Indlela yokukhetha ikhadi lakho lebhanki?

Namhlanje ndithetha nawe ngombandela abaninzi abangawuqondi kakuhle. Eli likhadi lebhanki. Enyanisweni, amakhadi ebhanki adla ngokunxulunyaniswa ne-akhawunti yebhanki kwaye asivumele ukuba sikhuphe imali kwii-ATM. Injongo yala makhadi akukho nto ngaphandle kokubonelela ngenkonzo eyongezelelweyo.

La makhadi asinika uncedo, ukhuseleko kunye nesantya sokulawula imali yethu. Zikwasivumela ukuba sithenge evenkileni okanye kwi-intanethi. Kweli nqaku, ndibonisa kuwe iintlobo ezahlukeneyo zamakhadi ebhanki ngoko ungakhetha leyo ikufaneleyo.

Masiqale ngokuchaza iikhonsepthi, njengoko sihlala sisenza. Kodwa ngaphambi kokuba uqale, nalu uqeqesho olukuvumela ukuba wenze fumana i-1000euros / Usuku kwi-5euros.com. Cofa apha ukuze uyithenge

🥀 Yintoni ikhadi lebhanki 

Une Ikhadi lebhanki yindlela yokuhlawula ekhutshwa yibhanki okanye iziko lezemali. Idityaniswe ne-akhawunti yebhanki kwaye ivumela umnini wayo ukuba enze iintengiselwano zemali, ezifana nokuthengwa kwevenkile, ukuhoxiswa kwemali kumatshini wokuxela ngokuzenzekelayo (ii-ATM) okanye iintlawulo ze-intanethi.

Ikhadi lebhanki thatha iindlela ezahlukeneyo, kuquka ikhadi lebhanki okanye ikhadi letyala. Ikhadi ledebhithi liqhagamshelwe ngokuthe ngqo kwimali eseleyo ekhoyo kwi-akhawunti yebhanki yomnini. Xa ikhadi lisetyenzisiwe, imali yetransekshini itsalwa ngokukhawuleza kwibhalansi ye-akhawunti.

Kwelinye icala, ikhadi letyala livumela umnini walo ukuba enze njalo'boleka imalit evela ebhankini okanye umniki wekhadi. Ukusetyenziswa kwekhadi lokuthenga ngetyala kongezwa kwimali eseleyo ekufuneka ihlawulwe kamva, ngokuqhelekileyo kunye nenzala ukuba imali eseleyo ayihlawulwanga ngokupheleleyo nyanga nganye.

Amakhadi ebhanki ngokubanzi ane encinci kunye nomcu wemagnethi ukuququzelela iintengiselwano. Basenokuxhotyiswa ngeempawu ezongezelelweyo, njengeenkqubo zokuwonga, i-inshurensi okanye iinketho zokuhlawula ngaphandle koqhagamshelwano.

🥀 Imbali yamakhadi okuthenga ngetyala

Konke kwaqala ngo-1914 kunye ne-Western Union, eyayidale ikhadi kubathengi bayo be-VIP. Eli khadi lalibanika impatho ekhethekileyo nethuba lokufumana iikhredithi ngaphandle kweendleko. Oku yayikukufika kwamakhadi ebhanki. Ukusuka apho, ezinye iinkampani ezininzi zaqala ukukhupha amakhadi azo.

Ngelo xesha, amakhadi ebhanki ayenzelwe ukusetyenziswa okukodwa kokusekwa okukhuphe kubo, ukwakha ukunyaniseka kwabathengi. La makhadi ayenzelwe ukubonelela ngonyango lwe-VIP kunye nekhredithi eququzelele ukuthenga ngaphakathi kweshishini ngokwalo.

Nangona, njengezinto ezininzi eziqanjiweyo ezinkulu, zazalwa ngamabona-ndenzile, ukuveliswa kweli khadi lokuqala kuya kusasazeka njengegwebu. i zokudlela Club yayilikhadi lokuqala letyala, elenza ukuba kube nokwenzeka ukuhlawula kwiindawo zokutyela ezininzi ezidityaniswe nemikhosi ukuvumela intlawulo erhoxisiweyo.

