Kuzivikanwa kwehutano kubhadharo ndicho chigumisiro chekuzivikanwa kwekuzivikanwa panzvimbo yehutachidziro hwekuba. Iko kubba kunoitika mushure mekunge mbavha yave yatogamuchira ruzivo rwako pachako. Kana imwe mbavha ine ruzivo urwu, iye anogona kushandisa ruzivo urwu kuti azarure kana kutora kero yakange iripo, uye chinangwa chavo chikuru ndechekubhadhara nekuwana chikwereti chitsva muzita rako kana kurasa mari kubva mubhuku.
Kuvhara kwehuzivi kunowanikwa apo munhu anoshandisa ruzivo rweumwe weumwe - Social Security number, zita, zita remhandara remadzimai - kuita zvinhu zvisina pamutemo kana kuita chekubiridzira. Somuenzaniso, mubavha wekuziva angave akazarura kadhi yekwereti yekwereti pasi pezita rairova. Apo mbavha inokundikana kubhadhara chikwereti chekadhi rino rechikwereti, chikwereti chacho chinoshushwa kune ripoti rekwerekiti yeaiti.
Mamwe mafomu ehuzivi hwekuba
Dzimwe mhando dzekudzivirira huzivi dzinosanganisira apo mbavha inotora chikamu chekare chekadhi rechikwereti uye inotanga kuitisa mhaka. Kazhinji, mbavha chaiyo inosangana nemudzidzisi wekadhi uye inoshandura iyo kero yekubhadhara kuti udzikise mikana yekuti iwanikwe. Mamwe maitiro ekuzivikanwa kwekuzivikanwa anosanganisira kubhadhara chikwereti kune zita romumwe munhu, kunyora kuongorora achishandisa zita remunhu anenge achinetswa kana kushandisa mashoko ega ega kuti awane kana kutumira mari kubva kubhuku. Munyaya dzakaipisisa, mbavha inogona kutora kuti munhu wacho azvizivikanwe uye kuwedzera pakusvhura kambani yebhangi kana kuwana kadhi rechikwereti muzita raanotambudzwa, achatenga motokari, kutora chikwereti kana kutowana basa pasi pezita remunhu .
Kuvharidzirwa kwehupfumi kunenge kune nguva dzose ine sangano rezvemari mumusanganiswa, zvakadai seine muridzi webhangi yebhangi, chikwereti, debit kana kadhi rechikwereti. Izvo, chokwadi, ndeyokuti iyi ndiyo iyo mari iri. Iko rudzi rwekudzivirira huzivi hunoitwa kuburikidza nenzira dzakawanda. Nhoroondo yekuti, mbavha yekuziva yakakwanisa kuwana ruzivo rwakakosha kuburikidza ne "low-tech" zvinoreva.
Izvi zvinosanganisira kubvisa bhokisi rekutengesa kutsva kana kupinda mumarara kuti uwane kambani yebhangi kana kuti inotenderwa kare kare. Mbavha evamwe vanogonawo kuedza kunyengedza vanhu vachivapa ruzivo kuburikidza nekuita zvinhu zvakadai sekuita semushandi pabhangi.
Nzira Dzokuzivikanwa Kwokuba
Mimwe nzira iyo mazivivha embavha anowana ruzivo rwakanyanya kuoma. Imwe nzira, inozivikanwa se " skimming ," inobvumira kuti mbavha dzedzisi dzishandise makombiyuta kuwana nekuchengetedza ruzivo kubva kune magnetic strip yechikwereti chekwereti kana ATM apo kadhi inopinda nomudzidzi wekadhi. Kana ruzivo irworwo rwawanikwa, runogona kuiswa pamutsara weimwe kadhi, iyo inobvumira mbavha kushandisa kadhi pane imwe ATM kana muverengi wekadhi yemakadhi.
Kune vanhu vanobayiwa zvebavha, mari uye migumisiro inogona kuramba kwemakore uye ichinyanya kukosha. Aya mbavha dzinogona kukurumidzira kumhanya makumi ezviuru zvemadhora mune chikwereti muzita raiye anotambudzwa. Kunyange kana mutengi asingakwanisi kubhadhara zvikwereti izvi, pane zvimwe zviitiko zvakadai semuipi wakaipa pamakero avo emakwereti izvo hazvisi nyore kugadzirisa. Ichokwadi, zvinogona kutora mwedzi kana makore kugadzirisa zvikanganiso izvi. Munguva iyi, munhu anenge apomerwa angakanganwa zvikwereti, zvikwereti, uye basa.
Uyezve, kunyange mushure mokunge mabhiriro agadziriswa, mashandiro matsva anogona kuonekwa mwedzi kana kunyange makore gare gare.
Kunyange zvazvo nhamba dzehuwandu hwekuparara kwekuzivikanwa dzinowanzosiyana, iyo data inoratidza kuti nhamba yekuzivikanwa kwenyaya dzekudzivirira yakave ichiwedzera pamusoro pemakore mashoma apfuura.