Mazuva ano kungova nekadhi rechikwereti kunokuisa pangozi yekuti iwe unotambudzwa kadhi rechikwereti chekwereti . Mbavha ane nzira dzinoverengeka dzokubira chikwereti chako kana kunyange nhamba yako yekadhi yemakadhi uye uchishandisa ruzivo rwekuita zvikwereti zvisina mvumo pane account yako. Ndinofara, ose mana makuru makadhi emakadhi echikwereti - Visa, MasterCard, Discover, uye American Express - inopa mutoro wekunyengedza zero. Uyu mutemo uchakuchengetedza kuti urege kutongerwa mhosva dzakawanda dzenhema dzinowanika paakaunti yako.
Ndezvipi zvinorehwa nehutano hwekunyengera zvinorevei uye unodzivirira zvakadini iwe une chaizvoizvo?
Zero Kubiridzira Kunokwanisika Kushanda Sei?
Zero yekunyengedzwa kwekodzero kunokudzivirira kubva kumhosva dzisina kubvumirwa dzakagadzirwa nekodhadhi yako kadhi rekwereti. Mitemo yakawanda inokufukidza iwe kana izvi zvikwereti zvakaitwa paIndaneti kana mu-munhu. Iwe haufaniri kubhadhare kana kubhadhara mutoro wekunyengedza zero - iyo inowanzouya nekadhi rako rechikwereti.
Paunoona kusabvumirwa kusina mvumo pane account yako kana kuti kukanganisa kuti account yako ingangodaro yakashandiswa pasina mvumo yako, unofanira kutumira kadhi yako yechikwereti pakarepo. Kana iwe uchiri nekadhi rechikwereti rako, taura nekadhi kadhi rechikwereti kuburikidza nhamba iri kumashure kwekadhi rako rechikwereti. Kana, tumira kune imwe nhoroondo yako yepaIndaneti kuti uwane nhamba yakakodzera yefoni yekodha yako kadhi rechikwereti.
Kubata Chinyorwa paAkaunti Yako
Iwe unogona kuona mhosva dzekunyengera nekuverenga kadhi yako yekadhi yemakwereti kana kuongorora basa rako rekuteerera paIndaneti .
Iwe unogona kubata zvinyorwa zvisina kubvumirwa nokukurumidza kana iwe uchitarisa kero yako yepaIndaneti nguva nenguva mumwedzi wose pane kungomirira kadhi yako yekadhi yemakadhi kuti uuye mame.
Kadhi kadi yako yekubhadhara chikwereti inogona kukupa rubatsiro rwekuona rusununguko rwekunyengera kuti ruzivise iwe zvekunyengedzera kwekero yako.
Kana ukangopinda, unogamuchira tsamba, email, kana foni inokukwazisa kuti uite kadhi rechikwereti kunze kwekugara kwako. Tsvaga, semuenzaniso, nguva nenguva ichakubvunza kuti uone basa risina kujairika paunenge uchinyora kuIndaneti yako. Taura nekwereti yako kadhi rechikwereti kuti uone kana basa rakafanana neizvi rinowanika kuActa yako.
Zero Mutemo Kusiyanisa
Zero mutoro unowanzoshanda kune vatengi vemakadhi emakadhi. Makadhi ezvokutengeserana, mamwe makadhi akabhadharwa, uye mamwe makadhi emakadhi angave asingakwanisi kuchengetedzwa kwekodzero. Kana uine imwe yemhando dzemakadhi, tora matanho ekuwedzera kuti uchengetedze kadhi rako nekadhi rako rive rakachengeteka.
Ita kuti uone kuverenga kwakanaka kwechibvumirano chako chekadhi rechikwereti kuti uone kana pane zvibvumirano zvinoshanda. Semuenzaniso, mutoro wekunyengedzera kweVisa USA unoshanda chete kumakadhi akabudiswa muUnited States. MasterCard inoda kuti iwe wakashandisa "kutarisira kwakanaka mukudzivirira kadhi yako kubva pakurasikirwa kana kuba."
Kuvharwa kwekwereti yemakadhi nemadhidhidhi ekubvisa zvakasiyana. Kadhi yemari yakabudiswa neVisa kana MasterCard inogona kuvharwa pasi pemitemo yavo yekutengesa zero yekunyengera, asi kana chete kutengeserana kuri kushandiswa pamaganzura avo. Paunopedzisa mutengi wako se "chikwereti," inogona kushandiswa pane imwe yeVisa kana MasterCard network, yakagadzirwa nekodhi pane kadhi yako yekutengesa.
Zvisinei, apo PIN inoshandiswa kupedzisa mutengesi, zvinowanzoitika kuti ichashandurwa pane imwe nzvimbo yehutano uye naizvozvo hairi pasi peVisa kana MasterCard's zero mutemo wemhosva.
Unyengeri Wako Mukana Wehutsika Pasi Pemutemo weDare
Nenzira imwecheteyo, mutoro wako wekupomerwa mhosva inoshandiswa kaviri. Pasi Pachokwadi Mukukwereta Mutemo, iwe unogona kungotarirwa zvinokwana madhora makumi mashanu emhosva dzenhema dzakagadzirwa pambavha yekodha. Iwe unogona kubhadhara chikwereti ichocho chikuru kana iwe ukashuma kadhi yako yakarasika kana iya kuba iya mushure mekupomerwa kwekunyengera kuri kuitwa. Kana chete nhamba yako yekadhi rechikwereti yakabiwa uye inoshandiswa kugadzira mhaka dzekunyengera kuri account yako, une zero mhaka.
Ne makadhi emadhora, iyo mvumo yeElect Funds Transfer Mitemo inokwana $ 50 kana iwe uchizivisa bhengi mukati memazuva maviri nekuwana unyengeri kuri account yako.
Zvisinei, kana iwe ukamirira kusvikira shure kwemazuva maviri, iwe unogona kuva wemhosva kusvika ku $ 500. Uye, kana zvichitora iwe mazuva anopfuura makumi matanhatu kuti upe utsi hwekadhi yako yebhadharo, iwe unogona kuva nemhosva yehuwandu hwemari.
Bhengi yako kana kuti kadhi rechikwereti (kureva Visa kana MasterCard) iyo inokonzera kadi yako yebhadharo inogona kuderedza chikwereti chako, asi zvinoenderana netsamba iyo kadi yako inoshandiswa, ingave PIN yakashandiswa pakutengesa, uye nguva yakawanda zvinokutora iwe kuti utaure zvinyorwa zvekubiridzira.