Ngaba asonwabeli sonke ukuthenga kumakhadi ethu okuthenga ngetyala?
Ikhadi letyala lisivumela ukuba sithenge iimveliso ngesithembiso sokuhlawula kamva. Isinceda ukuba sinciphise umthwalo okhoyo weentlawulo. Nangona kunjalo, ngamanye amaxesha, xa singonwabanga ngekhadi letyala Kwaye sinokufuna ukulivala/ukulirhoxisa.
Kukho izizathu ezininzi zokuba umntu anqwenele ukuvala ikhadi lakhe letyala. Mhlawumbi awusayifuni, okanye awuzange uyisebenzise ngolo hlobo, okanye awufuni kunxulumana nebhanki ethile ngoku.
Ngamanye amaxesha, iifizi zonyaka zokubamba ikhadi zininzi kakhulu, kwaye ukusetyenziswa akukho nto ngokuthelekisayo. Isizathu sinokuba kukuba umntu akonelisekanga ngeenkonzo zomboneleli wekhadi letyala.
Isizathu sinokuba nayiphi na.
Akukho mntu unokukunqanda ekuvaleni ikhadi lakho lokuthenga ngetyala, ngaphandle kokuba zonke iintlawulo zisusiwe. Yinkqubo ecacileyo ecacileyo ukuvala ikhadi letyala kwaye ungezi nazo naziphi na iingxaki.
Ukuba uyazibuza ukuba ingaba yintoni impembelelo enokuba nayo kuwe amanqaku etyala – sikuphathele iindaba ezimnandi!
Ukuba ulandela inkqubo echanekileyo yokurhoxisa / yokuvala ikhadi letyala, ayizukuchaphazela kakubi amanqaku akho.
Kwabo bazibuzayo ukuba yintoni inqaku lekhredithi, kukubonakaliswa kwamanani kunye nohlalutyo olusekelwe kwiifayile zekhredithi zomntu. Imele ukufaneleka komntu, kwaye okukhona iphezulu, ingcono.
Ungajonga amanqaku akho ekhredithi apha Iwebhusayithi yeCIBIL.
Ukuvala ikhadi letyala kuyahluka ukusuka kwibhanki ukuya kwibhanki kwaye kuxhomekeke kwinkqubo ethile abayilandelayo. Nangona kunjalo, ibhanki nganye inenkqubo yegeneric yokuvala ikhadi umntu anokuxhomekeka kulo. Apha ngezantsi kukho iindlela zokuvala ikhadi lakho letyala –
1. Fowunela ukhathalelo lwabathengi bakho:
Fumana inombolo yokhathalelo lwabathengi bebhanki yakho.
Iinombolo zokhathalelo lwabathengi ziyafumaneka nokuba kwi-intanethi okanye kumaxwebhu, ukuba unayo. Cela umphathi wokhathalelo lwabathengi ukuba avale ikhadi egameni lakho emva kokunika zonke iinkcukacha eziyimfuneko.
Umphathi wokhathalelo lwabathengi unokukubuza ngesizathu, ke qiniseka ukuba uyambonelela nangaloo nto.
Emva kwencoko, ibhanki iya kuqhuba isicelo sakho sokuvala ikhadi lakho kwiiyure ezimbalwa, iintsuku, okanye iinyanga, kuxhomekeke kwibhanki.
2. Ngenisa isicelo sokuvala ngembalelwano:
Ukuze ufumane impendulo ekhawulezileyo, unokubhalela nomphathi webhanki ileta. Khankanya iinkcukacha ezibalulekileyo zekhadi lakho letyala, njengenombolo yekhadi lokuthenga ngetyala, igama lomnini wekhadi, idilesi, kunye neenkcukacha zoqhagamshelwano.
Qinisekisa ukuba awuyikhankanyi inombolo ye-CVV yekhadi lakho, ngenxa yezizathu zokhuseleko. Idilesi yeposi oza kuthunyelwa kuyo ileta iya kufumaneka kwiwebhusayithi esemthethweni yebhanki elilelakhadi lakho.
