Hewa nzira nhatu dzekuona zvikwereti zvekuunganidza zvikwereti kuitira kuti uone kuti hauna kubviswa pamari yako.
Mukwereti anotora chikwereti ichikukanda iwe kuti ubhadhe pakarepo . Vakawanda vechikwereti vatengesi vachashandisa humwe huwandu hwemanikidziro yekuita kuti iwe ubhadhara chikwereti. Mushure mezvose, kazhinji havabhadhari kunze kwekuti iwe uchibhadhara. Iva nekufungira nezvekwereta chikwereti ichiita sechishandisa chikwereti chisina kujairika chekuita kuti iwe ubhadhe pakarepo, kunyanya kana vakashandisa nzira dzinotyisa kuti iwe ubhadhe pakarepo. Somuenzaniso, chikwereti chikwereti chinogona kukuvadza kana chichikugombedzera nemhosva uye inotaurira kuti unogona kudzivisa mhosva kuburikidza nekubhadhara pakarepo.
Mukwereti anotora anokukumbira kuti ubhadhara nekutengesa kutengesa kana imwe nzira isingatauriki . Vanokwereta zvikwereti vatokari vanozogamuchira nzira dzakasiyana-siyana dzokubhadhara dzinosanganisira check, debit card, kana kadhi rechikwereti. Chiratidzo chechokwadi chechikwereti chekutsvaga chikwereti ndecheko inoshuva iwe kuti iwe ubhadhara kuburikidza nekutengeswa kwetambo kana imwe nzira isingagoni kuteverwa.
Kana nzira yekubhadhara isingagoni kuwanikwa, iwe uchava nenguva yakaoma kuwana hurumende inobatanidzwa.
Iwe hauzivi mukwereti kana kuti kambani . Tichava nenhoroondo nemabhizimisi akawanda pamusoro pehupenyu hwedu. Zvingaita kuti mukoti anogona kukunyorerai pamusoro pekodhi yawakambokanganwa pamusoro.
Kana uyo akatora chikwereti anonzwika zvachose kunze kwenyika, kana iwe unoziva kuti iwe hauna kumbova nekambani nebhizimisi iroro, pane mukana iwoyo uri dambudziko. Usambofa uchibhadhara chikoro chausingazivi. Iwe une kodzero yekukumbira uchapupu hwechikwereti kubva kune chikwereti mutora usati watumira chikwereti.
Unogonawo kutarisa kuti uone kana chikwereti chako chekwereti chinosanganisa nekambani kune chikwereti ichocho. Cherechedza kuti nhoroondo dzisina kunaka dzinopera mushumo wako wechikwereti mushure memazana manomwe, saka kusagamuchira chikwereti pamushumo wekwereti yako hazvireve kuti chikwereti chekuunganidza chikamu.
Kunyange kana iwe uchiziva uyo ane chikwereti, hazvirevi kuti hausi kuparadzirwa. Kana iwe ukaita chikwereti chekugadzirisa chikwereti, chikwereti chikwereti chinofanira kukupa uchapupu hwechikwereti uye uchapupu hwakagamuchirwa kuunganidza pane chikwereti. Vanhu vanogona kunge vakawana ruzivo pamusoro pekodha dzamakamboita uye kushandisa ruzivo urwu kuti vakunyengere kuti mubhadhe.
Haugoni kuwana chero chinhu paIndaneti paunotarisa nhamba yefoni . Imwe nzira yekucherechedza kana chikwereti mutengesi chiri scam kana kambani inonzi inozivikanwa nekutsvaga ndeyekutsvaga paIndaneti nhamba yefoni. Kakawanda, uchawana mapeji epakombiyuta apo vamwe vatengi vataura pamusoro pevatengesi vemari uye bhizimisi ravanounganidza.
Kana, zvakadaro, iwe unotarira kumusoro nhamba yefoni uye usingagamuchiri mhinduro kana iwe uchiona vamwe vachitaura kuti kambani iyi inonyadzisa, saka unoziva kuti usatumira kutumira kupi kune iyo kambani.
