Kodi kusankha banki khadi?

Lero ndikulankhula nanu za nkhani yomwe ambirife sitikuimvetsa bwino lomwe. Ili ndi khadi lakubanki. Ndipotu, makadi aku banki nthawi zambiri amagwirizanitsidwa ndi akaunti yakubanki ndipo amatilola kuchotsa ndalama ku ATM. Cholinga cha makhadiwa sichinthu china koma kupereka ntchito yowonjezera.

Makhadiwa amatipatsa mwayi, chitetezo komanso liwiro logwiritsa ntchito ndalama zathu. Amatilolanso kugula zinthu m’sitolo kapena pa intaneti. M'nkhaniyi, ndikupereka kwa inu mitundu yosiyanasiyana ya makadi a banki kotero mutha kusankha yomwe imakuyenererani.

Tiyeni tiyambe ndi kufotokozera mfundozo, monga momwe timachitira nthawi zonse. Koma musanayambe, apa pali maphunziro omwe amakulolani kutero Pezani 1000euros/Tsiku pa 5euros.com. Dinani apa kuti mugule

🥀 Kodi khadi la banki ndi chiyani 

une Khadi la kubanki ndi njira yolipira yoperekedwa ndi banki kapena bungwe lazachuma. Imalumikizidwa ku akaunti yakubanki ndipo imalola mwiniwakeyo kuchita zinthu zachuma, monga kugula m'sitolo, kuchotsa ndalama pamakina a automatic teller (ATM) kapena kulipira pa intaneti.

Khadi la banki likhoza kukhala m'njira zosiyanasiyana, kuphatikiza kirediti kadi kapena kirediti kadi. Khadi la debit limagwirizana mwachindunji ndi ndalama zomwe zimapezeka mu akaunti yakubanki ya mwiniwakeyo. Khadi likagwiritsidwa ntchito, ndalama zogulira zimachotsedwa nthawi yomweyo ku akaunti.

Kumbali ina, kirediti kadi imalola mwini wake kuterokubwereka ndalamat kuchokera kubanki kapena wopereka makhadi. Kuwononga ndalama ndi khadi la ngongole kumawonjezedwa ku ndalama zimene ziyenera kubwezedwa pambuyo pake, kaŵirikaŵiri ndi chiwongola dzanja ngati ndalama zotsalazo sizinalipidwe mokwanira mwezi uliwonse.

Makhadi aku banki nthawi zambiri amakhala ndi a Yogulitsa ndi chingwe cha maginito kuti muthandizire kuchitapo kanthu. Athanso kukhala ndi zina zowonjezera, monga mapulogalamu a mphotho, inshuwaransi kapena njira zolipirira popanda kulumikizana.

🥀 Mbiri yama kirediti kadi

Zonse zidayamba mu 1914 ndi Western Union, yomwe idapanga makadi ake a VIP. Khadili linkawapatsa chithandizo chapadera komanso mwayi wopeza ngongole popanda mtengo uliwonse. Uku kunali kubwera kwa makadi aku banki. Kuchokera kumeneko, makampani ena ambiri anayamba kupereka makadi awoawo.

Panthawiyo, makadi aku banki adapangidwa kuti agwiritse ntchito kokha kukhazikitsidwa komwe adawapereka, kuti apange kukhulupirika kwamakasitomala. Makhadiwa adapangidwanso kuti azipereka chithandizo cha VIP ndi ngongole zomwe zidathandizira kugula mkati mwabizinesiyo.

Ngakhale kuti, mofanana ndi zopanga zambiri zazikulu, zinabadwa mwangozi, kupangidwa kwa mapu oyambirira ameneŵa kukanafalikira ngati thovu. ndi Kudya Club linali khadi loyamba la ngongole, zomwe zinapangitsa kuti zikhale zotheka kulipira m'malesitilanti angapo omwe adagwirizana kuti alole kulipira kochedwa.

Pamene idakula, mabungwe azachuma ku United States konse adayamba kupereka makadi. Nthaŵi zonse, makhadiwo anatheketsa kulipira m’malo ambiri.

Ndipo 1958, American Express ndi Bank of America, anali kudzalowa nawo m'gulu lamakadi amenewa zomwe zinapangitsa kuti achedwetse kugula zinthu kuti alipire chiwongola dzanja chochepa.

