Maererano neHeral Trade Commission uye Consumer Financial Protection Bureau, vateresi vateresi ndeimwe yevakanyanya kunyunyuta nezvebhizimisi uye nechikonzero chakanaka. Vanhu vashomanana vane zviitiko zvakanaka zvinosangana nevatokari vatokari. Kunyange izvo zvisingadikanwi zvakanaka zvinogona kuva nengozi, kunyange kana chete nokuda kwekuti vari kudana mari. Asi zvinowanzosvitsa kuti mabhizimisi ashandise vatengesi, naizvozvo hazvisizvo kuti vateresi vatengesi vari kuenda kwose kwose.
Chii chikwereti chikwereti?
Chikwata chekuunganidza chikwereti ndechepeji yemari yemari yakatumirwa kune wechitatu-chikwereti chikwereti. Vateresi vateresi mapoka makambani anotora zvikwereti zvisina kubhadharwa kune vamwe. Kambani yepakutanga yawakagadzira chikwereti ichi kazhinji yakatumira nyaya kuhofisi yekuunganidza mushure mekunge uchinge washaya hutengi huripo uye hwakange husingakwanisi kukubhadhara iwe. Izvi zvinowanzoita mari yakawanda kune makambani ekubhadhara chikwereti vatengesi pane kuramba vachipedza pfuma yavo pachavo vachitsvaga kubhadhara pamabhadharo evanoshandiswa.
Vakwereta vakasiyana nevakweretesi vane mitemo yakasiyana yekutumira maakaiti kumakokani. Kudzokorora kadhi rako rechikwereti kana chibvumirano chezvikwereti kunowanzopa humwe ruzivo pamusoro pomuganhu wekwereti wako. Nhoroondo dzakawanda dzekadhi rechikwereti dzinotumirwa kusangano rinounganidza shure kwemazuva 180, kana mwedzi mitanhatu, yekusabhadhara. Dzimwe mhando dzemabhizimisi dzinogona kutumira mabhizinesi kumabhishopi ekuunganidza mushure memwedzi kana maviri chete kana kutadza kubhadhara.
Zvaunotarisira Paunenge Uine Iko Akaunganidza Chikamu
Apo vari kuedza kukuendesa iwe kuti ubhadhe chikwereti chako, vateresi vanokwereta vachakushevedza, kutumira matsamba, uye kuisa mukova pamushumo wekwereti yako. Kana vane nhamba yefoni yako yebasa, vangatokushevedza kunzvimbo yako yebasa kunze kwekuti iwe ukavaudza kuti vashandi vako havabvumi nechekufonera.
Vamwe vateresi vave vachizivikanwa kuti vazviratidze pamusha wemunhu mukuedza kwavo kuunganidza chikwereti. Zvinoshamisa, izvo zviri pamutemo. Vanokweretesa vatokari vanogona kutodana foni yako, kana iwe ukapa nhamba kune chikwereti chako kuti ataure newe.
Vanokweretesa chikwereti vanogona kukushevedzai chete pakati pemaawa 8 am uye 9 pm nguva yenguva yenyu. Vateresi vatora vanogona kukushevedza kakawanda pazuva, kunyanya kana iwe uri kutora foni dzavo. Zvisinei, vateresi vanorambidzwa kukushevedzai kudzokera shure kumeso ekuedza kukutsamwisai.
Apo chikwereti mutora ane nguva yakaoma kukusvika iwe, vanogona kudana shamwari dzako kana vavakidzani kuti vave nechokwadi chekuti vane ruzivo rwakakwana rwekukurukura kwauri. Vanobvumirwa kuita izvi, asi havabvumirwi kuzivisa kuti vari kuunganidza chikwereti uye havagoni kutaurirana nomunhu mumwechete kupfuura kamwechete.
Vateresi vateresi vanotumira zvipo zvekubhadhara kukero yavari pane faira. Mubhadharo ravo rokutanga kwauri, vanofanira kukuzivisa kuti une mazuva makumi matatu ekukumbira kubvumirwa kwechikwereti . Kukumbira kugonesa kunoita kuti muteresi anokwereta ave nechokwadi chokuti iwe unokwereta chikwereti. Chiyeuchidzo chekugadzirisa chikwereti chinogonawo kupiwa kwauri pamusoro pefoni kana foni ichinguva yekutanga mutengi arikukurukura newe.
Kana vasina kero yakakodzera, iwe haungambogamuchiri chiziviso chechikwereti. Uye kana muteresi asina nhamba yako yefoni yakakodzera kana kero, iwe haugoni kuziva nezvekambani kusvikira iwe uchiona yakanyorwa pamushumo wekwereti yako.
Vateresi vateresi vanofanirwa kutevera Mutemo Wekuda Kukanganiswa Kwematokari, kana FDCPA, apo vari kuunganidza chikwereti kubva kwamuri. Zvisinei, zviuru zvekunyunyuta kwevatengi vanoita zvinopesana nevatengesi vematare gore rimwe nerimwe zvinoratidza kuti havasi kutevera mutemo nguva dzose.
Nzira Iko Mapoka Anogumira Nayo Pamusoro Pako Mari Yenyaya?
Chikamu chako chekwereti chine ruzivo pamusoro pekwereti yako yekwereti, semu kadhi yemakadhi, zvikwereti, nezvimwewo. Vakawanda, kana kwete vose, vevako vane chikwereti vanotumira zvinyorwa zvemwedzi wepamusoro pamusoro penzvimbo yako yekubhadhara kune chikwereti chenyaya yako.
Apo iyo nhoroondo inotumirwa kusangano rekuunganidza, kana wekweretesi wepakutanga kana muunganidzi anovandudza account pane yako chikwereti chekwereti nemamiriro e "kuunganidza".
Munhu ane chikwereti haafaniri kukuudza kuti akaunti yako iri kutumirwa kuzvikamu. Zvisinei, chikwereti chikwereti chinofanirwa kukuzivisa iwe kuti vari kuunganidza chikwereti vasati vatora matanho.
Zvinorevei Pamusoro Pokutsiva Kwako?
Chikwereti chikwereti ndechimwe chezvinhu zvakanyanya zvakanyanya zvekwereti yemarikiti . Nhoroondo yekusungirirwa inoratidza kuti iwe wakave wakanyanyisa kudarika pane imwe nhoroondo.
Chikwereti chako chikwata chichadonha kana boka rinowanikwa pamushumo wako. Iwe unogona kurambwa nokuda kwekwereti yemarikiti uye zvikwereti munguva yemberi, kunyanya kana kuunganidza iko kwechangopfuura kana kusara kusingabhadharwi kana maviri.
Chikwereti chekukwereta mabhuku chinogona kugara pahupoti yako yechikwereti kusvika kumakore manomwe. Iwe unogona kuderedza migumisiro yekokuunganidza pane yako chikwereti chikwereti nokuripa. Sezvo nguva ichipfuura, nhoroondo yekuunganidza ichachinja kero yako yekwereti zvishomanana. Kuramba uchibhadhara dzimwe mimwe mitero yako panguva inobatsirawo chikwereti chako chikwereti kubva pane chikwereti chekuunganidza.