Muteresi anotora zvinokukanganisa nejeri nguva kana kuita sevatungamiriri vehurumende . Hazvibvumirwi nemutemo kuti muteresi anokwereta kureva nhema kwauri, achityisidzira chiito chavasingatori, kana kuti ave sevakuru vakuru vehurumende. Vanokwereta zvikwereti vatokari havasati vashandise kushandisa maitiro aya asingabvumirwe pamutemo pamusana pokuti havana kuda kuisa bhizinesi ravo pangozi nekuputsa mutemo. Vanhu vanotya, kune rumwe rutivi, havana hanya nekutevera mitemo yekuunganidza chikwereti.
Vanokukumbira kuti uwane ruzivo rwavanofanira kuva nacho . Hasi chikwereti chose chekuunganidza chekuita chinangwa chekunyengedza iwe kuti utumire kubhadhara chikwereti. Vakawanda vari kutsvaga ruzivo rwemunhu oga rwavanokwanisa kushandisa kuti aite urove kana kubhakwa kwekuziva.
Apo vanokwereta vanobhadhara chikwereti vatengesi, vanotumira pamusoro pehuwandu hwehuwandu hwemashoko pamusoro pako. Iko kunowanzobatanidza zita rako, kero, zuva rekuberekwa, nhamba yebhuku, uye vamwe kana yese yehuwandu hwekuchengetedzwa kwenuzhinji. Iva nemhosva yekwereta chikwereti chinokumbira kukumbira chero ipi zvayo yeruzivo urwu.
Asi, nekuda kwekuti munhu akadana ane ruzivo rwakanyanya pamusoro pako, hazvirevi kuti havasi kukunyomba. Uine ruzivo rwakanyanya pamusoro pako paIndaneti uye nhepfenyuro yezvemagariro evanhu, kukwereta chikwereti scammers kunogona kuunganidza ruzivo rwakakwana kuti iwe ufunge kuti ndeyechokwadi.
Havangakupei ruzivo rwekambani dzavo . Vanokweretesa chikwereti vanodiwa nemutemo kuti vazive ivo pachavo pavanenge vari pafoni newe . Iko chikwereti chaicho chakakosha chinofanira kunge chichida kukupa zita rekambani yavo, nhamba yavo yefoni, uye neavo yekutumira. Iwe unoda iyo kero yekunyanya kunyanya kuitira kuti utumire tsamba inokumbira uchapupu hwechikwereti usati watumira chikwereti. Ichi chiratidzo chechikwata chekuunganidza chikwereti kana kambani isingadi kupa ruzivo rwavo.
Iko kuunganidza hakusi pamushumo wekwereti yako . Pane dzimwe mamiriro ezvinhu akakodzera apo gwaro rekuunganidza rinogona kunge risingave riri pamushumo wekwereti yako. Kana iyo nhoroondo yapfuura chikamu chekupa chikwereti chekwereti (kazhinji makore manomwe), muteresi anokwereta haakwanisi kuwedzera zviri pamutemo chikamu chekwereti chekwereti. Dzimwe nguva pane kunonoka pakati penguva iyo muteresi anogamuchira chikwereti uye apo inoshuma kune icho chikwereti chekwereti. Kunyangwe uchiziva kuti pane zvimwe zvisiri izvo, kusaona kuunganidzwa pamushumo wekwereti yako dzimwe nguva kuva chiratidzo chekuti kuunganidza ichinhu chakaipa. Shandisa dzimwe nzira kuti uone chikwereti chikwereti usati wafunga kubhadhara.
Kuti udzivirire kodzero dzako uye uone kuti hausi kutyisidzirwa, zvakanakisisa kuti uwane chero chikwereti chemutori wekutora usati watumira chikwereti. Pane mukana iyo kambani iri kutsvaga chikwereti chaicho. Kumbira sangano rekuunganidza nezvezita rayo uye kero yekutumira uye kutumira tsamba inokumbira uchapupu hwechikwereti. Kana sangano rekuunganidza risina kutumira uchapupu kana uchapupu hahukwanisi kuratidzira kuti chikwereti chaicho, sangano haritenderwi kuramba richikurukura newe.
Zvinosuruvarisa, kana iwe uchinge waputsika uye uchatumira muripo, iwe unogona kusakwanisa kuwana mari yako zvakare, kunyanya kana iwe wired payari kana kushandisa kadhi rakabhadharwa. Dzokorora zvikwereti zvinokonzera chikwereti ku Federal Federal Commission, iyo Consumer Financial Protection Bureau, uye yako State Attorney General.