MasterCard anabadwa chakumapeto kwa 60s, kupanga kulumpha ku Ulaya. VISA idabadwa mu 1977 kuchokera ku mgwirizano wamabanki angapo, motsogozedwa ndi Bank of America.

🥀 Mitundu yosiyanasiyana ya kirediti kadi

Pali mitundu ingapo ya makadi aku banki, iliyonse ili ndi mikhalidwe yakeyake. M'nkhaniyi, ndachita zovuta kuti ndikuwunikireni mawonekedwe amtundu uliwonse wamakhadi aku banki kuti ndikulolezeni kusankha mosavuta.

Izi zikuthandizaninso kuchepetsa kapena kupewa zolipiritsa zina kubanki. Ndikupangira kuti muyang'ane kalozera wanga momwe mungapewere ndalama zambiri kubanki.

✔ Makhadi a ngongole

Mtundu woyamba wa khadi la banki pamndandanda wathu ndi kirediti kadi. Ndi mtundu wa khadi lomwe lingakhale ndi ndalama zomwe zili nazo mu akaunti yakubanki yogwirizana. Ndiye kuti, ngakhale mutha kuchotsa ndalama ku ATM ndikulipira m'masitolo, malirewo ali mu akaunti yanu.

Khadi lamtunduwu ndi limodzi mwazofala kwambiri. Itha kugwiritsidwa ntchito kuchotsa ndalama ku ATM, kulipira ngongole m'masitolo komwe amavomerezedwa. Khadi ili limakupatsaninso mwayi wosinthira ndi zochitika zina monga kuyang'ana mabanki a akaunti, ndi zina.

Nthawi zambiri amakhala ndi a malire a tsiku kuchotsera ndalama zambiri. Muyenera kufunsa banki yanu kuti mudziwe malire awa.

➤ Makhadi a Debit

Khadi la debit lili ndi zinthu zingapo zomwe zimapangitsa kuti ikhale njira yotchuka komanso yosavuta yolipirira. Nazi zina mwazinthu zake zazikulu:

Kufikira mwachindunji ku akaunti yakubanki: Khadi la debit limalumikizidwa mwachindunji ndi akaunti yakubanki ya mwiniwakeyo. Mukagwiritsidwa ntchito pogula kapena kuchotsa ndalama, ndalama zomwezo zimachotsedwa nthawi yomweyo kuchokera ku ndalama zomwe zilipo pa akaunti.

Kugwiritsa ntchito mosiyanasiyana: Makhadi akubanki angagwiritsidwe ntchito pazochitika zosiyanasiyana. Atha kugwiritsidwa ntchito pogula zinthu m’sitolo, pa intaneti kapena patelefoni, komanso kutenga ndalama m’makina otengera ndalama (ATM).

Chitetezo: Makhadi a debit nthawi zambiri amakhala ndi microchip ndi PIN (Personal Identification Number) kuti atsimikizire chitetezo. Wokhala ndi khadi ayenera kulowa PIN akamagulitsa, zomwe zimawonjezera chitetezo.

Palibe kubwereka ndalama: Mosiyana ndi makhadi a ngongole, makadi a debit sakulolani kubwereka ndalama. Ndalama zomwe zimagwiritsidwa ntchito ndi khadi la debit zimachotsedwa mwachindunji ku ndalama zomwe zilipo mu akaunti yakubanki ya mwiniwakeyo.

Kutsata ndalama: Zochita ndi kirediti kadi nthawi zambiri zimalembedwa pa sitetimenti ya akaunti yakubanki ya mwiniwakeyo, zomwe zimapangitsa kuti zikhale zosavuta kuyang'anira ndalama zomwe munthu amawononga komanso kusamalira ndalama zake.

Palibe chiwongola dzanja: Popeza makhadi obwereketsa sakulolani kubwereka ndalama, nthawi zambiri sabweretsa chiwongola dzanja. Komabe, mabanki ena amatha kulipira chindapusa kapena chindapusa pazochita zinazake.

Ndikofunikira kudziwa kuti mawonekedwe a kirediti kadi amatha kusiyanasiyana malinga ndi banki yoperekayo komanso dziko lomwe agwiritsidwa ntchito. Ndibwino kuti mufufuze malamulo ndi ndondomeko za banki kuti mumve zambiri zamtundu wa kirediti kadi.

