Ingabe sonke asikujabuleli ukuthenga emakhadini ethu esikweletu?
Ikhadi lesikweletu lisivumela ukuthi sithenge imikhiqizo ngesithembiso sokukhokha kamuva. Kusisiza ukuthi sehlise umthwalo wamanje wezinkokhelo. Nokho, ngezinye izikhathi, lapho singajabule ngekhadi lesikweletu Futhi singase sifune ukulivala/ukulikhansela.
Kunezizathu ezimbalwa zokuthi kungani umuntu efisa ukuvala ikhadi lakhe lesikweletu. Mhlawumbe awusayidingi, noma awukaze uyisebenzise kanjalo, noma awufuni ukuzihlanganisa nebhange elithile manje.
Kwesinye isikhathi, izindleko zonyaka zokubamba ikhadi ziningi kakhulu, futhi ukusetshenziswa akunalutho uma kuqhathaniswa. Isizathu futhi kungaba ukuthi umuntu akajabule ngezinsizakalo zomhlinzeki wekhadi lesikweletu.
Isizathu singaba yisiphi.
Akekho ongakuvimba ukuthi uvale ikhadi lakho lesikweletu, inqobo nje uma ususuliwe zonke izimali ezifunekayo. Kuyinqubo eqondile ngokunengqondo ukuvala ikhadi lesikweletu futhi ungezi nanoma yiziphi izinkinga.
Uma uzibuza ukuthi kuzoba namuphi umthelela empilweni yakho isikolo sesikweletu – sikuphathele izindaba ezinhle!
Uma ulandela inqubo efanele yokukhansela/yokuvalwa kwekhadi lesikweletu, ngeke kube nomthelela omubi kumphumela wakho wesikweletu.
Kulabo abazibuzayo ukuthi yimaphi amaphuzu esikweletu, ukumelwa kwezinombolo kanye nokuhlaziywa okusekelwe kumafayela esikweletu omuntu. Imele ukufaneleka komuntu, futhi uma iphakeme, iba ngcono.
Ungahlola isikolo sakho sesikweletu ku- Iwebhusayithi ye-CIBIL.
Ukuvala ikhadi lesikweletu kuyahlukahluka ebhange nebhange futhi kuya ngenqubo ethize abayilandelayo. Nokho, ibhange ngalinye linohlelo olujwayelekile lokuvala ikhadi umuntu athembele kulo. Ngezansi izindlela zokuthi ungavala kanjani ikhadi lakho lesikweletu -
1. Shayela ukunakekelwa kwamakhasimende akho:
Thola inombolo yokunakekelwa kwekhasimende yebhange lakho.
Izinombolo zokunakekelwa kwamakhasimende ziyatholakala ku-inthanethi noma kumadokhumenti, uma unazo. Cela umphathi wokunakekelwa kwamakhasimende ukuthi avale ikhadi egameni lakho ngemuva kokukunikeza yonke imininingwane edingekayo.
Umphathi wokunakekelwa kwamakhasimende angase akubuze isizathu, ngakho qiniseka ukuthi umnikeze lokho futhi.
Ngemva kwengxoxo, ibhange lizocubungula isicelo sakho sokuvala ikhadi lakho phakathi namahora ambalwa, izinsuku, noma ngisho nezinyanga, kuye ngebhange.
2. Thumela isicelo sokuvala ngokubhala:
Ukuze uthole impendulo esheshayo, ungabhalela nomphathi webhange incwadi. Yisho imininingwane ebalulekile yekhadi lakho lesikweletu, njengenombolo yekhadi lesikweletu, igama lomnikazi wekhadi, ikheli, kanye nolwazi lokuxhumana.
Qinisekisa ukuthi awuyisho inombolo ye-PIN yekhadi lakho, ngezizathu zokuphepha. Ikheli leposi ozothumela kulo incwadi lizotholakala kuwebhusayithi esemthethweni yebhange ikhadi lakho elingelalo.
