Kodi tonsefe sitisangalala ndi kugula zinthu pamakhadi athu angongole?
Khadi la kingongole limatilola kugula zinthu ndi lonjezo kuti tidzalipira pambuyo pake. Zimatithandiza kuchepetsa ndalama zomwe tili nazo panopa. Komabe, nthawi zina, pamene sitikukondwera ndi kirediti kadi Ndipo tingafune kutseka/kuletsa.
Pali zifukwa zingapo zomwe munthu amafunira kutseka kirediti kadi. Mwina simukufunikanso, kapena simunagwiritsepo ntchito, kapena simukufuna kuyanjana ndi bankiyo tsopano.
Nthawi zina, ndalama zapachaka zokhala ndi khadi zimakhala zambiri, ndipo kugwiritsa ntchito kwake kumakhala kopanda phindu. Chifukwa chingakhalenso chakuti wina sakukondwera ndi ntchito za wopereka kirediti kadi.
Chifukwa chingakhale chilichonse.
Palibe amene angakulepheretseni kutseka kirediti kadi, malinga ngati muli ndi ngongole zonse. Ndi njira yolunjika yotseka kirediti kadi ndipo osabwera ndi zovuta zilizonse.
Ngati mukuganiza kuti zingakhudze bwanji zanu mphambu ngongole - Tili ndi uthenga wabwino kwa inu!
Ngati mutatsatira njira yoyenera yoletsa / kutseka kwa kirediti kadi, sizingawononge ngongole yanu.
Kwa iwo omwe akudabwa kuti ndi chiwongola dzanja chanji, ndikuyimira manambala ndi kusanthula kutengera mafayilo angongole amunthuyo. Imaimira kuyenerera kwa munthu, ndipo ikakhala yapamwamba, imakhala yabwinoko.
Mutha kuyang'ana ngongole yanu pa Webusaiti ya CIBIL.
Kutseka kirediti kadi kumasiyanasiyana ku banki kupita ku banki ndipo zimatengera momwe amatsatira. Komabe, banki iliyonse ili ndi njira yotsekera khadi yomwe munthu angadalire. Pansipa pali njira zomwe mungatsekere kirediti kadi -
1. Imbani chisamaliro chamakasitomala anu:
Pezani nambala yosamalira makasitomala ya banki yanu.
Manambala osamalira makasitomala amapezeka pa intaneti kapena pamapepala, ngati muli nawo. Funsani mkulu wosamalira makasitomala kuti atseke khadi m'dzina lanu mutapereka zonse zofunika.
Woyang'anira kasitomala akhoza kukufunsani chifukwa, choncho onetsetsani kuti mwamupatsanso zimenezo.
Mukamaliza kukambirana, banki idzakonza pempho lanu lotseka khadi lanu mkati mwa maola angapo, masiku, kapena miyezi ingapo, kutengera banki.
2. Lembani pempho lotseka:
Kuti muyankhe mwachangu, mutha kulembanso kalata kwa manejala wa banki. Tchulani tsatanetsatane wa kirediti kadi yanu, monga nambala ya kirediti kadi, dzina la mwini khadi, adiresi, ndi dzina lake.
Onetsetsani kuti simunatchule CVV nambala ya PIN ya khadi lanu, pazifukwa zachitetezo. Adilesi ya positi yotumizira kalatayo ipezeka patsamba lovomerezeka la banki lomwe khadi lanu ndi lake.
Ngati simukupeza pamenepo, mutha kuyimbiranso oyang'anira osamalira makasitomala kuti adziwe zomwezo.
Mukatumiza kalatayo ndi akuluakulu a boma kuilandira, mukhoza kumuimbira foni. Pempholo litatsimikiziridwa, banki ikonza pempho lanu lotseka kirediti kadi.
3. Tumizani pempho la intaneti:
Kuti ntchito yanu ikhale yosavuta, palinso dongosolo loti mupereke pempho la intaneti kuti mutseke khadi.
Pitani patsamba lovomerezeka la banki komwe muli kirediti kadi yanu. Lembani fomu yotseka pamenepo ndikutumiza.
Mmodzi mwa oyang'anira banki adzakuyimbirani kuti mutsimikizire pempholo, ndipo mukatsimikizira, adzayambitsa pempho lanu.
Komabe, si banki iliyonse yomwe imapereka malowa kwa makasitomala ake, choncho onetsetsani kuti mwayang'anatu kupezeka kwa njira iyi.
4. Tumizani Imelo kuti khadi litseke:
Pemphani kuti mutseke khadi lanu la ngongole potumiza imelo yomweyo kwa amene akukupatsani khadi lanu.
Apanso, si banki iliyonse yomwe ingakhale ndi imelo yokha yoperekedwa kuti izi zitheke. Koma omwe amatero, mutha kupeza imelo yodzipatulira kuti mutseke khadi patsamba lawo lovomerezeka.
Imeloyo ikhala ndi zonse zofunikira pa kirediti kadi yanu komanso zambiri zanu zofunika kuti mutseke khadilo.
Pamene mutumiza imelo, pempho lanu lotseka khadi lidzakonzedwa mutamva kuchokera kwa woimira banki kudzera pa imelo kapena kudzera pa foni.
Mutha kusankha chimodzi kapena zingapo mwazomwe zili pamwambapa kuti mukhale osamala kwambiri.