✔ Makhadi a ngongole

Makhadi a ngongole ndi njira yopezera ndalama kwakanthawi kochepa kwa makasitomala aku banki. Izi zikutanthauza kuti mutha kugula mukakhala mulibe ndalama zokwanira mu akaunti yanu.

Kusiyana kwakukulu ndi kirediti kadi ndikuti kirediti kadi ndi yogwirizana ndi ngongole. M'mawu ena, ngati tili ndi kirediti kadi ndi ngongole ya € 5, ngakhale tilibe ndalama mu akaunti yathu yakubanki, titha kuchoka ku ATM kapena kulipira m'sitolo. mpaka € 5.

Kumbukirani kuti kugwiritsa ntchito kirediti kadi kumakhala ndi zotsatira zofanana ndi njira ina iliyonse yobwereketsa. Mwa kuyankhula kwina, mukuyenera kubweza ndalamazo ndi kulipira chiwongoladzanja chomwe mwachita.

➤ Makhadi a ngongole

Khadi la kingongole lili ndi zinthu zingapo zomwe zimapangitsa kukhala njira yotchuka komanso yosinthika yolipira. Nazi zina mwazinthu zake zazikulu:

Kubwereka ndalama: Mosiyana ndi kirediti kadi, kirediti kadi imalola mwiniwake kubwereka ndalama kubanki yomwe ikupereka kapena bungwe lazachuma. Ndalama zopangidwa ndi khadi zimawonjezeredwa ku ndalama zomwe ziyenera kubwezeredwa pambuyo pake.

Grace period: Makhadi a ngongole nthawi zambiri amapereka nthawi yachiwongolero pamene palibe chiwongoladzanja chamtengo wapatali. Nthawi imeneyi nthawi zambiri imasiyana pakati pa masiku 21 ndi 30 kuyambira tsiku lomwe mwachita. Ngati ndalamazo zabwezedwa zonse nthawi yachisomo isanathe, palibe chiwongola dzanja chomwe chimaperekedwa.

Chiwongola dzanja: Ngati ndalama zotsala za kirediti kadi sizinabwezedwe zonse nthawi yachisomo isanathe, chiwongola dzanja chidzagwiritsidwa ntchito pa ndalama zotsalazo. Chiwongola dzanja cha kirediti kadi chimasiyana mosiyanasiyana, choncho ndikofunikira kuyang'ana zomwe wapereka ndi woperekayo.

Kusinthasintha kwamalipiro: Ma kirediti kadi amapereka kusinthasintha pankhani ya kulipira. Eni makadi angasankhe kubweza ndalama zonse zomwe amawononga mwezi uliwonse kapena kulipira zochepa, zomwe nthawi zambiri zimakhala ndi chiwongola dzanja. Komabe, tikulimbikitsidwa kulipira ndalama zonse mwezi uliwonse kuti mupewe chiwongola dzanja chokwera.

Mphotho ndi maubwino: Makhadi ambiri a kingongole amapereka mapologalamu a mphotho, monga mapointi, ndalama zobweza ngongole kapena makilomita andege, zimene zimalola eni makhadi kulandira mapindu owonjezereka akamagwiritsira ntchito khadi lawo pogula zinthu.

Chitetezo cha ogula: Makhadi a ngongole nthawi zambiri amapereka chitetezo chowonjezereka kwa ogula pakachitika chinyengo kapena mkangano ndi wamalonda. Angaperekenso inshuwaransi yowonjezera, monga inshuwaransi yapaulendo kapena chitetezo chogula.

✔ Makhadi obwezeredwanso kapena ochedwetsedwa

Awa ndi makhadi a ngongole momwe njira yolipirira yosinthika yasankhidwa. Amakulolani kubweza ngongole yomwe mwasankhira polipira magawo angapo omwe amasiyana malinga ndi ndalama zomwe mwakonza.

Mkati mwa malire omwe amaikidwa ndi banki yanu, mutha kukhazikitsa kuchuluka kwa ndalamazo. Koma, dziwani kuti ndalama zonse zikalipidwa, ngongole yomwe ilipo pakhadiyo imadzadzidwanso. Mwanjira ina, mutha kupeza kuchuluka kwa ndalama zomwe mumagulitsa pagawo lililonse. Kodi makadi olipira omwe achedwetsedwa ndi ati?

