Nzira Yekudzivirira Rubber Checks (Uye Mari)
Apo gwaro risina kukwana mari , bhenzi rekucherechedza richaramba chikumbiro chekubhadhara uye kudzorera cheko (kana chikumbiro chemagetsi) kune bhizimusi. Panzvimbo pokutumira mari kumutengi, chikumbiro chekubhadhara "chinowedzera" kumashure.
Nei Cheki Chengetedza
Apo vanhu vanobhadhara nekucheka, pane kuvimba kunobatanidzwa: Hapana mari inoshandura maoko pakarepo, uye zvinotora mazuva akawanda kuti mari iende kubva kune imwe nhoroondo kuenda kune imwe. Mutengi (kana kuti akagamuchira cheki) haazive kuti mari yakadii iyo munyori wekuchechecheche yaanokwanisa kutenga, asi vatengi vakawanda havaiti tsika yekugadzirisa cheki, saka kuongorora kunowanzogamuchirwa nekutenda.
Mune mamwe mazwi, vatengesi nevatsigiri vebasa vanobvuma kuongorora kutora kuti checks ichajekesa pasina matambudziko.
Iwe unogona kunyora chero chinhu: Zvingaita kuti unyore cheki chero mari yaunoda iwe, ingave kana kwete iyo mari iripo chaizvo kuti inoshandiswa mumari yako yekuongorora. Kunyora mabhegi anoongorora nemaune zvinowanzomutemo, uye pfungwa yakaipa nokuda kwezvikonzero zvakawanda , asi zviri nyore kuita.
Njodzi dzinowanzoitika : Dzimwe nguva kuongorora kunoputika nengozi. Muchengeti wekuchechedza angatenda kuti ane mari inowanikwa , asi kuregera kunoderedza kuenzanisa kwake uye kunomubata nekushamisika.
Semuenzaniso, zvinoshandiswa pamashandisirwo emagetsi ehurumende, kuongorora kwakakosha kunokonzera nhoroondo zvisina kutarisirwa , uye kadi yakakura yedbititi inobata inogona kuita kuti kuongorora kuitwe. Kunyanya, dzimwe nguva vanhu vanongokanganwa kuita dhipatimendi kana kutarisa kuenzanisa kwekambani yavo.
Matambudziko nekambani kana cheki: Cheki dzinogona kukonzera zvimwe zvikonzero zvakasiyana-siyana.
- Akavhara nhoroondo: Kana kuongorora kwekambani kwavharwa chero chikonzero chipi zvacho, kuongorora kunorambwa. Mune zvimwe zviitiko, ichi chiratidzo chekubiridzira, uye zvinogonawo kuitika apo payees inonoka kuisa cheki.
- Rega kubhadhara: Kana muongorori akaongorora akaisa mutero wekumisa pane cheki, bhanhire rinofanira kukudza chikumbiro ichocho. Mune zviitiko izvi, vatengi vanoda kuziva kuti sei chikumbiro ichi chaitwa uye kugadzirisa kune imwe nzira yekubhadhara.
- Matambudziko ane cheki: Mabhanho anoramba kuratidza cheki kana pane chinenge chiri chekufungidzira. Zvinetso zvakajairika zvinosanganisira kusina masayiti uye cheki-dated checks, asi zvimwe zvinogona kukonzera mabhangi kutsigira cheki.
Kana cheki yakaipa ikasungwa kana mubhadhari achiedza kuribhadharira, cheki inoenda kubhangi yemunyori chekuongorora (mune pepa kana pamagetsi). Bhizinesi ichaona kana chekiti yekuongorora ine mari inowanika, uye bhangi ichabhadhara cheki kana zvose zvakanaka. Kana pane matambudziko, bhangi ichapa tsanangudzo pfupi uye kudzorera chikumbiro kune bhandi.
Mari, Mhosva, Mari
Rubber checks rinotungamirira kumari - kune vose vanobatanidzwa.
