikhathini esiningi bazokucela ukuthi ushayele ibhange lakho uliphathe, ngakho-ke kuzodingeka ulwe kancane ukuze ubenze bakulalele (ikakhulukazi uma ibhange lingakunikezi izixazululo ezikusebenzelayo).
Funa ibhange lakho
Inketho yokugcina yokukwazi ukukhansela inkokhelo yekhadi, ikakhulukazi uma konke okunye kuhlulekile, uwukufuna ebhizinisini lakho inani laleyo mali. Manje, abavumi kalula.
TKuzodingeka ugcwalise idokhumenti bese unamathisela amarisidi, ngaphezu kokunikeza izizathu ezifanele zokuthi kungani ibhange lakho kufanele likubuyisele leyo mali. Lokhu ngokuvamile kuzoya kumphathi webhange oyoqhubeka nokuhlola isimo futhi uzobuyekeza iphrofayela yakho ukuze ekugcineni anikeze impendulo eyakhayo noma engeyinhle kulokho okucelile.
Kuthatha isikhathi esingakanani ukukhansela inkokhelo yekhadi bese ubuyisela imali?
Isinyathelo esilandelayo uma wazi ukuthi inkokhelo yekhadi ingakhanselwa yazi isikhathi lapho leyo mali izobuyiselwa ku-akhawunti yakho, IQINISO? Lapha kuzoncika ezintweni eziningi. Futhi yilokho, uma kuyisitolo esikubuyisela, kungaba ngokushesha noma kube nenqubomgomo yokubuyisela yezinsuku ezingu-x (okungukuthi, kuze kudlule izinsuku ezingu-x ngeke bakwazi ukubuyisela imali). Uma ivela ebhange futhi ayikubangeli izinkinga kungaba ngokushesha (ikakhulukazi uma bengakayiqoqi leyo mali). Futhi endabeni yokubiza inkampani yekhadi, noma isicelo, nakhu kungase kuthathe isikhathi esiningi ngoba kufanele uphendule yonke into.
Ezimweni eziningi ngeke ube nenkinga yokubuyisela imali yakho, okuyinto ekunikeza ukuphepha. Kodwa ngakolunye uhlangothi ngeke wazi ngokuqinisekile isikhathi esiqondile esizosithatha ukukwenza, futhi kuzodingeka ukuqaphele ukuze ekugcineni uthole umphumela oyifunayo.
Ingabe kuyacaca kuwe ukuthi ungayikhansela kanjani inkokhelo yekhadi?