Ukuba nekhadi lesikweletu ngokungangabazeki kuyindlela elula, ekuvumela ukuthi wenze noma yiluphi uhlobo lokuthenga ezitolo ezingokoqobo naku-inthanethi ngaphandle kokuphatha imali, futhi ikunikeza inketho yokukhipha imali kunoma iyiphi i-ATM. Kuzwakala njengethuba okungekho muntu ongaliyeka, kodwa ngaphambi kokubhalisela leli thuluzi lezezimali, kubalulekile ukuqonda ukuthi lihlanganisani, ukhumbula izinhlobo ezahlukene zamakhadi atholakalayo, ukuze ukwazi ukucabangela zonke izinketho bese wenza isinqumo esingcono kakhulu.
Liyini ikhadi lesikweletu?
Ikhadi lesikweletu liyithuluzi lezezimali lapho ibhange likunikeza inani elithile lemali ongalisebenzisa ukuthenga izimpahla nezinsizakalo ezitolo ezingokoqobo kanye naku-inthanethi, ngaphansi kombandela wokuthi ukhokha inani elincane okufanele ulikhokhe ekupheleni kwenyanga, ngokusekelwe ekuthengeni kwakho phakathi nenyanga, ukhokha okusele ngezitolimende. Izinsizakalo eziningi, njengokuqasha izimoto noma ukuhlala ehhotela, zidinga ukuthi ikhadi lesikweletu libhukwe, njengoba libanikeza isivikelo uma kwenzeka umonakalo ekamelweni noma emotweni. Ikhadi lesikweletu liwusizo futhi ekwenzeni zonke izinhlobo zokuthenga ku-inthanethi kanye nokuhlukanisa izinkokhelo zibe izitolimende zanyanga zonke lapho izitolo zinganikezi le nketho.
Kodwa-ke, kubalulekile ukungadidanisi ikhadi lesikweletu nekhadi ledebithi . Ngenkathi ngekhadi lesikweletu ibhange likuboleka imali ethile ukuze uthenge, ngekhadi ledebithi ufaka inani olifunayo kwi-akhawunti, bese ukuthenga kwakho kudonswa ngokuzenzakalelayo kuyo. Umehluko omkhulu ukuthi ikhadi ledebithi lisebenza njengethuluzi lokonga, lapho usebenzisa khona lokho osunakho kakade, kanti ikhadi lesikweletu likunika ukuguquguquka kokuthenga okukhulu futhi ukukhokhe kancane kancane.
Kusho ukuthini ukuba nekhadi lesikweletu?
Akunzima ukuthola ikhadi lesikweletu , kodwa uma usunalo, kufanele ube nomthwalo wemfanelo wokuphatha izimali zakho ukuze ukwazi ukukhokha ngesikhathi. Yilapho ibhizinisi langempela lamakhadi esikweletu lingena khona. Ibhange likunikeza imali mboleko yokwenza ukuthenga okudingayo, ngokushintshanisa ikhomishini encane ekuthengeni ngakunye. Kubalulekile ukwazi ukuthi ukuthenga okuningi okwenziwe ngekhadi lesikweletu kuzokhulisa inzalo, engakhula uma wephuza ukukhokha noma uma ungakhokhi inani elincane okufanele ulikhokhe. Ngale ndlela, ukuthenga okuncane okungakhokhelwa kungaba umthwalo osindayo kakhulu uma ungakuxazululi ngokushesha.
Inzuzo ukuthi uzovame ukuthola amabhange anikeza izinketho ezingenanzalo ekuthengeni kwakho, inqobo nje uma ukhokha ibhalansi yakho ngaphambi kosuku lokuvala. Uma sifunda ukusebenzisa amakhadi esikweletu ngokuhlakanipha, sizothola ukuthi ayithuluzi elingasusa umthwalo emahlombe ethu.
Ziyini izinzuzo zokuba nekhadi lesikweletu?
Inzuzo eyinhloko yokuba nekhadi lesikweletu ukuthi ungazikhokha njalo, ezincane nezinkulu, ngaphandle kokuba zibe umthwalo onzima wezezimali okufanele uwukhokhe ngokushesha. Uma inkinga yakho imayelana nemali engenayo—okungukuthi, unayo imali kodwa kufanele ulinde umholo wakho ukuze ukhokhele izindleko zakho—ngokungangabazeki ikhadi lesikweletu liyindlela efanelekile kakhulu kuwe.
Ngaphezu kwalokho, amabhange ngokuvamile anikeza ukukhushulwa okukhethekile kanye namadili kumakhasimende awo, njengohlelo lwamaphuzu ongalusebenzisa njengesikweletu sokuthenga esikhathini esizayo. Uzothola nokufinyelela ekuthengisweni kwangaphambili kwamakhonsathi nemibukiso, kanye nokukhushulwa okukhethekile kwesizini. Uma ujabulela ukuhamba, ikhadi lesikweletu libalulekile, hhayi nje kuphela ekuqasheni izimoto noma ukuhlala emahhotela, kodwa futhi nasezimweni eziphuthumayo ezifana nokudinga ithikithi eliphuthumayo, ukukhokhela usizo lwezokwelapha, noma enye insizakalo ongayidinga.
Lezi yizo zonke izici ezinhle ezihambisana nokuba nekhadi lesikweletu, futhi ungalijabulela uma nje usebenzisa ikhadi lakho ngendlela efanele, ukhokha okungenani inani elincane elifanele ngosuku oluchazwe kwinkontileka yakho. Ukuze ufunde ngemithwalo yemfanelo ehambisana nokuba nekhadi lesikweletu, qhubeka ufunda lesi sihloko:
Kwenzekani uma ngingakhokhi ikhadi lami lesikweletu ngesikhathi?
