Ungalikhetha kanjani ikhadi lakho lasebhange?

Namuhla ngikhuluma nawe ngendaba abaningi bethu abangayiqondi kahle. Leli yikhadi lasebhange. Eqinisweni, amakhadi asebhange ngokuvamile ahlotshaniswa ne-akhawunti yasebhange futhi asivumela ukuthi sikhiphe imali kuma-ATM. Inhloso yalawa makhadi ayilutho ngaphandle kokunikeza isevisi eyengeziwe.

Lawa makhadi asinikeza lula, ukuphepha kanye nesivinini ekuphatheni imali yethu. Ziphinde zisivumele ukuthi sithenge esitolo noma ku-inthanethi. Kulesi sihloko, ngethula kuwe izinhlobo ezahlukene zamakhadi asebhange ngakho ungakhetha evumelana nawe.

Ake siqale ngokuchaza imiqondo, njengoba sihlala senza. Kodwa ngaphambi kokuthi uqale, nansi ukuqeqeshwa okukuvumela ukuthi ukwenze zuza i-1000euros/Ngosuku ku-5euros.com. Chofoza lapha ukuze uyithenge

🥀 Liyini ikhadi lasebhange 

a Ikhadi lasebhange kuyindlela yokukhokha ekhishwa yibhange noma isikhungo sezezimali. Ixhunywe ku-akhawunti yasebhange futhi ivumela umnikazi wayo ukuthi enze imisebenzi yezezimali, njengokuthenga esitolo, ukuhoxiswa kwemali emishinini yokukhipha imali (ATM) noma izinkokhelo ze-inthanethi.

Ikhadi lasebhange thatha amafomu ahlukene, okuhlanganisa ikhadi ledebhithi noma ikhadi lesikweletu. Ikhadi lasebhange lixhunywe ngokuqondile nebhalansi etholakala ku-akhawunti yasebhange yomnikazi. Uma ikhadi lisetshenziswa, inani lokwenziwe lisuswa ngokushesha kubhalansi ye-akhawunti.

Ngakolunye uhlangothi, ikhadi lesikweletu livumela umnikazi walo ukuba enze kanjaloboleka imalit ebhange noma kumkhiphi wekhadi. Ukusebenzisa imali ngekhadi lokuthenga ngesikweletu kunezelwa ebhalansi okumelwe ikhokhwe kamuva, ngokuvamile nenzalo uma imali esele ingakhokhiwe ngokugcwele inyanga ngayinye.

Amakhadi asebhange ngokuvamile ane- microchip kanye nomugqa kazibuthe ukuze kube lula ukuthengiselana. Angase futhi ahlonyiswe ngezici ezengeziwe, njengezinhlelo zemiklomelo, umshwalense noma izinketho zokukhokha ngaphandle kokuthinta.

🥀 Umlando wamakhadi esikweletu

Konke kwaqala ngo-1914 ngeWestern Union, eyakhele amakhasimende ayo e-VIP ikhadi. Leli khadi libanike impatho ekhethekile kanye nethuba lokuthola amakhredithi ngaphandle kwenkokhiso. Lokhu kwaba ukufika kwamakhadi asebhange. Ukusuka lapho, ezinye izinkampani eziningi zaqala ukukhipha awazo amakhadi.

Ngaleso sikhathi, amakhadi asebhange ayehloselwe ukusetshenziswa kuphela kwesikhungo esiwakhiphile, ukwakha ukwethembeka kwamakhasimende. Lawa makhadi ayehloselwe futhi ukuhlinzeka ngokwelashwa kwe-VIP kanye nekhredithi eyenza ukuthenga ngaphakathi kwebhizinisi ngokwalo.

Nakuba, njengezinto eziningi ezisunguliwe ezinkulu, lazalwa ngengozi, ukusungulwa kwaleli mephu lokuqala kwakuzosakazeka njengegwebu. i Club Diners kwakuyikhadi lokuqala lesikweletu, elenze kwaba nokwenzeka ukukhokha ezindaweni zokudlela eziningana ezazihlangene ukuze zivumele inkokhelo ehlehlisiwe.

