Ikhadi leDebit is Travel Essential
Amakhadi we-Debit kulula ukuyisebenzisa futhi athathe, izimali ziqokwa, futhi kulula ukukhansela uma kulahlekile noma kubiwe ngenkathi ungaphandle. Kulezo zizathu zodwa, kuyadingeka ukuhamba okuhamba phambili, futhi ngihamba ngami (futhi akukho makhadi esikweletu) iminyaka eyisithupha nokubala. Ake singene emininingwaneni yokuthi kungani ngikholelwa ukuthi ukuhamba kwangempela kubalulekile.
Iyini ikhadi leDebit?
Ikhadi lesikweletu lihlukile ekhadini lesikweletu ngoba ikhadi lokukhishwa kwemali liboshwe ngokuqondile ku-akhawunti yakho yokuhlola.
Inani lemali ongayisebenzisa, ngakho-ke, lilinganiselwe imali enayo ebhange lakho.
Ikhadi leDebit isebenza kanjani?
Uma usebenzisa ikhadi lokudonswa, ukuthengiswa kwezimali kuhoxisa (kuhoxisa) inani le-transaction kusuka ku-akhawunti yakho yokuhlola, ngokuvamile ngosuku olufanayo. Ungasebenzisa ikhadi lesikweletu ukuze uthole imali kusuka kumshini we-ATM noma ugijime njengekhadi lesikweletu ezitolo noma ezitolo zokudlela. Ngenxa yokuthi ungasebenzisa kuphela imali enayo ku-akhawunti yakho, asikho isidingo sokuba ukhokhele umthethosivivinywa ekupheleni kwenyanga ngayinye.
Indlela Yokwakha Ibhajethi Yokuvakasha Ngekhadi Debit
Ngokwemvelo, awukwazi ukuthembela ekhadini lakho lokukhipha imali yakho yonke imisebenzi yakho yomhlaba wonke - cabanga ukuxubha nomdayisi wesitaladi ezindaweni zasemaphandleni eNepal , ukuthola imali ngokufanele, bese uzama ukubanika ipulasitiki! Emazweni amaningi asathuthuka, uzothola ngokushesha ukuthi imali isengenkosi, ikakhulukazi ukuthengiswa kwezinga eliphansi.
Amahostela asekude kanye nezindawo eziningi zokudla emazweni asathuthuka abamukeli amakhadi esikweletu (okuyiwona amakhadi asebhange abhekwa ngayo ezindaweni eziningi), ngakho-ke kuzodingeka uqiniseke ukuthi njalo uphethe imali ngaphezu kwekhadi lakho lokukhipha imali. Ngisho namazwe athile athuthukile, njengeJapane, alindele ukuthi ukhokhe ngokukhokhisa konke kusuka endaweni yokuhlala kuya ekudleni.
Nansi indlela engihamba ngayo: Ngihlala nginekhadi lami lesikweletu, kepha nami ngine-stash cash. Ngivame ukuya e-ATM ezweni elisha bese ngenza ukuhoxiswa ngokushesha nje uma ngifika - ngokuvamile engama-$ 200-300. Ngithwala kokubili ikhadi lokukhipha imali kanye ne-debit futhi ngisebenzisa noma yikuphi okuwenza kube nomqondo omkhulu endaweni engiyikho. Emazweni asathuthuka, kuyoba imali kakhulu isikhathi; Kuzo zonke izindawo, uzokwazi ukusebenzisa ikhadi lakho lokudonsa ezindaweni eziningi, njenge-United States.
Ukwengeza, kuwukuhlakanipha ukuhlukanisa imali yakho ezindaweni eziningi lapho uhamba. Gcina okunye esikhwameni sakho, okunye esikhwameni sakho sezinsuku, okunye ephaketheni lakho, kanti okunye esikhwameni sakho. Ngaleyo ndlela, uma kwenzeka uthola imali, uzothola imali eyisikweletu ongayisebenzisa ukuze uthole ukudla nokuhlala lapho uthola indlela yokuxhumana nobhange noma umndeni wakho ukuze uthole usizo.
Indlela Yokuthola Ikhadi Debit
Kungenzeka ukuthi wanikezwa ngokuzenzakalelayo ikhadi lesikweletu uma uvula i-akhawunti yakho yokuhlola. Uma ungenayo i-akhawunti yokuhlola, hamba uvule manje. Bheka ibhange elingakhokhisi ukuhlola izimali ze-akhawunti bese ucela ikhadi lokukhishwa.
