Indlela yokusebenza kunye nekhuselekileyo kunye namakhadi enkampani yakho
Amashishini ngoku ajongene nenengozi enkulu ebangelwa ngabagculeli kunye nabakhohlisi. Ukusetyenziswa kwamathuba okwenziwa kwamakhadi edoti kunye nekhredithi ngokutsha kwandula ukuvula umgwaqo omkhulu kubabuqhetseba ukulawula iinkcukacha zeenkampani kunye nokwenza ukuthenga okungadingekile kunye nokwenza iindleko ezithatyathwe ngumnini-shishini. Oku kwenzeni ukuba amabhizinisi alahlekelwe iibhiliyoni kwingeniso ngokuhlawula ukuthenga okanye iindleko abazange bazibandakanye kuzo.
Ngako oko, kubaluleke kakhulu kunoma yimuphi umnini webhishini ngamakhadi ekhredithi ukuze ahlale ephapheme xa efika ekusebenziseni iikhadi lamatyala ekhredithi. Ngelishwa, nangona kunjalo, akubona bonke abanikazi boshishini abanakho ukuqonda ukuba ngaba ikhadi labo lekhredithi lixhatshazwe okanye cha. Namhlanje, sifuna ukugxininisa iimpawu ezilumkiso zokuhlukunyezwa kwekhadi lokuthenga ngetyala kunye neyiphi inyathelo kufuneka umnikazi webhishini athathe ukukhusela nayiphi na enye umonakalo onokubangelwa.
Iimpazamo kwiSitatimende sakho seKhadi leKhadi
Le ngenye yeempawu eziqhelekileyo ukuba ikhadi lakho lekhredithi lisetyenziswe ngumntu wesithathu ngaphandle kwemvume yakho. Nanini na xa ufumana isitatimenti sekhadi lakho lesikweletu ngenyanga, emva kweenyanga ezintathu okanye ngexesha elingakanani kuxhomekeke kumniki-khadi wakho wekhredithi, kucetyiswa ukuba uhambe nge-statement kwaye uhlolisise yonke intsebenzo ngokunyaniseka nangokucokisekileyo.
Xa ufumanisa iimpazamo ezithile kwisitatimende sakho, musa ukucinga nje ukuba ziphoso ezenziwa ngumniki wekhadi lokuthenga ngetyala. Ukucinga okunje kunokukudukisa kwaye kubangele umonakalo kwixesha elizayo.
Emva kokuba uqaphela ukuba isitatimende sakho sekhadi lesikweletu sinempazamo efana nokuthengwa okungagunyaziswanga okanye nayiphi na intengiso yekhompyutha, eli liflegi ebomvu ukuba ikhadi lekhredithi yenkampani yakho lixhaphazwe. Xa oko kwenzeka, qha ga mshelana nomthengisi wamakhadi wesikweletu kwaye ubike ingxaki yokuphanda. Ukwacetyiswa kwakhona ukuba utshintshe iiphasiwedi zakho ngokukhawuleza ukuba ubiza umnini-khadi ukukhusela umonakalo omkhulu.
Iimpazamo kwiNgxelo yakho yeMboleko
Ngokutsho kweenkampani ezininzi zokwazisa i-identity, emva kokuba i-fraudster ifumana ulwazi lwekhadi lesikweletu lakho lenkampani baya kuhamba phambili kwaye benze kuqala uphando malunga nekhredithi yakho. Okwesibini, abaninzi babo baya kuvula ii-akhawunti ezintsha usebenzisa ikhadi lakho leenkampani . Into enhle kukuba ukuba ayingatshintshi i-imeyile yakho, ingxelo yakho yekhredithi iya kubonakalisa yonke le ngcaciso. Xa ingxelo yakho yekhredithi itholakala kuwe, thatha ixesha lakho kwaye uhlolisise ukuba ingxelo ingenayo impawu. Ukuba kukho i-akhawunti entsha okanye umbuzo wekhredithi ongazange uyenze, khawuleza uqhagamshelane ne- arhente yokubika ngetyala eyenza ikhuphe ingxelo yengxelo yemboleko kunye nokuthetha nekhampani kwikhadi lekhredithi ukwenzela ukuba uqhube phambili.
