Mvumo isina kubhadhara kadhi rechikwereti inogona kuve marwadzo, asi unotenda haufaniri kubhadhara nekuda kwezvikwereti iwe kana ukawana uye uchitaura navo pakarepo paunozviona. Kuti uone zvikwereti zvisiri pamutemo, iwe unofanirwa kubhadhara zvakanyanya kushandiswa kwega kwega pamashoko ako kadhi chekwereti pasinei nokuti yakakura sei kana duku. Iwe unobata mvumo dzisina kuvimbiswa nokukurumidza kuburikidza nekuongorora kwako kutengesa paIndaneti mumwedzi wose pane kungomirira chirevo chako chekubhadhara kuti chiuye mumusana.
Tsvaga Chekutenderwa Chechikwereti Chakwereta Chekare Kare
Mvumo yekutengesa kadhi yemakwereti isina mvumo inosanganisira chero rudzi rwemhosva kune kadhi yako yekadhi yemakadhi yausina kupa mvumo. Kakawanda, mvumo isina mvumo inokonzerwa nekubavha kwekadhi rechikwereti - zvichibva kune imwe yekodhi kadhi rechikwereti kana nhamba yekadhi yemakadhi. Dzimwe nguva, mvumo isina mvumo inokonzerwa nemabhuku echifundisi kana makombiyuta glitch. Chero nzira, ibasa rako kuwana uye kurondedzera zvikwereti izvi nokukurumidza sezvinobvira kuti kuderedze mutoro wako . Usati waita mhaka, ita nechokwadi kuti mabheja haana kuitwa neanowiridza akaunti yekambani kana kuti munhu ane kodzero yakagadzirika paakaunti yako.
Vakawanda vasina mvumo yekubhadhara kadhi rechikwereti vanoenda vasingazivikanwi kwemwedzi inoverengeka nokuti vadhigiri vemakadhi havanyatsoongorora zvikwereti zvekadhi rechikwereti. Kuonekwa kwokutanga kunokosha kana zvasvika pakugadzirisa mvumo dzisina kukodzera dzekadhi rechikwereti. Iwe unogona kuva nemhosva yezvimhosva kana nguva yakawandisa ichipfuura kubva panguva iyo kubhadharwa kwaitwa panguva yaunenge uchitaura.
Kunyanya, iyo Fair Fair Billing Act inotaura kuti unofanirwa kuudza zvikwereti zvisina kubvumirwa nezvimwe zvikanganiso zvekubhadhara kadhi rechikwereti kune wako kadhi rechikwereti mukati memazuva makumi matanhatu kubva musi wekutaura kwatakaita kukanganisa.
Somuenzaniso, kana mvumo isina kubvumirwa yakaitwa musi waFebruary 15 uye chirevo chako chakatumirwa musi waMarch 1, iwe unosvika panaEpril 30 kupikisana nemhosva yekunyora.
Chikwereti chekwereti chikwereti hachibvumirwe zviri pamutemo kutarisana nharo yako zvakanaka kana iwe ukashuma pashure pemazuva makumi matanhatu.
Taura zvose zvisiri pamutemo mhosva, zvisinei nokuti mari yacho. Mune rumwe rudzi rwekadhi kadhi rakakonzerwa , mbavha dzinokwereta mari shoma kuakaunti yako, sekuda $ 1, uye zvino kutevera nemutengo mukuru. Mhosva shoma inowanzova muongorori chete kuti uone kana iyo nhoroondo iri kushanda uye kuti mari huru ichapfuura.
Kupa Mvumo yeCheji yeCredit isina kubvumirwa
Paunotarisa chikwereti chisina mvumo chekwereti pakero yako, shandisa foni kumukwereti wako wekwereti uchishandisa nhamba iri kumashure kwekadhi rako rechikwereti. Kana iwe usina kadhi rako rechikwereti uye iwe usina kuchengeta nhamba ye nhamba yefoni, shandisa chirevo chekubhadhara chachangobva kuitika kana webhusaiti yemugovera wekutsvaga kuwana nhamba yakarurama.
