Chii Chinokosha Kuongorora?
Cheketi yakakosha cheketi yakanyorerwa asi haisati yataurirwa kubhadhara. Munhu kana bhizinesi anonyora cheki, uye mupiyo anokundikana kuisa kana kutengesa cheki.
Somugumisiro, saka cheki inoshamisa-ichiri kunze uko kune imwe nzvimbo.
Sei Kuchechechedza Kunotarisa Matter?
Paunobhadhara cheki, mutengi wako anoda kuisa kana kutenga mari yekuchechera kuti atore mubhadharo.
Bhizimisi rebhanhire richakumbira mari kubva kubhangi rako, uye mutengesi wapedzisa apo bhangi rako rinotumira mari kune bhizimusi rekubhadhara (kana kuti kuendesa mari kumubhadha wekambani, kana iwe mose mushandisa bhenji rimwechete kana chikwereti chekwereti).
Kana uyo akagamuchira cheke asingatomboiti chero chinhu-kana kuti cheki inorasika kana kuparadzwa-mari inogara mubhuku rekuongorora. Kunyange zvazvo izvozvo zvingaita sechinhu chakanaka kune muchengeti wekuongorora, zvinetso zvakawanda zvinomuka.
Inokonzera kubhadhara account: Kana iwe ukanyora cheki uye mari haisati yasiya akaunti yako, iwe ungazopedzisira wafunga kuti iwe unogona kushandisa mari iyoyo. Asi mari ndeyomumwe munhu. Kana vakaisa cheki iyo iwe usingatarisiri, iwe uchaguma nemari shoma kupfuura iwe waifunga, zvichida kubhadhara account yako uye kuburitsa checks .
Izvo zvisingazivikanwi: Mabhizimisi anofanira kuchengetedza nhamba yezvinhu zvakakosha kuti arege kuputsa mitemo yepamba isina kukodzera. Kana zvikwereti kune vashandi kana vatengesi zvichienda zvisina kukwana, ivo vanozopedzisira vashandura zvinhu izvozvo kune hurumende. Zvizhinji zvehurumende zvinoda mabhizimisi kuti aite saizvozvo mushure memakore mashomanana, asi chengetedza nevatongi vemunharaunda kuti uwane zvakawanda munharaunda yako.
Bhuku rezvemabhizimusi: Mabhizimisi anodawo kutarisa mari, mari, uye nheyo dzinotabhadharwa. Kana zvikwereti zvinoramba zvakanyanya, zvinhu zvinowedzera kuoma. Kubhadhara kunoenderera mberi kune rimwe boka guru, asi mabhizimisi anoda kuita zvigadziriswa panguva yekuyananisa , uye vanogona kudiwa kuti vadzoke zvakare chechi cheki. Kana mabhizimisi asingagoni kubata mamiriro acho nenzira yakarurama, vari kuputsa mutemo.
Zvaunofanira kuita Nezvokuongorora Zvakakosha
Iva nechinangwa pamusoro peongororo yakaisvonaka uye uwane zvinhu zvakagadziriswa nokukurumidza sezvazvinogona. Usafungidzira kuti izuva rako runyararo uye kuti iwe unoshandisa kushandisa mari kune zvimwe zvinangwa. Iwe uchiri kukwereta mari yacho, uye iwe unofanirwa kuribhadhara nokukurumidza kana kuti gare gare-kana uchienda kune inenge yakatarwa kana kuhurumende. Shandisa maitiro ekugadzirisa ayo anoderedza cheki chero ipi zvayo isina kukwana kubva pamari yako iripo.
Dana kana kunyora: Kana ukacherechedza kuti cheki haisati yaiswa, taura nemupaye. Imwe foni kana email ndiyo yakanaka-ingotarisa kuti uone kuti vakagamuchira mubhadharo uye bvunza kana vaizoisa cheko. Kana izvozvo zvisingashande, chinhu chakanaka kutumira tsamba ichivaudza kuti cheki haina kuiswa, uye vanofanira kukuzivisa iwe kana vasina kuwana mubhadharo.
Kana uchida template, shandisa Shanduro Yedu yeZvakanaka Zvakakosha .
Chengeta zvinyorwa: Nyora chero kukurukurirana kwaunotumira kana kugamuchira pamusoro pekuongorora kukuru. Iwe unogona kuedza kuratidza hutungamiri hwehurumende kuti iwe wakaedza kuedza kubhadhara mubhadharo, asi mubhadharo uyu haana kubatirana, kana kuti zvaisakwanisika kutarisana nemutengi.