Ukuba awuyifumani apho, unokufowunela abaphathi bokhathalelo lwabathengi ukuba bazi okufanayo.
Emva kokuba uyithumele loo leta nabasemagunyeni beyifumene, unokutsalelwa umnxeba. Njengoko isicelo siqinisekisiwe, ibhanki iya kuqhuba isicelo sakho sokuvalwa kwekhadi letyala.
3. Ngenisa isicelo kwi-intanethi:
Ukwenza umsebenzi wakho ube lula, kukho ilungiselelo lokungenisa isicelo se-intanethi sokuvala ikhadi.
Ndwendwela iwebhusayithi esemthethweni yebhanki elikuyo ikhadi lakho letyala. Gcwalisa ifom yokuvala apho kwaye uyingenise.
Omnye wabaphathi bebhanki uya kukubiza ukuba uqinisekise isicelo, kwaye emva kokuqinisekiswa, baya kuqalisa isicelo sakho.
Nangona kunjalo, ayizizo zonke iibhanki ezibonelela ngesi sibonelelo kubathengi bayo, ke qiniseka ukuba ujonga ubukho bale ndlela kwangaphambili.
4. Thumela i-imeyile malunga nokuvalwa kwekhadi:
Phakamisa isicelo sokuvala ikhadi lakho letyala ngokuthumela i-imeyile efanayo kumniki wekhadi lakho.
Kwakhona, ayizizo zonke iibhanki ezinokuba ne-imeyile ezinikele kuphela kule njongo. Kodwa abo benzayo, unokufumana idilesi ye-imeyile ezinikeleyo yokuvalwa kwekhadi kwiwebhusayithi yabo esemthethweni.
I-imeyile iya kuba nazo zonke iinkcukacha eziyimfuneko zekhadi lakho letyala kunye neenkcukacha zakho zobuqu ezifunekayo ukuvala ikhadi.
Njengoko kwaye xa uthumela i-imeyile, isicelo sakho sokuvala ikhadi siya kuqwalaselwa emva kokuba uve kummeli webhanki mhlawumbi nge-imeyile okanye ngomnxeba.
Ungakhetha nokuba libe linye okanye ngaphezulu kula manyathelo angentla ukuba ulumke kakhulu.
Nje ukuba wenze oku kulandelayo, linda ukuvalwa kwekhadi lakho. Nje ukuba ivaliwe, kwaye ibonisa kwingxelo yakho yekhredithi, qiniseka ukuba isizathu sokuvalwa 'sivaliwe ngesicelo somthengi' kwaye akukho nto yimbi.
Isizathu esahlukileyo 'njengesivaliweyo ngesicelo somnikeli' sisenokwenzakalisa amanqaku ethu ekhredithi.
Ngokukhawuleza ukuba eli nyathelo lenziwe, kwakhona, lifika inyathelo lokugqibela lenkqubo. Tshabalalisa ikhadi lakho letyala! Yikhuphe kwi-shredder okanye uyinqumle ibe ngamaqhekeza amancinci kwaye uyilahle.
Nangona kunjalo, xa uthatha isigqibo sokuvala ikhadi lakho letyala kwaye sele uza kusebenzisa enye yezi ndlela zichazwe ngasentla, kukho izinto ezimbalwa ekufuneka uzigcine engqondweni -
1. Cima onke amatyala akho phambi kokuba wenze isicelo sokurhoxisa/sokuvalwa kwetyala lakho ikhadi lamatyala. Ukuba unemirhumo engekahlawulwa, ibhanki ayisayi kuqhuba isicelo sakho sokuvala.
2. Qinisekisa ukuba ufunda ngenkqubo yokuvala kunye nezohlwayo ukuba zikhona. Ibhanki nganye ineseti yemithetho eyahlukileyo kwinkqubo nganye, ngoko ke qinisekisa ngebhanki yakho ukuba kuya kufuneka uthwale naziphi na iindleko ezongezelelweyo ukuze uvale ikhadi lakho.