Njengoba yanda, izinhlangano zezezimali kulo lonke elase-United States zaqala ukukhipha amakhadi. Isikhathi ngasinye, amakhadi ayekwenza kube nokwenzeka ukukhokha ezindaweni ezengeziwe.

Ngo 1958, I-American Express ne-Bank of America, babezojoyina i-boom kulawa makhadi okwenza kwaba nokwenzeka ukuhlehlisa ukuthenga ukuze kukhokhwe inzalo encane.

MasterCard wazalwa ekupheleni kweminyaka yama-60s, okwenza ukuba agxumele eYurophu. I-VISA yazalwa ngo-1977 isuka enhlanganweni yamabhange amaningana, eholwa yiBank of America.

🥀 Izinhlobo ezahlukene zekhadi lesikweletu

Kunezinhlobo eziningana zamakhadi asebhange, ngalinye linezici zalo. Kulesi sihloko, ngithathe inkathazo ukukugqamisa izici zohlobo ngalunye lwekhadi lasebhange ukuze ngikuvumele ukuthi wenze ukukhetha kwakho kalula.

Lezi zici zizokuvumela futhi ukuthi wehlise noma ugweme izindleko ezithile zasebhange. Ngincoma ukuthi uhlole umhlahlandlela wami ku indlela yokugwema izindleko zasebhange eziphezulu.

✔️ Amakhadi edebithi

Uhlobo lokuqala lwekhadi lasebhange ohlwini lwethu ikhadi lasebhange. Iwuhlobo lwekhadi elingaba nemali elinayo kuphela ku-akhawunti yasebhange ehlobene. Okusho ukuthi, nakuba ungakwazi ukukhipha imali kuma-ATM futhi ukhokhe ezitolo, umkhawulo usebhalansi ye-akhawunti yakho.

Lolu hlobo lwekhadi lungolunye oluvame kakhulu. Ingasetshenziselwa ukukhipha ukheshi kuma-ATM, ukhokhe izikweletu ezitolo lapho yamukelwa khona. Leli khadi futhi likuvumela ukuthi wenze ukudluliselwa kanye nokunye ukuthengiselana okufana nokuhlola amabhalansi e-akhawunti, njll.

Ngokuvamile une- umkhawulo wansuku zonke ukuhoxiswa kwemali ephezulu. Kufanele uthintane nebhange lakho ukuze uthole lo mkhawulo.

➤ Izici zekhadi ledebhithi

Ikhadi ledebithi linezici ezimbalwa ezihlukile ezilenza libe indlela yokukhokha edumile nelula. Nazi ezinye zezici zayo eziyinhloko:

Ukufinyelela okuqondile ku-akhawunti yasebhange: Ikhadi lasebhange lixhunywe ngokuqondile ne-akhawunti yasebhange yomnikazi. Uma isetshenziselwa ukuthenga noma ukukhipha imali, inani elihambisanayo lisuswa ngokushesha kubhalansi etholakalayo ku-akhawunti.

Ukusetshenziswa okuhlukahlukene: Amakhadi edebithi angasetshenziswa ezimeni ezihlukahlukene. Angasetshenziselwa ukuthenga esitolo, ku-inthanethi noma ngocingo, kanye nokukhipha imali emishinini yokukhipha imali (ATM).

Ezokuphepha: Amakhadi edebithi ngokuvamile afakwe i-microchip ne-PIN (Personal Identification Number) ukuze kuqinisekiswe ukuphepha kokwenziwe. Umnikazi wekhadi kufanele afake iphinikhodi lapho enza umsebenzi, okwengeza isendlalelo esengeziwe sokuphepha.

Ayikho imali yokuboleka: Ngokungafani namakhadi esikweletu, amakhadi edebithi awakuvumeli ukuthi uboleke imali. Izindleko ezenziwe ngekhadi ledebhithi zidonswa ngokuqondile ebhalansi etholakala ku-akhawunti yasebhange yomnikazi.