Njengoko yayisanda, imibutho yezemali kulo lonke elaseUnited States yaqalisa ukukhupha amakhadi. Sihlandlo ngasinye, amakhadi ayesenza kube lula ukuhlawula kwiindawo ezingakumbi.

Kwi 1958, IAmerican Express kunye neBhanki yaseMelika, babeza kujoyina i-boom yala makhadi eyenze ukuba kube lula ukurhoxiswa ukuthenga ngentlawulo yenzala encinci.

MasterCard wazalwa ekupheleni kwe-60s, okwenza ukutsibela eYurophu. I-VISA, inxalenye yayo, yazalwa ngo-1977 isuka kwimanyano yeebhanki ezininzi, ekhokelwa yiBhanki yaseMelika.

🥀 Iindidi ezahlukeneyo zekhadi letyala

Kukho iindidi ezininzi zamakhadi ebhanki, ngalinye lineempawu zalo. Kweli nqaku, ndithathe inkathazo ukukugqamisa kuwe iimpawu zohlobo ngalunye lwekhadi lebhanki ukuze kukuvumela ukuba wenze ukhetho lwakho ngokulula.

Ezi mpawu ziya kukuvumela ukuba unciphise okanye uphephe iintlawulo ezithile zebhanki. Ndicebisa ukuba ujonge isikhokelo sam indlela yokuphepha iintlawulo eziphezulu zebhanki.

✔ Amakhadi ebhanki

Uhlobo lokuqala lwekhadi lebhanki kuluhlu lwethu ikhadi ledebhithi. Luhlobo lwekhadi elinokuba nemali enalo kuphela kwiakhawunti yebhanki enxulumene noko. Oko kukuthi, nangona unokurhoxisa imali kwii-ATM kwaye uhlawule kwiivenkile, umda ukwibhalansi yeakhawunti yakho.

Olu hlobo lwekhadi yenye yezona zixhaphakileyo. Ingasetyenziselwa ukurhoxisa imali kwii-ATM, ukuhlawula amatyala kwiivenkile apho yamkelwe. Eli khadi likuvumela ukuba wenze ukudluliselwa kunye nezinye iintengiselwano ezifana nokujonga ibhalansi ye-akhawunti, njl.

Ngokuqhelekileyo unayo a umda wemihla ngemihla ukutsalwa kwemali ephezulu. Kufuneka udibane nebhanki yakho ukuze ufumane lo mda.

➤ Iimpawu zekhadi ledebhithi

Ikhadi ledebhithi linezinto ezininzi ezahlukileyo ezenza ukuba ibe yindlela edumileyo nefanelekileyo yokuhlawula. Nazi ezinye zeempawu zayo eziphambili:

Ukufikelela ngokuthe ngqo kwi-akhawunti yebhanki: Ikhadi ledebhithi liqhagamshelwe ngokuthe ngqo kwi-akhawunti yebhanki yomnini. Xa isetyenziselwa ukuthenga okanye ukuhoxisa imali, isixa esihambelanayo sitsalwa ngokukhawuleza kwibhalansi ekhoyo kwi-akhawunti.

Usetyenziso oluguquguqukayo: Amakhadi edebhithi anokusetyenziswa kwiimeko ezahlukeneyo. Zisenokusetyenziswa ukuthenga evenkileni, kwi-intanethi okanye ngomnxeba, kwakunye nokukhupha imali koomatshini abazenzekelayo (ATM).

Ukhuseleko: Amakhadi e-debit ahlala exhotyiswe nge-microchip kunye ne-PIN (iNombolo yeSazisi soMntu) ukuqinisekisa ukhuseleko lwentengiselwano. Umnini-khadi kufuneka afake i-PIN xa esenza itransekshini, eyongeza umaleko owongezelelweyo wokhuseleko.

