Iwe Unokwanisika Here? Ko Bhenji Inobata Ubavha Here?
- Kadhi yebhadharo inobatanidzwa zvakananga kuongororo yako yekuongorora , saka mhaka dzisingatarisirwi kuakaunti yako zvinogona kuita kuti iwe usakanganwa zvikwereti zvakakosha sekukwereta, kutora mari, uye mari yemishandiro yemishuwarenzi.
- Mutoro wako wekadhi yebhadha yebibhi yakakura kudarika dambudziko rako nemakadhi emakadhi-kunze kwekuti iwe uchitaura dambudziko racho nekukurumidza.
Basa rekugadzirisa ndiro rakafanana kana mumwe munhu akatora kadi yako kana iwe uchiri nayo (uye vanongowana nhamba yekadhi). Asi iwe une nguva yakawanda yekudzivirira kurasikirwa kana iwe uine kadhi yako.
Taura neBhangi yako
Nhanho inonyanya kukosha ndeyokutumira bhangi yako-pakarepo. Regai vazive kuti kadhi yako yemari yakabiwa kana kuti iwe unofungidzira kushandiswa kwemashandisi ako nhamba yekadhi yako. Nokukurumidza iwe unoita izvi, iwe pachako usiri panjodzi yaunenge uchitaridzirwa nayo. Mutemo weBurumende unodzivirira kubva kune uori uye zvikanganiso munhoroondo yako, asi kana iwe ukasangana nedzimwe nzira:
- Kana iwe uchizivisa bhanki rako risati raitwa kadhi nemakororo, iwe hauna mhosva kune chero zvikwereti.
- Kurasikirwa kwako kunogumira ku $ 50 kana iwe uchizivisa zvikwereti zvako zvemari mukati memazuva maviri ebhizimisi mushure mekudzidza nezvekubata.
- Mushure maizvozvi, kurasikirwa kwako kunogona kunge kwakakura se $ 500 chero bedzi iwe uchitaura mukati mememazuva makumi matanhatu ekutaurira kambani yako kambani.
- Mushure maizvozvi, unotadza kurasikirwa kusingagumi uye mutoro wemhosva mumabhuku ako.
Kana iwe uchiri nekadhi rako, asi mumwe munhu akabba nhamba yako yekadhi, une mazuva makumi matanhatu okuzivisa chero kushambadzira kwekunyengedzera uye bhengi rinovhara kurasikirwa kwako. Mushure memazuva makumi matanhatu, iwe uri mutoro wemhosva.
Taura nebhangi yako uchishandisa nhamba yefoni yaunowana pane yebhangi yako yepaiti kana webhutori yebhangi yako.
Mabhanji kazhinji anotora mishumo iyi 24/7, saka usamirira kusvika Muvhuro. Iwe unogonawo kuva nesarudzo yekuendesa mushumo paIndaneti (kana kuburikidza nebasa rako rebhangi). Pashure pokunge uchitaura nemashoko kubhengi yako, iwe unogona kutevera nemashoko akanyorwa-izvi zvakakosha kudzivirira kodzero dzako. Kukundikana kuita mapepa (hongu, zvinorwadza) zvinogona kureva kuti iwe wakundikana "kurondedzera" kubba.
Mukuwedzera kune kudzivirirwa kwako pasi pemutemo wehurumende, bhagheni rako kana kuti mutori wemakadhi angapa "zero mhosva" kudzivirirwa. Dzimwe nguva zvinhu izvi zvinopa zvakawanda kupfuura zvinoda murairo.
Credit Card Risk vs. Debit Card Risk
Marikiti yemakadhi yakachengeteka kudarika makadhi debit, uye ivo vangave sarudzo iri nani yekushandiswa kwezuva nezuva . Nguva dzose paunoshandisa kadhi yekubhadhara, unozarura mungozi yekuti munhu ari kuba nhamba yako kadi.
Kurasikirwa kwakakosha: Nekarasika kana yakabiwa kadhi rechikwereti, iwe unongotarisirwa kusvika ku $ 50 yemhosva dzisiri pamutemo pasi pemutemo wemutemo. Uye sezvinongoita nemadhikiti ekubvisa, iwe hauna mhosva yezvikwereti zvakarova kero yako mushure mekunge uchitaura kurasikirwa.
