Chengeta NePlasitiki: Debit vs. ATM Cards
Paunenge uzarura kero yekutarisa, iwe kazhinji unowana kadhi rebhadharo risina kubhadhara mari yako. Iko makadhi anoshandisa mari yekusiya mari, kubhadhara mibvunzo, uye kuisa maATM akawanda. Uye makadhi akawanda, anozivikanwa se debit kadi kana cheki makadhi , anogonawo kushandiswa kutenga-zvose paIndaneti uye mumunhu.
Kana uine kadhi kadi uye uri kushamisika kuti chii chaunogona kuita nayo, tsvaga kana iri kadhi chete yeATM kana kana iri kadhi yakakwana yekushanda.
Tsvaga chirairo: Kuti uone kana kadhi yako inoshanda nokuda kwekutenga, tsvaga mari yekubhadhara pakadhi. Pamakadhi akawanda, Visa kana MasterCard logo inowanikwa pakona yezasi-yakarurama yekadhi. Tsvaga uye American Express makadhi angaratidza chikwangwani kune imwe nzvimbo pane kadhi. Kana pasina chine chikwangwani, une kadhi yeATM iyo yakakosha yekushandisa paATM.
Nzira Yokushandisa Kadhi Yako
Kana kadhi yako ine mari yekubhadhara network logo, inonyanya kubhadhara kadhi, uye iwe unogona kuishandisa sokunge yaiva kadhi rechikwereti.
Kune mumwe mutengesi , shandura kadhi (kana kuisa chip, kana iri kadhi yakagadzirirwa chip ) panzvimbo yekubhadhara. Iwe unogona kusarudza "Chikwereti" kana "Debit" -mari ichabuda kubva pakero yako yekuongorora pasinei nezvaunosarudza.
Paunenge uchitenga paIndaneti , shandisa nhamba yemakadhi gumi nematanhatu apo mutengesi akumbira nhamba yekadhi rechikwereti . Iwe uchazofanirawo kupa ikhodi yako yekupa bhadha uye ikhodi yekuchengetedza pamusana pekadhi rako.
Pamusoro pokubhadhara zvikwereti paIndaneti , une zvimwe zvingasarudzwa zvekubhadhara mari kubva pakero yako yekuongorora:
- Pinda nhamba yako yekadhi pamwe nemupengi sezvinonzi uri kutenga paIndaneti.
- Shandisa bhadha yako yepaIndaneti purogiramu yekubhadhara , uye bhagheni rako rinotumira mari zvemagetsi kana kutumira uye kutumira cheki.
- Ipai nhaurirano yenyu yekuongorora chekuita kune biller, ndiani achakwevera mari kubva kubhangi rako kana kubhadhara kuripo.
Makadhi ekubhadharana nemakadhi ekwereti : Makadhi ekubhadhara anogona kushandiswa chero kupi zvako panzvimbo yekadhi rechikwereti-kunze kwega kungangodaro yemotokari dzinotora uye nzvimbo dzehotera. Mune mamiriro ezvinhu aya, chikamu chemutemo wako wekupedzisira hachizivikanwe, saka mabhizimusi angada kuti iwe ushandise kadhi rechikwereti. Pachinhu chiduku, vangave vaisa mvumo yakakura yekubvumirwa paakaunti yako, iyo inogona kusungira mari mukutarisa kwako.
Debit Cards vs. ATM Cards
Makadhi akawanda anobudiswa neakaongororwa mabheti mazuva ano ari makadhi ekushanda-kubhadhara. Zvisinei, hazvisati zvanzwisisika kuti uve nekadhi yeATM iyo isingashandisi sekhadhi rebhengi. Kunyanya, kana bhangi yako yebhangi ibasa rekuchengetedza -asi rinopesana nekeri yekuongorora-ipapo kadhi yako inogona kunge yakakosha kushandiswa kweATM. Iwe unofanirwa kunge uchikwanisa kuita zvinotevera paATM:
- Bvisa mari
- Ita kuti uchengetedze maATM anokwanisa kubhadhara
- Tsvaga kuti mari yakawanda sei muakaunti yako (inozivikanwa seyeri ibvunzo)
- Shandura mari pakati peakaunti
Makadhi ekuchengetera mareji: Mutemo weBurumende unoderedza kuti unowanzobvisa sei mari kubva kubhuku rekuchengetedza, asi kubviswa kweATM hakurevi kupera kwako. Kana iwe waizotenga nekadhi rako (kana uzadza mamwe maitiro ekuregererwa kwekutengesa), iwe unenge uchingopedzisira kune zvitanhatu kubva pakugadzirisa pamwedzi .