Uma umusha ezweni lesikweletu, kubaluleke kakhulu ukuqonda umqondo womlando wesikweletu. Njalo uma uthola umkhiqizo wezezimali ohilela umugqa wesikweletu (okungukuthi, ikhadi lesikweletu, imali mboleko yomuntu siqu, noma imali mboleko yendlu), umlando wakho wesikweletu uhlolwa ngokusekelwe endleleni okhokhe ngayo imali mboleko. Lokhu kufaka phakathi ukuthi ukhokhe ngesikhathi, ukuthi ukhokhe inani eliphelele, ukuthi ukhokhe inzalo kanye nezimali, ukuthi udlule umkhawulo wakho wesikweletu, nokuthi uwusebenzise ngokunesibopho yini.
Lonke lolu lwazi luyingxenye yomlando wakho wesikweletu , futhi uma ufaka isicelo sanoma yiluphi uhlobo lwemali mboleko, izinkampani zizoyibuyekeza futhi, ngokusekelwe kulokhu, zinqume ukuthi ziyayinikeza noma cha, noma ngaphansi kwaziphi izimo nemibandela ezizoyinikeza. Uma unomlando omuhle wesikweletu, uzonikezwa amazinga enzalo akhethekile kanye nezinketho ezingcono zezimali, kuyilapho abantu abanomlando omubi wesikweletu bezothola kunzima kakhulu ngisho nokuthola izicelo zabo zivunyelwe.
Njengokungathi lokho bekunganele, ukubambezeleka kokukhokha isikweletu sakho kuzodala inzalo usuku nosuku izokwanda, kube nzima ukukhokha. Kungakho ngaphambi kokuqasha ikhadi lesikweletu kufanele wazi kahle umthwalo olimelelayo, futhi uma ungenakho ukuphepha okuphelele ukuthi yilokho okudingayo nokuthi ungathobela zonke izinkokhelo ngesikhathi esifanele. Kungcono ukuthi ubheke enye insimbi yezezimali ukuphatha imali yakho.
Ngazi kanjani ukuthi ngililungele ikhadi lesikweletu?
Kuyiqiniso ukuthi akuwona wonke umuntu okulungele ngokwezimali ukuba nekhadi lesikweletu, ngisho nalabo abavame ukungabi nolwazi oludingekayo lokuphathwa kwezezimali ngendlela efanele. Uma ufuna ukufaka isicelo sekhadi lesikweletu, sincoma ukuthi ube nephrofayili elandelayo:
- Ukuba umuntu omdala onemali engenayo engaguquguquki ekhokhwa njalo ngenyanga ukukhokhela zonke izidingo zakho eziyisisekelo nokuningi.
- Zijwayeze ukwenza izinkokhelo ngesikhathi.
- Wake waphatha ikhadi lasebhange.
- Ukufinyelela ku-smart phone ukuze ukwazi ukuthola izaziso futhi ube nesitatimende se-akhawunti ngaso sonke isikhathi.
- Jwayela uhlelo lokukhokha lwasebhange futhi uke wakhokha ngaphambilini.
- Yiba nesabelomali esisungulwe nyangazonke futhi wazi kahle ukuthi utshala kuphi noma usebenzise imali yakho kuphi.
Uma ukhomba ngezici esazichaza phambilini, ungumuntu ofanele ukufaka isicelo sekhadi lesikweletu. Sizokutshela ukuthi ukwenze kanjani ngokushesha.
Ungayisayina kanjani ikhadi lesikweletu?
Ukuze ufake isicelo sekhadi lesikweletu, kuzodingeka uvakashele ibhange olithandayo bese uletha amadokhumenti adingekayo. Kuzodingeka ugcwalise isicelo, esizobuyekezwa ngokusekelwe emlandweni wakho wesikweletu. Uma ungenalo, izici ezifana nomholo wakho, ubudala, kanye nobude bomsebenzi zizocatshangelwa. Ngokusekelwe kulolu lwazi, uzonikezwa umkhawulo wesikweletu wekhadi lakho, futhi ungaqala ukulisebenzisa ekuthengeni kwansuku zonke.
Enye inzuzo ukuthi amabhange amaningi anikeza inketho yokuqedela iningi lenqubo ku-inthanethi , ngakho-ke cishe uzothola indlela yokuthola ikhadi lakho usekhaya lakho. Kuzo zombili izimo, amadokhumenti adingekayo ngokuvamile alandelayo:
- Ubunikazi obusemthethweni (i-DNI noma i-NIF)
- Ubufakazi bemali engenayo yenyanga.
- I-akhawunti yasebhange edonswa imali uma unayo.
- Umakhalekhukhwini
- Ikheli leposi noma ele-elektroniki lapho ungathola khona izitatimende ze-akhawunti yakho.
Kubaluleke kakhulu ukuthi uma ubhalisela ikhadi lakho lesikweletu , uchaze ngokucacile usuku lomjikelezo wokukhokha, okuyilapho umjikelezo omusha wanyanga zonke wokuthenga kwakho uqala khona. Njalo qiniseka ukuthi uchaza ngokucacile usuku lokukhokha, ngoba uma ungakhokhi ngesikhathi, njengoba sishilo ngaphambili, uzobe ubhekene nenzalo kanye nezimali ezengeziwe. Landela lawa macebiso futhi uzothola ukuthi ikhadi lesikweletu liyithuluzi elingcono kakhulu lokuphatha izimali zakho.