Debit uye makadhi echikwereti zvivako zvine simba zvekushandisa. Vane zvose zvaunoda kushandisa mari kune dzimwe nyika, muguta rako rokumusha, uye paIndaneti. Asi zviduku zviya zvepurasitiki zvinoshanda sei?
01 Pamberi peDhidhi / Kadhi Kadhi
Ziva ruzivo rwezvinhu zvekadhi rako kuitira kuti iwe ugone kuishandisa zvakajeka.
1. Kuisa mabanki: Chikamu ichi chinoratidza kadhi yako. Makadhi anonyanya kuratidza zita rako rechikwereti, asi anogona kuratidza chikwangwani cheimwe purogiramu pane. Semuenzaniso, mamwe makadhi anotsanangurwa nemipurogiramu yezvipo kana mazita mazvitengesi.
2. Nhamba yekadhi : Nhamba yekadhi ndeimwe yezvikamu zvakakosha zvekadhi. Ndiyo nhamba dzine nhamba gumi nematanhatu dzakabatana neakaunti yako nekadhi rakabudisa, uye iyo ndiyo madijitori aunoda kupa kana uchitenga zvinyorwa paIndaneti kana nefoni. Kana ukashandisa American Express, nhamba yemakadhi inongodhi gumi chete.
Chengetedza nhamba yako yekadhi. Ngwarira paunonyora pasi, uye sarudza kuti ndiani iwe unopa nhamba ku-kana iwe unyoresa nhamba kana kupa kadi yako kune mumwe munhu kunyange kwekanguva. Apo nhamba dzekadhi dzinobirwa nembavha, dzinogona kushandiswa kutenga zvigadzirwa munhoroondo yako. Iwe unogona kunge usingafaniri kubhadhara kune iyo inotenga, asi kuchenesa utsi kunogona kusakanganisika .
Kuti utengese paIndaneti, unoda zvakawanda kupfuura kungori kadhi. Iwe uchadawo zuva rekutswa kwekadhi uye kachengeteka, uyewo zip code pafaira nekhadhi yako. Iko kuchengetedzwa kwekodhi kunowanzoita nhamba nhatu nhamba kumucheto kwekadhi, asi izvi zvinopesana nemudzidzi-kuverenga pamusoro pekuchengetedzwa kwekodhi chikamu pasi apa kuti uwane mamwe mashoko. Zvose zvirongwa zvinokumbirawo zita remunhu wemakadhi.
Kana uri kushandisa kadhi yebhadhiro iyo yakabatanidzwa nekeri yako yekuongorora , nhamba yako yekadhi yakasiyana neyokutarisa nhamba yenyaya yako. Izvi zvinogona kuvhiringidza nokuti mapepa chekuongorora anoratidza nhamba yako yekutarisa nhamba uye mari inobva kunze kwekutarisa- asi nhamba yako kadhi yakasiyana.
3. Zita romunhu weKadhi: Uyu ndiye munhu ane kodzero yekushandisa kadhi. Munhu iyeye haana kunge akazarura kambani-vangangodaro vane mvumo yekushandisa kubva kubhuku se "mushumiri ane kodzero". Vashandi vekadhi chete vane kodzero vanogona kutenga kutenga nebhadhiro kana kadhi rechikwereti, uye vatengesi vanokurudzirwa kukumbira ID pane kubvuma kubhadhara nekadhi.
4. Zvigadzirwa zvemuchenjeri: Zvishandisi zviduku zviduku zvinoita kuti makadhi ave akachengeteka kupfuura makadhi emagetsi-mavara-makamba chete. Vanoita kuti zvive zvakaoma kumbavha kushandisa mari dzabiro dzekadhi rechikwereti. Kunyange zvazvo yakajairika (uye dzimwe nguva kudikanwa) kune dzimwe nyika, mabhanga muUnited States ave anonoka kutora makadhi akachenjera. Mushure megore ra2015, mabhangi nevatengesi vane zvakawanda zvinokurudzira kuwedzera izvi zvakachengetedzwa. Avo avo vasati vava kugamuchira chip technology vanogona kutarisana nenjodzi yakawanda yekunyengedza ne magnetic stripe transactions.
Kana kadhi yako ine chip, shandisa iyo chero nguva zvichibvira nekuisa kadhi yako panzvimbo yekudzingura. Iyo chip inowedzera imwe chete-kashandisi yekodhi kumitambo yega yega, iyo inobvisa doro rakabiwa zvishoma zvishoma. Kudzivirira ufeve kunogona kuchengetedza mari kune wese, uye zvinoreva kuti iwe hausati wambofanira kutora makadhi uye kuvandudza nhamba dzekadhi kana ruzivo rwako ruchibirwa. Verenga zvakawanda pamusoro pekuti makadhi anobatsira sei .
