Zaka zana zamakono zamakono opangika patsogolo ndi machitidwe a mabanki apadziko lonse akhala akupereka makasitomala awo ntchito zosiyanasiyana ndi mapu. Mu zosiyana izi ndi zophweka ndi zosokoneza, komabe zida zina ziyenera kudziwika. Yankho la funsoli, khadi la debit ndi liti, pofufuza ndondomekoyi.
Kodi khadi la debit ya banki ndi chiyani?
Khadi la kubweza la banki lomwe limakulolani kupanga malipiro osiyanasiyana ndi kubanki mu ndalama zomwe zili pa akaunti yake - ndilo khadi la debit limatanthauza. Zodabwitsa zake n'zakuti wosuta amagwiritsa ntchito ndalama zake zokha. Inu mukhoza kuyamba khadi lotero ali ndi zaka khumi ndi zinayi. Izi sizitanthauza chikalata cha ndalama ndi zolemba zina zofanana.
Kodi pali kusiyana kotani pakati pa khadi la debit ndi khadi la ngongole?
Palibe zizindikiro zakunja zosiyana ndipo makadi onse a banki amawoneka ofanana. Mitundu yonseyi ndi chida cholipira. Kusiyana pakati pa khadi la debit ndi khadi la ngongole:
- Lolani kuti mugwiritse ntchito njira zanu zokha;
- kawirikawiri mabanki amapereka chithandizo chowerengera chiwongoladzanja pamtunda wina pamapeto pa mwezi pa khadi la debit.
Kodi khadi la debit ndi chiyani? Khadi la ngongole liri ndi ndalama za bungwe la banki, limene wochita kasitomala ali ndi ufulu wogwiritsira ntchito pazinthu zina, ndiye amawabwezeretsanso pa khadi, pokhapokha akulipira chiwongoladzanja pogwiritsa ntchito ngongole ndalama. Ndiponso, pa mizere ya ngongole, malire amayikidwa kuti achotse ndalama. Pa khadi la debit, palibe malire oterowo.
Kodi pali kusiyana kotani pakati pa khadi la debit ndi khadi la overdraft?
Pali mtundu wa khadi, ngati khadi la debit yomwe ili ndi overdraft . Panthawi yomwe ndalama zanu zilipo kuti zigwiritsidwe ntchito pa khadi lolipira, khadi lokhala ndi ndalama zowonjezereka zimakulolani kutenga ndalama za ngongole. Simukusowa kanthu kena. Ndalama zolipiridwa pamtundu winawake (mfundoyi ikufotokozedwa pa nthawi yolembetsa) komanso momwe aliri pa khadi.
Ubwino ndi kuipa kwa makadi a debit
Makhadi olipira ndi ochuluka kwambiri kuposa makadi a ngongole. Zina mwazinthu zomwe ndikufuna ndikuwona kuti kuchoka kwa ndalama kumatanthauza peresenti. Ngati mugwiritsa ntchito ndalama zowonjezereka, chiwongoladzanja chidzakhala chachikulu. Mapulogalamu a khadi la debit:
- malo osokonezeka mu sitolo iliyonse;
- kulipira kwa misonkhano kudzera pa intaneti kapena mapeto a banki;
- Simukusowa kunyamulira thumba lamtengo wapatali, mukhoza kungotenga "chidutswa" chochepa cha pulasitiki;
- njira yabwino yosunga ndalama.
Palinso mwayi wogwira ntchito za banki popanda kuchoka panyumba, kupanga ndalama zosinthanitsa. Kugwiritsa ntchito mabanki a mafoni a m'manja - simukuyenera kuima ndi kulingalira ndalama zomwe muli pa khadi, mungathe kupanga zingapo ndikubwera ndi SMS ndi ndalama zokwanira pa khadi. Ufulu wogwiritsira ntchito overdraft amatanthauza kuti simusowa kupanga ngongole yowonjezera.
