Basics of Returned Checks
Kudzokorora cheki kunotarisa kuti bhenekeri yemunyori wechenyo inoramba. Pane zvakawanda zvinokonzera zvinokonzerwa nekuongorora zvakare, kusanganisira:
- Hapana mari yakakwana munhoroondo ( haigoni mari ).
- Chibhadharo chekusimudza chakaiswa pachitoro.
- Cheketi yacho yakwegura zvikuru kuti isaremekedze.
- Cheki yacho yakanga isina kunyorwa kunyorwa.
Kudzokorora hunowanikwa kakawanda kudarika kare kare: Mabhanisi nemabhizimisi vanoongorora chekugadzira zvemagetsi, uye kunyange vatengi vanogona kuisa cheki nefoni dzavo . Izvo zvakashanda munguva yakapfuura (kunyora cheki apo akaunti yako iri pasi pemari) inogona kushanda zvakare.
Zvinowedzera kuoma kutenderera chekete uye tariro kuti mari ichasvika muakaunti yako isati yako cheko ichiiswa. Mazuva ano, kunyange kana iwe ukanyora cheki pamapepa, pane mukana wakaisvonaka wekuti cheki ichashandurwa kune chekugadzira magetsi pareji yekubvisa uye mari ichabuda kubva kweAcid yako nokukurumidza.
Zvaunogona Kuita Kana Wakagamuchira Zvakaipa Tarisa
Kana wakagamuchira chekeri yakadzoka sevatengesi, unganetseka kuti chii chaungaita pamusoro pevanhu vanonyora kuongorora zvakaipa .
- Ingobvunza: Kutanga, iwe unogona kuedza kuunganidza mari. Edza kuonana nemunyori wekuchechera uye kukumbira kuti vaite zvakanaka pamubhadharo - ingangodaro yakave chikanganiso chakatendeseka, uye vangave vane chinangwa chokukubhadhara. Ichi ndicho chimwe chikonzero zvakanaka kuti uone kuti checks nguva dzose inoratidza nhamba yefoni yemazuva ano.
- Rwendo rwokuenda kubazi: Unogonawo kushanyira bazi rebhangi rinotarisa (tarisa zita rebhangi pane zviso chekuongorora ) uye edza kuirima. Mari yaunoda (kana iripo) ichava pabhangi iyo (kwete yebhangi yako, iyo ichapa cheki zuva kana maviri mushure mekuisa iyo ipapo). Paunoshanyira bhanhi iwe pachako, unogonawo kudzivisa kubhadharwa chekubhadhara mari yekuisa cheki yakaipa pabhangi rako. Sezvaunoziva zvino, iwe ndiwe unowedzeswa (kuburikidza pasina mhosva yako pachako) apo chekiti chekutengesa inodzorerwa. Zvechokwadi, une zvinhu zviri nani zvekuita nenguva yako, asi izvi zvingava zvako zvakanakisisa sarudzo.
- Nguva yakanaka: Kana iwe uine ruzivo, iwe uchange uri mubhangi nguva pfupi mushure mokunge mutori wenhokwe aisa mari. Kutanga kana kuguma kwemwedzi kunogona kuva nguva yakanaka yekuedza nekuunganidza kana munhu wacho achibhadharwa nemari yakananga . Iwe unogona zvakare kuedza kuzvidzivirira iwe rwendo nekushevedza bhagheni nekukumbira kuongorora mari pane cheki . Zvisinei, mabhengi haasi nguva dzose achida kuongorora mari inokonzerwa nezvinetso zvevamwe.
- Nhanho dzinotevera: Kana munyori wekuchechedza asingaiti zvakanaka pane chekudzoka, iwe unogona kutora matanho ekuwedzera. Semuenzaniso, unogona kuisa mhosva kumunyori wekutarisa, uye iwe unogona kutumira account yavo kune rimwe boka rekuunganidza (kunyange zvazvo zvese izvi zvingangodhura zvakakosha zvekuongorora kukuru).
- Ziva mutemo: Hurumende imwe neimwe ine mitemo yakasiyana-siyana pamusoro pokuti ingatora sei chekeri dzakadzoka, chirango, uye dhora. Taura nebhangi yako kana kuti yeArekta yeDare reAtorney yako kuti uone mirayiridzo yekutarisana nechekupikorora kunoonekwa iwe ikozvino.
Kudzivirira Matambudziko
Iwe unogona sei kudzivisa kubata ne cheki yakadzoka ichienda mberi? Nzira chete yekutenderera ndeyekumisa kugamuchira cheki. Sezvo izvozvo zvichigona kukuisa kunze kwebhizimisi, chinhu chinotevera chakanaka ndechokuderedza mikana yekutora cheki rerubhu. Mamwe mazano ari pasi apa:
- Tsvaga basa rekuongorora chekuongorora rinogona kukubatsira kuona vashambadzi vane nhoroondo yekunyora zvakaipa checks (dzidza kuti Chengetedza Sei Kuongorora Kwebasa Rokushanda ).
- Bata bhandi yemunhu kuti aone mari asati agamuchira cheki uye achirega mutengi achienda nekutengesa.
- Chengetedza cheki kune chekuongorora zvemagetsi kana kuisa iyo pakarepo nefoni yako (kana zvichibvira).
- Bhadhara mari kune vatengi kuodza mwoyo bounced checks uye kukubhadharai kwenguva yenyu (ivai nechokwadi chokuti mari yacho inoratidzwa zvakanaka panguva yekutengesa uye inopindirana nemitemo yose).
- Kurudzira dzimwe nzira dzokubhadhara. Inogona kuva inodhura ( uye inokuvadza ) kugamuchira kadhi mari, asi kana ukauya mberi, zvakakosha.
Matambudziko Nokunyora Maitiro Akaipa
Kana iwe ukanyora macheke ayo ekupedzisira akadzoka, iwe uri kuzvigadzirira iwe pachako nokuda kwedambudziko . Zvishoma zvezvinetso zvaunosangana nazvo ndezvi:
- Iwe unopedzisa kubhadhara yakawanda mubhadharo (zvose kubhangi rako uye kune ani zvake wakanyora cheki kuenda).
- Bhengu yako inogona kuvhara akaunti yako, uye mamwe mabhange angakurega iwe semutengi.
- Iwe unogona kuzviwana iwe mumvura inopisa, sezvo kunyora zvakaipa kuongorora hakubvumirwi nemutemo.
- Chikwereti chako chinogona kuguma chichitambura , zvichiita kuti zvive nyore kwauri kukwereta mari (kana kuwana basa kana inshuwarisi) rimwe zuva.
- Iwe uchaguma mune databases inoshandiswa nebhangi uye vatengesi, zvichiita kuti zvive zvakaoma kuvhura maakare uye kunyora checks munguva yemberi.