5. Zuva rokupera: Nguva nenguva, unofanira kutora chikadhi chako. Kutama kune makadhi makadhi ndeimwe chikonzero mabanki anotora makadhi matsva. Zuva rako rokupera rakakosha nokuti rinodiwa kuti uzvitenge iwe unenge uri paIndaneti kana pamusoro pefoni-iwe uchada kupa nguva yakakodzera yekupera kwebhadharo yako kuti igamuchirwe. Mabhandi anowanzobudisa makadhi matsva nguva pfupi kare kare makadhi ekare apera.
6. Mari yekubhadhara network logo: Zvakakosha kuziva rudzi rwekadhi raunayo. Mienzaniso yakajairika inosanganisira MasterCard, Visa, uye Discover. Kana uchitenga kutenga paIndaneti, kazhinji pane mhando inodonhedzera inokuda kuti usarudze hupi kateyuta kadi yako ndeyayo. Aya majekiti anobatsirawo apo unoronga kushandisa kadhi yako kubhadhara zvinhu kana ma-vatengesi-mazhinji vanowanzoisa zvidhi kana mapurciti anokuudza makadhi anogamuchira (unogona kungobvunza nezve makadhi akawandawo).
02 Kubva pane Debit / Credit Card
Pane zvakawanda zvekubhadhara pane kuverenga nhamba yekadhi. Mushure mokubvisa kana kadhi rechikwereti kunosanganisira zvimwe zvinhu zvinokosha.
1. Mutsara wemagetsi: Uyu ruvara rune ruzivo rine ruzivo pamusoro pako nekadhi rako, iro rinogona kuverengwa nemichina yakadzikanwa inozivikanwa sevaverengi vemakadhi. Nguva dzose paunoshandisa kadhi yako kune mutengesi, iwe uri kushandisa ruvara rwemagnetic kuburikidza nemudzidzi wekadhi kuitira kuti kadhi yako inogona kukwaniswa. Makumbo emagetsi anosanganisira zita rako, nhamba yekadhi, zuva rokupera, uye mamwe mashoko. Kana ruzivo urwu rwabiwa-kana vaseki vachibira data kana mutengesi asina kutendeseka anoshandisa kadhi yako kuburikidza nechikwereti chekadhi skimming ) -chigona kushandiswa kugadzira kadhi rakaipa rine magnetic stripe yakafanana nekadhi rako.
Makukutu emagetsi anowanzopera pasi, kunyanya kana uri muchengeti wekadhi. Zvinogona kukuvara kana dzichiswededza pedyo nemasimba magetsi. Kana ruvara rwako ruchirega kushanda, vatengesi vangave vachida kurova mufoni yako nhamba neruoko, izvo vangave vachizeza kuita nekuda kwezvikonzero zvakasiyana, asi iwe unogona kuraira kushandiswa makadhi nemutsara mutsva.
2. Hologram: Mamwe makadhi anoratidza hologram, kana girazi-seguta rinoratidza mamiriro matatu-dimensional inoita sokufamba sezvaunoshandura maonero ako ekuona. Holograms zvinhu zvakachengeteka zvinobatsira vatengesi kuziva kuti makadhi-holograms anoshanda zvakajeka hazvisi nyore kuisa fake. Dzimwe nguva holograms inowanikwa pamberi pekadhi rako.
3. Mazano ekukurukurirana kweBhanki: Kana uchida kupinda nebhangi yako, shandisa mashoko ekukurukura ari kumashure kwekadhi rako. Izvi hazvisi nyore chete-zvakare inzira yakanakisisa yekudzivirira unyengeri. Paunoshandisa ruzivo rwekufambisa pane kadhi rako, unoziva kuti uri kunyatsotaura nemunhu kubva kubhangi rako. Izvi zvinonyanya kukosha kana iwe ukatambira foni kana kuti email iyo inogona kunge iri kubva kubhangi rako, asi inogonawo kubva kumudhiriri. Panzvimbo pokudzoka kudana kwavo kana email vachishandisa ruzivo rwekukurukurirana rwavanopa, danai nhamba iri kumashure kwekadhi rako kuitira kuti hapana mubvunzo kuti uri kudana nhamba yakarurama.
Ndiyo pfungwa yakanaka kuchengetedza kadhi rako rekubudisa kwekadhi rakachengetedzwa zvakasiyana kubva pakadhi rako. Kana iwe ukarasikirwa nekadhi rako, iwe unoda kuonana nebhangi yako nekukurumidza . Nyora nhamba pasi munzvimbo yakachengeteka, kana kuti uichengetedze paunhare rwefoni yako.
