Yiziphi namakhadi okukhipha imali nge isithakazelo?

Umehluko ezibaluleke kakhulu phakathi debit card kusuka credit wukuthi lasebhange kuhilela ukusetshenziswa izimali zabo siqu futhi credit - izimali ebhange.

Debit amakhadi - ke kuyinto efana yesimanje yamapasi. Iqala ibhalansi yakho, futhi imali igcinwa kwi -akhawunti yasebhange. Uma ufuna, ungakwazi ukuhoxisa ukheshi noma, Ngakolunye uhlangothi, ukwenza.

Debit amakhadi ukuze isebenze yayo akahlukile kwezinye izinhlobo amakhadi asebhange. Benza-ke kungenzeka ukukhokhela izimpahla kanye namasevisi, ukususwa imali zezimali khomishana, ukuqapha akhawunti yakho usebenzisa i-internet banking.

Kangakanani icala esele izimali

Debit amakhadi ngesithakazelo, njengoba umthetho, awathathe icala amaphesenti 0.01 ngonyaka ka. Okusho ukuthi, uma ngokuhamba kwesikhathi ngaphandle ama-ruble ayizigidi eziyikhulu unyaka owodwa akhawunti yakho izofakwa ukuze ruble 10. Lokhu kulinganisela sincane kakhulu. Kodwa namuhla phakathi amabhange kuyinto ekuncintisaneni okushubile ikhasimende ngalinye, ngakho bazama ukunikeza amanani ishibhile. Noma kunjalo, ukuthi amakhadi debit ngesithakazelo ekubeni esikhundleni sina ngoba umnikelo elula ebhange. Ngokwesibonelo, zenzalo okunikelwe nanye per cent ngonyaka kwezinye amabhange.

Ngemva wenza yimuphi umsebenzi ne ikhadi lemali, ungakhohlwa ukuhlola ibhalansi yakho. Lokhu kuyokwenza ugcine kusuka lezimanga lezinhlupheko.

Njengoba ekhishwe debit card kanye nenzalo

Ukuze uthole i-credit card kanye nenzalo, siyadingeka ukuze uxhumane ebhange futhi zisebenza. ebhange ngamunye ekhishwe khadi imigomo yakho siqu futhi zezinsiza. Ngezinye izikhathi umehluko libalulekile. inkonzo ikhadi Lonyaka kungabiza imali ama-ruble ayizigidi ezimbili. Ibhalansi encane ku-akhawunti ukhokhiswe iphesenti eliphezulu kuhluka ruble 5 izinkulungwane 50.

Indlela ukukhetha

Zonke amakhadi debit ne Okuthakazelisayo ukukhetha ngokuhlakanipha futhi aphathe njengobaluleke kakhulu. Kubalulekile ukubala malini nokuthi uchitha imali engukheshi noma non-cash indlela ukhokha, kude kangakanani ATM elise nokuningi. Kahle wacosha ikhadi lemali kungenzeka kuwe elula kakhulu hhayi kuphela ithuluzi lokukhokha, kodwa izohamba ukuphepha izimali zakho, kodwa futhi ulethe engeziwe okwenza inzuzo. Ezinye amabhange futhi usebenza ezihlukahlukene izinhlelo ibhonasi ezikuvumela buthelela ibhonasi amaphuzu kwi ukuthenga. Lezi amabhonasi ongakhokhela ezitolo, iziteshi ngophethiloli, ekugcineni, ukukhokhela kuselula.

Yikuphi yasebhange kungcono

Lapha konke kuzoncika wena. Kodwa amathiphu ambalwa usengakwazi ukunikeza. Okokuqala, babheke ngokucophelela ukuthi yini amanani, futhi kungakanani nokugcinwa yonyaka. Okwesibili, sinake khona wemisebenzi, likhona yini izimali ezifihliwe noma zonke esobala.

Futhi uyoba ukukhetha yokukhokhelana. Uma uthanda ukuhamba, bese umbuza ohlelweni lokukhokha, lapho izwe usebenza, kunawe kuyoba kulula ukusebenzisa, njll

Sifisela wena ukukhetha ngempumelelo amakhadi!