Kukho iinkqubo ezininzi zekhadi lokuthenga, ezinye zibandakanya kuphela ukusetyenziswa kwabathengisi abavunyiwe kwamanye amazwe, ngelixa abanye bavumela nayiphi na umthengisi ukuba asetyenziswe.
Ukuthengwa okwenziwa ngumqeshwa usebenzisa amakhadi okuthenga ngokuqhelekileyo kubuncinci kunye nexabiso eliphantsi. Iimpendulo ezininzi ezingalunganga malunga neeprogram zokuthenga iimpahla zijoliswe ngqo ekubhekiseleleni kokusetyenziswa kakubi kwekhadi ngabasebenzi. Nangona kunjalo, iinzuzo zeenkqubo zokuthenga zikhulu kakhulu kuneengozi kunye neendleko ezichaphazelekayo ekusebenzeni le nkqubo.
Iinzuzo zeeCards zokuthenga
Urhulumente waseUnited States ufumene ukuba ukuthenga ngaphantsi kwe-$ 2500 kuphela kuqukwa kweepesenti ezi-2 zenkcitho kawonkewonke, kodwa i-akhawunti yabangama-85 ekhulwini. Njengoko iindleko zolawulo zale nto yokuthenga ezincinci zidla ngokudlulela i-dollar echithwayo, ukusetyenziswa kwamakhadi okuthengwa kwamanyuka kwamasebe amaninzi karhulumente. Elinye igosa likarhulumente, iSebe lezorhwebo, liqikelele ukuba ukusetyenziswa kwamakhadi okuthengwa kugcinwe ngaphezu kwezigidi ezingama-22 ngonyaka ngonyaka ngeendleko zolawulo kunye nokunciphisa ukuthenga ixesha.
Ukusetyenziswa kwamakhadi kuye kwavumela ukuthengwa kwamasebe ukuba kugxininise imizamo yawo kwi-15 ekhulwini yexabiso lokuthengwa kweempahla ezithengisa i-100 pesenti yenkcitho yonke.
Ukuphunyezwa koLawulo lwangaphakathi
Ukusetyenziswa kakubi kwamakhadi okuthengwa kweendaba kukugqithiseleyo kodwa ngokuqhelekileyo ukusetyenziswa kakubi, ngokukodwa kumasebe karhulumente, ngokuqhelekileyo kubonisa inani eliphezulu lamadola, kodwa ngokuphindaphindiweyo lingaphantsi kwesigamu sepesenti enye yenani elipheleleyo.
Nangona kunjalo ukusetyenziswa gadalala kwenzeka kodwa kungalawulwa ngokuphunyezwa kolawulo olufanelekileyo lwangaphakathi ukunciphisa inkunkuma kunye nokusetyenziswa kakubi.
Ulwalathiso olunamandla olubalulekileyo lubalulekileyo kwinkqubo yekhadi lokuthenga. Ulawulo kufuneka lucacise ngokucacileyo oko kuvunyelwe ukusetyenziswa kwekhadi kwaye bachaze, kwaye bagxininise, izigwebo zabo ngokuhlawula ubugqwetha, ukukhwabanisa nokusetyenziswa kakubi. Ngokuqinisekileyo, iinkqubo ze-ofisi zangasemva kunye nezibonelelo kufuneka zibe kwindawo yokuphumeza ukulawula. Ukuba akukho zaneleyo izixhobo zokujonga kunye nokujongana nokusetyenziswa kakubi kwekhadi lokuthengwa kwempahla, ngoko ukusetyenziswa kakubi kuqhubeke kwaye kukhulise njengoko ukungabikho kokuzibophezela kwenkqubo kubonwa ngabasebenzisi bayo.
Ngubani Ofumana Ikhadi?
Enye into engabonakaliyo kwiinkqubo zamakhadi okuthenga kukuba iinkampani zicinga ukuba zifuna ukunika amakhadi kubo bonke abasebenzi babo abathengayo. Oku akunjalo; ukukhutshwa kwekhadi lokuthenga unikwa ithemba. Ikhampani kufuneka ikwazi ukuthembela kumsebenzisi wekhadi njengoko bayayichitha imali yenkampani . Kufuneka kubekho inkqubo yokwamkelwa apho abasebenzi kufuneka bakhethwe, bahlaziywe kwaye bavunywe. Ukuba umqeshwa unetyala elibi ke kufuneka ukuba unikezwe kwikhadi lokuthengwa kweenkampani?
Ukufaka Imida Imida
Njengawe nawaphi na amakhadi ekhredithi, kufuneka kubekho umda wesikweletu somsebenzisi.
Iikhampani zamakhadi zekhredithi zinika abanikazi bamakhadi umyinge ngokusekelwe kwikhono labo lokuhlawula. Kubaphathi bekhadi lokuthenga, iinkampani kufuneka zinike abanikazi bamakhadi umlinganiselo wokuchitha ufanelekile isikhundla sabo kunye nokusetyenziswa kwazo. Umzekelo, umntu oqeshwe njengomcwaningi we-IT unokufunwa kuphela ukuba athenge i-printer ink kunye neendlela ezincinci zekhompyutheni ezingaba zizonke iidola ezilikhulu ngonyaka. Umda wokuchitha umqeshwa kufuneka ubonise oku kwaye anganikezwa umda wokuchitha ingubo ye-$ 2500 onokunikezelwa kubo bonke abasebenzi be-IT. Imilinganiselo yokuchitha kufuneka ihlaziywe ngexesha elide ukwenzela ukuba iqanaba elifanelekileyo linikezelwa kwabasebenzi ngokusetyenziselwa ukuchitha.