Usambopa ruzivo kune mumwe munhu anodana kana kuti maimeri iwe unoti ndewe kadhi yako yekwereti, pasinei nokuti yakajeka sei. Izvi zvinowanzova phishing scam iyo mbavha dzinoshandisa kuwana ruzivo rwehupfumi hwako kana wekodhi. Kakawanda kacho kunowanikwa kuwana kadhi yekuteteerera mairi matatu kana zip code yako. Nguva dzose tanga uchitarisana nekadhi kadhi rechikwereti uchishandisa nhamba yefoni inotendwa, sewe kubva pakadhi yako yekwereti, mutemo wekutengesa, kana kuti webhutori rekupa chikwereti chekwereti.
(Ona Cherechedza Credit Card Phone Scams .)
Kana uchinge uine nhamba yakakodzera yekadhi rako rechikwereti, shanyira kuti ubike zvikwereti zvisingabvumirwi kadhi rechikwereti. Vachazosiya chikamu chekadhi rechikwereti chakanganisa uye vadzorerazve kechikwereti kechikwereti nhamba itsva yenyaya.
Kuti uwedzere kuvimbisa kuti kodzero dzako dzakachengetedzwa, unofanira kufambidzana netsamba yenharo inotsanangura mari dzisina kubvumirwa nemakadhi ekwereti. Dzokorora foni yako uye unosanganisira zita remumiririri wevashandi vamakambotaura navo.
Vamwe vekadhi rechikwereti vanoda kuti iwe kutanga uedze kugadzirisa mutemo usingabvumirwi nemutengesi. Iwe unogona kunyanya kuzivisa mutengesi kuburikidza nekuongorora chikwereti chekadhi rechikwereti. Zvisinei, mbavha dzimwe nguva dzinokanganisa ruzivo rwemabhizimisi zvichiita kuti zvionekwe sekunge zvikwereti zvakaitwa nemumwe mutengesi kana ivo vasiri ivo (iyi yave iri nyaya inoramba iripo nezvimwe zvikwereti zvisina kutenderwa zveTunes ).
Muchiitiko ichi, iwe uchafanirwa kugadzirisa kuburikidza nekwereti yako kadhi rechikwereti panzvimbo pane mutengesi.
Chengetedza Kodzero Dzako
Nechemitemo, unogona kuva nemhosva ye $ 50 yezvibvumirano zvisina kubvumirwa zvaunotanga usati wati hauna kukwereta kadhi rechikwereti, asi vazhinji vane kadhi rechikwereti vane hurongwa hwekushaya rusununguko rwekunyengedza huri kubvisa mutoro wako wekupomerwa mhosva. Mukuwedzera, Fair Fair Billing Act inotaura kuti hauzombovi nemhosva yemhosva dzisina kubvumirwa apo kadikiti yako yakanga iri yako. Mune mamwe mazwi, kana mvumo dzisina kubvumirwa dzikaitwa nemari yako yekodha yemari yekwereti panzvimbo yekadhi rako rechikwereti, haungatongwi kubhadhara chero iwe uchiri nemuviri wekadhi rako rechikwereti.
Kana ukangopokana nemhosva isingabvumirwi, kadhi rechikwereti rinowanzobvisa kubva kubhuku rako. Panguva ino, iwe hauna mhosva yekubhadhara chikamu chinopikisana chikamu chako. Kadhi kadikoni haagoni kukwereta chero mari kana chikwereti pane mari iyo isina kubhadhara kunze kwekunge yakagadzirirwa gare gare kuti iwe wakabvumira kubhadhara.
Kutaura muchidimbu: nyorera zvisiri izvo zvimhosva mushure mekunge iwe uchizviona kune mutengesi kana wako mubhadharo kadikiti. Zvadaro, tevera mhaka inopikisana netsamba kumakadhi ako ekadhi rechikwereti kuti uone kuti kodzero dzako dzakachengetedzwa zvizere. Tora matanho ekudzivirira kadhi rako rechikwereti chekwereti kuti udzivirire mhaka dzisina mvumo dzisina nguva.