Chibvumirano Chinobetsera, asi Chachiri Kupikisana neMitemo
Asi makadhi emakadhi anonyorwa nezita rakagamuchirwa nemakadhi. Kana mumwe munhu akashandisa kadhi, muchengeti wekadhi kana kadhi yemakadhi anotarisana nezvinetso zvakakomba.
Usina mvumo yekushandisa
Kunyengera kana kushandiswa zvisina kubvumirwa zviri pachena chinetso.
Kana kadhi yako ikashandiswa pasina mvumo yako:
- Dzokorora dambudziko kumakadhi ako karesi. Kadhi yako rakabudisa ikambani yawakanyorera kadhi. Kana uine kadhi yebhadharo , unogona kusangana nebhangi rako. Kuzivisa makadhi acho kunofanira kudzivirira zvinhu kuti zviwedzere kuipa, uye inowedzera kudzivirirwa kwako pasi pemutemo wehurumende. Kana iwe uchimirira kwenguva refu, iwe unowedzera kukwaniswa kwako .
- Bika basa risina kubvumirwa kumapurisa. Kuti uite kudai nekadhi yako, iwe unogona kuisa rondedzero yemapurisa uye kupa kopi yemashoko. Munhu akashandisa kadhi anogona kutarisana nemhosva (pamusoro peiyo pasi apa).
Kushandisa Kadhi Nemvumo
Chii chinoitika paunoshandisa kadhi yemumwe munhu nemvumo (kana iwe uchibvumira mumwe munhu kushandisa kadhi yako)? Kunyange nemvumo, izvi zvinopesana nemitemo yemakadhi, saka mubati webhuku ari kuputsa sungano yavakasayina nemudzidzisi.
Kazhinji yenguva, hapana munhu achaona kana kutarisira, asi iwe unofanirwa kuziva kuti zvinopesana nemitemo. Paunofunga kuti zviri nyore zvakadini kuzviitira kubhadhara pamagetsi pamagetsi kana pazvitoro, hazvishamisi kuti makadhi anowanzoshandiswa neshamwari, vakaroorana, vashandi, nevamwe.
Kana bhizinesi rako kana kambani yemari yekwereti ichiona kuti uri kukwereta kadhi rako, pane mukana wekuti akaunti yako ichavharwa.
Mhosva dzisingatarisirwi: Kukwereta kadhi rako kune ngozi. Hapana chivimbo chokuti kadhi ichashandiswa chete nenzira yaunoda. Zvakaoma kuwana mari kana iwe ukarega mumwe munhu achishandisa kadhi yako nokuti kushandiswa kwakanga kusina kutenderwa. Mabhandi haazokuripi zvakare kana mumwe munhu akavhara account yako paATM pamushure mekupa mvumo yekushandisa kadhi yako nePIN .
Ngozi ye "vakwereta": Kushandisa kadhi yeumwe munhu kune ngozi. Hapana munhu anoziva kana iwe uine mvumo mberi kwenguva, saka kutadza kusingafungidziki kungava kuti iwe uri kuita urove. Kana mutengesi akakumbira chiziviso uye iwe haugoni kupa, zvinhu zvingave zvakaoma-kadhi rinogona kubviswa, mapurisa angangobatanidzwa, nezvimwe zvakadaro. Zvakare, munhu akakupa kadhi anogona kuzokumbira kuti iwe wakatora pasina mvumo (kana iwe uchipedza zvakanyanya, somuenzaniso, kana kana ukama hwako huchienda). Muzviitiko zvakawanda, mutengesi rekodhi uye video yekuchengetedzwa kwezvitoro zvinogona kushandiswa kuunza mhosva pamusoro pako.
Wana mvumo mukunyora: Kana iwe uchifanira kushandisa kadhi yeumwe munhu, zvausingafaniri kuita, kana kuwana rugwaro rwakasimbiswa kubva kumadhidhiti achiti une mvumo yekuita izvozvo. Chengetedza kadhi yacho yaenda kure kunze kwekuti iwe unonyatsoda iyo.
Kana ukashandisa kadhi iri muchitoro, mutengesi haadi kuziva kuti iwe une kadhi yemumwe munhu-vanoisa pangozi yokubhadhara mari , uye zvigadzirwa zvinomira kuti zvirasire mari kunze kwekuti muchengeti ane mvumo akagamuchira kutenga.