- Kana iwe ukanyora cheki chakaipa, bhenji yako ichakubhadhara mari yekusakwana kwemari kana kuti overdrawing account yako. Mari iyo inowanzokomberedza $ 35 kana zvakadaro. Mukuwedzera, munhu kana bhizinesi iwe wakanyora cheki kuti iwe unogonawo kubhadhara mari yekuripira kana kuti nguva yekubhadhara mari.
- Kana iwe ukagamuchira cheki inowedzera, iwe unofanirawo kubhadhara. Bhengi yako ichakuita kuti uise cheketi yakaipa-kunyange zvazvo yakanga isiri yako mhosva. Mari iyo inowanzo mu ballpark ye $ 35. Mune zvimwe zviitiko, iwe unogona kudarika izvo zvinopomerwa kumunyori anoongorora, asi iwe unofanirwa kutevera mitemo mimwe yekuunganidza mari iyo kubva kune nyanzvi yekuongorora (uye hauzive kana iwe uchawana chero chinhu, kusanganisira kubhadhara kwepakutanga, kubva kune mutengi uyo anonyora cheki rakaipa).
Dzivisa Bounced Checks
Zvose chekuongorora vanyori uye kutarisa vanogamuchira vanogona kutora matanho ekudzivirira kutengesa kubva kune bouncing.
Chengeta vanyori vanofanira kuve nechokwadi chokuti vane mari yakakwana inowanikwa kune cheki dzose dzinonyora.
- Ziva muyero wako: Chengetedza mari yako iripo (iyo inogona kunge yakasiyana neyero yekero yako ) kazhinji. Shandisa purogiramu yemari yako uye kutumira mameseji nebhangi rako kuti unzwisise apo mari inodzinga account yako.
- Chengetedza mutsara: Siya mari yakawedzerwa mubhuku rako rekuongorora nekuda kwezvinhu zvisingatarisirwi. Iko mari inogona kubatsira kana iwe ukanganwa nezvebhadharo iyo yakarova account yako, uye kana iwe uchida mari yekukurumidzira. Kana iwe uchigara uchichengetedza konti yako yepamusoro yakangosvika zero, iwe unowanzobhadhara zvinodhaka zvekare uye unoshandisa mari inodhura yemari.
- Shandisai account yako: Chengetedza reji yako rekuita, kuisa, uye kurega. Kana iwe uenzanisa maakaunti ako, uchaziva zviri kuitika muakaunti yako isati ibhengi yako . Iwe uchange uine nguva yekuita mari kana kutamisa mari kuti urege kudzivisa kuongorora uye kubhadhara mari yekutengesa.
- Kurukura nevanokurudzira: Kana iwe ukanyora cheki uye iwe pave paya unoziva kuti zvichange zvichinyadzisa, taura nevanokurumidza pakarepo. Regai vazive vasati vaisa cheki, uye vaite zvimwe zvirongwa. Izvi zvichachengetedza nguva nemari kune imi mose.
Tarisai vanogamuchira nguva dzose vanotora njodzi kuburikidza nekugamuchira cheki, asi zvinogona kutarisira matambudziko aya.
- Edzai mari: Bvunza bhandi yemunyori chekuongorora kuti uone mari usati wagamuchira kana kuisa cheki. Dzimwe mabhengi achashandira pamwe, asi vamwe havangapa chero ruzivo rwemakambani evanhu. Iwe haugoni kuziva kunze kwekuti iwe uchiedza.
- Chengetedza maitiro ekugadzirisa: Mabhizimusi anogona kushandisa databases dzinoona kutarisa maakaunti uye kubatsira kubvisa cheki zvingangodaro. Vangatova vimbiso yekubhadhara pamatambudziko akadai ekuwedzera mari.
- Matanho: Sarudza kuti ndiani waunobvuma cheke kubva. Kune mamwe mabhizimusi, njodzi inokosha, uye iwe unogona kubatsira kubatsira vamwe vatengi kuburikidza nokutora cheke (kunze kwekuda kadhi rechikwereti kana kuenda kune mari chete ). Asi zvakakosha kutevera maitiro akanaka kana iwe uchizobvuma cheke .