Akukho mali ibolekayo: Ngokungafaniyo namakhadi okuthenga ngetyala, amakhadi okuthenga ngetyala awakuvumeli ukuba uboleke imali. Inkcitho eyenziwe ngekhadi lebhanki itsalwa ngokuthe ngqo kwibhalansi ekhoyo kwi-akhawunti yebhanki yomnini.

Ukulandela inkcitho: Iintengiselwano ezenziwe ngekhadi ledebhithi zidla ngokurekhodwa kwisiteyitimenti seakhawunti yebhanki yomnini, nto leyo eyenza kube lula ukulandela iindleko nokulawula iimali zomntu.

Akukho ntlawulo yenzala: Ekubeni amakhadi edebhithi engakuvumeli ukuba uboleke imali, ngokuqhelekileyo awabizi ntlawulo yenzala. Nangona kunjalo, ezinye iibhanki zinokubiza iimali zokusebenzisa okanye iimali zentengiselwano ezithile ezithile.

Kubalulekile ukuqaphela ukuba iimpawu ezithile zekhadi le-debit zingahluka ngokuxhomekeke kwibhanki ekhutshiweyo kunye nelizwe apho lisetyenziswa khona. Kuyacetyiswa ukuba udibane nemigaqo nemigaqo-nkqubo yebhanki ukuze ufumane iinkcukacha ezithe vetshe ngeempawu zekhadi ledebhithi.

✔ Amakhadi okuthenga ngetyala

Amakhadi okuthenga ngetyala luhlobo lwenkxaso-mali yexesha elifutshane kubathengi bebhanki. Oku kuthetha ukuba ungathenga xa ungenayo imali eyaneleyo kwiakhawunti yakho.

Umahluko ophambili ngekhadi ledebhithi kukuba ikhadi letyala ezinxulumene nemali-mboleko. Oko kukuthi, ukuba sinekhadi letyala ngetyala le-5 €, nokuba asinamali kwiakhawunti yethu yebhanki, sinokurhoxisa kwii-ATM okanye sihlawule evenkileni. ukuya kuthi ga kwi-5 yezigidi.

Khumbula ukuba ukusebenzisa ikhadi letyala kuneziphumo ezifanayo njengayo nayiphi na enye indlela yokuthenga ngetyala. Ngamanye amazwi, unyanzelekile ukuba ubuyisele imali kwaye uhlawule inzala oyenzileyo.

➤ Iimpawu zekhadi letyala

Ikhadi letyala linezinto ezininzi ezahlukileyo ezenza ukuba libe yindlela yokuhlawula edumileyo neguquguqukayo. Nazi ezinye zeempawu zayo eziphambili:

Ukuboleka imali: Ngokungafaniyo nekhadi lokuthenga ngetyala, ikhadi letyala livumela umnini walo ukuba aboleke imali kwibhanki ekhuphayo okanye kwiziko lemali. Iinkcitho ezenziwe ngekhadi zongezwa kwibhalansi ekufuneka ihlawulwe kamva.

Ixesha lenceba : Amakhadi okuthenga ngetyala adla ngokunikezela ngexesha loxolelo apho kungabizwa nzala kwiindleko ezenziweyo. Eli xesha lihlala lihluka phakathi kweentsuku ezingama-21 ukuya kwezingama-30 ukusuka kumhla wentengiselwano. Ukuba ibhalansi ihlawulwe ngokupheleleyo phambi kokuphela kwexesha loxolelo, akukho nzala ihlawuliswayo.

Iintlawulo zenzala: Ukuba ibhalansi yekhadi lokuthenga ngetyala ayihlawulwanga ngokupheleleyo phambi kokuphela kwexesha loxolelo, inzala iyakusetyenziswa kwimali eseleyo. Inzala yekhadi letyala inokwahluka kakhulu, ngoko ke kubalulekile ukujonga imigaqo ethile kunye nomniki wekhadi.