➤ Makhalidwe a makhadi olipira ochedwetsedwa

Makhadi olipira ochedwetsedwa, omwe amadziwikanso kuti makhadi olipira ochedwetsa, ali ndi zina zake. Nazi zina mwazinthu zawo zazikulu:

Kuchedwetsa malipiro: Makhadi olipidwa ochedwetsedwa amalola eni ake makhadi kuchedwetsa kulipira ndalama zonse zotsalayo mpaka tsiku lina, nthawi zambiri kumapeto kwa mwezi wotsatira. Izi zikutanthauza kuti ndalama zogwiritsidwa ntchito ndi khadi siziyenera kubwezeredwa mwamsanga.

Grace period: Makhadi okalipira omwe achedwetsedwa amakhala ndi nthawi yachisomo pomwe palibe chiwongola dzanja pa zomwe zawonongeka. Nthawi imeneyi imasiyanasiyana pakati pa 21 ndi 30 masiku kuyambira tsiku lomwe mwachita. Ngati ndalamazo zabwezedwa zonse nthawi yachisomo isanathe, palibe chiwongola dzanja chomwe chimaperekedwa.

Chiwongola dzanja: Ngati ndalama zotsala za khadi sizinabwezedwe zonse nthawi yachisomo isanathe, chiwongola dzanja chidzagwiritsidwa ntchito pa ndalama zotsalazo. Chiwongola dzanja cha makadi olipira omwe achedwetsedwa amatha kusiyanasiyana, choncho ndikofunikira kuyang'ana zomwe wapereka ndi wopereka makhadi.

Kusinthasintha kwamalipiro: Omwe adachedwetsa makhadi ali ndi mwayi wobweza ndalama zonse zomwe adawononga mwezi uliwonse kapena kulipira zochepa. Komabe, tikulimbikitsidwa kulipira ndalama zonse mwezi uliwonse kuti mupewe chiwongola dzanja chokwera.

Kugwiritsa ntchito mosiyanasiyana: Makhadi olipidwa ochedwetsedwa amatha kugwiritsidwa ntchito munthawi zosiyanasiyana, kaya m'sitolo, kugula pa intaneti kapena patelefoni, komanso pochotsa ndalama m'makina owerengera ndalama (ATM).

Mphotho ndi maubwino: Makhadi ena olipidwa omwe achedwetsedwa amapereka mapulogalamu ofanana ndi makhadi angongole, monga ma point, kubweza ndalama, kapena maubwino apadera okhudzana ndi kugwiritsa ntchito khadi.

✔ Makhadi olipidwa kale kapena wallet

Makhadi olipidwa amakupatsani mwayi wolipira. Makhadiwa sakugwirizana ndi akaunti yakubanki. Nthawi zambiri amagwiritsidwa ntchito polipira pang'ono ndipo amakhala ndi mwayi woti atha kubwezanso nthawi iliyonse yomwe tikufuna.

Choncho, ngati khadi labedwa, kutayika kwanu kwakukulu kudzakhala ndalama pa khadi panthawiyo. Makhadi olipiriratu amafanana kwambiri ndi makhadi a debit popeza kasitomala amatha kukhala ndi ndalama zenizeni pamakhadiwo.

➤ Makhalidwe a makadi olipidwa

Makhadi olipidwa ali ndi zinthu zina zomwe zimawasiyanitsa ndi mitundu ina yamakhadi olipira. Nazi zina mwazinthu zawo zazikulu:

Kutsegulatu: Makhadi olipiriratu ayenera kuikidwa ndi ndalama zenizeni asanawagwiritse ntchito. Izi zikutanthauza kuti mwini khadiyo ayenera kusungitsa ndalama m’khadilo asanagule kapena kulipira.

Gwiritsani ntchito malire omwe alipo: Kugwiritsa ntchito ndi khadi yolipiriratu kumangotengera ndalama zomwe zidakwezedwa pakhadilo. Ndalama yomwe ilipo ikatha, khadi silingagwiritsidwe ntchito pokhapokha ngati litakwezedwanso.

Palibe ulalo ndi akaunti yakubanki: Mosiyana ndi ma kirediti kadi kapena kirediti kadi, makhadi olipiriratu samangidwa ku akaunti inayake yakubanki. Amagwira ntchito modziyimira pawokha ndipo alibe mphamvu pazachuma za mwiniwake kupitilira kuchuluka komwe adanyamula pakhadi.

