Mazana emakore ekutungamira kwekombiyuta uye yakagadzirwa kwenyika yebhengi yakagara ichipa vashandi vayo zvinhu zvakawanda zvakasiyana-siyana nemamapu. Mune izvi zvakasiyana-siyana zviri nyore uye zvinokanganisa, asi zvakadaro zvimwe zvezvidzidzo zvinofanira kuzivikanwa. Kunyatsopindura mubvunzo iwoyo, chii chinonzi debit card chinogona, kufungidzira kunze kwehu nuances.
Ko kadi yebhengi yebhengi chii?
Kadhi rekubhadhara rebhangi rinokubvumira kuti uite mitero yakasiyana-siyana uye kubhadhara mabhizinesi mukati memari iri muakaunti yayo - ndizvo zvinoreva kadhi yebhadharo. Chinhu chaicho chaicho ndechokuti mutengi anoshandisa mari yake chete. Iwe unogona kutanga kadhi rakadaro pazera remakore gumi namana. Izvi hazvirevi chikwereti chemari uye mamwe magwaro akafanana.
Ndechipi musiyano pakati pekadhi yebhadharo uye kadhi rechikwereti?
Izvo hazvina zviratidzo zvekunze zvekunze uye mabheji ose ebhangi anotarisa zvakafanana. Mhando dzose idzi chimbo chekubhadhara. Kusiyana pakati pekadhi yebhadharo uye kadhi rechikwereti:
- Zvinokubvumira kuti ushandise nzira dzako chete;
- kazhinji mabhangi anopa rubatsiro rwekuverenga chidimbu pane imwe sarari pamagumo emwedzi pane kadhi yebhadharo.
Ko kadi yebhadhiro chii? Kadhi rechikwereti rine mari yesangano rebhangi, iro mutengi ane kodzero yekushandisa mune mamwe mamiriro ezvinhu, ndokubva avadzosa zvakare pamakadhi, kungobhadhara chikwereti chekushandisa mari yechikwereti. Uyewo, pamitengo yekwereti, miganhu inogadzirirwa kubvisa mari. Pane kadhi yebhanga, hapana mamiro akadaro.
Ndechipi musiyano pakati pekadhi yebhadharo uye kadhi rinodhura?
Kune rumwe rudzi rwekadhi, sekadhi yebhadharo ine overdraft . Panguva iyo mari yako inowanikwa kuti ishandiswe pakadhi yekubhadhara, kadhi rine overdraft inokubvumira kutenga mari yechikwereti. Haudi chinhu chimwezve. Mari yakakweretwa mune imwe nzvimbo (iyi nhaurirano inokurukurwa panguva yekunyora) uye saizvozvo iri pamakadhi.
Kubatsira uye kukanganisa kwemadhikiti ekubvisa
Mari dzekubhadhara dzinowanzowedzerwa kupfuura makadhikiti. Pakati pezvinyorwa zvandinoda kuziva kuti kubvisa mari kunoreva chikamu. Kana ukashandisa mari yakawandisa, ipapo chikwata chekufarira chichave chakakwirira. Zvinyorwa zvekadhi redhibititi:
- kugadzikana kusingagumi mune chero chengoro;
- kubhadharwa kwemashumiro kuburikidza neIndaneti mabhizimusi kana mabhedheni emabhangi
- Haufaniri kutakura bhegi rakakura, iwe unogona kungotora "chitete" chiduku chepurasitiki;
- nzira yakachengeteka yekuchengeta mari.
Panewo mukana wekuita mabhizinesi pasina kubva pamba, kuita shanduko yemari. Mabhizinesi ekufambisa foni - hapana chikonzero chekumira uye kufunga kuti mari yakawanda sei pakadhi, iwe unogona kuita zvishoma kuti uende uye uuye SMS nemari yakawanda inodhura pamakadhi. Kodzero yekushandisa izwi rinopfuura rekurenda rinoreva kuti haufaniri kutora chikwereti chakawedzerwa.