Ukuba bhetyebhetye kwintlawulo: Amakhadi okuthenga ngetyala anika ukuguquguquka ngokwemiqathango yentlawulo. Abanini bamakhadi banokukhetha ukuyibuyisela yonke imali abayichithileyo nyanga nganye okanye benze intlawulo encinci, edla ngokuquka inzala. Nangona kunjalo, kuyacetyiswa ukuba uhlawule imali eseleyo ngokupheleleyo kwinyanga nganye ukuphepha inzala ephezulu.

Imivuzo kunye neenzuzo: Amakhadi amaninzi okuthenga ngetyala anikela ngeenkqubo zokuwonga, ezinjengamanqaku, imali yokubuyisela imali okanye iimayile zenqwelo-moya, ezivumela abo banamakhadi ukuba bafumane izibonelelo ezongezelelekileyo xa besebenzisa amakhadi abo ukuze bathenge.

Ukhuseleko lwabathengi: Amakhadi okuthenga ngetyala ahlala enika ukhuseleko olongezelelekileyo kubathengi xa kukho ubuqhophololo okanye ingxabano nomrhwebi. Basenokunikela nge-inshurensi eyongezelelekileyo, njenge-inshurensi yokuhamba okanye ukhuseleko lokuthenga.

✔ Amakhadi okuhlawula ahlaziywayo okanye arhoxisiweyo

La ngamakhadi etyala apho kukhethwe indlela yokuhlawula eguquguqukayo. Bakuvumela ukuba ubuyisele ikhredithi emisiweyo ngokuhlawula izavenge ngamaxesha athile ahluka ngokwezixa ezicwangcisiweyo.

Ngaphakathi kwemida ebekwe yibhanki yakho, unokuseta isixa sediphozithi. Kodwa, qaphela ukuba ngentlawulo nganye ehlawulweyo, ikhredithi ekhoyo kwikhadi iyazaliswa. Ngamanye amazwi, ungafumana isixa semali oyihlawulayo kwisabelo ngasinye. Zeziphi iinkcukacha zamakhadi okuhlawula arhoxisiweyo?

➤ Iimpawu zamakhadi okuhlawula amisiweyo

Amakhadi okuhlawula amisiweyo, akwaziwa ngokuba ngamakhadi etyala amisiweyo, aneempawu ezithile. Nazi ezinye zeempawu zabo eziphambili:

Intlawulo erhoxisiweyo: Amakhadi okuhlawula arhoxisiweyo avumela abanini bamakhadi ukuba balibale ukuhlawula ibhalansi yekhadi ngokupheleleyo kude kube ngumhla osemva koko, ngesiqhelo ekupheleni kwenyanga elandelayo. Oku kuthetha ukuba iindleko ezenziwe ngekhadi akufuneki zibuyiselwe ngoko nangoko.

Ixesha lenceba : Amakhadi okuhlawula arhoxisiweyo anika ixesha loxolelo apho kungabizwa nzala kuzo naziphi na iindleko ezenziweyo. Eli xesha liyahluka ngokubanzi phakathi kwe-21 kunye ne-30 iintsuku ukusuka kumhla wentengiselwano. Ukuba ibhalansi ihlawulwe ngokupheleleyo phambi kokuphela kwexesha loxolelo, akukho nzala ihlawuliswayo.

Iintlawulo zenzala: Ukuba ibhalansi yekhadi ayihlawulwanga ngokupheleleyo phambi kokuphela kwexesha loxolelo, iintlawulo zenzala ziya kufakwa kwimali eseleyo. Inzala yamakhadi okuhlawula arhoxisiweyo inokwahluka, ngoko ke kubalulekile ukujonga imigaqo ethile kunye nomniki wekhadi.

Ukuba bhetyebhetye kwintlawulo: Abanini bamakhadi entlawulo emisiweyo banokukhetha ukubuyisa isixa esipheleleyo esichithiweyo nyanga nganye okanye benze iintlawulo ezincinci. Nangona kunjalo, kuyacetyiswa ukuba uhlawule imali eseleyo ngokupheleleyo kwinyanga nganye ukuphepha inzala ephezulu.