Ukulandelela izindleko: Imisebenzi eyenziwa ngekhadi ledebithi ngokuvamile irekhodwa esitatimendeni se-akhawunti yasebhange yomnikazi, okwenza kube lula ukulandelela izindleko nokuphatha izimali zomuntu siqu.

Azikho izindleko zenzalo: Njengoba amakhadi edebithi engakuvumeli ukuthi uboleke imali, ngokuvamile awabizi izindleko zenzalo. Nokho, amanye amabhange angase akhokhise izimali zabasebenzisi noma izinkokhelo zemisebenzi ethile ethile.

Kubalulekile ukuqaphela ukuthi izici ezithile zekhadi ledebhithi zingahluka kuye ngebhange elikhiphile kanye nezwe elisetshenziswa kulo. Kunconywa ukuthi ubheke imigomo nezinqubomgomo zebhange ukuze uthole ulwazi oluningiliziwe ngezici ezithile zekhadi ledebhithi.

✔️ Amakhadi esikweletu

Amakhadi esikweletu ayindlela yokuxhasa ngezimali yesikhashana kumakhasimende asebhange. Lokhu kusho ukuthi ungakwazi ukuthenga uma ungenayo imali eyanele ku-akhawunti yakho.

Umehluko omkhulu ngekhadi lasebhange ukuthi ikhadi lesikweletu ehambisana nemalimboleko. Ngamanye amazwi, uma sinekhadi lesikweletu elinekhredithi engu-€5, ngisho noma singenayo imali ku-akhawunti yethu yasebhange, singahoxa kuma-ATM noma sikhokhe esitolo. kuze kufike ku- € 5.

Khumbula ukuthi ukusebenzisa ikhadi lesikweletu kunemiphumela efanayo nanoma iyiphi enye indlela yekhredithi. Ngamanye amazwi, uphoqelekile ukubuyisela imali futhi ukhokhe inzalo oyenzile.

➤ Izici zekhadi lesikweletu

Ikhadi lesikweletu linezici ezimbalwa ezihlukile ezilenza libe yindlela yokukhokha edumile nehlukahlukene. Nazi ezinye zezici zayo eziyinhloko:

Ukuboleka imali: Ngokungafani nekhadi ledebithi, ikhadi lesikweletu livumela umnikazi walo ukuthi aboleke imali ebhange elikhiphayo noma isikhungo sezezimali. Izindleko ezenziwe ngekhadi zengezwa ebhalansi okufanele ibuyiselwe emuva kwesikhathi.

Isikhathi somusa : Amakhadi esikweletu ngokuvamile anikeza isikhathi somusa lapho kungekho nzalo ekhokhiswayo ezindlekweni ezenziwe. Lesi sikhathi ngokuvamile sihluka phakathi kwezinsuku ezingama-21 nezingu-30 kusukela ngedethi yokwenziwayo. Uma ibhalansi ibuyiselwa ngokugcwele ngaphambi kokuphela kwesikhathi somusa, ayikho inzalo ekhokhiswayo.

Izindleko zenzalo: Uma ibhalansi yekhadi lesikweletu ingabuyiselwa ngokugcwele ngaphambi kokuphela kwesikhathi somusa, izinkokhiso zenzalo zizosetshenziswa kwibhalansi esele. Izilinganiso zenzalo yekhadi lesikweletu zingahluka kakhulu, ngakho-ke kubalulekile ukuhlola imigomo ethile nomkhiphi wekhadi.

Ukuvumelana nezimo zokukhokha: Amakhadi esikweletu anikeza ukuguquguquka ngokwemibandela yokukhokha. Abanikazi bamakhadi bangakhetha ukubuyisela inani eliphelele elisetshenziswe inyanga ngayinye noma benze izinkokhelo ezincane, ngokuvamile ezihlanganisa inzalo. Kodwa-ke, kuyanconywa ukuthi ukhokhe ibhalansi ngokugcwele inyanga ngayinye ukuze ugweme izindleko zenzalo ephezulu.