Mari inoyerera: Kadhi yako yebhadharo inokwevera mari zvakananga uye pakarepo kubva pakero yako yekuongorora. Nekadhi rechikwereti, kune rumwe rutivi, kukanganisa kwemhosva kunongowedzera "kufungidzira" bhaari yemari yekuti une mamwe mazuva makumi matatu ekubhadhara.
Kana mbavha dzichishandisa kadhi yako yekutengesa kubvisa kero yako yekuongorora, iwe uchange uine nguva yakaoma kubhadhara zvikwereti nekuita zvinhu zvakakosha nekuti mari yako yaenda.
Kugadzirisa zvishoma: Kana wakazivisa bhangi rako rebhengi rebhengi, bhangi rinosvika mazuva gumi kuti riongorore chikumbiro chako uye kwechinguva (kusvikira vapedzisa upfumi) kuchinja mari iyo mubhuku rako. Kurarama pasina mari yako kwemazuva gumi hakugoni kuitika. Kana iwe usingakwanisi kubhadhara, iwe uchasangana nezvimwe zvakaderedzwa mhepfenyuro kubva kune vatengesi uye hazvikwanisi mari yekubhadhara kubva kubhangi rako. Wedzera iyo mari yehuwandu yehuwandu hwehuwandu hwaunoda kupedza kuchenesa zvinhu zvose, uye kadhi rechikwereti rinonyanya kufadza.
Zvose zvakati, kadhi yebhengi inogona kunge yakachengeteka kupfuura mari: Kana chikwata chichiwana chikwereti chine mari, hauzombooni iyo mari zvakare.
Kushandisa kadhi yakabiwa kune ngozi , uye vazhinji mbavha havazoyambuki mutsetse iwoyo. Kunyanya iwe unogona kuwana mhaka dzekubiridzira dzinopindurwa kana bhangi rako richivadzikidza.
Vakawana Sei Kadhi Yangu Kadhi?
Kana uchiri nekadhi rako, unogona kushamisika kuti mbavha dziri kushandisa sei pakutenga kwepaIndaneti-uye kunyange kutora kubva kuATM.
Debit kadi nhamba dzinobirwa zuva roga roga, uye dzimwe nguva iwe hauna kubatanidzwa.
- Vatengesi vanogona kuba nhamba yemakadhi mune kukanganisa kukuru kwemashoko pavanopinda mumakombiyuta evatengesi.
- Vashandi veATM uye vatakuri vemapokoni vanobata nhamba yako yekadhi, uye makamera akavanzwa anogona kutora PIN yako apo iwe uri kuisa iyo.
- Vashandi vasina kuvimbika vanenge varipo chero kupi zvako vanogona kukopa pasi peji rekadhi rako.
Kuti uzvidzivirire, usapedza kushandisa kadhi yako yekutengesa kune chero mutengesi wausingazivi. Zvakare, makadhi emakwereti akachengeteka. Chero chero chikwata chaunogona kuisa pakati pekutarisa kwekombivha uye mbavha inobatsira. Mari yekubhadhara yakadai sePayPal inobatsirawo zvinyorwa zvinobudirira pakuvanza ruzivo rwekodha yako. Shandisa chip card yako-uye isa iyo kadhi panzvimbo yekudzora-kuti udzikise mikana yemba yabiwa.
Kana iwe uchida chaizvo mabhidhidhi ekutengesa, funga kadi yebhadharo yebhadharo yebhadharo panzvimbo dzekutsvaga nhamba yako inogona kubiwa. Iko makadhi haadi chikwereti cheko chekwereti, uye mbavha dzinogona kungotora zvaunotakisa mukadhi.
Chengeta zvinyorwa zvekamberi yako nguva dzose. Zvinosuruvarisa, hazvina kuchengeteka kuti zvinhu zvidzidzise padziviriro. Kuita kuti zvive nyore, sarudza mavara kana maizaira e-mail mukutarisa kwekaunti yako kuti akuzivise nezvebasa mubhuku rako. Izvi zvinokubatsira kuti ugove urovha kubhangi yako nokukurumidza, izvo zvinoderedza mutoro wako.