Mukachita zotsatirazi, dikirani kuti khadi lanu litseke. Ikatsekedwa, ndipo ikuwonekera mu lipoti lanu la ngongole, onetsetsani kuti chifukwa chotseka 'chatsekedwa pa pempho la ogula' osati china chilichonse.
Chifukwa china monga 'chotsekedwa popempha wopereka' chingawononge ngongole yathu.
Izi zikangochitika, nawonso, amabwera gawo lomaliza la ndondomekoyi. Kuwononga kirediti kadi! Itulutseni mu shredder kapena mudule tizidutswa ting'onoting'ono ndikutaya.
Komabe, mukangoganiza zotseka kirediti kadi yanu ndipo mwatsala pang'ono kugwiritsa ntchito imodzi mwa njira zomwe tafotokozazi, pali zinthu zingapo zomwe muyenera kukumbukira -
1. Chotsani zonse zomwe mwabweza musanapemphe kuletsa/kutseka kwanu ngongole. Ngati muli ndi ngongole zomwe simunalipidwe, banki silingakwaniritse pempho lanu lotseka.
2. Onetsetsani kuti mukuwerenga za ndondomeko yotseka ndi zilango ngati zilipo. Banki iliyonse ili ndi malamulo osiyanasiyana panjira iliyonse, choncho tsimikizirani ndi banki yanu ngati mudzafunika kulipira ndalama zina kuti mutseke khadi lanu.
3. Gwiritsani ntchito mphotho zomwe mwapeza musanalembe fomu yotseka khadi. Mukalephera kutero, mfundo zanu zonse ndi mphotho zanu zidzathetsedwa. Ngati mukuganiza momwe mungapezere mphotho izi kapena kukhala nazo - tili otsimikiza kuti mutero. Kugula kulikonse komwe mungagule kudzera pa kirediti kadi kumapeza mfundo zomwe mungagwiritse ntchito pambuyo pake.
4. Chotsani zolipirira zanu zonse zodziwikiratu ndi kusamutsidwa pasadakhale. Ngati mupanga pempho lotseka ndikukhala ndi zolipirira zokha, pali kuthekera kuti mudzakulipitsidwa panthawi yolipira.
5. Osalipira chilichonse musanapemphe kutseka. Mukapanga ndalama zatsopano ndikufunsira kutseka kirediti kadi yanu, mabanki amakana pempholo.
6. Tsatirani oimira banki ndikupeza tsiku lenileni lotsekera khadi lanu. Izi zidzatsimikizira kuti simudzalipira ndalama zowonjezera, zolipiritsa, kapena zilango.
7. Nthawi zonse pezani mawu olembedwa kuchokera kwa wopereka kirediti kadi za kutseka kwa khadi lanu. Mwanjira iyi, machitidwe aliwonse achinyengo m'tsogolomu amaletsedwa. Ngakhale wina atakulipirani mwachinyengo pakhadi lanu pambuyo pake, muli ndi umboni wakuti si inu amene munachita zimenezo.
8. Nthawi zonse fufuzani ndondomeko ya ndalama za kirediti kadi yanu musanapemphe kutseka khadi. Mukadziwa ndalama zomaliza, mumapewa kuchita zachinyengo zomwe zingachitike pa khadi lanu.
Kodi kutseka kwa kirediti kadi kungakhudze bwanji chiwongola dzanja chanu?
1. Ndalama zatsika chifukwa chokhala ndi khadi limodzi lochepera m'thumba mwanu:
Mukatseka kirediti kadi, malire anu onse a ngongole amachepa.
Izi zimawonjezera chiwopsezo chogwiritsa ntchito ngongole. Chiŵerengero chogwiritsira ntchito ngongole ndi chiŵerengero chapakati pa malire a ngongole ndi kugwiritsa ntchito ngongole.
Kuwonjezeka kwa chiŵerengerochi kumabweretsa kuchepa kwa ngongole yanu, makamaka ngati kugwiritsidwa ntchito kukupitirira 30% kuposa malire.
2. Mbiri yocheperako yangongole:
Ngati mukufuna kutseka imodzi mwamakhadi anu angongole oyamba omwe anali ndi zochitika zambiri, mbiri yanu yangongole idzachepa.
Izi zitha kapena sizingakhudze kuchuluka kwangongole, kutengera zomwe banki ili nayo.
Mapeto Dziwani:
Chifukwa chake, ngakhale kutseka kwa kirediti kadi yanu sikukhala ndi vuto lililonse pamlingo wanu wangongole, muyenera kukumbukira zinthu zingapo ndikuyamba ntchitoyi mosamala.
Ndi njira yosavuta, ndipo zomwe muyenera kuchita mukangopempha ndikupereka zambiri - ndikudikirira.
Palibe malire enieni a nthawi yoti khadi lanu la ngongole lidzatsekedwe, ndipo zingatenge miyezi ingapo.
Choncho khalani oleza mtima pamene mukutseka khadi lanu, ndipo mwinamwake yang'anani latsopano ngati mukulifuna!
Muyeneranso kuyang'ana mndandanda wathu wa makhadi abwino obweza ngongole ku India.
Ngati muli ndi mafunso, tidziwitseni mu ndemanga.
Siyani Mumakonda