Imiklomelo nezinzuzo: Amakhadi amaningi okuthenga ngesikweletu anikeza izinhlelo zokuklomelisa, njengamaphoyinti, imali emuva noma amamayela endiza, avumela abanikazi bamakhadi ukuba bathole izinzuzo ezengeziwe lapho besebenzisa ikhadi labo ukuze bathenge.

Ukuvikelwa kwabathengi: Amakhadi esikweletu ngokuvamile anikeza ukuvikeleka okwengeziwe kubathengi uma kwenzeka ukukhwabanisa noma ingxabano nomthengisi. Bangase futhi banikeze umshwalense owengeziwe, njengomshwalense wokuhamba noma ukuvikelwa kokuthenga.

✔️ Amakhadi okukhokha avuselelekayo noma ahlehlisiwe

Lawa amakhadi esikweletu lapho kukhethwe indlela yokukhokha evumelana nezimo. Bakuvumela ukuthi ubuyisele ikhredithi ehlehlisiwe ngokukhokha izitolimende ngezikhathi ezithile ezihluka ngokwamanani ahleliwe.

Ngaphakathi kwemikhawulo ebekwe yibhange lakho, ungasetha inani lediphozithi. Kodwa, qaphela ukuthi ngenkokhelo ngayinye ekhokhiwe, isikweletu esitholakalayo ekhadini siyagcwaliswa. Ngamanye amazwi, ungathola inani lemali oyikhokhayo ngesheya ngalinye. Iyini imininingwane yamakhadi okukhokha ahlehlisiwe?

➤ Izici zamakhadi okukhokha ahlehlisiwe

Amakhadi okukhokha ahlehlisiwe, aziwa nangokuthi amakhadi esikweletu ahlehlisiwe, anezici ezithile ezithile. Nazi ezinye zezici zabo eziyinhloko:

Ukuhlehliswa kwenkokhelo: Amakhadi okukhokha ahlehlisiwe avumela abanikazi bamakhadi ukuthi bahlehlise ukukhokha ibhalansi yekhadi ngokugcwele kuze kube usuku lwakamuva, ngokuvamile ekupheleni kwenyanga elandelayo. Lokhu kusho ukuthi izindleko ezenziwe ngekhadi akudingekile ukuthi zibuyiselwe ngokushesha.

Isikhathi somusa : Amakhadi okukhokha ahlehlisiwe ngokuvamile anikeza isikhathi somusa lapho kungekho nzalo ekhokhiswayo kunoma yiziphi izindleko ezenziwe. Lesi sikhathi ngokuvamile siyahlukahluka phakathi kwezinsuku eziyi-21 nezingama-30 kusukela ngedethi yokwenziwayo. Uma ibhalansi ibuyiselwa ngokugcwele ngaphambi kokuphela kwesikhathi somusa, ayikho inzalo ekhokhiswayo.

Izindleko zenzalo: Uma ibhalansi yekhadi ingabuyiselwa ngokugcwele ngaphambi kokuphela kwesikhathi somusa, izinkokhiso zenzalo zizosetshenziswa kwibhalansi esele. Izilinganiso zenzalo zamakhadi okukhokha ahlehlisiwe zingahluka, ngakho-ke kubalulekile ukuhlola imigomo ethile nomkhiphi wekhadi.

Ukuvumelana nezimo zokukhokha: Abanikazi bamakhadi okukhokha abahlehlisiwe banenketho yokubuyisela inani eliphelele elisetshenziswe inyanga ngayinye noma benze izinkokhelo ezincane. Kodwa-ke, kuyanconywa ukuthi ukhokhe ibhalansi ngokugcwele inyanga ngayinye ukuze ugweme izindleko zenzalo ephezulu.

