Tsvaga chokwadi pamusoro pemhando dzakasiyana dzemari yakatendwa
Chii Chinozivikanwa Chekuongorora?
Cheketi yakagadziriswa ihokwe iyo yakatsigirwa (nebhangi mari inoswedzerwa pa) se "yakanaka." Mumwe mukuru webhangi anovimbisa kuti munyori wekuongorora aiva nemari yakakwana inowanikwa uye kuti chinasa chiri chechokwadi.
Somugumisiro, ani zvake anobvuma cheki anogona kuva nechivimbo chokuti cheki haizogoni kudzorera kana kudzorerwa - achifunga kuti cheketi yakarurama uye ichiri yakakodzera.
Mushure mekuona kuti cheki yakanaka, bhanji rinowedzera sampamende uye chinyoresho chekuongorora, pamwe nemamiriro (zvakadai sekucheka zvakanaka kune mazuva makumi matanhatu). Bhengi inofanira kunge ichidzivirira mutori wekuongorora kubva kushandiswa kana kubvisa mari yakachengeterwa cheki iyo.
Nemhaka yekuti cheketi yepamutemo inofanirwa "chepamutemo" cheki, mari kubva kune cheki yakatendwa inowanzowanika mukati mezuva rimwe bhizimisi mushure mokuisa cheko chekuongorora, uchifunga kuti iwe unoisa cheki mu-munhu nemushandi webhangi (pamwe ne $ 5,000 yekutanga inofanira kuvapo, asi mabhangi anogona kubata pane zvakakwirira kupfuura izvozvo).
Enzanisa cheki yakagadziriswa nesheji yekuti munhu aripi . Ne chekuongorora iwe pachako, iwe hauzive kana munyori wekuongorora ane mari yakakwana mubhangi kuti avhare mubhadharo.
Kunyangwe dai mari yacho yakanga iripo pane imwe nguva, inogona kupedzwa usati wawana mukana wekuisa kana kutengesa cheki (zvinoreva kuti iwe haungabhadharwi, uye iwe unogona kubhadhara mari yekuisa cheki chakaipa). Muzviitiko zvizhinji, mabhangi anoita kuti $ 200 yekutanga iwanike kana iwe ukaisa cheki chako, uye vanomirira mazuva mashomanana ebhizimisi kuitira kuti zvasara zviwanike (uye iwe ungada kumirira kunyange zvakanyanya kana pane kusava nechokwadi kune cheki).
Nzira Yokuwana Nechiratidzo Cheko
Kuti ubhadhe ne cheketi yakagadziriswa, shanyira bazi rebhangi, uko mushandi webhangi anogona kuongorora kuti iwe muridzi wekambani uye kuti une mari inowanika muakaunti yako. Bvunza kuti chii chinodiwa iwe usati wanyora cheki.
Muzviitiko zvakawanda, iwe unongonyora cheki sezvaunowanzoita , uye vashandi vebhangi vachawedzera chivimbiso. Sezvimwe zvekare, iwe unogona kungowana cheki yekasi.
Cheketi dzakavimbiswa vs. vs. Cheki Checks
Cheketi yeCashier yakafanana zvikuru nechekuongorora, uye inogona kuva nyore kuwana kana iwe uchida kubhadhara nemari yakatendwa.
Ne cheketi yakatendwa , mubati wenhoroondo (mumwe munhu - angave iwe iwe) anonyora cheki, uye bhandi rinopupurira cheki. Mari yacho inobva kubhuku rako kana cheki yacho ichizopedzisira yaiswa kana kuti yakasungwa.
Uine chekuchengeti , iwe unonyanya kubhadhara bhangi (nokupa mari kana kuve nemari yakadzingwa kubva kubhuku rako), uye bhangi inoita cheki yakanyorerwa iwe payee . Apo cheki yacho inopedzisira yabhadharwa, mari inobva kubhengi rebhangi - kwete yako.
Kune chero munhu anowana kubhadhara, kusiyana pakati pekodhi yekodhi uye cheki yakagadziriswa hazvirevi zvinorehwa - zvose zviri zviviri mari yemari yakachengetedzwa.
Chinhu Chipi Chingave Chakanyangarika
Mari dzinopupurirwa ndiyo inofarira zvigadzirwa zvevashandi. Vanhu vanotenda kuti hakuna ngozi mukutambira mari yekujekesa iyo yakajeka pakarepo, saka vanofara kutumira zvinhu - kana mari - mushure mekutora cheki chekuita. Mabhangi anowanzopa iwe rubatsiro rwekusahadzika uye unoita kuti $ 5,000 yekutanga inowanikwa pakarepo, saka iwe unofunga kuti cheketi yakabviswa. Mushure mekunyengera kunowanikwa, bhagheni rako richakubata iwe mutoro wemari ipi yawakapedza kana kubvisa.
Kana iwe unonetseka pamusoro pokubviswa, pane nzira dzakawanda dzokuderedza ngozi yako:
Simbisai tambo: Kubhadhara nekutengesa firiza kune ngozi pane kutora cheki yakatendwa. Mari yacho inoda chaizvo kuti iuye kubva kune imwe bhanki isati yatarisa mune yako iripo. Izvo zvakaoma kuti ibve, uye pane pepanhau rakanakisisa (asi firamu zvinowanikwawo).
Tarisa mari: Taura nebhangi rakaratidza cheki uye uone kuti cheki yacho yakarurama . Iva nechokwadi chekuti unoshandisa nhamba yefoni yaunoziva yakarurama - kwete nhamba yakadhindwa pane cheki (nokuti cheki chekunyengera chichave nenhamba yefoni yakaipa). Dzimwe mabhengi haazokubatsiri, asi zvakakodzera kukohwa.
Kashandisa cheki: Tora cheki kubazi rebheni rimwechete iyo mari iri kuuya kubva uye edza kuwana mari pakarepo . Mutauriri achakurumidza kutaura kana pane chakaipa.
Vimba netariro yako: Kana chimwe chinhu chichiita sechisiri chakaipa, zvichida. Tsvaga mifananidzo yakajeka yakajeka, yakadai sekutengesa kwaunofanirwa kuisa cheki uye wotumira imwe mari kune mumwe munhu (kunyanya kana iwe unofanirwa kutumira nefoni kutengesa kana Western Union ). Paunotanga kutora foni uye zvinhu hazviwedzeri - kunyanya kana zviratidzo zvakajeka zvakadai semaspellings uye zvinyorwa zvinyorwa zvinyorwa zviripo - zvakanakisisa kubatisisa kuhomwe yebhokisi rako.
Mamwe Mafomu eZvimbiso Zvesheni
Cheketi yakagadziridzwa haisi iyo nzira chete yekubhadhara nemari yakavimbiswa. Chero chero chiridzwa chinotarisirwa se "chevimbiso" kana kuti "yakacheneswa" mari inogona kunyengera. Mutengesi wese ane zvaanoda, asi iwe unogonawo kubhadhara ne:
- A waya kutengesa
- Money orders
- A check cashier
- Cash