Ama-Debit amakhadi akhishwa yizikhungo eziningi zemali ezehlukene, kubandakanya amabhange kanye nezinyunyana zezikweletu. Ngayinye yalezi zikhungo inezinqumo zayo ezilawula ukuthi ungasebenzisa noma ungayisebenzisi yini ikhadi lakho lokudonsa ngokuphepha ngaphandle kwezwe.
Ngaphambi kokuba uhambe phesheya, qiniseka ukuthi uzokwazi ukuthola izimali zakho, kumshini wokutshela ozenzakalelayo (i-ATM) noma ebhange kwelinye izwe, usebenzisa ikhadi lakho lokukhishwa elikhishwe e-United States.
Ukwengeza, kufanele ubheke amathiphu okuphepha ukugwema ubunikazi noma i-credit / debit card ukweba ngenkathi uhamba. Njalo ube necebo lokulondoloza imali uma ungenakufinyelela ezikhathini zakho ngebhange lakho laseMelika.
Uma ulandela amathiphu alula okuhamba ngekhadi le-debit yaseMelika, kufanele ukwazi ukuhamba cishe noma yiliphi izwe ngaphandle kokuvalelwa kokufinyelela imali yakho ngaphandle kwezwe.
Izindawo ze-ATM zocwaningo namaNethiwekhi
Amakhadi we-Debit "inkulumo" neziko lakho lezezimali ngamanethiwekhi wekhompuyutha. U-Maestro no-Cirrus, amanethiwekhi amabili ama-ATM amakhulu kakhulu, angabakwa-MasterCard, kuyilapho iVisa ingenawo inethiwekhi ye-Plus.
Ukuze usebenzise ikhadi lakho lokudonsa ku-ATM, i-ATM kufanele ihambisane nenethiwekhi yakho yesikhungo sezezimali. Ungabheka ukuthi yimaphi amanethiwekhi ongawasebenzisa ngokubheka eceleni kwekhadi lakho lokukhishwa ngamanothi wenethiwekhi ye-ATM. Bhala phansi amagama enethiwekhi ngaphambi kokuhamba.
Bobabili i-Visa ne-MasterCard banikela abanikazi be-ATM abasendaweni e-intanethi.
Sebenzisa abakhiqizi ukuhlola ukutholakala kwama-ATM emazweni ohlela ukuwavakashela.
Uma ungatholi i-ATM emadolobheni oya kuwo, kuzodingeka uthole ukuthi ukushintshanisa abahambayo ukuhlola noma ukheshe kumabhange wendawo, noma uzodinga ukuletha ukheshi nawe futhi uyithwale ebhantshini lemali .
Shayela iBhange Lakho
Okungenani izinyanga ezimbili ngaphambi kokuthi uhlele ukuhamba, shayela ibhange lakho noma inyunyana yezikweletu.
Tshela ummeli ukuthi uhlela ukusebenzisa ikhadi lakho lokubambisa phesheya bese ubuza ukuthi Inombolo Yakho Yokwaziswa (i-PIN) izosebenza ngaphesheya kwezilwandle. I-PIN enezinombolo ezine isebenza emazweni amaningi.
Uma iPIN yakho iqukethe ama-zero, cela ukuthi izoletha izinkinga kuma-ATM angewona inethiwekhi. Uma i-PIN yakho inamadijithi amahlanu, cela ukuthi ungayishintsha yini inombolo yezinombolo ezine, njengama-ATM amaningi angaphandle ngeke aqaphele i-PIN yamadijithi amahlanu. Ukushayela phambili kuzokunika isikhathi esiningi sokuthola nokukhumbula nge-PIN enye.
Phakathi nekholi yakho, cela mayelana nokuthengiswa kwezilwandle kanye nemali yokuguqula imali. Qhathanisa lezi zimali kulabo abakhokhiswa yinkampani yakho yekhadi lesikweletu. Izimali zihlukahluka kakhulu, ngakho kufanele uqiniseke ukuthi uthola isivumelwano ongaphila ngaso.