Uma ungayitholi lapho, ungashayela nabaphathi bokunakekelwa kwamakhasimende ukuze bazi okufanayo.
Ngemva kokuthumela incwadi futhi iziphathimandla zayithola, ungase uthole ucingo kubo. Njengoba isicelo siqinisekiswa, ibhange lizocubungula isicelo sakho sokuvala ikhadi lesikweletu.
3. Thumela isicelo ku-inthanethi:
Ukuze wenze umsebenzi wakho ube lula, kukhona futhi ilungiselelo lokuhambisa isicelo ku-inthanethi sokuvala ikhadi.
Vakashela iwebhusayithi esemthethweni yebhange okuhlala kulo ikhadi lakho lesikweletu. Gcwalisa ifomu lokuvala lapho bese ulithumela.
Omunye wabaphathi bebhange uzokushayela ucingo ukuze uqinisekise isicelo, futhi ngemva kokuqinisekiswa, bazoqalisa isicelo sakho.
Nokho, akulona ibhange ngalinye elinikeza lesi sikhungo kumakhasimende alo, ngakho qiniseka ukuthi uhlola ukutholakala kwale ndlela kusengaphambili.
4. Thumela i-E-mail mayelana nokuvalwa kwekhadi:
Phakamisa isicelo sokuvala ikhadi lakho lesikweletu ngokuthumela i-imeyili efanayo kumkhiphi wekhadi lakho.
Futhi, akuwona wonke amabhange angase abe ne-imeyili egxile kule njongo kuphela. Kodwa labo abakwenzayo, ungathola ikheli le-imeyili elizinikele lokuvalwa kwekhadi kuwebhusayithi yabo esemthethweni.
I-imeyili izoba nayo yonke imininingwane edingekayo yekhadi lakho lesikweletu kanye nemininingwane yakho yomuntu siqu edingekayo ukuze uvale ikhadi.
Njengoba futhi uma uthumela i-imeyili, isicelo sakho sokuvala ikhadi sizocutshungulwa ngemva kokuzwa komele ibhange nge-imeyili noma ngocingo.
Ungakhetha isinyathelo esisodwa noma ngaphezulu kulezi ezingenhla ukuze uqaphe kakhulu.
Uma wenze lokhu okulandelayo, linda ukuvalwa kwekhadi lakho. Uma isivaliwe, futhi ibonakala embikweni wakho wesikweletu, qiniseka ukuthi isizathu sokuvalwa 'sivaliwe ngesicelo somthengi' hhayi okunye.
Isizathu esihlukile njengokuthi 'kuvalwe ngesicelo somnikezi' singalimaza isikolo sethu sekhredithi.
Ngokushesha lapho lesi sinyathelo senziwe, futhi, kufika isinyathelo sokugcina senqubo. Bhubhisa ikhadi lakho lesikweletu! Kukhiphe ube yi-shredder noma usike ube yizicucu ezincane bese usilahla.
Nokho, uma usunqume ukuvala ikhadi lakho lesikweletu futhi usuzosebenzisa enye yezindlela ezishiwo ngenhla, kunezinto ezimbalwa okudingeka uzikhumbule -
1. Sula zonke izimali ozikweletayo ngaphambi kokwenza isicelo sokukhansela/sokuvalwa kwesicelo sakho credit card. Uma unezikweletu ezingakhokhiwe, ibhange ngeke lisebenze isicelo sakho sokuvala.
2. Qinisekisa ukuthi ufunda ngenqubo yokuvala kanye nezijeziso uma zikhona. Ibhange ngalinye linesethi yemithetho ehlukile yenqubo ngayinye, ngakho qinisekisa nebhange lakho ukuthi kuzodingeka uthwale noma yiziphi izindleko ezengeziwe ukuze uvale ikhadi lakho.
