Ingabe ukuqandisa ikhadi kuzomisa okwenziwayo okulindile? Ukubanda a ikhadi ngeke limise okwenziwayo njengoba ukugunyazwa sekwenziwe kakade. Uma ufisa ukukhansela okwenziwayo okulindile, kuzodingeka uxhumane nomthengisi ASAP noma ibhange lakho uma umthengisi ehluleka ukubambisana.
Ngikukhansela kanjani okwenziwayo okulindile? Okwenziwayo okulindile kuzothinta inani lesikweletu noma izimali onazo. Ukukhansela okwenziwayo okulindile kuvame ukudinga ukuxhumana nomthengisi okhokhise. Uma ukuthengiselana okulindile sekuthumele, xhumana nebhange lakho noma nomnikezeli wekhadi ukuphikisa.
Ingabe izindleko ezilindile zizodlula uma ngikhiya ikhadi lami?
Yikuphi ukuthengiselana okukhiyiwe? Uma ukhiya ikhadi, izindleko ezintsha kanye nemali ekhokhwayo izokwenqatshwa. Kodwa-ke, izinkokhelo ezizenzakalelayo eziphindelelayo, njengokubhaliselwe kanye nezindleko zanyanga zonke ezikhokhiswa ekhadini, zizoqhubeka ziqhubeka. … Imisebenzi eyenzeka ngaphambi kokukhiya ikhadi ayithintwa.
Ngingakwazi ukushayela ibhange lami ukuze likhansele umsebenzi osalindile?
Uma udinga ukukhansela umsebenzi wokudonswa kwemali okusalindile, isinyathelo sakho sokuqala ngokuvamile sihilela ukuxhumana nomthengisi ukuze uthole usizo. Nokho, ibhange lakho ngokuvamile lingakusiza uma ukudonswa kwemali okulindile okulindile kubonakala kuwumgunyathi noma uma umthengisi engabonakali engafuni ukusebenzisana nawe ukuze alungise inkinga.
Kuthatha isikhathi esingakanani ukuthengiselana okulindile ukusula iCommonwealth Bank?
Okwenziwayo okulindile kuvame ukuthatha Izinsuku zebhizinisi ezingama-3 kuye kwezingu-5 ukucubungula. Nakuba ezinye zingathatha izinsuku zebhizinisi ezingafika kweziyi-10. Uma uvumela umthengisi asebenzise ikhadi lakho ezinkokhelweni ezigunyazwe kusengaphambili (njengediphozithi yesibambiso yokubhukha ihhotela noma ukuqasha imoto), ungalindela ukulinda izinsuku ezingafinyelela kweziyi-7 ukuze izinkokhelo zakho zibuyiselwe kuwe.
Ingabe iBhange lingakwazi ukumisa ukuthengiselana okulindile kwekhadi lesikweletu?
Ngeshwa, abakhiphi bekhadi ngokuvamile abakuvumeli ukuthi uphikise inkokhiso elindile. … Uma ungathanda ukukhansela okwenziwayo okulindile, cela umthengisi ukuthi athinte umkhiphi futhi awukhansele. Izimali zizobe sezitholakala kuwena.
Ingabe Ukukhansela ikhadi lami ledebithi kuyeka ukulinda ukuthengiselana?
Cha. Noma yikuphi okwenziwayo okulindile osekutholile kakade ukugunyazwa kuzocutshungulwa futhi kukhokhwe.
Kwenzekani uma ngikhansela ikhadi lami ngesikhathi kusalindwe okwenziwayo?
Usazoba nesibopho sanoma yiziphi izinkokhiso ezisalindile ekhadini lakho lesikweletu uma ukhansela ikhadi ngaphambi kokuthunyelwe kwezindleko. Nokho, inkampani yekhadi lakho lesikweletu ingase ingakuvumeli ukuthi uvale ikhadi uma izindleko zilindile.
Ingabe ukuqandisa ikhadi lakho kumisa ukudonswa kwemali okuqondile?
Ukuqandisa ikhadi lakho ngeke kume:
Izikweletu eziqondile kanye nama-oda amile. noma yiziphi izicelo zokukhokha ikhadi ezigunyazwe ngaphambi kokuthi umise ikhadi. izinkokhelo ze-digital wallet, ezifana ne-Apple Pay, i-Google Pay noma i-Samsung Pay zabasebenzisi bamakhadi esikweletu.
Ingabe okusalindile kuzokwenzeka uma ikhadi ledebithi Likhanselwa?
Cha. Noma yikuphi okwenziwayo okulindile osekutholile kakade ukugunyazwa kuzocutshungulwa futhi kukhokhwe.
Kungani ukuthengiselana okulindile kwekhadi lesikweletu kunyamalala?
Okwenziwayo okulindile kungase kunyamalale ngenxa yezizathu ezintathu eziyinhloko: uma umsebenzi usucutshunguliwe, wagunyazwa, futhi wathunyelwa, uma kube nephutha elenziwe ngenkathi kwenziwa umsebenzi, futhi uma umthengisi ehlulekile ukufuna imali. Imisebenzi esele ingavela futhi inyamalale; kuyenzeka.
Umthengisi unesikhathi esingakanani ukuphothula umsebenzi?
Ukugunyazwa kwekhadi lesikweletu kungahlala isikhathi eside phakathi kwezinsuku ezingama-1-30, kuye ngohlobo lomthengisi nokuthi bayakususa yini ukubamba ngaphambi kokuthi kuphelelwe yisikhathi.