Kusadziwika: Makhadi olipiriratu nthaŵi zambiri amapereka mlingo wosadziwika chifukwa chakuti samagwirizanitsidwa mwachindunji ndi chizindikiritso cha mwiniwakeyo. Izi zitha kukhala zopindulitsa kwa iwo omwe akufuna kusunga zinsinsi zawo panthawi yazachuma.

Kugwiritsa ntchito mosiyanasiyana: Makhadi olipidwa nthawi zambiri amatha kugwiritsidwa ntchito ngati makhadi ena olipira, kaya pogula m'sitolo, pa intaneti kapena patelefoni. Atha kugwiritsidwanso ntchito kutulutsa ndalama pamakina a automatic teller (ATM).

Palibe chiwongola dzanja kapena chindapusa cha overdraft: Popeza makhadi olipidwa amagwira ntchito ndi ndalama zomwe zidalowetsedwa kale, palibe chiwongola dzanja chokhudzana ndi kugwiritsidwa ntchito kwawo. Komanso, sizingatheke kuwononga ndalama zambiri kuposa zomwe zilipo, zomwe zimathetsa chiopsezo cha anapeza.

Ndikofunika kuzindikira kuti zinthu zenizeni za khadi lolipiriratu zingasiyane malinga ndi woperekayo komanso mawu okhudzana ndi khadilo.

✔ Makhadi a ndalama zambiri

Khadi lamtundu uwu silili lodziwika ngati lapitalo, koma limakupatsani mwayi wowonjezera khadi lanu mu ndalama imodzi ndikulipira ndalama zitatu kapena zinayi zosiyana.

Mwachitsanzo, ngati ndinyamula khadi langa ndi Pesos ya ku Mexican, khadi ili lidzandilola kuti ndipereke malipiro osati ku Pesos, komanso madola a US, ma euro ndi mapaundi, mwachitsanzo.

Khadi ili limagwira ntchito ngati khadi lolipiriratu, pomwe ndalama zimayikidwa musanayambe kulipira. Ubwino wa khadili ndikuti ndalama zosinthira kuchoka ku ndalama imodzi kupita ku zina zimapewedwa poyenda.

✔ makhadi enieni

Makhadi a Virtual ndi makhadi olipira omwe amapezeka pamagetsi okha, popanda chithandizo chakuthupi. Iwo ali ndi makhalidwe enaake:

Kugwiritsa ntchito pa intaneti: Makhadi a Virtual adapangidwa kuti athe kugula pa intaneti. Nthawi zambiri amalumikizidwa ndi nambala yamakhadi, tsiku lotha ntchito komanso nambala yachitetezo (CVV), yomwe ingagwiritsidwe ntchito panthawi yolipira pamawebusayiti.

Chitetezo chokwezedwa: Makhadi a Virtual amapereka mulingo wowonjezera wachitetezo pazochita zapaintaneti. Popeza si zakuthupi, sizingatayike kapena kubedwa. Kuonjezera apo, makhadi ena enieni ndi ogwiritsidwa ntchito kamodzi, kutanthauza kuti angagwiritsidwe ntchito kamodzi kokha pazochitika zinazake, kuonjezera chitetezo.

Kuwongolera ndalama: Makhadi ooneka bwino amalola ogwiritsa ntchito kukhazikitsa malire ogwiritsira ntchito ndalama kwa nthawi inayake. Izi zitha kukhala zothandiza pakuwongolera kuwononga ndalama pa intaneti ndikupewa kugula zinthu mongoganiza.

Zomwe zingatchulidwe: Nthawi zina, makhadi enieni atha kupereka kusadziwika pogula pa intaneti. Popeza sizikulumikizana mwachindunji ndi mwiniwakeyo, zingakhale zovuta kwambiri kutsata zomwe zachitika kwa munthu wina wake.

Kusavuta kupanga ndi kugwiritsa ntchito: Makhadi enieni amatha kupangidwa mwachangu komanso mosavuta pa intaneti, popanda kufunikira koyendera banki kapena mabungwe azachuma. Kuphatikiza apo, amatha kugwiritsidwa ntchito nthawi yomweyo pambuyo popanga.