Mitundu ya makadi a debit
Chinsinsi chachikulu pa akaunti ya banki ndi khadi la debit. Mukamaliza khadi lolipira ngongole m'masitolo apadera, mumalandira mabhonasi omwe mungagwiritse ntchito mutatha kugula. Mwachidule, khadi lotero ndi mwayi weniweni wopewa mavuto ambiri m'moyo wamakono wamakono, chifukwa chifukwa chake, simusowa kuti muime mu mizere ndikukhala ndi chinachake chotsimikizira wina.
Mitundu ya makadi a kulipira kubanki.
- Makhadi okonzekera okonzeka amaperekedwa mwamsanga.
- Standard - monga lamulo, amaperekedwa mu ndondomeko ya mapulani a malipiro a mabungwe osiyanasiyana.
- Electronic imakhala ndi ntchito yochepa yokonza.
- Zoonadi: cholinga chawo ndi kugula pa intaneti, ali ndi ndalama zochepetsera.
- Ophatikizana.
- Golide angaperekedwe ngati malipiro, amathandiza kupulumutsa ndalama zambiri.
- Platinum - kwa makasitomala a VIP, wogwiritsa ntchito amalandira mautumiki apamwamba.
Kodi ndimagwiritsa ntchito khadi la debit?
Zina mwa makadi a ngongole ali ndi ntchito monga kuchuluka kwa chidwi pa ndalama. Ndi zophweka kukhazikitsa ntchito yowerengera ndalama pa banki ya nkhumba mukamagula kapena mukalowa ndalama mu akaunti, ndalama zina zimalowa mwamsanga. Mmene mungakwaniritsire khadi la debit - kudzera mu malire a banki yoyenera.
- Ikani khadi la kulipira mu wowerenga khadi.
- Dinani PIN yanu yanu.
- Sankhani pa chinsalucho njira yoti mubwerezere khadiyo ndi kukhalapo kapena nambala.
- Pangani ndalama. Musapange zowonjezereka kuposa momwe odwala amatha kuvomereza panthawiyi.
Ngati palibe makadi omwe muli nawo, osankha njira yomweyo pawindo, monga momwe zilili m'ndime yapitayi, yesani nambala yanu ya khadi lanu, kulowetsani ndalama zomwe mumayenera kuzibweretsera, ndikupanga ndalama. Mukhoza kusuntha ndalama mosavuta kuchoka pa khadi limodzi kupita kwina, pogwiritsa ntchito intaneti kulamulira akaunti yanu. Uwu ndiwo mwayi wa khadi la debit.
Ndikutseka bwanji khadi la debit?
Makhadi a banki amayenera kutsekedwa bwino. Ndondomekoyi imakonzedweratu mwakuti ngakhale tsiku lakumapeto litatha, bungwe likhoza kupitiriza kupereka zopereka zothandizira ndipo motero, munthu amakhala wobwereketsa. Kodi ndithana bwanji khadi la debit?
- Kuyika ku bungwe la banki ndi pempho kuti mutseke akaunti.
- Banki iyenera kupereka chikalata chosonyeza kuti nkhaniyo yatsekedwa.
- Ngati mutasintha malingaliro anu pa kuyamba khadi, njira yosavuta siyikutenga. Malingana ndi lamulo, antchito amasungira makhadi osungidwa kwa miyezi yambiri ndi zikhomo, ndiyeno nkuwawononga.
Kodi khadi la debit limatanthauza chiyani? Mtundu wa ngongole yomwe imapereka ubwino wambiri. Komabe, muyenera kudziwa mosamala ndi zikhalidwe za mabungwe a mabanki polemba ndi kutseka makadi alionse. Kawirikawiri, n'zosavuta kupeza khadi, koma kutseka akaunti pambuyo pake popanda mavuto m'mabungwe ena ndizovuta. Lembani mwatcheru mgwirizanowo ndipo muwone zomwe mukusindikiza, kuti musakhale ndi vuto.