Yiliphi ikhadi lesikweletu elingcono ukuthola
Amabhange ancintiselana ukunikela ngamakhadi wesikweletu: anikezwa njengesipho lapho kuvulwa i-akhawunti noma kufakwa idiphozi, kuthunyelwa ngeposi, kwamukelwa izicelo zokukhishwa nge-Intanethi nakuma-post office. Kulula ukulahleka kulokhu kuhlukahluka. Yiliphi ikhadi lesikweletu elingcono, futhi yiziphi izindlela zokukhetha ikhadi lesikweletu?
Amakhadi wesikweletu alahlwayo noma "ajikelezayo"
Kunamakhadi esikweletu anomkhawulo wesikweletu ongaguquki, ongakhipha kuwo imali evunyelwe yibhange kanye. Kulula kakhulu ukusebenzisa ikhadi lesikweletu kumgomo wemalimboleko "eguqukayo" ongakhipha kuyo imali ngaphakathi komkhawulo wesikweletu inani elingenamkhawulo lezikhathi - usebenzise ingxenye yemali, bese ukhokha ngokushesha isikweletu bese uphinde uthole inani eliphelele lomkhawulo.
Isikhathi sesikhathi somusa
Imininingwane yokunquma isikhathi somusa inzalo engakhokhelwa ihlukile ebhange ngalinye. Amanye amabhange afaka isikhathi somusa kunoma yikuphi ukuthengiselana ngamakhadi wesikweletu, amanye - kuphela ukukhokha okungakhokhi imali, futhi ukukhishwa kwemali kuba ngaphansi kwenzalo kusukela ngosuku lokuqala.
Ama-nuances wokubala isikhathi ayahluka ngokuya ngemigomo yesivumelwano sekhadi elithile. Amanye amabhange aqala ukubala kusukela ngesikhathi ikhadi lisetshenziswa ngalo, amanye kusukela ekuqaleni kwenyanga lapho imali isetshenziswe khona. Esimweni sesibili, isikhathi somusa esimenyezelwe sezinsuku ezingama-50-55 siphenduka ukungabi nentshisekelo kwenyanga eyodwa kuphela.
Kufanele kuqondwe ukuthi noma ngabe ukwazile ukubuyisa iningi lemali esetshenziswe kusuka ekhadini ngesikhathi somusa, inzalo ayikhokhiswa esikweletini esisele, kodwa kuyo yonke imali oyisebenzisile.
Kungakhathalekile isikhathi somusa, kuyadingeka ukwenza inkokhelo encane yanyanga zonke ngaphakathi kwesikhathi esibekiwe yibhange ukuze ungakhokhi inhlawulo yokukhokha sekwedlule isikhathi.
Ukusebenziseka kalula
Uhlobo lwekhadi lasebhange lunquma ukuthi kulula kangakanani ukusebenzisa imali ebolekiwe futhi ukhokhe isikweletu. Amakhadi okukhokha aphesheya i-Visa ne-MasterCard amukelwa yonke indawo kuma-POS terminals ezinhlangano zezohwebo, ama-ATM, amagatsha asebhange nezinhlelo zokukhokha ngogesi. Ikhadi elingafakwanga ezinhlelweni zokukhokha zamazwe omhlaba lingaletha izinkinga kumnikazi ngokuthola imali engukheshi nokungeyona imali kanye nezindawo zokuhlala.
Naka inani lamakhomishini wokukhipha noma ukwamukela izimali zokukhokha okuhlukile noma izinketho zokukhipha imali. Kungcono ukuthola imali kusuka ekhadini bese ugcwalisa ebhange "lomdabu" ngaphandle kokukhokha ikhomishini ka-3-5% wemali.
Izinga lokukhishwa
Lapho u-oda ikhadi lesikweletu online, uzama ukonga isikhathi, ungalahlekelwa izinsuku eziyigugu ezilinde ukulethwa ngeposi. Uma udinga ikhadi lesikweletu ngokuphuthumayo, cabanga ngezinketho zokuthola ikhadi elingenagama noma uthinte ibhange lapho ugcina khona imali noma uthola imali engenayo ukunciphisa isikhathi sokucubungula. Cacisa kusengaphambili ukuthi kuzodingeka ulinde isikhathi esingakanani ukuthola amahora - amahora amaningana noma amasonto ambalwa.
Izinga lenzalo
Umbandela obalulekile wokuhlola inzuzo yekhadi lesikweletu lababoleki isilinganiso senzalo sokusebenzisa imali ngaphandle kwesikhathi somusa. Kukhona iphethini ethile phakathi kwejubane lokucatshangelwa kwesicelo, ivolumu yephakeji lemibhalo yokuhlola ukuthembeka komnikazi nezinga elibekwe yibhange. Ngokuya ngesimo sebhange kanye nekhadi lesikweletu, isilinganiso siyahluka phakathi kuka-20-40% ngonyaka. Uma onikelayo ethanda ipasipoti kuphela, akadingi isitifiketi semali engenayo nencwadi yomsebenzi, angahloli umlando wesikweletu, ngamathuba athile kungahlulelwa ukuthi isilinganiso sizoba sikhulu kakhulu kunesilinganiso.
Inani lomkhawulo wesikweletu
Uma ukhetha ikhadi ngokususelwa kumkhawulo wesikweletu omkhulu, ungalindeli ukuthi lonke inani lizovunywa ngasikhathi sinye. Lapho uqala ukuxhumana nebhange, ungathola umkhawulo omncane ezimalini ezibolekwe. Ngokukhokha okufika ngesikhathi nokusetshenziswa okujwayelekile, ngemuva kwezinyanga ezimbalwa, ibhange lizokwenyusa umkhawulo ngokwalo noma ngokuzimisela kwakho. Unganyusa umkhawulo wezimali okhona ebhange lapho uyiklayenti kuphrojekthi yeholo noma lapho owake wathatha khona futhi wakhokha imali mboleko.
Ukuthola ikhadi lesikweletu akuyona into elula. Ukuyithola, akwanele ukugcwalisa isicelo sokuqala esivela ku-Intanethi, kufanelekile ukuqhathanisa ngokucophelela izimo zamabhange nokwenza isinqumo kuphela ngesisekelo solwazi olukuhlu.