Zolepheretsa Kugwiritsa Ntchito : Makhadi a Virtual atha kukhala ndi malire pakugwiritsa ntchito. Mwachitsanzo, mwina sangavomerezedwe m'masitolo onse a pa intaneti kapena sangagwiritsidwe ntchito pazinthu zina, monga kuchotsa ndalama pamakina owerengera ndalama (ATM).

🥀 Chidule…

Pomaliza, sankhani khadi yanu yaku banki ndi chosankha chofunika kwambiri chimene chimadalira pa zinthu zambiri zaumwini. Ndikofunikira kuganizira zosowa zanu zenizeni, moyo wanu komanso zomwe mumakonda pazachuma posankha khadi yaku banki.

Nkhaniyi idasanthula magulu osiyanasiyana amakhadi aku banki, kuphatikiza ma kirediti kadi, makhadi olipira omwe achedwetsedwa, makhadi olipidwa ndi makhadi enieni. Iliyonse mwamakhadiwa ili ndi mawonekedwe ake apadera omwe angakwaniritse zosowa zenizeni.

Posankha kirediti kadi, m'pofunika kuganizira zinthu monga chindapusa, mapindu ndi mphotho zoperekedwa, chiwongola dzanja, kusinthasintha kolipira, ndi chitetezo. Ndikulimbikitsidwanso kufananiza zoperekedwa kuchokera kumabungwe osiyanasiyana azachuma kuti mupeze khadi yomwe ikugwirizana ndi zosowa zanu.

Pamapeto pake, palibe khadi lakubanki lapadziko lonse lapansi lomwe limakwanira aliyense. Ichi ndi chosankha chaumwini chomwe chimafunikira kusinkhasinkha mosamala. Pomvetsetsa mawonekedwe ndi zosankha zomwe zilipo, ndizotheka kusankha khadi yakubanki yomwe imathandizira kasamalidwe kazachuma tsiku ndi tsiku komanso kukupatsirani maubwino ogwirizana ndi moyo wanu.

Kaya mukusamala momwe mumawonongera ndalama, kupindula ndi mphotho kapena kuonetsetsa kuti mukugwiritsa ntchito intaneti motetezeka, kusankha khadi lakubanki loyenera kungakuthandizeni kuti mukhale ndi mwayi wopeza ndalama zambiri.

FAQ - Momwe mungasankhire khadi yanu yaku banki?

Q: Kodi magulu osiyanasiyana a makadi aku banki ndi ati?
A: Magulu akuluakulu a makhadi aku banki ndi makhadi a kingongole, makhadi olipira ochedwetsedwa, makhadi olipidwa ndi makadi enieni.

Q: Kodi ndi zinthu ziti zomwe muyenera kuziganizira posankha khadi la ngongole?
Yankho: Ndikofunika kuganizira zosowa zanu zenizeni, moyo wanu komanso zomwe mumakonda posankha kirediti kadi. Ndibwinonso kuganizira zinthu monga chindapusa, zopindulitsa ndi mphotho zoperekedwa, chiwongola dzanja, kusinthasintha kwa malipiro ndi chitetezo.

Q: Kodi ndingasankhe bwanji pakati pa kirediti kadi ndi khadi yolipirira yochedwetsedwa?
Yankho: Makhadi a ngongole amakulolani kuti mubwereke ndalama kubanki kuti mugule. Makhadi olipira ochedwetsedwa amakulolani kuti muchedwetse kulipira ndalama zonse mpaka tsiku lina. Kusankha kudzadalira kutha kubweza ndalama mwezi uliwonse kapena kusankha kubweza ndalama.

Q: Ubwino wa makadi olipidwa ndi otani?
Yankho: Makhadi omwe alipiridwa kale amapereka njira yoyendetsera ndalama, chitetezo chowonjezera komanso kusadziwika.

Q: Chifukwa chiyani mugwiritse ntchito kirediti kadi?
Yankho: Makhadi enieni amapereka chitetezo chowonjezera pazochitika zapaintaneti ndipo amatha kupangidwa mwachangu komanso mosavuta pa intaneti.

Q: Kodi ndingasankhire bwanji kirediti kadi yabwino kwambiri kwa ine?
Yankho: Palibe khadi yakubanki yapadziko lonse yomwe imayenera aliyense. Ndikofunikira kuganizira zosowa zanu zenizeni ndikuyerekeza zoperekedwa kuchokera kumabungwe osiyanasiyana azachuma kuti mupeze khadi yomwe ikugwirizana ndi zosowa zanu.