3. Sebenzisa amabhaso angekahlawulwa/amanqaku phambi kokuba ufake isicelo sokuvalwa kwekhadi. Ukuba uyasilela ukwenza njalo, onke amanqaku akho asele ekhona kunye nemivuzo iya kucinywa. Ukuba uyazibuza ukuba ungayifumana njani le mivuzo okanye unayo nayiphi na - siqinisekile ukuba uyayenza. Yonke into oyithengayo ngekhadi letyala ifumana amanqaku onokuwasebenzisa kamva.
4. Rhoxisa zonke iintlawulo zakho zebhili ezizenzekelayo kunye nokudluliselwa kwangaphambili. Ukuba wenza isicelo sokuvala kwaye uneentlawulo ezizenzekelayo ezihambelanayo, kukho ithuba lokuba uya kuhlawuliswa ngexesha lokuhlawula.
5. Musa ukwenza naziphi na iintlawulo kanye phambi kwesicelo sokuvala. Xa usenza intlawulo entsha kwaye ufake isicelo sokuvala ikhadi lakho letyala, iibhanki ziyasikhaba eso sicelo.
6. Landela abameli bebhanki uze ufumane umhla ochanekileyo wokuvalwa kwekhadi lakho. Oku kuya kuqinisekisa ukuba awuyi kuhlawula nayiphi na imali eyongezelelweyo, iintlawulo, okanye izohlwayo.
7. Soloko ufumana ingxelo ebhaliweyo kumniki wekhadi letyala malunga nokuvalwa kwekhadi lakho. Ngale ndlela, naziphi na izenzo zobuqhophololo kwixesha elizayo ziyathintelwa. Nokuba umntu wenza intlawulo yobuqhophololo kwikhadi lakho kamva, unabo ubungqina bokuba ayinguwe oyenzileyo.
8. Soloko ujonga isteyitimenti sebhalansi yekhadi lakho letyala phambi kokufaka isicelo sokuvalwa kwekhadi. Xa usazi ibhalansi yokugqibela, uphepha naziphi na iintengiselwano ezinobuqhophololo ezinokuthi zenzeke kwikhadi lakho.
Ukuvala ikhadi lakho letyala kuyakuchaphazela njani amanqaku akho?
1. Amanqaku ekhredithi athotyiweyo ngenxa yekhadi elinye elingaphantsi epokothweni yakho:
Xa uvala ikhadi lekhredithi, umda wakho wekhredithi uyancipha.
Oku kwandisa umlinganiselo wokusetyenziswa kwamatyala. Umlinganiselo wokusetyenziswa kwetyala ngumlinganiselo phakathi komlinganiselo wetyala kunye nokusetyenziswa kwetyala.
Ukunyuka kolu mlinganiselo kukhokelela ekwehleni kwamanqaku akho okuthenga ngetyala, ngakumbi ukuba ukusetyenziswa kudlula ngama-30% ngaphezulu komda.
2. Imbali encitshisiweyo yekhredithi:
Ukuba uceba ukuvala ikhadi lakho letyala lokuqala elinentengiselwano eninzi, ubude bembali yakho yetyala buya kuncipha.
Oku kunokuba nefuthe okanye kunganefuthe kwinqaku lakho letyala, ngokuxhomekeke kwimigaqo nemiqathango yebhanki.
I-EndNote:
Ngoko ke, nokuba ukuvalwa kwekhadi lakho letyala akunampembelelo enkulu kumanqaku akho etyala, kufuneka ugcine izinto ezimbalwa engqondweni kwaye uqalise inkqubo ngononophelo.
Yindlela esebenza nzima, kwaye konke ekufuneka uyenzile nje ukuba wenze isicelo kwaye unike iinkcukacha - kukulinda.
Akukho xesha libekiweyo lokuba ikhadi lakho lokuthenga ngetyala liza kuvalwa nini, kwaye kunokuthatha iinyanga.
Ke yiba nomonde njengoko uvala ikhadi lakho, kwaye mhlawumbi ujonge elitsha ukuba uyalifuna!
Kuya kufuneka kwakhona ujonge uluhlu lwethu lwe awona makhadi okubuyisela imali eIndiya.
Ukuba unayo nayiphi na imibuzo, sazise kwizimvo.
Shiya iMpendulo