Usetyenziso oluguquguqukayo: Amakhadi okuhlawula amisiweyo anokusetyenziswa kwiimeko ezahlukeneyo, nokuba kukuthenga evenkileni, kwi-intanethi okanye ngemfonomfono, kunye nokutsalwa kwemali kwii-ATM.

Imivuzo kunye neenzuzo: Amanye amakhadi okuhlawula arhoxisiweyo abonelela ngeenkqubo zokuwonga ezifana namakhadi okuthenga ngetyala, njengamanqaku, ukubuyisela imali, okanye izibonelelo ezikhethekileyo ezinxulumene nokusebenzisa ikhadi.

✔ Amakhadi okanye izipaji ezihlawulwa kwangaphambili

Amakhadi ahlawulwa kwangaphambili akuvumela ukuba wenze iintlawulo. La makhadi awanxulumananga neakhawunti yebhanki. Ngokuqhelekileyo zisetyenziselwa ukwenza iintlawulo ezincinci kwaye zinenzuzo yokukwazi ukuyitshaja kwakhona nanini na xa sifuna.

Ngoko ke, ukuba ikhadi libiwe, ilahleko yakho ephezulu iya kuba yibhalansi ekhadini ngelo xesha. Amakhadi ahlawulwa kwangaphambili afana kakhulu namakhadi e-debit njengoko umthengi enokufumana kuphela ibhalansi ngqo kwikhadi.

➤ Iimpawu zamakhadi e-prepaid

Amakhadi ahlawulwa kwangaphambili aneempawu ezithile eziwenza ahluke kwezinye iindidi zamakhadi entlawulo. Nazi ezinye zeempawu zabo eziphambili:

Iyalayisha kwangaphambili: Amakhadi angekahlawulwa kufuneka afakwe kwisixa esithile ngaphambi kokuba asetyenziswe. Oku kuthetha ukuba umnini-khadi kufuneka afake imali kwikhadi ngaphambi kokuba athenge okanye ahlawule.

Sebenzisa kuphela ibhalansi ekhoyo: Ukuchitha ngekhadi elihlawulelwayo kukhawulelwe kwisixa ebesifakwe ngaphambili ekhadini. Emva kokuba ibhalansi ekhoyo iphelile, ikhadi alinakusetyenziswa ngaphandle kokuba lilayishwe kwakhona.

Akukho linki neakhawunti yebhanki: Ngokungafaniyo nedebhithi okanye amakhadi okuthenga ngetyala, amakhadi e-prepaid awabotshelelwanga kwiakhawunti ethile yebhanki. Zisebenza ngokuzimeleyo kwaye azinampembelelo kwimali yomnini-mntu ngaphaya kwemali elayishwe ekhadini.

Ukungaziwa: Amakhadi ahlawulelwayo adla ngokunika inqanaba elithile lokungaziwa kuba awanxibelelananga ngokuthe ngqo nesazisi somnini wekhadi. Oku kunokuba luncedo kwabo banqwenela ukugcina ubumfihlo babo ngexesha lentengiselwano yezemali.

Usetyenziso oluguquguqukayo: Amakhadi ahlawulwa kwangaphambili anokusetyenziswa ngokubanzi kwiimeko ezifanayo namanye amakhadi okuhlawula, nokuba kukuthenga evenkileni, kwi-intanethi okanye ngomnxeba. Zisenokusetyenziswa ukutsala imali koomatshini abazenzekelayo (ATM).

Akukho nzala okanye imirhumo ye-ovadrafti: Kuba amakhadi e-prepaid esebenza ngesixa esifakwe ngaphambili, akukho ntlawulo yenzala enxulumene nokusetyenziswa kwawo. Ukongezelela, akunakwenzeka ukuba uchithe ngaphezu kwebhalansi ekhoyo, ephelisa umngcipheko fumanisa.

Kubalulekile ukuqaphela ukuba iimpawu ezithile zekhadi elihlawulelwayo zinokwahluka ngokuxhomekeke kulowo ulikhuphayo kunye nemigaqo ehambelana nekhadi.

