Lapho siseBhange lethu futhi siphakamisa (noma sesiqinisekisiwe) ukuthi usenzele ikhadi lokukhokha, kuphakama umbuzo: ukudonswa kwemali noma isikweletu.
Uyini umehluko phakathi kwabo? Ngokuyinhloko ngekhadi lasebhange inkokhelo ye-akhawunti iqondile. Endabeni yesikweletu, kuyindlela yokuxhasa ngemali futhi ikuvumela ukuthi uthenge ngaphandle kokukhipha imali khona lapho.
Ukulawula ukusetshenziswa kwemali
Isici esinqumayo kulokhu kukhetha phakathi kwedebithi noma isikweletu yinkinga yokulawulwa kwemali esetshenzisiwe. Umnotho oyisisekelo womndeni ubulokhu ukhuthaza a ukwanda kokusetshenziswa kwamakhadi asebhange uma kuqhathaniswa namakhadi wesikweletu. Kubuye kwehla nokukhokhwa okuhlehlisiwe.
Ukhiye, njengoba sibona, yilokho ikhadi lasebhange liyithuluzi lokukhokha elenza ngokuzenzakalela ukukhokhiswa ku-akhawunti yokuhlola iklayenti. Endabeni yekhadi lesikweletu, lezi zinkokhiso zivame ukwenziwa ekuqaleni kwenyanga ngayinye.
Izici zekhadi lasebhange
- Nabo ugcina ukulawula okuphelele kwalokho okusebenzisayo. Ngaphezu kokukwazi ukukhipha imali emahhovisi nakuma-ATM, isetshenziswa njengokukhokha ezitolo.
- Inani lokuthenga lenza inkokhelo eqondile, ngaphandle kokulibala, ku-akhawunti yokuhlola yeklayenti.
- Bakhulu kakhulu iwusizo ezitolo zansuku zonke.
- Ukuze isetshenziswe kuyadingeka ube ne-akhawunti yokuhlola ebhange okhipha ikhadi.
- Kukhona ngokuvamile umkhawulo wansuku zonke ohleliwe yibhange, ukwenza inkokhelo yokuthenga.
Okuphawulekayo kwamakhadi esikweletu
Njengoba sibonile, umehluko omkhulu ukuthi amakhadi esikweletu ayindlela yokukhokha, kodwa Nabo futhi uhlobo lwezezimali. Bayakuvumela ukuthi uthenge ngaphandle kokuthi ukhokhe yonke imali khona lapho futhi unethuba lokuyibuyisa kancane kancane.
- Ngokungafani namakhadi asebhange, ngesikweletu, akubalulekile ukuba nemali ku-akhawunti yasebhange ngesikhathi sokuthenga.
- Imvamisa kuyadingeka ekukhishweni kwaleli khadi ukudonswa kwemali ngqo kwabeholo noma ukugunyazwa kwemali engenayo ezinzile.
- El umkhawulo wesikweletu otholakalayo kufanele ucaciswe kwinkontileka yekhadi, kepha ingahluka ngokuhamba kwesikhathi.
Imithombo yesithombe: Isitembu Sezomthetho Abogados / cnbc.com