Kuthatha izinsuku ezimbalwa ukuya emavikini amabili ukuze uthole ikhadi lesikweletu emva kokuyilandela. Uma ikhadi lifika, bhalisela emuva ukuze uliqinisekise.
Uma kunokwenzeka, bheka ikhadi lokukhishwa kwemali elingakhokhi imali yokuhoxiswa kwamazwe ngamazwe. Uma uzohamba njalo, uzosindisa i-$ 5 ngokuhoxiswa ngokukhokhwa kwemali uma ungathola ibhange elikubuyisela lezo zimali.
Indlela Yokukhetha Inombolo yePhini lePhini leDebit
Ikhadi lakho lesikweletu liza ne-PIN (inombolo yomuntu siqu yokukhomba), engashintshwa kwinombolo ongayikhumbula kalula. Khumbula ngekhanda; uma kufanele ubhale phansi, gcina lokho kuhluke kwikhadi lakho. Ungakhethi inombolo ecacile, njengosuku lwakho lokuzalwa, ukuze unciphise amathuba omunye umuntu okwazi ukuqagela i-PIN yakho uma eba nekhadi lakho.
Uma Ulahlekelwa Ikhadi Lakho Lebidi ...
Uma ikhadi lakho lilahlekile noma libiwe, shayela ibhange lakho ngokushesha nje uma ungakwazi (ukukhetha okuhle kwe- Skype 's, eshibhile kwamakholi angaphandle kusuka kunoma yikuphi ongathola ikhompyutha) ngaphambi kokuba omunye umuntu asebenzise imali yakho.
Bhala phansi inombolo yakho yasebhange ngaphambi kokushiya ekhaya bese uyigcina ezindaweni ezimbalwa - iphephandaba lakho, incwadi yakho yokuqondisa. Setha ikheli le-imeyili lenkohlakalo ngaphambi kokuba usuke ekhaya ukuze ibhange lakho likuthumelele ikhadi elihlukile uma okwenu kulahlekelwa noma eyebiwe, noma uvele uthwale amakhadi amaningi we-debit, ukuze kuthi uma umuntu ekhanseliwe, akudingeki ukhathazeke ukuthole ithunyelwe kuwe ngaphambi kokuthi uqhubeke nokuhamba.
Isikhathi sokusebenzisa ikhadi lakho lokudinga
Ungasebenzisa ikhadi lesikweletu ezindaweni eziningi emhlabeni jikelele - nangaphandle kwe-United States, ngokuvamile kuvunyelwe noma kuphi lapho ungakhokha khona ngekhadi lesikweletu. Ngisebenzisa imayini ezindaweni zokuthenga ezitolo, ngaphandle kokudlela, amathilomu, nemishayo, ukukhokhela indawo yokuhlala nezindiza. Isikhathi esisodwa engingayisebenzisi yilapho ngizama ukusebenzisa imali yami, uma ngikhokha ukudla komgwaqo, noma ngithenga okuthile emakethe.
Mayelana Nemali Yekhadi Debit kanye Nemali Yokudluliselwa Ngaphandle
Ama-ATM aMazwe ngamazwe azokhokha imali uma usebenzisa ikhadi lakho lokukhipha imali; inani lemali linqunywa umnikazi we-ATM. Izinkokhelo eziningi zingaphansi kwe $ 5 - isaziso kumshini we-ATM uzokutshela ukuthi imali iyini. Okungaphezu kwe-$ 3 kukhulu kakhulu, ngakho-ke funa enye ukuze ubone ukuthi ungathola yini into engcono.
Inkinga yangempela yokukhokha ngekhadi lesikweletu livela ebhange lakho - umnikezeli wekhadi angakukhokhisa amaphesenti angu-3 ngokuthengiswa kwamanye amazwe, kufaka phakathi ukukhishwa kwe-ATM. Shayela ibhange lakho isikhathi eside ngaphambi kokuba uhambe - uma ungathandi imali, shayela futhi ucele ukuthi yiziphi ezinye amabhange ezikhokhisa ukuthengiswa kwamanye amazwe okwenziwe ngekhadi lesikweletu; qiniseka ukubuza ukuthi yini, uma ikhona, izimali ebhange zizokhokhisa ukukhishwa kwe-ATM eyenziwa enhlabathini yangaphandle, ngisho nasebhange elingaphandle.
Lesi sihloko sihlelwe futhi sibuyekezwa nguLauren Juliff.