Yikuphi Indlela Okumele Uyisebenzise Ukukhokha Ukuqasha Kakho
Ukukhokha imoto eqashisayo kungenziwa njalo ngekhadi lesikweletu noma ikhadi lesikweletu, nakuba kunezinto eziningana ezithinta ukuthi indlela eyodwa yokukhokha ingcono kunomunye.
Izinqubomgomo zezinkampani zokuqashwa eziphathelene nezinkokhelo zokukhokha, ukufaka imali, nokugcina izimali ziyahlukahluka kakhulu, kokubili inkampani kanye nehhovisi lezimoto eziqashisayo. Ngenkampani efanayo yokuqashisa imoto, amahhovisi amabili okuqashisa endaweni angase abe nemigomo ehlukile ekukwamukelweni kwekhadi lesikweletu, idiphozi, inamakhadi esikweletu kanye nezinqubomgomo zokubhuka.
Uma ubeka imoto eqashisayo, ubuyekeze isivumelwano sakho sokuqasha esikhethekile, sinikeze inkampani yakho yemoto eqashisayo ikuvumela ukuthi uyibone uma ubhala imoto yakho yokuqasha. Lesi sivumelwano sokuqasha sizokutshela ukuthi ungakwazi yini ukukhokha ngekhadi lokudonswa. Uma ungeke ubuke isivumelwano sakho, shayela ihhovisi lakho lezimoto eziqashisayo, noma ngabe likhona kwelinye izwe, futhi ubuze mayelana nezinketho zokukhokha zokubhuka kwakho.
Ngokuvamile, ukukhokha ngekhadi lesikweletu kungcono kakhulu ngoba akudingeki unikeze inkampani yemoto eqashisayo ukufinyelela ngqo ku-akhawunti yakho yasebhange. Ukwengeza, ungaphikisana nokukhokhiswa ngenkampani yakho yekhadi lesikweletu uma ukhokhiswa ngephutha, futhi ngeke uhlole isitifiketi, okungathinta ukulinganisa kwakho isikweletu.
Ukukhokha Ngekhadi Lesikweletu
Uma uqasha ngaphakathi e-United States, kunezinkinga eziningana ezingase ziphakame uma ufuna ukusebenzisa ikhadi lokukhishwa ukuze ugcine futhi ukhokhe imoto yakho eqashisayo .
Izinkampani eziningi zezimoto eziqashisayo zase-US zamukela amakhadi okukhipha imali uma ukhokha imoto, kodwa zidinga ukuba unikeze ulwazi lwekhadi lesikweletu uma ukhetha imoto yakho yokuqasha. Ngokufanayo, amahhovisi amaningi aseCanada okuqashiswa kwemoto angeke akuvumele ukuba uqoqe imoto yakho yokuqasha usebenzisa ikhadi lokudonswa. Kuzodingeka uvumele i-ejenti yemoto eqashisayo ukuba uswayiphe ikhadi lakho lesikweletu uma usayina isivumelwano sokuqasha.
Lezo izinkampani eziqashisayo zemoto ezikuvumela ukuthi uthathe imoto yakho usebenzisa ikhadi lokukhishwa kwemali ngokuvamile zizokuvumela ukuthi usebenzise ikhadi lakho lokukhipha imali ukuze uqinisekise ukuqashiswa kwakho uma udlulisa izikweletu zakho zokuhlola. Lokhu kusho ukuthi inkampani yemoto eqashisayo izoqhuba isheke sesikweletu kuwe, mhlawumbe nge-Equifax, ngaphambi kokuthi uqede isivumelwano sokuqasha.
Uma inkampani yakho yokuqasha imoto ikuvumela ukuthi ukhethe imoto yakho usebenzisa ikhadi lakho lokukhipha imali, i-agent eqashisayo izobamba imali e-akhawuntini yasebhange eboshwe ekhadini lokukhishwa kwemali ngenani elilingana namacala okuqashiswa aqhathaniswa kanye nediphozi, ngokuvamile i-$ 200 kuya $ 300. Le mali ye-deposit ihlukahluka ngendawo, kodwa idiphozi yakho izobuyiselwa ku-akhawunti yakho yasebhange ngemuva kokuthi ususe imoto yakho yokuqasha.
Uma kufanele ubuyisele imoto yakho yokuqashisa sekwephuzile noma esimweni esonakele, isivumelwano sakho esayiniwe sinikeza inkampani yokuqashisa imoto ilungelo lokuhoxisa izimali ezivela ku-akhawunti yakho yasebhange ukumboza izimali ezisheshayo noma ukulungisa umonakalo.
Ukukhokha Ngekhadi Lesikweletu
Uma uhlela ukugcina nokukhokhela imoto yakho yokuqasha ngekhadi lesikweletu, kunezinkinga ezimbalwa. Kungase kungadingeki unikeze ngolwazi lwekhadi lesikweletu uma ugcina imoto yakho yokuqasha, kodwa uzodinga ukukhombisa ikhadi lakho lesikweletu kanye ne-ID yesithombe ku-agent eqashisayo uma ukhetha imoto.
I-agent izoswayipha ikhadi lakho ngaphambi kokuba usayine inkontileka.
Amahhovisi amaningi e-US eziqashisayo eziqashisayo abamba ikhadi lakho lesikweletu uma uthola imoto yakho yokuqasha. Ngokuvamile, le mali ilingana namacala akho okuqashiswa aqhathaniswayo kanye nomkhulu wemali ehleliwe-dollar noma iphesenti-evamile ngamaphesenti angu-15 kuya ku-25-amacala okuqashiswa aqhathaniswayo. Ngakho-ke, uma izinkokhelo zakho zokuqasha eziqashisayo zingama-$ 100, ukubamba ikhadi lakho lesikweletu kuzoba ngu- $ 100 kanye nesamba esithile sediphozi ($ 200 yinombolo yokuqala yokuqala) noma u-$ 15 kuya ku-$ 20, noma yikuphi okukhulu. Kulesi sibonelo, ukubamba kwekhadi lakho lesikweletu kuzoba ngu-$ 300.
Uma ubuyela imoto yakho, ukubamba kuzosuswa futhi ikhadi lakho lesikweletu lizokhokhiswa kuphela inani elilinganayo olinayo. Uma imoto ibonakalisiwe noma ibuyiselwe emva kwesikhathi sokugcina, uzobhekana namacala engeziwe .
Ezinye izindawo eziqashisayo ngeke zamukele amakhadi akho ekhokhelwa i-VISA ne-MasterCard. Uma uhlela ukukhokha imoto yakho yokuqasha ngekhadi elikhokhelwayo, shayela ihhovisi lezimoto eziqashisayo ngaphambi kokuba wenze ukubhuka kwakho ukuze uthole ukuthi uzokwamukelwa yini.