Ukusetshenziswa okuhlukahlukene: Amakhadi okukhokha ahlehlisiwe angasetshenziswa ezimeni ezihlukahlukene, noma ukuthenga esitolo, ku-inthanethi noma ngocingo, kanye nokukhipha imali emishinini yokukhipha imali ezenzakalelayo (ATM).

Imiklomelo nezinzuzo: Amanye amakhadi okukhokha ahlehlisiwe anikeza izinhlelo zemiklomelo ezifana namakhadi esikweletu endabuko, njengamaphoyinti, ukubuyiselwa imali, noma izinzuzo ezikhethekile ezihlobene nokusebenzisa ikhadi.

✔️ Amakhadi akhokhelwa ngaphambili noma izikhwama zemali

Amakhadi akhokhelwa kusengaphambili akuvumela ukuthi ukhokhe. Lawa makhadi awahlobene ne-akhawunti yasebhange. Ngokuvamile zisetshenziselwa ukwenza izinkokhelo ezincane futhi zibe nenzuzo yokukwazi ukuyishajela noma nini lapho sifuna.

Ngakho-ke, uma ikhadi lebiwe, ukulahlekelwa kwakho okuphezulu kuzoba ibhalansi ekhadini ngaleso sikhathi. Amakhadi akhokhelwa kusengaphambili afana kakhulu namakhadi edebithi njengoba ikhasimende lingaba nebhalansi enembile kuphela ekhadini.

➤ Izici amakhadi esikhokhelwa

Amakhadi akhokhelwa kusengaphambili anezici ezithile eziwenza ahluke kwezinye izinhlobo zamakhadi okukhokha. Nazi ezinye zezici zabo eziyinhloko:

Ukulayisha ngaphambilini: Amakhadi akhokhelwa kusengaphambili kufanele alayishwe inani elithile ngaphambi kokuba asetshenziswe. Lokhu kusho ukuthi umnikazi wekhadi kufanele afake izimali ekhadini ngaphambi kokuba athenge noma akhokhe.

Sebenzisa okulinganiselwe kubhalansi etholakalayo: Ukusebenzisa ikhadi elikhokhelwa ngaphambili kukhawulelwe enanini ebelilayishwe ekhadini ngaphambilini. Uma ibhalansi etholakalayo isiphelile, ikhadi ngeke lisetshenziswe ngaphandle kokuthi lilayishwe kabusha.

Asikho isixhumanisi esine-akhawunti yasebhange: Ngokungafani namakhadi edebhithi noma esikweletu, amakhadi akhokhelwa kusengaphambili awaboshelwe ku-akhawunti ethile yasebhange. Zisebenza ngokuzimele futhi azinawo umthelela ezimalini zomnikazi womuntu siqu ngale kwenani elilayishwe ekhadini.

Ukungaziwa: Amakhadi akhokhelwa kusengaphambili ngokuvamile anikeza izinga elithile lokungaziwa ngenxa yokuthi awaxhumene ngokuqondile nokuthi ungubani umnikazi wekhadi. Lokhu kungaba yinzuzo kulabo abafisa ukugcina ubumfihlo babo ngesikhathi semisebenzi yezezimali.

Ukusetshenziswa okuhlukahlukene: Amakhadi akhokhelwe ngokuvamile angasetshenziswa ezimeni ezifanayo njengamanye amakhadi okukhokha, noma ngabe ukuthenga esitolo, ku-inthanethi noma ngocingo. Angasetshenziswa futhi ukukhipha imali emishinini yokukhipha imali (ATM).

Ayikho inzalo noma izinkokhelo ze-overdraft: Njengoba amakhadi akhokhelwa ngaphambili esebenza nenani elilayishwe kuqala, azikho izinkokhiso zenzalo ezihlobene nokusetshenziswa kwawo. Ngaphezu kwalokho, akunakwenzeka ukusebenzisa imali engaphezu kwebhalansi etholakalayo, eqeda ingozi Yekuchumana © ehlanganiswa.

Kubalulekile ukuqaphela ukuthi izici ezithile zekhadi elikhokhelwa kusengaphambili zingahluka kuye ngomnikezi kanye nemibandela ehambisana nekhadi.

