Amathiphu awusizo ekuphikisanayo futhi angase aguqule izinkokhelo ezimbi zekhadi lesikweletu
Ngesikhathi sokuhamba, into yokugcina noma ubani ofuna ukucabanga ngayo ihoxiswa ngokuthengiselana ngekhadi lesikweletu. Okubi nakakhulu, akekho ofuna ukucabangela umbono wokuba inombolo yabo yekhadi lesikweletu ebiwe kwelinye izwe. Ukusebenzisa amakhadi esikweletu ngenkathi uhambo lwakho kungaba yindlela elula kakhulu futhi elula yokukhokha, kodwa futhi ungafika nezingozi eziningana.
Iziqondiso zomhlaba wonke zakhiwe kulabo abazithola bekhetha ipulasitiki phezu kwephepha ekuthengisweni emhlabeni jikelele.
Lezi zivikelo zikhona ngezizathu ezizwakalayo: Ngokusho koMnyango Wezobulungiswa, abantu abangamaphesenti angu-7 abaneminyaka yobudala eyi-16 nangaphezulu babeyizisulu zokuba ukwebiwa kobunikazi ngo-2012. Iningi lala macala lihilelekile ngokusebenzisa ama-akhawunti asebhange noma asebhange ukuze bahlasele amacala isisulu.
Kodwa-ke, akuzona kuphela abahambi bezinkinga ababhekana nazo lapho basebenzisa amakhadi abo. Kwezinye izimo, abasebenzisi bekhadi lesikweletu bangakhokhiswa ngempahla engakaze itholwe, noma umthengisi wakho angase aphuze ngokweqile ikhadi lakho. Kuzo zonke lezi zimo, ukuphikisana nokukhokhwa kwekhadi lesikweletu kungakusiza kusukela ekushiywe ngesikweletu esikhulu ongasisho ukuthi uzosikhokhela.
UMthetho WezeMali Wokukhokhelwa Kwempahla nawe
E-United States, umthetho we-Fair Credit Billing Act (FCBA) ubeka imithethonqubo yokukhishwa kwekhadi lesikweletu kanye namacala okuphikisana ekhadini lakho lesikweletu. Ngalesi siqondiso, kunezimo eziningana lapho ungahle uzibophezele khona ngamacala amabi kukhadi lakho lesikweletu.
Lezi zimo zihlanganisa:
- Amacala angagunyaziwe noma okukhwabanisa,
- Izinkokhelo ezihlunga usuku olungalungile noma inani, noma
- Izinkokhelo zezimpahla noma amasevisi azizange zithunyelwe noma zitholwe
Uma uthola ukuthi ikhadi lakho lesikweleti likhokhiswa ngokungalungile, noma inombolo yakho yekhadi lesikweletu libiwe futhi lisetshenzisiwe, unelungelo lokuphikisana namacala akho nomhlinzeki wakho wekhadi lesikweletu.
Indlela yokutshela uma ikhadi lakho lihlukunyezwa ngenkathi lihamba
Uma uhamba, ukutadisha isitatimende sakho sekhadi lesikweletu kungase kungabi yiyona nto ebaluleke kakhulu. Ngebuchwepheshe besimanje, akudingeki uphinde uhlole zonke izinkokhelo ekupheleni kosuku. Kunezindlela ezimbili ezilula zonke izivakashi ezizokwazi ukuzenza ngaphezulu kokusetshenziswa kwekhadi lesikweletu ngenkathi zihamba.