Amabhange amaningi, izinyunyana zezikweletu, nezinkampani zekhadi lesikweletu ziphoqa amakhadi amakhasimende uma amakhadi asetshenziselwa ngaphandle kohambo olujwayelekile lokuhamba kwamakhasimende. Ukuze ugweme izinkinga, shayela izikhungo zakho zezimali ngesonto ngaphambi kokuba ushiye. Batshele kuzo zonke izindawo zakho futhi ubatshele uma uhlela ukubuyela ekhaya. Ukwenza lokhu kuzokusiza ukuba ugweme ukuhlazeka kokuthengiswa okunqatshiwe noma ikhadi lesikweletu elifriziwe.
Yenza uhlelo lwesipele futhi wazi ukulinganisela kwakho
Ungalokothi uhambele kwelinye izwe ngohlobo olulodwa kuphela lwemali yokuhamba .
Letha ikhadi lesikweletu noma amasheke abanye abahambayo uma kwenzeka ikhadi lakho le-ATM libiwe noma lihluleka ukusebenza.
Yenza uhlu lwezinombolo zokuxhumana zocingo uma ulahlekelwa ikhadi lakho le-ATM. Ngeke ukwazi ukushayela izinombolo zamahhala noma "800" ezivela ngaphandle kwe-United States. Isikhungo sakho sezezimali singakunika enye inombolo yocingo ukuze usebenzise uma ubiza kusuka phesheya.
Shiya uhlu lwezinombolo zocingo kanye nezinombolo zekhadi lesikweletu kanye ne-debit ngelungu lomndeni noma umngane othembekile. Lo muntu angakusiza wenze ucingo ngokushesha uma ubeka phansi ikhadi lakho.
Qiniseka ukuthi unayo imali eyanele ku-akhawunti yakho ukumboza izindleko zakho zokuhamba, bese kuthi ezinye. Ukuphuma kwemali ngaphandle kwezilwandle kuyisimo sezinsuku zonke zomhambi. Njengoba ama-ATM amaningi angaphandle kwezwe anemikhawulo yokuhoxiswa nsuku zonke engase ingafanani nalabo abanikezwe isikhungo sakho sezezimali, kufanele uhlele phambili uma kwenzeka uhlangabezana nemingcele yokuhoxiswa okuphansi ohambweni lwakho.
Hlala Uphephile Uma Ulahla Ikheshi
Ukuze unciphise ingozi, yenza uhambo oluncane ngangokunokwenzeka kuma-ATM. Khumbula nge-PIN yakho, futhi ungalokothi ubhale phansi endaweni ecacile. Ngaso sonke isikhathi uphathe imali yakho ebhantshini lemali elifihliwe futhi ugcine i-ATM yakho namakhadi esikweletu ngemali yakho.
Gwema ukusebenzisa ama-ATM ebusuku, uma kungenzeka, ikakhulukazi uma uwedwa, futhi ubukele omunye umuntu asebenzise i-ATM ngempumelelo ngaphambi kokufaka ikhadi lakho. Izigebengu zingangenisa umshini wepulasitiki emkhawulweni wekhadi le-ATM, uthathe ikhadi lakho, futhi ubuke uthayiphe iPIN yakho. Uma ikhadi lakho linamathele, lingalithola futhi lihoxise imali usebenzisa iphinikhodi yakho. Uma ubona elinye ikhasimende lihoxisa imali ku-ATM, lowo mshini cishe uphephile ukusebenzisa.
Njengoba uhamba, yenza i-ATM kanye namarisidi okuthengiselana ngemvilophu ukuze ukwazi ukuletha ekhaya esikhwameni sakho. Londoloza ukudlula kwakho ukugibela izindiza ukufakazela usuku lwakho lokubuyisa. Uma udinga ukuphikisa ukuthengiselana, ukuthumela ikhophi yerisidi yakho kuzosheshisa inqubo yokuxazulula.
Emva kokubuyela ekhaya, hlola ngokucophelela izitatimende zakho zasebhange futhi uqhubeke wenze njalo izinyanga ezimbalwa. Ubugebengu bobuqili buyinto yokuphila, futhi akugcini ezweni lakini. Uma ubona noma yiziphi izinkokhelo ezingavamile esitatimendeni sakho, tshela isikhungo sakho sezimali ngokushesha ukuze bakwazi ukuxazulula inkinga ngaphambi kokuthi othile phesheya angene ngemali yakho eyimali enzima.