Ndezvipi zviri nani?
Marikiti yemakadhi ine zvikwereti zvakasiyana pamakadhi emadhora - kunyanya kana iwe unetseka nezvekudzivirira kero yako yekuongorora - asi makadhi ekubhadhara ane nzvimbo yawo.
Usati wapikira kune rimwe rudzi rwekadhi (rausingafaniri kuita, sezvo unogona kushandisa makadhi akasiyana-siyana nokuda kwezvinangwa zvakasiyana), zvinobatsira kuziva zvinobudirira uye zvakanakira zvemarudzi ose.
Makomborero eDebit Cards
Hapana chikwereti: Kune vazhinji, kukwidza kwemakadhi emadhora ndeyokuti havazokubvumi kupinda muchikwereti. Iwe unobvumirwa kupedza izvo zviripo mukutarisa kwako kambani, uye ndizvo zvazviri. Kunze kwekuti iwe usayina kubhadhara pane zvekuchengetedza zvekare , kadhi yako inongomira kushanda kana iwe uchinge wapera mari, uye izvozvo zvinobatsira kana iwe uine nguva yakaoma kuraira kushandisa kwako. Kune mamiriro mashomanana apo iwe unogona kugona kugona nehuwandu hwekubhadhara mari mari , asi iyo mhaka haisi nyore. Iwe hauzozviwani wakadzika mukwereti, uye iwe haufaniri kukwikwidzana nemitengo yepamusoro yemitambo mwedzi woga woga.
Mariro yamunobhadhara: Makadhi ekubhadharira haasviki kushandisa. Kusiyana nemakadhi okukwereta, makadhi ekubhadhara mari haatengi mari yegore negore.
Zvimwe kutarisa mabhengi (izvo zvaunoda kuti uwane kadi yakakodzera yebhengi) kubhadhara mari yekuchengetedza kana iwe usingakodzeri kubhadhara, asi chekuongorora chekuita zvinenge zvichidikanwa - kadhi rechikwereti harisi. Kunyanya, iwe unogona kunge uchinge wawana wakasununguka kutarisa kune imwe nzvimbo . Kana uchida mari kubva kuATM, une mukanano wakanaka wekuzviwana usingabhadhari nebhadhiro yako yemari, asi kadhi rechikwereti inofambira mberi mari inonyanya kukosha.
Vanotengesa mari vanobhadhara: Makadhi emadhora anogonawo kutengeswa kwevatengesi. Vatengesi vanobhadhara mari yekuita mari yako, uye debit kadi kushambadzira mari inowanzoperera zvakanyanya kupfuura mari yekadhi yemarikiti (kunyange pane zvisizvo). Somugumisiro, vamwe vatengesi vanokuda iwe kuti usangane nezvidiki zvidhi zvekutenga paunoshandisa kadhi rechikwereti ($ 10 zvishoma, somuenzaniso). Iwe unogona kubatsira mabhizinesi ako aunofarira anoramba achiderera kana iwe uchibhadhara nekadhi yebhadharo.
Kunyoresa: Kadhi yako yekubhadhara inouya nekero yako yekuongorora, uye unoda chekuongorora , saka kuwedzera kadhi rechikwereti kune zvinongowedzera zviri kuwedzera kuvhara kwematambudziko ako. Ndiyo rimwe zita rezita uye password, imwe nhamba yemakadhi inogona kubiwa, uye kubhadhara kwakadzama iwe unoda kugara pamusoro pemwedzi mumwe nomumwe. Kadhi yako yekubhadhara ichashanda pose pose kadhi rechikwereti rinoshanda .
Hapana chikwereti chinodiwa: Makadhi ekubhadharira ari nyore kuwana kana iwe uine chakaipa (kana kwete) chikwereti. Kana iwe ukagona kuwana keri yekutarisa, unogona kuwana kadhi yebhadharo. Iwe unogona kushandisa kunyange kadi yebhadharo yebhadharo yebhadhiro kana kubhadhara kambani yebhangi haisi yekusarudza. Kunyangwe iwe usingadi pfungwa yechikwereti kana iwe haugoni kugamuchirwa pamakiti emakwereti, makadhi ekubhadhara anoita kuti iwe urege kubvisa makadhi emakadhi.
Zvose zvakati, makadhi emakadhi ane zvigaro zvavo.
Makomborero eMakadhi Makadhi
Dambudziko shoma: Paunoshandisa kadhi debit, mari inobva pakubvunza kwako kambani pakarepo. Nekadhi rechikwereti iwe (kana mbavha dzine nhamba yako yekadhi) shandisa mari yebhangi, uye iwe une nguva yenguva isati yatorwa. Izvozvo zvinokupa nguva yakawanda kuti uone zvikanganiso uye unopikisana navo - uchichengeta kuchengetedza kwako kukwana kwakanyatsonaka. Marikiti yemakadhi inopawo zviri nani kudzivirirwa pakurwisana (kunyange zvazvo makadhi akawanda ekubhadhara uye nokuzvidira "zero mhaka" yakafanana): Ne makadhi emakwereti, haugone kurasikirwa nemadhora makumi mashanu ekubiridzira, asi nebhadhidhi yemadhora, mutoro wako unogona kunge usingagoneki pasi federal law .