Mhando dze debit kadi
Nheyo huru yebhangi yebhangi isadhi yebhandi. Paunenge uchiverenga kadi yakadai yekubhadhara mune imwe nzvimbo dzezvitoro, unogamuchira mabhonasi, zvaunogona kushandisa zvakare mushure mokutenga. Mukutaura kwakajeka, kadhi rakadaro mukana chaiwo wekudzivisa matambudziko mazhinji muhupenyu hwemazuva ano, nokuti nokuda kwahwo, haufaniri kumira mumitsetse uye une chimwe chinhu chinoratidza kune mumwe munhu.
Mhando dzebhengi kubhadhara makadhi.
- Kadhi yakagadzirirwa yakagadzirwa yakabudiswa pakarepo.
- Mutemo - sekutonga, unopiwa kunze kwekugadzirisa mishonga yemari yemasangano akasiyana-siyana.
- Kodhidhiyo ine minimum commission yekuchengetedza.
- Virtual: chinangwa chavo ndechekutenga paIndaneti, vane mari shoma yekugadzirisa.
- Kubatana.
- Ndarama inogona kubudiswa sehomwe, inobatsira kuchengetedza mari yakawanda.
- Platinum - yevashandi veVIP, mutengi anogamuchira huwandu hwemashumiro.
Ndinoshandisa sei kadhi debit?
Mamwe emakadhi okubhadhara ane basa rakadai sokuwedzera kwechido pamari yemari. Zviri nyore kugadzirisa basa rekuverenga mari pahombekombe yenguruve apo iwe unotenga kana paunopinda mari munyaya, imwe chiyero inopinda mairi. Nzira yekuzadzikisa kadhi yebhadharo - kuburikidza nekugumira kwebhangi rinobatana.
- Isa kadhi rokubhadhara muverengi wekadhi.
- Dhonza PIN yako code.
- Sarudza pahwindo racho sarudzo yekudzorera kadhi nekuvapo kana nenhamba.
- Ita mari. Iwe haufaniri kuita mamwe manotsi kupfuura wekuguma anogona kugamuchira panguva ino.
Kana pasina makadhi anewe, kusarudza chinhu chimwe chete pachikona seyendima yakapfuura, kudhinda nhamba yako yekadhi yekadhi, kupinda muwandu waunoda kuzadza, nekuita mari. Iwe unogona kutamisa mari kubva pane imwe kadhi kuenda kune imwe, uchishandisa kutarisa paIndaneti yekodha yako yega. Ichi ndicho chakanaka chekadhi yebhadharo.
Ndinovhara sei kadhi yemari?
Makadhi emabhanki anofanira kuvharwa zvakanaka. Sangano iri rakarongedzwa nenzira yakadaro kunyange kana zuva rokupera rapera, sangano rinogona kuramba richipa rubatsiro rwakabhadharwa uye somugumisiro, munhu anova ane chikwereti. Ndingabvisa sei kadhi yebhengi?
- Kushandisa kubhizinesi rebhangi nechikumbiro chekuvhara account.
- Bhizinesi rinofanira kupa chibvumirano chinoreva kuti nhoroondo yakavharwa.
- Kana ukashandura pfungwa yako pamusoro pekutanga kadhi, nzira yakanakisisa haisi kuitora. Maererano nemutemo, vashandi vanochengetedza makadhi akachengetwa kwemwedzi inoverengeka nemapini, ndokubva avaparadza.
Ko kadi yekutengesa inorevei? Rudzi rwechikwama chinopa huwandu hunobatsira. Zvisinei, iwe unoda kunyatsozviziva nemitemo yemabhengi ekubvisa nekuvhara makadhi chero ipi zvayo. Kazhinji, zviri nyore kuwana kadhi, asi kuvhura account gare gare pasina zvinetso mune dzimwe nzvimbo zvinonetsa. Nyatsoverenga chibvumirano uye ona zvaunosayina, kuitira kuti usaguma mumamiriro ezvinhu asingafadzi.