4. Chimiro chepaneni: Kadhi yako inofanira kusayinwa usati washandisa, saka shandisa zita rako munzvimbo ino. Hazvisi nyore kukodzera chikwangwani mubhokisi iro duku, asi ita zvose zvaunogona. Zvinyorwa zvidikanwa zvekadhi rinobudisa, uye vatengesi vanofanirawo kuvimbisa kuti iwe wakasaina kadhi. Vamwe vanhu vanyorera "ONAI ID" munharaunda ino vachitarisira kuti vatengesi vachatsvaka kuzivikanwa kubva kune ani zvake anoedza kushandisa kadhi. Nenzira, iyo inowanzopikisana nemitemo yemakadhi ako, uye vatengesi havasi kuona nguva dzose kana kukudza chikumbiro ichocho.
5. Kodzero dzekuchengeteka: Makadhi anodhindwa nemamwe mazano ekubatsira kuti munhu wese achishandisa kadhi yekadhi ane kadhi yakarurama, yepakutanga. Kubhadhara paIndaneti kana nefoni, vatengesi vanoda zvimwe kupfuura nhamba yekadhi uye zuva rekupera kubva pamberi pekadhi rako. Iko kuchengetedzwa kwekodhi kumusana kunogadzira chimwe chinhu chakakonzerwa nevashambadzi vangave vakabiwa nhamba yako yekadhi kubva kumabhizimisi emabhizimisi kana nekubatsira kwekudzidzira.
Nhamba dzekuchengetedza dzinogona kutumidzwa seCVV, CVV2, CVC, CSC, CID, kana mamwe mazita akafanana. Mazhinji webhusaiti anongokumbira "kodeti yekuchengetedza" uye kupa bhokisi duku kuti iwe urenge iyo code. PaVisa, MasterCard, uye Discover makadhi, kodeti iyi nhamba nhatu nhamba seri kwekadhi rako. Nhamba ina dzakatangira ("3456" mumufananidzo uri pamusoro) ndiwo mazita mana ekupedzisira ehamba nhamba yako yekadhi. Pamakadhi eAmerican, kuchengetedzwa kwekodhi iyi ine nhamba ine nhamba ina pamberi pekadhi. Tarisa pamusoro pe nhamba yako yekadhi kune rumwe rutivi rwekadhi.
Chekuchengetedza kwako kadhi, kufanana nemamwe nhamba nhamba pa kadi yako, iri chikamu chakakosha chemashoko. Usaparadzanisa nhamba iyoyo kunze kwekunge zvakakosha kuti uite chikwereti kumunhu waunovimba naye.
6. Network logos: Kadhi yako inogona kuva nemamwe mapepa emagetsi kumashure, kazhinji kona yezasi. Aya ma logos anobatsira kuti uone ma ATM maungashandisa pasina . Iwe unogona, chokwadi, shandisa mamwe ma ATM, asi iwe unogona kunge uchibhadhara mari kumushandi weATM. Uyezve, unogona kubhadhara mari yakawanda kubhengi yako kana kadhi rechikwereti kana ukashandisa kunze-kwe-network ATMs.
03 Ungaitei NeKadhi Yako?
Iva nemari: Unogona kuwana mari kubva pamadhikiti ekubvisa uye makadhi emakwereti, asi zvakanakisisa kushandisa kadi yebhengi yemari yekubvisa mari. Kadhi-kadhi yemari inofambira mberi inodhura, uye iwe uchabhadhara chikwereti pamatunhu akakwirira. Kana uchida zvinopfuura bhagheni rako kana kuti ATM inokubvumira kubvisa, edza kushanyira bazi kuti uwane zvinopfuura muganhu .
Tenga paIndaneti: Pane nzira dzakawanda dzokubhadhara kutenga zvekuInternet. Paunenge uchitenga paIndaneti, zvichida yakachengeteka kushandisa kadhi rechikwereti panzvimbo yekadhi yebhadharo . Marikiti yemakadhi inopa kukuchengetedza kwevatengi zviri nani Zvimwe zvinonyanya kukosha, vanoisa pfungwa yako kuongororwa nenyaya kubva pamatambudziko. Ingobhadhara kadhi rako rechikwereti mwedzi kuitira kuti usabhadhara zvikwereti .
Tumira mari kune shamwari nemhuri: Kana uchida kubhadhara chikamu chako cherenda kana kudya kwemanheru, kana kana iwe uchida kubatsira, unogona kutumira mari kubva pakadhi rako. Zviverengera mapurogiramu nemasebhisi zvinokubvumira iwe kubhadhara mari nebhadhiro uye makadhi emakadhi. Square Cash inozivikanwa nokuti yakasununguka kutumira uye kugamuchira mari uchishandisa yako debit kadi.
Bhadhara zvikwereti: Kubhadhara nokukurumidza-kana iwe kungofanana nekubhadhara mari yako yose kubva kune imwe kana maviri makadhi-makadhi anoshanda. Iwe unogona kubhadhara ne mail, paIndaneti, kana nefoni . Zvakare, makadhi emakwereti anogona kukubatsira kuti urege kudzivirira kana kune dambudziko semubairo wekubhadhara kwako.