Chii Chinoitika Kana Iwe Kunyora Kuipa Kwakanyanya
Kana iwe wakagamuchira check rubber, ona How Returns Checks Work .
Iwe uchawana kuti chii chakakonzera dambudziko, kuti ungaritarisa sei, uye kuti ungadzivirira sei mune ramangwana.
Chii Chiri Kutarisa Zvakaipa?
Cheketi yakaipa ihokwe iyo bhangi yako haibhadhara. Paunonyora cheki, mubhadha (munhu, bhizimisi, kana sangano rauri kuripa) achaisa cheki kumabhengi ebhangi kana kuedza kuribhadharira. Cheketi yacho ichazotumirwa kubhangi rako - zvichida nokukurumidza zvikuru kana ichitendeukira kune chekugadzira magetsi - uye bhenji rako rinotarisa kuona kana iwe une mari iyoyo iripo muakaunti yako.
Kana iwe usina mari iripo , wakanyora cheki chakaipa. Dzimwe nguva izvi zvinangwa: iwe unoziva kuti hauna mari, asi iwe unonyora cheki zvachose (iyo inhano yakaipa). Mune dzimwe nguva, ingozi (iwe waifunga kuti une mari inowanikwa):
- Mubhadharo wawakatarisira (sokutora zvakananga kubva kubasa rako) hauna kutema account yako
- A mari kana kubhadhara haisati yabviswa muakaunti yako
- Kushandisa kadhi yako yemari yakagadzira kubata muakaunti yako (pane zvakawanda zvawakashandisa zvechokwadi)
- Mumwe munhu akaisa cheki yawakanyora kare kare asi akanganwa nezvazvo
Zvingaitika kune chinangwa kana pangozi, zvigumisiro zvinowanzofanana (zvichifunga kuti hausi kuita tsika kubva mazviri). Saka, chii chinoitika kana iwe ukanyora cheki chakaipa?
Mari uye Mari
Kuongorora kwakaipa kunogona kukwereta mari yausina.
Iwe unenge nguva dzose unofanirwa kubhadhara mari kune bhizinesi iwe wakanyora cheki kuenda (inowanzokomberedza $ 25). Mukuwedzera, bhizimisi iro rinogona kuramba kutora cheko rako richienda mberi. Bhengu yako inopawo mari yekutengesa zvakaipa. Vachadzoka cheki kuenda kune bhizinesi risingabhadharwi, uye vachikurovai nebhadharo yekuchechedza (kazhinji inenge madhora 35 kana zvakadaro).
Zvisinei, bhagheni rako rinogona kusarudza kubhadhara cheki se "ruremekedzo" uye kubhadhara mari yepamusoro yezvebhadhiro (zvakare, kazhinji inenge madhora makumi matatu, kana kuti vanogona kuidana chikwereti uye kukubhadhara iwe unofarira). Dzidza zvakawanda pamusoro pekuti How Overdraft Protection Plans Work .
Kana uri kuchengeta nhamba, iwe zvino uri kubhadhara mari mbiri. Panewo mukana wakanaka wokubhadhara kwako (chero chii chawakanyora kukosha kwacho) kuchafungidzirwa kuti "nguva," kuitira kuti ugone kupedza kubhadhara zvikwereti zvishoma zvakare.
Zvakaipa Tarisa Databases
Imwe njodzi ndeyokuti iwe uchapedza mune d database yevanhu vanonyora zvakaipa checks . Mabhanji haazokubvumi kuti uzarure kero yekutarisa , uye vamwe vatengesi vangarega kugamuchira cheki kubva kwauri. ChexSystems inongova kambani imwe chete inotarisa zvakaipa checks , kazhinji yezvikwereti zvemari. Vatengesi vanoshandisawo check check verification services kuti vaone kana vachifanira kukubvumira kunyora cheki (vasati vatendera kuti uende nekutengesa).
Hazvisiri pamutemo here?
Kunyora kuongorora kwakaipa kunogona kunge kusina kunaka. Hurumende imwe neimwe ine mitemo yakasiyana, miganhu, uye nzira, asi iwe unofanirwa kuziva kuti iwe unokwanisa kuguma mujeri nekunyora zvakaipa checks. Zvichida hazvizoitiki kana iwe uchinge uchinge waita cheki kana maviri, asi zvinowanzoitika (uye "biggies") zvinogona kuva dambudziko. Mushure mezvo iwe uchiri kungofanirwa kutarisana nemitemo yepamutemo, mapurogiramu anoremekedzwa ezvidzidzo, uye nhoroondo yakatadza yakaipa.
Kuti uwane mamwe mashoko, ona I Bounced Check. Zvino Chii?
Macheko Akaipa Anobatsira Sei Kubhadhara
Kuongorora kwakashata hakuratidzi pane zvikwereti zvekwereti zvemari . Zvisinei, makambani akadai ChexSystems anochengetedza zvinyorwa zvemabasa ako ebhengi.
Kana iwe usina chikamu chechikwata chekwereti (nokuti iwe hauna kumbovaka chikwereti chako ), vateresi, vashandi, uye vashandi vanogona kutarisa "mamwe maitiro" masangano ehurongwa hwekwereti kuti asarudze kana kuti kwete kuita bhizimisi newe.
Nhengo idzi dzinogona kusanganisira ruzivo pamusoro pekutengesa kwakaipa, izvo zvinokuvadza mukana wako.
- Dzidza zvakawanda: Chii Chikwereti?
Pakupedzisira, bhizinesi raunonyora zvakaipa checks kuti utumire konti yako kune sangano rekuunganidza . Kana iyo sangano inoshuma basa kune zvikwereti zvikwereti zvekwereti, zvikwereti zvako zvekwereti zvinotambura zvinotambura.
- Dzidzai zvinyorwa zvitsva: Sei Chikoro Chebasa Basa
Nzira Yekurega Kunyora Zvakaipa Cheki
Kana uri kukonzera cheki, tora matanho ekudzivisa zvose zvinetso zvakanyorwa pamusoro apa.
Chengetedza ruzivo rwehuwandu hwaunenge huripo muakaunti yako yekuongorora (uye yeuka kuti pane musiyano pakati peyeri yekeri yako uye yako iripo mari ). Zviri nyore kuwana muganhu wako kana iwe ukatumira paIndaneti kana kushandisa shanduro pafoni yako. Nokuda kwekutsvaga kwekinyorwa, meseji inogona kuva yakasimba chaizvo .
Shandisa mari yako chekuongorora kuitira kuti iwe uzive kuti une zvakawanda zvakadini iye zvino, uye kuti uchava nezvakawanda sei mangwana. Kune nzira dzakawanda dzekuenzanisa nhoroondo yako - sarudza iyo inoshanda zvakakunakira iwe.
Pakupedzisira, chengetedza mari shomanana muakaunti yako sechinhu chakaipa. Zvikanganiso zvinoitika, uye dzimwe nguva imwe $ 10 kana $ 20 inogona kukubatsira kuti usadzivirire mari uye misoro.
Iwe unogonawo kushandisa zvishandisi zvakasiyana-siyana zvekubhadhara. Kana iwe uchipedza nemari, iwe unogara uchiziva zvaunogona kuwana. Zvechokwadi, mari haisi nguva dzose yakachengeteka kana inoshanda. Makadhi ekubhadharira ndeimwe imwe nzira yakanaka yekushandisa mari kubva pakero yako yekuongorora.