Kuyini ikhadi lemali. ikhono layo

Kuze kube muva nje, i-izinkokhelo ze-non-ukheshe zitholakala kuphela ezinhlanganweni lokufeza ukuthengiselana okunjalo ngokusebenzisa akhawunti asebhange. Kodwa-ke ukuphila yingxenye ikhadi plastic, okwakunginika izakhamuzi ilungelo hhayi baphathe ukheshi kanye ngesikhathi esifanayo ngokukhululekile ukuthenga izimpahla kanye ukukhokhela izinsizakalo.

Manje kukhona izinhlobo ezimbili of amakhadi asebhange: namakhadi emali. Lapha sizama ukuchaza ukuthi ikhadi lasebhange.

Ingqikithi yalo ikhadi lemali

Ngokubukeka kunzima kakhulu ukuba siqonde lokho umsebenzi enikezwa ucezu plastic. Ulwazi ebiyelwe ikamelo ikhadi namakhodi ekhethekile, emagama okuyinto umsebenzisi isilinganiso nzima kakhulu. Futhi ngakho - uhlelo kuyafana evamile. Ngokuvamile Visa noma MASTERCARD nabo bonke logo ebhange, okuyinto ikhiphe.

Ukuze uzwisise ukuthi yini ikhadi lemali kulula, uma sicabange uhlobo isikhwama electronic, okuyinto uthola izimali ezivela emithonjeni ehlukahlukene. Ngaphezu kwalokho, isithakazelo ngoba ukusetshenziswa imali esikhungweni sezimali ngeke sikukhokhise. Ezinye amabhange baye bazama ukuheha abasebenzisi abasha, okwenza amamephu idiphozi, kodwa ukusabalala elikhulu lo mkhuba akubanga - ukuba babe nezinkinga software.

Yini imisebenzi kungaba kwenziwe ngosizo

Ezinye izindaba zika-ikhadi lemali inikeza izici ezifanayo njenge-akhawunti samanje abantu zomthetho. Ake uqale nge yokuthi ngesikhathi lapho design wenziwe lesikweletu, uvula i-akhawunti. Ungabese enze izinyathelo ezilandelayo:

- ukubeka imali kwi-akhawunti yekhadi;

- uwasuse ngaphakathi umkhawulo nsuku zonke, kunqunywa Bank;

- ukuze afeze yokukhokha non-cash kwezimpahla e Izitolo okudayisa ifakwe pos-ezikhumulweni;

- ekukhokheleni amasevisi izinhlangano ezehlukene (Izinsiza, nokunye.) Kusukela ezikhumulweni fixed;

- ukuze afeze izinkokhelo non-cash izimpahla nezinkonzo ku-inthanethi;

- ukuthola izitatimende zokusebenza ezilinganisweni nokunye.

Ngaphezu kwalokho, umbuzo yini ikhadi lemali, ngokwethukela kuchazwa futhi osomabhizinisi ngabanye. Iziphathimandla zentela kakade udonseleka ukunakekela isidingo freelancers kokubhalisa akhawunti yekhadi yabo ukuhlolwa. Futhi kusekukhulu kube eqinile.

Noma kunjalo, iningi Savings Bank ikhadi lemali esetshenziselwa lula cash ukuhoxiswa. Ngakho-ke, iningi ukuthola ikhadi elinjalo ukuze uthole imali abaqashi. ngokwejwayelekile izinkampani Iningi uphasisiwe ukukhokha amaholo umsebenzi ngokudlulisela ikhadi. Futhi ngenxa yalokho, bavame ukusebenzisa debit card Sberbank. Phela, leli isikhungo yisona esikhulunywa abantu abaningi ATM inethiwekhi.

Izici amakhadi afana

I-debit card izinhlobo abasebenzisi bakhangwa yokuthi umnikazi has cishe awekho nezikweletu ukuze amabhange. Kanye ngonyaka, izindleko yesondlo ngokuzenzakalelayo emalini akhawunti - yilokho. Isakhamuzi ungenziwa kuphela ubuyise inhloko-dolobha yabo ngendlela esifike ngesikhathi. Kuyathakazelisa ukuthi kuyi-uhlobo credit alikwazi ukuhumusheka - kubalulekile ukuba isivumelwano esihlukile.

Debit card kungenziwa ezilawula nge amasevisi on-line kanye nezokuxhumana mobile. Cash, yebo, lokhu akusebenzi, kodwa ukwenza izinkokhelo noma ukuthola ulwazi kwi-akhawunti ukunyakaza - kalula.

Ekuqaleni, lwemali ikhadi kunqunywa inkontileka, kodwa kungenziwa iguqulwe, uma kunesidingo, okuyinto ebaluleke kakhulu phesheya. Inkinga nje - le khomishana okusezingeni eliphezulu esenana. Nokho, kusukela achithe kuzo imali eyengeziwe uyokhulula ngamunye ehlotshisiwe debit card ne lwemali oyifunayo. Kujwayele iza abahambi ebona.

Sithemba ukuthi sakwazi ukuchaza kuwe lokho ikhadi lemali. Umbono jikelele - lena elula kakhulu futhi ewusizo ithuluzi lokukhokha. Into ebaluleke kakhulu - ke aqede nobunzima ezihambisana ukheshi.