- Qonda inqubomgomo yakho yokuhamba ngekhadi lesikweletu
Amakhadi amaningi esikweletu, kungakhathaliseki ukuthi asetshenziselwa ukuhamba noma cha, adinga isaziso esithuthukile uma ulindele ukuwasebenzisa ngaphandle kwezwe lakho. Ngokwenza ikhadi lakho likhishwe isaziso sebhange ngezinhlelo zakho zokuhamba (uma kunesidingo), ungasiza ukuqinisekisa ukuthi ikhadi lakho lisetshenziswa kuphela ezweni ongenawo. - Sebenzisa izinhlelo zokusebenza ze-smartphone uphinde usethe izexwayiso zokusebenzisa
Ukwengeza, abanikeli abaningi bekhadi lesikweletu banikeza izinhlelo zokusebenza ezingakuvumeli kuphela ukuhlola ukusetshenziswa kwakho nomaphi lapho ukhona emhlabeni, kodwa futhi uthole izaziso zokuchitha okungajwayelekile noma okungavamile. Uma wazi ukuthi ukuchitha kwakho kuzoba ngaphansi kombindi othize ngenkathi uhamba, landa uhlelo lwakho lwekhadi lesikweletu kanye nezixwayiso zokusebenzisa ukusetha. Lokhu kungakusiza ukuthi ubone ukuhlukana ngaphambi kokuthi kube yinkinga enkulu. Qaphela ukuthi lezi zinhlelo zokusebenza zingase zisasebenzise idatha ngenkathi zingaphesheya, okuholela ekukhokhweni kwefoni okungase kube khona ukuhamba kwemininingwane yamazwe ngamazwe.
Naphezu kokuhlelwa kwakho okuhle, ungase uthole unamathele ngokungahambisani namacala, noma ngamacala okukhwabanisa nge-akhawunti yakho . Uma kwenzeka lokhu kwenzeka, sekuyisikhathi sokufaka impikiswano yokukhokha ikhadi lesikweletu.
Okufanele ukwenze uma ubona ukungafani
Ngokushesha uma ubona ukuphazamiseka kwesikweletu sakho sekhadi lesikweletu, ngokushesha ungafaka ingxabano yokukhokhisa nenkampani yakho yekhadi lesikweletu. I-Consumer Financial Protection Bureau ibike lokhu njengesikhalazo esivame kakhulu: 15% yazo zonke izikhalazo ezibekwe phakathi kukaJulayi ka-2011 no-Mashi ka-2013 kwakuyizingxabano zokukhokha. Nakhu ukuthi uqala kanjani ngokufaka umbiko wokuphikisana wokukhokha:
- Bika inkokhelo engagunyaziwe
Uma nje ubona inkokhelo engagunyaziwe ekhadini lakho lesikweletu, qalisa ngokushesha inqubo yokuphikisana ngenkokhelo nomklomelo wakho wekhadi lesikweletu. Lokhu kungenziwa kaningi ngokushaya ucingo, futhi kwezinye izimo kungaqaliswa phezu kwe-imeyili. Ngokuqala inqubo ekuqaleni, ungasondelana nokulungisa noma ukukhipha isamba ngokuphelele.
- Landela incwadi yokukhononda
Ngokusho kwe-FCBA, unezinsuku ezingafinyelela ku-60 ukufaka impikiswano ekhokhwayo yokukhokha ngebhange lakho lokukhishwa ngekhadi lesikweletu. Uma ingxabano yakho ingaxazululwa phakathi nenyanga, ngokushesha ulandelele incwadi ebhange lakho echaza impikiswano yakho yokukhokha, futhi kungani uphikisana nayo. Ngalesi sikhathi, awukwazi ukuphoqeleka ukukhokha inani eliphikisanayo, kodwa kuzomele ukhokhele zonke ezinye izindleko ezijwayelekile nokuqhubekayo ekhadini lakho. - Thumela isikhalazo kuBhangi Lokuvikeleka Kwezezimali zabathengi
Uma kwenzeka ukuthi ingxabano yakho yokukhokha ingasusiwe ngesikhathi esilinganiselwe, cabanga ngokufaka isikhalazo kuBhovisi Lokuvikela Ngezezimali zabaThengi. Le nhlangano ye-watchdog ye-government yasungulwa ngemuva kokunciphisa umnotho, ukuze kusize abathengi ezimweni ezinjengalezi. I-CFPB ingakwazi ukusiza ukuxazulula isimo sakho uma zonke ezinye izinketho zihluleka.
Ngokuhlala ngaphambi kwezindleko zakho zekhadi lesikweletu, ukuqonda amalungelo akho uma kuziwa ekusebenzeni ngenkathi uhamba, futhi uzivikele emacala amabi, ungaqiniseka ukuthi uhambo lwakho oluya epharadesi alutholanga. Ngalolu lwazi, ungahlala uqapha - futhi uvikelekile - nomaphi lapho uya khona.