Ndezvipi Zvido Zvishoma Zvokutenga Zvisiri Mutemo?
Zvidhinho zvekutenga zvinodiwa ndezvekuti hazvibvumirwi nemutemo, asi ivo zvechokwadi vanogumbura vatengi. Uyezve, vatengesi vangave vachiputsa zvinyorwa zvezvibvumirano zvavo nebhadharo rwekugadzirisa vatengi kana vakagadzirisa zvishoma.
Kuvhiringidzika Nezviito Zvisiri pamutemo
Vatengi vanowanzotenda kuti kubhadhara kadhi kadiki yekutenga zvinodiwa hazvibvumirwi nemutemo. Kuvhiringidzika kunogona kuitika nekuda kwemitemo yakawanda yakatanga kushanda muna 2013 inotungamirira kuti vatengesi vanobata sei nevatengi vanobhadhara nepurasitiki. Kuchinja kukuru kwemaviri kwakaitika, asi hapana mumwe wavo akadzora zvishoma zvido zvekutengesa nezvidhinari:
Kudenga zvishoma nekodhadhi kwakabvumirwa , kusvika kusvika $ 10. Vatengesi vanogona kuisa zviduku zvekutenga kadhi rechikwereti kana vachida. Ichi ndicho chikonzero chekutongwa kwevatengesi kuti vatengesi vakakunda makambani emakadhi emakadhi uye mabhangi. Munguva yakapfuura, vatengesi vanoisa miganhu iyi "zvisina kufanira." Mutemo hauna kugadzirisa nyaya yacho, asi kwaiva kuputsa kwechibvumirano chebhizimisi nemakambani ekukweretesa makadhi. Zvino, makambani ekadhi rechikwereti anofanira kubvumira izvi zvishoma, uye hurumende yeU.S. kugumira pa $ 10.
Kuwedzera zvikwereti zvekubhadhara kadhi rechikwereti kunobvumirwawo.
Zvakare, izvi zvinoshanda kumakadhi emakwereti chete. Nokuti vatengesi vanobhadhara mari nguva dzose pamunobhadhara nepurasitiki, ivo vanobvumirwa kupfuudza zvimwe kana kuti zvose zvezvikwereti izvozvo kwamuri. Zvisinei, vamwe vanoti kunze kwekuita tsika iyi - kunyange pamakadhi emakwereti. Kuti uwane mamwe mashoko, verenga pamusoro pekukwereta kadhi rechikwereti .
Chikwereti Cards vs. Debit Cards
Marikiti yemakadhi ndiwo makadhi okubhadhara anokwereta chikwereti nekadhi rinobudisa, uye debit makadhi anotora mari kubva kuongororo yako yekuongorora (kana kubhadharwa kubhadharwa ).
Ndechipi musiyano pakati pekushandiswa kweizvi makadhi emakadhi? Chero chikonzero chipi nechipi, mutemo hauna kutarisa debit kadi kutengesa kubva kumunhu anotarisa. Mitemo yakagadzirisa kuti vatengesi vanobhadhara zvakadini kana iwe uchibhadhara nekadhi yebhadhiro uye mari yavo yekugamuchira makadhi ekubhadhara kazhinji inopera kudhura kwekubvuma kadhi rechikwereti. Izvi ndezvokwadi kunyange iwe iwe somutengi uchishandisa kadhi yebhanji asi sarudza "chikwereti" kutengeswa pakutora.
Zvichida, vateereri vemutemo vaifunga kuti mari shoma inobatanidza nebhadha rebhadhiro yaireva kuti vatengesi vaisazova nechikonzero chekudzivirira kushandiswa kwavo. Zvisinei, mamwe makadhi ekubhadhara anonyanya kukosha kugadzirisa kupfuura mamwe (semuenzaniso, makadhi ekubhadhara akabudiswa nemasangano maduku anogona kuwedzera kudhura).
Saka vatengesi vanobvumirwa kuita chero chavanoda kana iwe uchibhadhara nekadhi yebhadharo? Mhinduro iri nyore kwete. Chibvumirano chebhizimisi nemakadhi ekugadzira mitambo inovadzivisa kuisa mari shoma yekutenga kwekutengesa kadhi kadi.
Kunyange zvakadaro, vamwe vatengesi vangasaziva kuti kune musiyano pakati pekadhi yemakadhi nemadhidhidhi emadhora , uye vamwe vangangosarudza kusatevedzera mitemo. Semuenzaniso, Visa mazano kune vatengesi vanosanganisira chirevo chinotevera:
Kushandiswa kwemadiki kushoma hakugone kushandiswa kune zvekutengesa izvo zvinoshandiswa nekadhi rebhadhiro.
Gwaro rimwechete rinopa mirayiridzo pamusoro pekudzidzisa vashandi kuti vaone kusiyana pakati pebhadhidhi makadhi nemakadhi emakwereti.
Kuudza Dhidhi Kadhi Kudyidzana Kwishoma Kudenga
Chii chaungaita pamusoro pevatengesi vanoputsa mitemo? Zvakanakisa kuvadzidzisa kuti iwe unofunga kuti vari kuita chimwe chinhu chakaipa. Kunyanya kana rinosvika kumabhizimisi maduku, muridzi webhizinisi angave asingasimiri pamitemo yose. Zvinhu zvinochinja nokukurumidza, uye vashandi vebhizimisi vane zvakawanda pamahwendefa avo.
Kutanga kukurukurirana nemunhu webhizimisi wemunharaunda yako kunogona kubatsira kune wese. Iwe unogona kunzwa uine tsitsi kune avo - kugamuchira plastiki inenge inoda kukosha, asi inodhura. Kunyange zvazvo mari yekugamuchira kadhi yebhadharo inowanzopfupi kwazvo kudarika chikwereti chekwereti mari yekubhadhara , kune vachiri mari.
Chengeta izvozvo mupfungwa sezvaunoita kutenga, uye ubhadhe nemari kana uchikwanisa. Inogona kubatsira bhizimusi rako raunofarira kuramba richifamba, uye richabatsira kuchengetedza mitengo pasi kune wese.
Kana iwe uchidavira kuti bhizinesi rinonyatsoteerera mitemo, unogona kuzvidudzira kumakadhi ekugadzira mitambo kana uchida.
- Taurira matambudziko kuVisa.
- Taura zvinetso kuna MasterCard.
Zvisinei, nokuti mutengesi haasi kutyora mitemo chero ipi zvayo kuburikidza nekuisa mari shoma yekutenga pamadhikiti emadhora, haungatori zvakawanda kana iwe ukashuma bhizinesi kumamiriro ako enyika Attorney General kana ku Federal Trade Commission. Vatengesi vanowanzogadzirisa mitemo ipi neipi yavanoda chero bedzi vasingaiti mitemo yehurumende kana yemunharaunda.