Kuti udzivise matambudziko, mabanki mazhinji haangotori makadhi ekubhadhara mari dzekodha. Iwe unowana kadhi yeATM pane.
Mhando yemakadhi
Zvinogona kuva zvinobatsira kuenzanisa nekusiyanisa marudzi akawanda emakadhi mune imwe nzvimbo. Kuita izvi kunogona kukubatsira kuti unzwisise zvauri kuita iye zvino, uye uwanewo zvaungada kuva nazvo pane.
Makadhi eATM ndiwo rudzi rwakakosha rwekadhi. Zvakare, zvinogona kuwanzoshandiswa chete paATM kuitira mabhizimisi ekutanga.
Makadhi ekubhadharira , anozivikanwawo sekadhi kadi, anokubvumira kuti upedze kubva pakero yako yekuongorora chero makadhi anogamuchirwa. Vanoitawo zvose izvo makadhi eATM anoita. Pasinei nokuti iwe unoshandisa kadhi kuti ubvise mari kana kutenga, mari yacho inouya kubva pakero yako yekuongorora (kazhinji mukati memazuva mashomanana).
Marikiti yemakadhi inokubvumira kubhadhara kubva kuchikwereti chako chemakadhi.
Mari dzinosvika pasina zvakananga kunze kwekuongorora kero yako. Pane kudaro, unovaka chikwereti chemari yako yaunobhadhara pane imwe nguva inotevera. Zvakanakisisa kubhadhara mari yakazara mwedzi mumwe nomumwe kuitira kuti usabhadhara chikwereti, asi iwe unogona kubhadhara zvishoma kana uchida-kungoziva nezvemigumisiro . Makadhi ekukweretesa akachengeteka kudarika makadhi ekubhadharwa kwezuva nezuva nekuti:
- Marikiti yemakadhi haibvumi zvakananga kubva pakero yako yekuongorora. Kana mumwe munhu achiba kadhi yako yekubhadhara kana nhamba yako yekadhi, mbavha dzinogona kubvisa kero yako yekuongorora kakawanda pakarepo. Kana izvozvo zvichiitika, iwe ungave wakaoma nguva yekubhadhara zvikwereti sekukwereta uye zvishandiso.
- Makadhi ekubhadhara anopa kukudzivirira kwevatengi kukurwisana neusimba, kuvhara kurasikirwa kwako kusvika $ 50 pasi pezvematongerwo enyika. Makadhi ekubhadhara anoitawo kudzivirirwa pakurwisana uye kukanganisa, asi iwe unofanirwa kuita nekukurumidza, uye mutemo wezvematongerwo enyika hausi wekupa (kwauri) nemadhidhi ekubvisa .
Kukanganisa kwekwereti yemakadhi ndeyokuti iwe unogona kukurumidza kupinda muchikwereti, uye chido chekuda mari inowanzokwirira. Kuti uwane mamwe mashoko, dzidza pamusoro pezvakawanda uye zvakakwana zvekushandisa nemari uye makadhi emakadhi.
Makadhi ekubhadharwa kubhadharo akafanirwa akafanana nekodhi yemadhidhikiti, asi haabvoni kubva kuongororo yekuongorora. Pane kudaro, iwe "mutoro" mari muakaunti yako nekadhi rakabudisa nekugadzirisa zvakanakira mari , kuwedzera mari nekutengesa magetsi kana mu-person deposit, kana kushandisa shanje chekuchengetedza . Zvadaro, iwe unopedza kubva pakadhi kusvikira wapedza kushandisa mari yawakatakudza. Iwe unogonawo kubvisa mari paATM uye kubhadhara zvikwereti paIndaneti nemakadhi akawanda akabhadhara. Iwe hausi kukwereta chikwereti nemakadhi akabhadharwa, uye ivo vanowanzova nyore kuwanika, vachiita kuti vakweke kana iwe wakanetseka kuzarura kambani yebhangi .
Iko kukonzera kukuru kumadhikiti ekubhadharwa kubhadharwa kubhadharwa ndeyekuti inogona kuve yakadhura, uye haisi seinobatsira senhoroondo yebhangi yakazara-inoshanda. Kana uri kutarisira (kana kumanikidzirwa) kurarama hupenyu pasina bhadha yebhangi , makadhi akabhadharwa anogona kuva chinhu chakasimba. Zvisinei, iwe unogona kupedzisira wava kuponesa nguva nemari kana ukawana keri yekuongorora. Bata mabhandi emunharaunda uye zvikwereti zvemakwereti nemikana yakaisvonaka yekutarisa kusununguka.