Ngikukhansela kanjani okwenziwa yibhange le-Commonwealth okulindile?
Iya kokuthi Okukhokhelwayo> Uhlu Lwesimo Seqembu Lokwenziwayo ukuze uthole isimo sokwenziwe.
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Uma isigunyazo sesisusiwe, umgunyazi angenqaba inkokhelo:
- Iya kokuthi Okukhokhelwayo> Ukugunyazwa Kudingeka.
- Thikha ibhokisi eduze kokwenziwe ofuna ukukukhansela.
- Chofoza okuthi Nqaba> Qinisekisa.
Kungani ukuthengiselana okulindile kunyamalala?
Okwenziwayo okulindile kungase kunyamalale ngenxa yezizathu ezintathu eziyinhloko: uma umsebenzi usucutshunguliwe, wagunyazwa, futhi wathunyelwa, uma kube nephutha elenziwe ngenkathi kwenziwa umsebenzi, futhi uma umthengisi ehlulekile ukufuna imali. Imisebenzi esele ingavela futhi inyamalale; kuyenzeka.
Kusho ukuthini okulindile kusho ukuthini umphakathi?
Ezinye izinkokhelo, ukukhishwa kwemali noma amadiphozithi kungase kubonakale njengokulindile ku-akhawunti yakho kuze kube yilapho umsebenzi usucutshungulwe ngokugcwele (ngokuvamile izinsuku zebhizinisi ezi-3-5). … Ibhalansi elindile ingu inani lemisebenzi eyenziwe kodwa esacutshungulwa, okungathatha izinsuku ezimbalwa ukuqeda.
Ingabe okwenziwayo kuhlala isikhathi esingakanani kulindile i-Barclays?
Umsebenzi 'okusalindile' - osekulungele ukuthathwa ku-akhawunti yakho, kodwa ongase uthathwe izinsuku ezimbalwa ukuze kusetshenzwe ngokugcwele. Asikwazi ukusiza ngezinto ezisalindile - uzodinga ukulinda zize zicutshungulwe.
Ungakwazi yini ukumisa ukuthenga ngekhadi lesikweletu okulindile?
Inketho engcono kakhulu yokukhansela okwenziwayo okulindile ekhadini lesikweletu ukuze uxhumane nomthengisi futhi uphikise inkokhiso. Enye inketho ukuxhumana nomhlinzeki wakho wekhadi lesikweletu futhi wenze isicelo sakho. Inketho yesi-2 kufanele yamukelwe uma umthengisi ehluleka ukuthobela.
Ibhange lingavala isikhathi esingakanani i-akhawunti yakho ngomsebenzi osolisayo?
Uma ibhange lakho livala i-akhawunti yakho ngesenzo esisolisayo, ukubanjwa noma ukuvinjelwa kuzothatha isikhathi eside Mayelana nezinsuku ze-10 ngezimo ezilula. Kodwa-ke, uma udaba lwakho luxakile, i-akhawunti yakho yasebhange ingase ingamiswa kuze kube ngemva kwezinsuku ezingu-30 noma ngaphezulu.
Ungakwazi yini ukuthola imbuyiselo uma ikhadi lakho lifriziwe?
Ngisazoyithola? Imali ethunyelwa ku-akhawunti yakho ngenkathi ikhadi limisiwe isazofika ku-akhawunti yakho futhi uvele ohlwini lwakho lwebhalansi nokwenziwe.
Ngazi kanjani uma ikhadi lami lifriziwe?
Ama-Akhawunti Ebhange Afriziwe
Ibhange lakho futhi lingase lenqabe noma yimiphi imisebenzi eqhubekayo. Isibonelo, amasheke owabhalile angase agxume, ukukhokha okuzenzakalelayo kwebhili kanye nokuthenga ngekhadi ledebhithi ingase yenqatshwe futhi, ngokusho kwe-HelpWithMyBank.gov, ibhange lakho lingase likukhokhise izimali zalokhu kuthenga, liqede i-akhawunti yakho.
Kwenzekani uma ukhansela ikhadi elinemisebenzi elindile?
Uma unezindleko ezisalindile futhi ufuna ukukhansela ikhadi lakho lesikweletu, okukhiphayo angeke akuvumele ukuthi uvale ikhadi. Uma okhiphile evala ikhadi ngokwakhe noma ngesicelo sakho, usazobhekana nezindleko.
Kuthatha isikhathi esingakanani ukuthengiselana okulindile ukuphelelwa yisikhathi kwe-Capital One?
1. Kuyini ukuthengiselana okulindile? Okwenziwayo okulindile kuyacutshungulwa kodwa akukakathunyelelwa ku-akhawunti yakho. Angasuswa kuphela umthengisi futhi angahlala ku-akhawunti yakho kuze kube izinsuku ezinhlanu.
Yini umsebenzi wasebhange osalindile?
Okwenziwayo okulindile yilezi okwenziwayo okungakacutshungulwa ngokugcwele. … Uma ibhange selithumelele umthengisi imali ekweletwayo, okwenziwayo ngeke kusabonisa incazelo elindile ku-inthanethi noma ngokubhanga ngeselula, futhi okwenziwayo kuzobhekwa njengokuphelele noma kuthunyelwe.