Xa udibanisa i-arhente yokubhengisa ngetyala, misela ukuba yeyiphi i-akhawunti ayikho ubuqhetseba. Unokuqhubeka kwaye uphakamise uqaphelo lokukhwabanisa kwi-akhawunti yakho okanye udale i-akhawunti yomngcipheko kwi-akhawunti yakho.
I-Akhawunti Yakho ikhutshwe
Esi sinye nesinye isibonakaliso sokulumkisa ukuba ngokwenene ubuqhetseba usebenzisa i-akhawunti yakho ngaphandle kolwazi lwakho. Amashishini amaninzi ekhadi lamatyala athambekele ekulandeleni into eyenziwa yinkampani kunye namakhadi ayo ekhredithi kwaye nanini na kukho utshintsho kwimiqathango ngokwemiqathango yokuthengiselana, umniki wekhadi unokukhawulela i-akhawunti yakho ukuze akuqaphele ukuba kukho into engalunganga okanye isitenxo kwiakhawunti yakho. Xa oko kwenzeka, kufuneka kuqala okokuqala ucele ingxelo yengxelo yesikweletu evela kwiphina i-credit bureau kwaye ubone ukuba ngaba kukho ukuthengiselana kwekhadi lakho lekhredithi elisetyenzisiweyo ngaphandle kolwazi lwakho.
Xa oku kwenzeka, kuya kuba luncedo ukuba uqhagamshelane nomkhupheli wekhadi ngokukhawuleza ukuqinisekisa ukuba akukho mveliso ethe xaxa evunyelwe kwikhadi lakho lesikweletu. Oku kubizwa ngokuba yi-credit freeze. Uphando luya kwenziwa ngokokuba ufumanise ukuba i-akhawunti idibene. Ngoko ke, inkampani iya kuthi ikhuphe ikhadi ukuze kungabi nakwezinye iintengiso ezenziwa ngumkhwabanisi.
Abaqokeleli amatyala Ababizayo
Ngamanye amaxesha ezinye iifowuni ezingaqhelekanga zingaqhubeka zivela kubantu abahlukeneyo ngakumbi kwii-arhente zokuqokelela amatyala zicela imali yazo. Into embi kukuba njengomnini-shishini, awukwazi ukuba yiyiphi into ehlawulwe ngala matyala. Awazi na ukuba ibhizinisi lakho lenze ntoni la matyala. Xa kukho umcimbi onjalo ovela kwikota yokuqhuba ibhizinisi lakho, kuya kuba kuhle ukuba uqale ucele ubungqina bentyala. Ungathumela ngokuqinisekileyo ileta yokuqinisekisa kumqokeleli wesikweletu obuza ukuba ityala lithini xa kuthe kwenzeka kunye nezinye iinkcukacha ezinokukunceda ukuba wenze phantsi kwezinto ezenzekile. Ukuba ucinga ukuba awunabo uxanduva lwetyala, qhubeka phambili kwaye uphikisana netyala kwaye kamva ufake ifomu yokuba ulwabiwo-mali kumagosa afanelekileyo ukuze uphando olongezelelweyo. Kuya kuba kuhle ukuba ucele ingxelo yengxelo yemboleko evela kwii-credit bureaus ukwenzela ukuba uqinisekise ukuba akukho zikhompyutheni ezivulekileyo.
Uyeka ukufumana ii-imeyile ukusuka kuMshugi weKhadi
Kuqhelekileyo kwishishini lakho ukuba umnikazi wekhadi afumane izaziso malunga nayiphi na intsebenzo okanye nayiphi na ingcaciso enxulumene nekhadi lakho lekhadi lesikweletu. Oku kufanele kwenzeke ngokukhawuleza ukwenzela ukuba ukwazi ukugcina umkhondo kunye nokuvala iithebhu ze-akhawunti yakho. Nangona kunjalo, kunokufikelela ixesha apho ii-imeyili zingangeni kwiibhokisi lakho lebhokisi engenayo kwaye ukwenza iintlobo ezahlukeneyo ngekhadi lesikweletu. Le ncwadana ebomvu ngokukhawuleza ukuba omnye umntu utshintshile ulwazi lwekhadi lekredithi yenkampani. Endaweni yokuba ufumane ii-imeyile, ii-imeyile ziye zahanjiswa kwi-imeyile ye-fraudster. Xa oko kwenzeka, siyakumcebisa ukuba udibanisa umniki wekhadi kunye neposista yeposi ngaphambi kokuba iintlawulo zihlawulwe ngenxa yezenzo ezingaphezulu. Ukuba uyalibaziseka, unokugqiba ukuhlawula iindleko ezingazange zenzeke yinkampani yakho.