✔ Amakhadi emali eninzi

Olu hlobo lwekhadi aluthandwa njengangaphambili, kodwa likuvumela ukuba ugcwalise ikhadi lakho ngemali enye kwaye wenze iintlawulo kwiimali ezintathu okanye ezine ezahlukeneyo.

umzekelo, ukuba ndilayisha ikhadi lam ngePesos yaseMexico, eli khadi liya kundivumela ukuba ndenze iintlawulo kungekhona kuphela kwiPesos, kodwa nakwi-dollar yase-US, i-euro kunye neepounds, umzekelo.

Eli khadi lisebenza njengekhadi le-prepaid, apho imali ifakwa phambi kwayo nayiphi na intengiselwano yentlawulo. Inzuzo yeli khadi kukuba iindleko zokuguqula ukusuka kwimali enye ukuya kwenye ziyaphetshwa xa uhamba.

✔ amakhadi virtual

Amakhadi e-Virtual ngamakhadi entlawulo akhoyo kuphela kwifomu ye-elektroniki, ngaphandle kwenkxaso yomzimba. Baneempawu ezithile ezithile:

Ukusetyenziswa kwi-Intanethi: Amakhadi e-Virtual enzelwe ukuthengwa kwe-intanethi. Ngokuqhelekileyo zidibene nenombolo yekhadi, umhla wokuphelelwa yisikhathi kunye nekhowudi yokhuseleko (CVV), enokusetyenziswa ngexesha lenkqubo yokuhlawula kwiiwebhusayithi.

Ukhuseleko olomeleziweyo: Amakhadi e-Virtual abonelela ngenqanaba elongezelelweyo lokhuseleko kwiintengiselwano ze-intanethi. Ekubeni zingezomzimba, azifane zilahleke okanye zibiwe. Ukongeza, amanye amakhadi enyani asetyenziswa kanye, oko kuthetha ukuba anokusetyenziswa kube kanye kwintengiselwano ethile, ukwandisa ukhuseleko.

Ulawulo lwenkcitho: Amakhadi abonakalayo avumela abasebenzisi ukuba babeke imida ethile yenkcitho yexesha elithile. Oku kunokuba luncedo ekulawuleni inkcitho kwi-intanethi kunye nokuphepha ukuthenga into oyibonayo.

Ukungaziwa okunokwenzeka: Kwezinye iimeko, amakhadi enyani anokubonelela ngenqanaba lokungaziwa xa uthenga kwi-Intanethi. Ngenxa yokuba zingadityaniswanga ngokuthe ngqo nesazisi somnini, kunokuba nzima ngakumbi ukulandelela intengiselwano emva kumntu othile.

Ukulula kokudala kunye nokusetyenziswa: Amakhadi e-Virtual ahlala enziwe ngokukhawuleza kwaye kulula kwi-intanethi, ngaphandle kwesidingo sokutyelela ngokwasemzimbeni ibhanki okanye iziko lezemali. Ukongeza, zinokusetyenziswa ngokukhawuleza emva kokudalwa.

Ukulinganiselwa kokusetyenziswa : Amakhadi ombane anokuba nemida ethile yosetyenziso. Ngokomzekelo, azinakwamkelwa kuzo zonke iivenkile ze-intanethi okanye azinakusetyenziselwa iintlobo ezithile zentengiselwano, ezifana nokuhoxiswa kwemali kwi-automated teller machines (ATM).

🥀 Isishwankathelo...

Ukuququmbela, khetha ikhadi lakho letyala sisigqibo esibalulekileyo esixhomekeke kwizinto ezininzi zobuqu. Kubalulekile ukuqwalasela iimfuno zakho ezithile, indlela yokuphila kunye nezinto ozikhethayo ngokwasezimalini xa ukhetha ikhadi letyala.

Eli nqaku liphonononge iindidi ezahlukeneyo zamakhadi ebhanki, kubandakanywa amakhadi okuthenga ngetyala, amakhadi okuhlawula arhoxisiweyo, amakhadi ahlawulelwayo kunye namakhadi enyani. Ikhadi ngalinye kula lineempawu ezizodwa ezinokuhlangabezana neemfuno ezithile.