✔️ Amakhadi emali eningi

Lolu hlobo lwekhadi aludumile njengangaphambili, kodwa likuvumela ukuthi ugcwalise ikhadi lakho ngemali eyodwa futhi ukhokhe ngezinhlobo zemali ezintathu noma ezine ezihlukene.

Isibonelo, uma ngilayisha ikhadi lami nge-Pesos yaseMexico, leli khadi lizongivumela ukuba ngikhokhe hhayi kuphela nge-Pesos, kodwa futhi ngamadola ase-US, ama-euro namaphawundi, isibonelo.

Leli khadi lisebenza njengekhadi elikhokhelwa ngaphambili, lapho imali ifakwa khona ngaphambi kwanoma yiziphi izinkokhelo. Inzuzo yaleli khadi ukuthi izindleko zokushintsha usuka kolunye uhlobo lwemali uye kolunye ziyagwenywa uma uhamba.

✔️ amakhadi virtual

Amakhadi abonakalayo amakhadi okukhokha atholakala kuphela ngefomu le-elekthronikhi, ngaphandle kokusekelwa ngokomzimba. Banezici ezithile ezithile:

Ukusetshenziswa ku-inthanethi: Amakhadi abonakalayo aklanyelwe ukuthengwa ku-inthanethi. Ngokuvamile zihlotshaniswa nenombolo yekhadi, usuku lokuphelelwa yisikhathi kanye nekhodi yokuphepha (CVV), engasetshenziswa phakathi nenqubo yokukhokha kumawebhusayithi.

Ukuphepha okuthuthukisiwe: Amakhadi abonakalayo ahlinzeka ngezinga elengeziwe lokuphepha kokwenziwe ku-inthanethi. Njengoba zingezona ezenyama, mancane amathuba okuba zilahleke noma zebiwe. Ukwengeza, amanye amakhadi e-virtual asetshenziswa kanye, okusho ukuthi angasetshenziswa kanye kuphela ekwenzeni okuthile, okwandisa ukuphepha.

Ukulawula izindleko: Amakhadi abonakalayo avumela abasebenzisi ukuthi babeke imikhawulo ethile yokusebenzisa isikhathi esithile. Lokhu kungaba usizo ekulawuleni ukusetshenziswa kwe-inthanethi nokugwema ukuthenga okungahleliwe.

Ukungaziwa okungase kube khona: Kwezinye izimo, amakhadi abonakalayo angahlinzeka ngezinga lokungaziwa lapho uthenga ku-inthanethi. Njengoba zingaxhumene ngokuqondile nokuthi ungubani umnikazi, kungase kube nzima kakhulu ukulandelela okwenziwayo ubuyela kumuntu othile.

Ukudala nokusebenzisa kalula: Amakhadi abonakalayo ngokuvamile angadalwa ngokushesha futhi kalula ku-inthanethi, ngaphandle kwesidingo sokuvakashela ibhange noma isikhungo sezezimali. Ukwengeza, zingasetshenziswa ngokushesha ngemva kokudalwa.

Ukusebenzisa Imikhawulo : Amakhadi abonakalayo angase abe nemikhawulo ethile yokusetshenziswa. Isibonelo, zingase zingamukelwe kuzo zonke izitolo eziku-inthanethi noma zingasebenziseki ezinhlotsheni ezithile zentengiselwano, njengokuhoxiswa kwemali emishinini yokukhipha imali ezenzakalelayo (ATM).

🥀 Isifinyezo...

Ekuphetheni, khetha ikhadi lakho lesikweletu kuyisinqumo esibalulekile esincike ezintweni eziningi zomuntu siqu. Kubalulekile ukucabangela izidingo zakho ezithile, indlela yokuphila kanye nezinketho zezimali lapho ukhetha ikhadi lasebhange.