Iintlawulo ezingaqhelekanga kwiKhadi lakho leKhadi
Abakhohlisi abakhathaleli ukuba izenzo zabo zihlala kwiingxaki zemali ezinokuthi zibeke inkampani yakho inceba yabathengi. Xa ikharusidi yamakhadi ekhredithi ibamba iinkcukacha zekhadi lakho lesikweletu, ziyakwazi ukuqhubeka kwaye ziqhubeke zidibanisa nababolekisi bakho becela iimpahla ezingaphezulu kwikhredithi ngesithembiso sokuhlawula ityala ngexesha elithile. Oku kunokubamba ngokumangalisa xa uhlaziya ingxelo yakho yekhredithi. Inkokhelo yekhadi yekredithi yenkampani yakho ingaza kunye nokuthengwa okungaqhelekanga ongazange ugunyazise. Oku kunokwenziwa ngeendlela ezimbini, ubuqhetseba usebenzisa ikhadi eliyinyumba okanye ukuya kwi-intanethi kwaye usebenzisa inombolo yekhadi lesikweletu. Emva kokuba uqaphele into enje into eyenzekayo, qhagamshelana nomniki wekhadi lakho kunye nomthengi ukuba abhale ukuthengiselana. Xa oko kwenziwa, kufuneka kwakhona ukhangele ingxelo yengxelo yemboleko kwaye uqinisekise ukuba ubuqhetseba abuzange avulwe naziphi ii-akhawunti ezintsha.
Ingxelo yeMboleko inemibuzo evela kwiiNkampani ezingaziwa
Ngokuqhelekileyo, iingxelo zemboleko ziqulethe zombini kunye nemibuzo enzima. Imibuzo encinci yimibuzo eyenziwe ngenjongo yokupapashwa ngababolekisi ngelixa imibuzo enzima yimibuzo eyenziwe nguwe okanye isela lokungena. Xa ingxelo yakho yekhredithi iqukethe imibuzo enzima, kuyimpawu eyisixwayiso yokuba omnye umntu ucele i-credit egameni lakho. Esi sisityhilelo sokunyanisekileyo sokuba omnye umntu uneenkcukacha zekhadi lakho lesikweletu kwaye ngoko ungene ngemvume kwi-akhawunti yakho kwaye wenza intengiso ngaphandle kolwazi lwakho.
Ukuba ubona imibuzo enjalo kwingxelo yakho yekhredithi, kuya kuba kuhle ukuba ubeke uqaphelo lwekhredithi kwikhadi lakho lesikweletu kwaye ulumkise nayiphi na ishishini ukuba lingagunyazisi nawuphi na umthengi ngaphandle kokuba uyifaka ngokupheleleyo. Yonke ishishini iya kufuneka ilinde ukuba inkampani yakho iqinisekise iimveliso zemboleko ezifunwe ngenye indlela, kufuneka zihoxise imibuzo. Emva kokuba kwenziwe njalo, kuya kubalulekile ukuba ucele ingxelo yekhredithi yebhanki yenkampani yakho ukuba ubone ukuba kukho nezinye iimpawu zobuqhetseba ezinxulumene neakhawunti yakho.