Kuwedzera kwekudzivirirwa: Kunyange zvazvo mazano emhosva ye zero akaita makadhi ekubhadhara anenge akachengeteka semakadhi emakwereti (kusazvidza nguva inotora kuti udzorere mari muakaunti yako yekuongorora), makadhi emakadhi anopa mamwe mazano.
Zviri nyore kukakavadzana mhosva kana pane dambudziko, uye mamwe makadhi emakadhi anopa zvivimbiso zvakapetwa pane zvinhu zvaunotenga uyewo zvishoma zvishoma yehupenyu inshuwarisi.
Kuvaka nekuchengetedza chikwereti: K kuverenga kadhi kadhi rechikwereti rakashama kunobatsira iwe kuvaka chitupa chakasimba -kana kuchengetedza chikwereti chako zvakanaka. Makadhi ekubhadharira, nokuda kwechikamu chikuru, haatambudzi chikwereti chako . Vamwe vanofa-vashandi vakanyanya kubhadhara makadhi vanoti havana hanya nezvekwereti chikoro nokuti havazombodi kukwereta, asi zviyero izvi zvinokosha. Iwe unogona kukwereta rimwe zuva (kutenga imba kana motokari, somuenzaniso), uye kutanga kubva pakutanga zvakaoma. Iwe haungabhadhara chikwereti chemari kana iwe uchibhadhara zviyero zvekadhi rako rechikwereti zvakakwana mwedzi mumwe nomumwe, uye mamwe makadhi haana mari yegore negore, saka hapana zvishoma zvokurasika.
Makomborero: Kana iwe uri mufananidzo unoda zvishoma, makadhi emakwereti anopa mibayiro yakanaka kune makadhi debit (kana izvozvo zvichireva kusvika kune zvikwereti, mari yakadzoka, kana nzvimbo dzekufamba).
Mhedziso mikuru: Makadhi ekubhadhara kakawanda anouya nemiganhu yakawanda kudarika mari yaunoramba uchitarisa . Somugumisiro, haufaniri kunetseka nekutema muganhu wako nekuda kwemvumo uye unobata. Iwe uchange uine matambudziko mashomanana uchishandisa kadhi yako yemotokari dzinotora, mahotera, gesi pamapombi, nekudya (apo chigadziro chisati chapiwa chichigadzirisa kuchengetedza mari kwemazuva anoverengeka, zvichida kana iwe usingabhadhari nekadhi).
Zvimwe zvikomborero: Zvichienderana nemamiriro ako (uye yako makadhi), pane zvimwe zvingabatsira kushandisa makadhi emakadhi. Semuenzaniso, kune mamwe masangano emotokari embairo, kadhi rechikwereti ndiyo chete nzira inobvumirwa yokubhadhara. Kune mamwe mazano mashomanana, ona 8 Chikwereti Chekwereti Chekutengesa Iwe Zvichida Waisaziva Waive .
Chii Chiri Nani?
Pakupedzisira iwe uchafanira kusarudza kuti chii chakakosha. Kana iwe uchida zvakanakisisa zvepasi rose, shandisa makadhi maviri:
Kadhi rechikwereti ndicho chakanakisisa chekutenga zvakawanda. Paunotenga paIndaneti kana mu-munhu, kadhi rechikwereti rinokudzivirira nenzira dzakasiyana-siyana iyo kadi yebhadhiro isingagoni (kusanganisira kubata maakaunti yako chekuongorora, zvivimbiso zvinowedzera, nezvimwe). Chinokosha kukubhadhara chikero chekadhi zvachose mwedzi wega wega kuti urege kupomerwa mari.
Kadhi yebhadharo inonyanya kukosha kubhadhara mari uye kubhadhara chikwereti . Nokuda kwemari inobviswa paATM, kadhi yako yebhadharo ndiyo yakanakisisa sarudzo. Iwe uchachengetedza mari pamusana, uye ruzivo rako rekadhi harukwanisi kubiwa kana iwe wakanamatira kune ATM yakachengeteka . Kana kadhi rechikwereti richikuedza iwe kutora chikwereti chechikwereti, tambira nekadhi rebitengo. Asi pakupedzisira, iwe unoda kutora mari yako (rudzi rwekadhi raunoshandisa harukwanisi kuzviitira iwe). Kana iwe usingakwanisi kuita izvozvo, uchawana nzira dzekubiridzira nekushandisa zvakawanda pane zvaunofanira kuita zvisinei nokuti chii chiri muchikwama chako.
MaPadhi Okubhadhara Kwepabhadhiro
Kana iwe usingakwanisi kusarudza, makadhi ekubhadharwa kubhadharo anopa zvimwe zvezvikwereti zvose zvemakadhi emakadhi uye makadhi emadhora.
Kungofanana nemakadhi emakadhi , vanochengetedza nheyo yako yekutanga kubva pakuonekwa kune nyika. Kana pane kukanganisa kana mumwe munhu achiba nhamba yako yekadhi, mari chete inowanika mari yawakachengetedza pamakadhi. Zvisinei, hauzokwanisi kupedza mari iyo (iwe waungada), uye kuwana mari yakatsiviwa kunogona kunge iri nguva shoma uye yakaoma.
Kungofanana nemakadhi emadhora, makadhi ekubhadharwa anokudzivirira kuti urege kupinda mune chikwereti. Iwe unogona kungopedza mari yawakachengetedza pane kadhi. Kana imwechete iyo mari ishandiswa kumusoro, kadhi rinomira kushanda.