Gamuchira simba: Pane kushandisa imwe kadhi rechikwereti kana kukweretesa kadhi rako, kushandisa "vashandi vanobvumirwa." Pakumbira kweakabhadha, kadhi rechikwereti rinobudisa mari ichapa mamwe makadhi ane zita romumwe munhu. Nhoroondo yacho ichiri ndeyomukuru wekadhi, uyo ane mutoro wekubhadhara, asi musikana ane kodzero anobvumirwa kushandisa kero. Kana munhu uyo ​​akashandurwa kuti azive, zvose zvichafanana zvakanaka.
Kushandisa Makadhi Asingabvumirwi?
Kana chibvumirano chisati chapiwa, kushandisa mari yemumwe munhu kana kadhi rechikwereti inzira yekubata mazita . Nyika dziri kuparadzanisa tsanangudzo dzechipi chinonzi kubata ID, uye chirango chezvinhu izvi chiri kukura zvakanyanya.
Izvo zvakasiyana zvinosiyana kubva kune imwe nyika kuenda kune imwe nyika, saka shanya nemweya wepanzvimbo kana iwe une mibvunzo ine chokuita nemamiriro ako ezvinhu.
Munyika dzakawanda, kuve nekadhi yemumwe munhu hakubvumirwi nemutemo. Kuwanikwa kwemakadhi akawanda-kana mamwe mabhizimusi emari akanyorwa pasi apa-zvinogona kuunza mhosva yacho munharaunda yenharaunda (dai yakanga isati yasvika). Mukuwedzera kune mhaka dzinopomerwa kubva kuhurumende, iwe unogona kunge uchibhadhara kubhadhara kune avo vanoita mari uye vamwe vakaurayiwa.
Kana iwe wakaisa maoko ako pamakadhi eumwe munhu, uri kutamba nemoto. Hazvina mhosva kuti iwe unoda kushandisa makadhi chii-kana iwe usingagoni kuratidza kuti une mvumo, une matambudziko. Izvi zvinoreva kuti iwe haugone "kukwereta" nechinangwa chekuripa muchengeti wekadhi, uye haugoni kunyange kushandisa kadhi yezvikwereti izvo zvisingatori muchengeti chero mari ipi zvayo. Semuenzaniso, haugone kuratidza kadhi yekusununguka kwezviitiko zvemakadhi kana mabasa, kana kushandisa kadhi kuti utenge zvinhu zvaunodzoka musati waita mutero.
Saizvozvowo, hazvibatsiri kuti wakawana sei makadhi-kana vakatumirwa kwauri mukukanganisa kana kuti iwe wakavawana mumugwagwa, somuenzaniso, iwe hauna kumboda kuvenga. Zvisinei, iyo yakaipa pfungwa yekumbomira pane chero chinhu chingaita kuti iwe uone sevhavha. Bvisa makadhi kunze nemapurisa emunharaunda, vakarasika uye vakawana kupi kupi kwamakawana makadhi, kana kubhangi rakabudisa makadhi.
Beyond Cards
Debit uye makadhi emakwereti haisi iyo nzira chete yekuita kuti uzvipire kubhadhara maitiro. Vakawanda vanoti vanobvumirana nekutenderwa kwechimwe che " chikwata chekutengesa mari , " chakadai se:
- Makadhi akabhadharwa
- Nhamba dzekambani dzebhangi uye ruzivo rwekushandisa
- Nhamba dzekuzivikanwa pachako (PIN)
- Kadhi nhamba (iwe hausati uchida kadhi yacho pachayo)
- Checks
- Money orders
- Uye zvimwe zvigadzirwa
Zvinogonawo kuva zvisiri pamutemo kuti uwane ruzivo runogona kushandiswa pakuwana maakaiti uye nhoroondo yepaiti se:
- Usernames namaphasiwedi
- Social Security Numbers
- Zita remhandara romukadzi wemunhu (iwe unogona kuziva izvi pamusoro pemunhu chero upi zvake, saka chokwadi uye mamiriro ezvinhu zvakakosha - shanduro ine ruzivo urwu, zvechokwadi, yakaoma kupfuura zvidzidzo zvako zvisinganzwisisiki zvemhuri yemhuri)
- Dzimwe ruzivo rwemunhu
Pakupedzisira, zvinowanzove zvisiri pamutemo kuti uwane zvishandiso zvekubhadharwa kwemari, zvakadai semakadhi emakadhi nemichina yakadaro.