Zvaunofanira Kuita Paunotarisa Zvikwereti Usafanana

Tarisa Zvikamu Usafanana

Paunonyora cheki , unofanirwa kujekesa mari yacho uchishandisa nhamba (mubhokisi riri kurudyi) pamwe nemashoko (pamutsara unoti "Chengeta"). Iyi tsika inobatsira kudzivisa kupesana; kana zvakaoma kuverenga chikamu chimwe chete, iwe unogona kugara uchitarisa uchishandisa imwe chikamu. Dzimwe nguva zviyero zvakanyorwa pachitsotsi hazvienderani. Semuenzaniso, cheki inogona kuratidza kukosha kwenhamba ye "$ 100," asi inoti inofanira kubhadharwa ne "madhora gumi." Chii chinoitika kana nhamba idzi dzisina kufanana?

Mashoko pamusoro peNhamba

Kana chikwere checheki chisina kunyatsojeka, mazwi akanyorwa anonzi inenge yakakwana. Numeri yakanyorwa nemashoko yakajeka; iwe uchiri kuziva kuti cheko ndechei, kunyange iwe usingakwanise kuita hafu yee tsamba. Kune rumwe rutivi, nhamba dzenhamba dzinenge dzisingabatsiri kana dzakaoma kuverenga. Chikamu 3.114 cheUniform Commercial Code (UCC), sarudzo yemitemo yebhizimisi, inotsanangurira kuti sei kuvhiringidzika kunofanira kutarisirwa:

"Kana chiridzwa chine mitemo inopesana, mazwi okudhinda anowanika pamashoko akanyorwa, zvinyorwa zvinyorwa zvinokunda zvose zviri zviviri, uye mazwi anokunda nhamba."

Chaizvoizvo, bhokisi raunonyora nhamba dzezviverengero inotumidzwa se "bhokisi rakanaka," asi mutsara waunonyora mazwi pamusoro unonzi "mutemo wepamutemo."

Zvinonyatsoitika

Mashoko akanyorwa anofanirwa kurira nhamba dzezviverengero, asi hazviiti nguva dzose nenzira iyo.

Apo cheki inotorwa, ani naani anotora cheki angave asingaoni kuti pane kusiyana. Mune zvimwe zviitiko, vanogona kungotarisa nhamba mubhokisi rakanaka uye kugadzirisa cheki chekuita kwakashata.

Zviri nyore kuti izvi zviitike. Funga pamusoro paunogamuchira cheki: unotarisa nhamba mubhokisi rakanaka here, kana iwe unoverenga mari yacho kubva pamutemo wepamutemo?

Vanhu vazhinji vanotarisa pabhokisi rakanaka nokuti rakakurumidza uye rakanyanya nyore (izvi dzimwe nguva zvinoshandiswa kune vanhu vanoita zvekutengesa nevatengi veATM vanobata mari).

Izvi zvingasava mugumo wenyika kana cheki inoshandiswa zvichienderana nenhamba mubhokisi rakanaka - dzimwe nguva ndiyo iyo mwero uyo munyori wekuongorora aida kubhadhara uye ndizvo zvaanotarisirwa. Zvisinei, haisi pfungwa yakanaka kushandisa cheki kana mari isingasviki, kunyange iwe uchifunga kuti uri kurega nayo. Mabhangi ari kushanda kumashure angangowana kupesana uye kuita zvigadzirwa zvisina kufarirwa nekodzero gare gare.

Zvaunofanira Kuita

Chero chero chekiti inopesana nezvakawanda, zvakanakisa kushandisa cheki yakasiyana. Mune zvimwe zviitiko zvichave zvisina kusimba, asi hazvina kukodzera dambudziko rekutarisana nekukakavadzana uye kunonoka. Kana iwe wakanyora cheki, usatora cheki uye nyora imwe itsva. Kana zvisina kudaro, hauzombozivi kuti mari yako yebhadhii ichaita sei chekuongorora. Funga nezvemuenzaniso webhadharo yekubhadhara mari : kana mari yako isingasviki, chii chichaitika?

Kana bhangi ikatora zvishoma kudarika kubhadhara kwako, iwe unogona kubhadhara chirango chekubhadhara nguva, uye chikwereti chako chinogona kutambura kana ichiita seusina kubhadhara iwe. Kana bhanhire rinotora zvakawanda kupfuura zvaunoda, unogona kutsika pasi mumari yako muongororo yekuongorora , uye haugoni kubvumirwa kuderedza mari yako kuti uite iyo mumwedzi unotevera.

Kana ukawana cheki ine nhamba dzisingatauriki, zvinhu hazvisi nyore. Zvinogona kunge zvakaoma kana kusakwanisa kuwana imwe cheki, asi zvichida zvakakodzera nguva yako kuedza. Kana chekiti inoshandiswa pane zvinopfuura zvakatarwa, iwe uchava nemunhu asina kufara zvikuru pamaoko ako (kana mumwe munhu anogona kutora mari yebhangi ravo). Kana chekiti inoshandiswa zvishoma kudarika zvaunotarisira, iwe uri kunze kwechikanda kunze kwekuti iwe unogona nenzira imwe neimwe kuwana mari yaunofanira.