IiNgxelo zeB Bogus kwiNkcazo yakho yeMali
Ngamanye amaxesha sifumana iingxelo zeentengo zemboleko zoshishino emva kokuba sitsho ixesha leenyanga ezintathu okanye njalo xa kwenzeka, abaninzi bethu bathambekele ekucingeni ukuba zonke izinto ziqhelekileyo kwaye ngoko ungathathi ixesha ukuvavanya iinkcukacha zengxelo. Oku kuhamba kakubi kakhulu umnini-shishini akufanele athathe. Oku kungenxa yokuba ukungazi kutshabalalisa ishishini lakho. Amashishini amaninzi aphelile ngenxa yokuba abanikazi bezoshishino banakunakunceda ukuba yintoni ingxelo yengxelo yemboleko.
Nanini na xa ufumana ingxelo yengxelo yemboleko yibonelele kwaye uvule amehlo akho ukufumana nayiphi na i-akhawunti yeebhonasi ongazange uyivule. Xa i-akhawunti ezinjalo zifunyenwe, kufuneka wazi ukuba umkhwabanisi uye wayesebenzisa iakhawunti yekhadi lakho lekredithi ngokwabo. Emva kokuba uqaphele ukuba kukho i-akhawunti ekhohlisayo ehambelana ne-akhawunti yakho, kufuneka uqhagamshelane ne-bureaus ngokukhawuleza kwaye ubaxelele malunga naziphi iakhawunti kwingxelo yakho yobuqhetseba. Kufuneka uqhube i-akhawunti yakho kuze kube yilapho zonke uphando zenziwe kwaye u-fraudster ukhawulelwe kwaye akasakwazi ukufikelela kwiakhawunti yakho.
Iimali ezivela kwimithombo engaqhelekanga
Xa uqhuba inkampani, amaninzi amaxesha oosomashishini abaninzi abajongana nabathengi abathile kuphela kwaye akubona bonke ababolekisiweyo kwiimarike ezifuna ukunikezela ngetyala kumashishini . Xa uqaphela ngokupheleleyo ababolekisi bakho, oko kuya kuba kukudibanisa nawe xa kuziwa ekuchazeni ingxelo yakho yekhredithi. Ukuba ingxelo yakho yekhredithi iqulethe iindleko ezilindelwe ukuba zihlawulwe kwii-creditors ezingaziwa okanye ngababolekisi abaziqhelanga nazo, oku kufuneka kukuxelele ukuba umntu othile, kule ngxaki, ungumkhwabanisi, uye wayesebenzisa ikhadi lakho lekhredithi ukuze acele iimpahla evela kwabanye ababolekisi abangabandakanyekanga nenkampani yakho.
Xa oko kwenzeka, kuya kuba kuhle ukuba uxelele oku kubathengi kwiintengiso ezingekho mthethweni kwaye wazise ukuba akufanele avumele okanye kunika imveliso kuyo nayiphina i-akhawunti ephethe igama lakho le-akhawunti. Okwesibini, kucetyiswa ukuba ufikelele kumniki-kharityhulam wekredithi kumanyathelo afanelekileyo athathwe kwaye uqinisekise ukuba i-akhawunti yakho ikhuselekile kwakhona. Ezi nyathelo ziya kwenene ziqinisekise ukuba ikhadi lesikweletu lakho lisebenzisayo libhekisela kuphela kumashishini agunyazisiweyo kuphela.
Isicelo sokukhanyela ngokusekelwe kwintlawulo yakho
Uninzi lwabanini bezoshishino bazama kanzima ukuqinisekisa ukuba ikhredithi yeenkampani zabo zomelele ngokwaneleyo ukuvunyelwa kwemali mboleko . Nangona kunjalo, ukuba isicelo sakho semali-mboleko okanye ikariti yekhredithi yoshishino iyalahlwa ungasala ukubuza ukuba yiyiphi into engafanelekanga. Ngelishwa, le nto ingaba ixesha ofumanisa ukuba iprofayili yakho yekhredithi iye yatshitshiswa. Ngetyala lehlekisiwe kunye nokulinganiswa kwetyala eliphantsi ngenxa yokungabi nasiphoso sakho, kuya kuba nzima ukuba unikezwe elinye ikhadi elilodwa. Yingakho kubalulekile ukuba uhlale ujonga iingxelo zakho zeentengo zemboleko zoshishino kunye nezisiseko.