Mutero wepaIndaneti uripo: Somunhu, iwe unogona kuderedza "kushamisika" kubvisa mari yako mubhuku rako rega kuburikidza uchishandisa bhadharo rekubhadhara pamutero panzvimbo yekunyora cheki: Bhengi inoderedza mari kubva kuongororo yako yekuongorora kana cheko ichidhindwa. Asi mari yacho ichadzorerwa ku-akhawunti yako kana mubhadhari asingakwanisi kuisa cheki mukati mehuwandu hwenguva (kazhinji mwedzi mitanhatu kana pasi).
Unofanira Kunyora Rimwe Kutarisa?
Mushure mokutaura nemutengi wako, vangakukumbira kuti utume imwe cheke, iyo yavanopikira kuti ichaisa nokukurumidza.
Usati waita kudaro, vakuudze kuti vadzokere cheke rekare, kana zvichibvira. Izvi zvinoderedza kukanganisa kuti ivo (vachingozvipira kana vasingadi) vanoisa zvose cheki.
Zvinogona kunge zvakakosha kubhadhara cheki itsva pasina kutora chekare chekare. Cheketi inogona kunge yanyangarika chero chikonzero chipi zvacho, uye mutengi wako anoda imwe itsva. Izvi zvinokuisa mumamiriro ezvinhu anonyadzisa nekuti iwe uchava nemachechi maviri kubva kune imwe chete. Kana cheko rekare richiiswa, bhanki yako inogona kukudza cheki, uye iwe unopedzisira kuripa kaviri. Mabhanji kazhinji haazoremekedzi kuongorora zvakanyorwa kwemwedzi mitanhatu yapfuura , asi zvinowanzoitika zvakakwana kuti iwe unofanira kungwarira (kunyange kana iwe uchidhinda "Hazvizove shure kwemazuva makumi mana" kana chimwe chinhu chakafanana pamatsva ako).
Nzira mbiri dzinogona kukudzivirira:
Rega kubhadhara: Kana mari yacho yakakura zvakakonzera kukonzera matambudziko (kana kana iwe usingavimbi mubhadha), funga kubvunza bhanki rako kuti "rega kubhadhara" pachikwere chekare. Iyi nzira haina kukwana, asi inogona kukudzivirira. Rega kubhadhara zvikumbiro zvinodhura mari, uye zvinongogara kwemwedzi mitanhatu, saka iwe unogona kudzokorora chiitiko kakawanda.
Gamuchira chibvumirano: Kumbira mubhadhadzi kuti asayine rugwaro runopikira kuti haufaniri kuisa zvose cheki (shanduro tsamba inosangana nepamusoro ine mutauro uyu). Izvo hazvingatadzisi mubhadharo kubva pakuisa kaviri, asi inowedzera chiyeuchidzo uye nzira yepepa inogona kubatsira.
Sei Usingaiti Checks kuwana Cashed?
Checks haisi kuiswa kune zvikonzero zvakawanda.
- Hapana kumhanyira: Chikonzero chakareruka chinogona kunge chiri chokuti mubhadharo haasati atombotarisana nekugadzira cheki. Zvichida havadi mari yacho nokukurumidza, uye vave vachishingaira kuita zvimwe zvinhu.
- Kudonha kupera: Cheki inogonawo kurasikirwa mumapuranga epepa kana kuwira kumashure madheski. Zvakare, kana mari yacho isingakoshi kune mutengi, haigoni kuonekwa.
- Zvinetso Zvokutakura: Pakupedzisira, cheki dzinogona kudzorerwa kwauri mumakasti kana kero yebhadhiro yashanduka, asi iyo inogona kutora nguva inoshamisa.
Checks Dzakatumirwa Kwauri
Kana cheketi yakabhadharwa kwauri uye ichiri yakakosha pashure pemwedzi mitanhatu, taura nekokupa muchengeti uye unokumbira kuchinja. Iwe unogona kudzoka cheko chepakutanga kana kuti zvinyorwa zvemashoko zvinotaura kuti cheko rakarasika kana kuparadzwa (uye kuti hauzoedzi kuisa zvose cheki). Kana iwe usingakwanisi kuwana mutsvaga, chengeta nenyika yako yakasiyiwa purogiramu yekuda mari.