Xa ukhetha ikhadi letyala, kubalulekile ukuqwalasela izinto ezifana neentlawulo ezinxulumeneyo, izibonelelo kunye nemivuzo enikezelwayo, inzala, ukuba bhetyebhetye kwintlawulo, kunye nokhuseleko. Kukwacetyiswa ukuba uthelekise izibonelelo ezivela kumaziko ahlukeneyo emali ukuze ufumane ikhadi elifanele iimfuno zakho.

Ekugqibeleni, alikho ikhadi lebhanki lehlabathi elilingana nomntu wonke. Esi sisigqibo sobuqu esifunekayo ukucamngca ngenyameko. Ngokuqonda iimpawu kunye nokhetho olukhoyo, kunokwenzeka ukuba ukhethe ikhadi lebhanki eliququzelela ulawulo lwezemali lwemihla ngemihla kunye nokubonelela ngeenzuzo ezilungelelaniswe nendlela yakho yokuphila.

Nokuba uyayilawula inkcitho yakho, uyaxhamla kwimivuzo okanye uqinisekise ngokusetyenziswa ngokukhuselekileyo kwi-intanethi, ukukhetha ikhadi lebhanki elichanekileyo kunokuba negalelo kumava amnandi nasebenzayo kwezemali.

FAQ - Ungalikhetha njani ikhadi lakho lebhanki?

Umbuzo: Zeziphi iindidi ezahlukeneyo zamakhadi ebhanki?
A: Iindidi eziphambili zamakhadi ebhanki ngamakhadi okuthenga ngetyala, amakhadi okuhlawula arhoxiswayo, amakhadi ahlawulelwayo kunye namakhadi enyani.

Umbuzo: Zeziphi izinto ofanele uziqwalasele xa ukhetha ikhadi lokuthenga ngetyala?
IMPENDULO: Kubalulekile ukuba uthathele ingqalelo iimfuno zakho ezithile, indlela yokuphila kunye nezinto ozikhethayo ngokwasezimalini xa ukhetha ikhadi letyala. Kukwacetyiswa ukuba kuthathelwe ingqalelo izinto ezinje ngeentlawulo ezinxulumeneyo, izibonelelo kunye nemivuzo enikezelwayo, amazinga enzala, ukuba bhetyebhetye kwintlawulo, kunye nokhuseleko.

Umbuzo: Ndikhetha njani phakathi kwekhadi letyala kunye nekhadi lokuhlawula elirhoxisiweyo?
A: Amakhadi okuthenga ngetyala akuvumela ukuba uboleke imali ebhankini ukuze uthenge. Amakhadi okuhlawula amisiweyo akuvumela ukuba uhlehlise ukuhlawula imali eseleyo ngokupheleleyo kude kube ngumhla osemva. Ukhetho luya kuxhomekeka ekukwazini ukuhlawula imali eseleyo nyanga nganye okanye ukhetha ukurhoxiswa kwentlawulo.

Umbuzo: Zeziphi iingenelo zamakhadi e-prepaid?
A: Amakhadi ahlawulelwe kwangaphambili anikezela ngolawulo lwenkcitho, inqanaba elongeziweyo lokhuseleko kunye nenqanaba elithile lokungaziwa.

Umbuzo: Kutheni usebenzisa ikhadi elibonakalayo?
A: Amakhadi e-Virtual abonelela ngenqanaba elongezelelweyo lokhuseleko kwiintengiselwano ze-intanethi kwaye zinokudalwa ngokukhawuleza nangokulula kwi-intanethi.

Umbuzo: Ndilikhethela njani elona khadi letyala?
A: Akukho khadi lebhanki lehlabathi liphela elilingana nomntu wonke. Kubalulekile ukuqwalasela iimfuno zakho ezithile kwaye uthelekise izibonelelo ezivela kumaziko ahlukeneyo emali ukuze ufumane ikhadi elifanele iimfuno zakho.