Isihloko sahlola izigaba ezihlukene zamakhadi asebhange, okuhlanganisa amakhadi esikweletu, amakhadi okukhokha ahlehlisiwe, amakhadi akhokhelwa ngaphambili namakhadi abonakalayo. Ikhadi ngalinye kulawa linezici ezihlukile ezingahlangabezana nezidingo ezithile.

Lapho ukhetha ikhadi lesikweletu, kubalulekile ukucabangela izinto ezifana nezinkokhelo ezihlobene, izinzuzo nemiklomelo enikezwayo, izilinganiso zenzalo, ukuvumelana nezimo zokukhokha, nokuphepha. Kuyanconywa futhi ukuqhathanisa okunikezwayo okuvela ezikhungweni zezimali ezihlukene ukuze uthole ikhadi elizifanela kangcono izidingo zakho.

Ekugcineni, alikho ikhadi lasebhange lomhlaba wonke elifanela wonke umuntu. Lesi yisinqumo somuntu siqu esidingayo ukucabanga ngokucophelela. Ngokuqonda izici nezinketho ezitholakalayo, ungakhetha ikhadi lasebhange elisiza ukuphathwa kwezimali kwansuku zonke futhi linikeze izinzuzo ezihambisana nendlela yakho yokuphila.

Ukuthi uzophatha indlela osebenzisa ngayo imali, uzuze emiklomelweni noma uqinisekise ukusetshenziswa okuphephile ku-inthanethi, ukukhetha ikhadi lebhange elifanele kungaba nomthelela ekuzizwiseni ngezezimali okumnandi nokusebenzayo.

I-FAQ - Ungalikhetha kanjani ikhadi lakho lasebhange?

Umbuzo: Yiziphi izigaba ezahlukene zamakhadi asebhange?
IMP: Izigaba eziyinhloko zamakhadi asebhange amakhadi esikweletu, amakhadi okukhokha ahlehlisiwe, amakhadi akhokhelwa kuqala namakhadi abonakalayo.

Umbuzo: Yiziphi izici okufanele uzicabangele lapho ukhetha ikhadi lesikweletu?
IMP: Kubalulekile ukucabangela izidingo zakho ezithile, indlela yokuphila kanye nezinketho zezimali lapho ukhetha ikhadi lesikweletu. Kuphinde kunconywe ukucabangela izinto ezifana nezinkokhelo ezihambisanayo, izinzuzo nemiklomelo enikezwayo, izilinganiso zenzalo, ukuguquguquka kwenkokhelo nokuphepha.

Umbuzo: Ngikhetha kanjani phakathi kwekhadi lesikweletu nekhadi lokukhokha elihlehlisiwe?
IMP: Amakhadi esikweletu akuvumela ukuthi uboleke imali ebhange ukuze uthenge. Amakhadi okukhokha ahlehlisiwe akuvumela ukuthi uhlehlise ukukhokha ibhalansi ngokugcwele kuze kube usuku olukamuva. Inketho izoncika emandleni okukhokha ibhalansi njalo ngenyanga noma ukhethe ukuhlehliswa kwenkokhelo.

Q: Yiziphi izinzuzo zamakhadi esikhokhelwa?
IMP: Amakhadi akhokhelwa kusengaphambili anikeza ukulawula ukusetshenziswa kwemali, izinga elingeziwe lokuvikeleka kanye nezinga elithile lokungaziwa okungase kube khona.

Umbuzo: Kungani usebenzise ikhadi elibonakalayo?
IMP: Amakhadi abonakalayo ahlinzeka ngezinga elengeziwe lokuphepha lokuthenga ku-inthanethi futhi angadalwa ngokushesha futhi kalula ku-inthanethi.

Umbuzo: Ngingangikhethela kanjani ikhadi lesikweletu elingcono kakhulu?
IMP: Alikho ikhadi lasebhange lomhlaba wonke elifanela wonke umuntu. Kubalulekile ukucabangela izidingo zakho ezithile futhi uqhathanise okunikezwayo okuvela ezikhungweni zezimali ezehlukene ukuze uthole ikhadi elizifanela kangcono izidingo zakho.