3. Sebenzisa imiklomelo/amaphuzu asele ngaphambi kokufaka isicelo sokuvalwa kwekhadi. Uma wehluleka ukwenza njalo, wonke amaphuzu akho akhona kanye nemiklomelo izokhanselwa. Uma uzibuza ukuthi uyithola kanjani le miklomelo noma ube nayo - siyaqiniseka ukuthi uyayithola. Konke ukuthenga okwenzayo ngekhadi lesikweletu kuvuna amaphuzu ongawasebenzisa kamuva.
4. Khansela zonke izinkokhelo zakho zebhili ezizenzakalelayo kanye nokudluliselwa kusengaphambili. Uma wenza isicelo sokuvala futhi unezinkokhelo ezizenzakalelayo eziqondaniswe, kungenzeka ukuthi uzokhokhiswa inhlawulo ngesikhathi sokukhokha.
5. Ungenzi noma yiziphi izinkokhelo ngaphambi nje kwesicelo sokuvala. Uma wenza inkokhelo entsha futhi ufaka isicelo sokuvala ikhadi lakho lesikweletu, amabhange asenqaba isicelo.
6. Landela abamele ibhange futhi uthole usuku oluqondile lokuvalwa kwekhadi lakho. Lokhu kuzoqinisekisa ukuthi ngeke ukhokhe imali eyengeziwe, izinkokhiso, noma izinhlawulo.
7. Njalo thola isitatimende esibhaliwe esivela kumkhiphi wekhadi lesikweletu mayelana nokuvalwa kwekhadi lakho. Ngale ndlela, noma yiziphi izenzo zokukhwabanisa esikhathini esizayo ziyavinjelwa. Ngisho noma othile enza inkokhelo yomgunyathi ekhadini lakho kamuva, unobufakazi bokuthi akuwena okwenzile.
8. Njalo hlola isitatimende sebhalansi yekhadi lakho lesikweletu ngaphambi kokufaka isicelo sokuvalwa kwekhadi. Uma uqaphela ibhalansi yokugcina, ugwema noma yikuphi ukuthengiselana okuwumgunyathi okungenzeka ekhadini lakho.
Ukuvala ikhadi lakho lesikweletu kuzobathinta kanjani amaphuzu akho esikweletu?
1. Izikolo ezehlisiwe zezikweletu ngenxa yekhadi elilodwa elincane ephaketheni lakho:
Uma uvala ikhadi lesikweletu, umkhawulo wakho wesikweletu uyancipha.
Lokhu kwandisa isilinganiso sokusetshenziswa kwekhredithi. Isilinganiso sokusetshenziswa kwekhredithi isilinganiso phakathi komkhawulo wesikweletu kanye nokusetshenziswa kwekhredithi.
Ukwenyuka kwalesi silinganiso kuholela ekwehleni kwamaphuzu akho esikweletu, ikakhulukazi uma ukusetshenziswa kwenyuka ngo-30% ngaphezu komkhawulo.
2. Umlando wesikweletu owehlisiwe:
Uma uhlela ukuvala elinye lamakhadi akho okuthenga ngesikweletu okuqala anemisebenzi eminingi, ubude bomlando wakho wesikweletu buzokwehla.
Lokhu kungase kube nomthelela noma kungenzeki kumphumela wakho wesikweletu, kuye ngemigomo nemibandela yebhange.
I-EndNote:
Ngakho-ke, ngisho noma ukuvalwa kwekhadi lakho lesikweletu kungenawo umthelela omkhulu kumaphuzu akho esikweletu, udinga ukugcina izinto ezimbalwa engqondweni futhi uqale inqubo ngokucophelela.
Kuyindlela elula, futhi okumele ukwenze uma usufake isicelo futhi unikeza imininingwane - ukulinda.
Awukho umkhawulo wesikhathi othize wokuthi ikhadi lakho lesikweletu lizovalwa nini, futhi kungathatha izinyanga.
Ngakho-ke yiba nesineke njengoba uvala ikhadi lakho, futhi mhlawumbe ubheke elisha uma ulidinga!
Kufanele futhi uhlole uhlu lwethu lwe amakhadi wesikweletu angcono kakhulu e-India.
Uma unemibuzo, sazise kumazwana.
shiya impendulo