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Iziqinisekiso, Amaphepha-mvume & Neziqinisekiso Zoqeqesho
Amaphepha-mvume Okuqhuba Izithuthi
Amaphepha-mvume Okuqhuba Izithuthi
INKCAZELO:
Bonke abaqhubi boMzantsi Afrika kufuneka babe namaphepha-mvume okuqhuba izithuthi akhangeleka njengecredit card. Eli phepha-mvume linikezelwa ngoko nangoko emva kokuba umqhubi ephumelele izifundo zokuqhuba.
Iphepha-mvume lokuqhuba isithuthi elenziwe njengecredit card liphelelwa emva kweminyaka emihlanu lakhutshwa. Usuku lokuphelelwa lubhalwe kulo eli khadi. Phambi kokuba ikhadi eli liphelelwe kufuneka ufake isicelo selinye ikhadi elitsha. Khawufumanise ukuba:
Ungasifaka njani na isicelo sephepha-mvume lokuqhuba isithuthi
Ungalihlaziya njani na iphepha-mvume lakho lokuqhuba isithuthi
Ungalifumana njani na elinye iphepha-mvume lokuqhuba isithuthi xa linokuthi lilahleke okanye libiwe eli ulisebenzisayo
IMIYALELO:
Ukufaka Isicelo Sephepha-mvume Lokuqhuba Isithuthi
Xa usenza isicelo sephepha-mvume lokuqhuba elitsha kufuneka kunyatheliswe iminwe yakho. Ngabantu abakwiminyaka engaphezulu kwe-18 kuphela abangafaka izicelo zamaphepha-mvume okuqhuba. Ungafaka isicelo sephepha-mvume lokuqhuba lokuqhuba isithuthuthu (esibukhulu bushiyanayo ukuya kuma nge-125 CC) xa uneminyaka engaphezulu kwe-16.
Kufuneka uze nezi zinto:
uzalise iphetshana lesicelo elingu- DL1
uphathe iSazisi sakho uphathe zonke iimpepha ezikuvumela ukuba uqhube isithuthi eso uze kunye nemifanekiso emine yakho efanayo uhlawule imali engummiselo ekhutshwayo.
Isicelo sakho kufuneka sichaze isithuthi ofuna ukusiqhuba (yinqwelo-mafutha, isithuthuthu, ikari, iminibhasi njalo-njalo.).
Wakuba usenzile isicelo sephepha-mvume lokuqhuba kufuneka namehlo akho abe kwimeko ekuvumelayo ukuba uqhube xa ebehlolwa, uya kunikwa usuku oya kuvavanywa ngalo.
Olu vavanyo lusebenza ngokwenkqubo iK53 kanti yena umhloli uya kukuqinisekisa ukuba:
unephepha-mvum elokuqhuba elisemthethweni uyazazi kwaye uyaziqonda iimpawu zendlela zezithuthi unalo nolwazi ngemithetho yendlela kwaneempawu ezingafaniyo ekufuneka umqhubi wesithuthi eziqwalasele xa eqhuba kwindlela kawonkewonke uyakwazi ukusiqhuba esi sithuthi sikhankanywe kwisicelo eso.
Izixhobo zokufunda zikhona ukukunceda ulungiselele ukuhlolelwa ukuqhuba kanti uninzi lwabantu luye lufunde kumntu ofundisa ukuqhuba.
Wakuba uphumelele uvavanyo lokuqhuba, uya kufumana iphepha-mvume lokuqhuba lekhadi.
Xa iphepha-mvume lakho lokuqhuba isithuthi sele lilungile, uya kwaziswa ngeposi. Xa usiya kulithatha eli phepha-mvume, kufuneka uphathe isazisi. Ikhadi elingaphuthunywanga kwisithuba seentsuku ezingama-120 liya kutshatyalaliswa.
Ukuba liza kulandwa ngomnye umntu ongengomnini walo, kufuneka ke umntu lowo abe noku:
ikopi ezityikitywe zagximfizwa yezazisi zabo bobabini
Ikopi yesazisi yomqhubi
Isizathu esifungelweyoi esichaza ukuba kutheni umqhubi lowo engakwazanga kuzizela ngokwakhe, achaze igama nenombolo yesazisi somntu oye kumlandela.
Ungenza isicelo sokufumana iphepha-mvume lokuqhuba elilikhadi kulo naliphi na iziko eli elijongene nokuhlola abaqhubi abasafuna amaphepha-mvume okuqhuba.
Kukho intlawulo elikhulu leerandi
Ukuhlaziya Iphepha-mvume lakho Lokuqhuba Iinqwelo-mafutha elenziwe njengeCredit Card
Iphepha-mvume lakho lokuqhuba iinqwelo-mafutha lisebenza ngokusemthethweni isithuba seminyaka emihlanu kuphela futhi idinga ukuhlazinywa ukuphela kweli xesha. Usuku lokuphelelwa liyabonakala apha kweli phepha-mvume. Uya kuthunyelwa nesikhumbuzo sokulihlaziya ngeposi
Ungalihlaziya iphepha-mvume lakho lokuqhuba phambi nje kokuba liphelelwe. Iphepha-mvume lokuqhuba elitsha liya kusebenza ngokusemthethweni isithuba seminyaka emihlanu ukusuka ngosuku lokuhlaziywa kwalo.
Ukuhlaziya iphepha-mvume lakho lokuqhuba, kufuneka ugcwalise iphetshana lesicelo soko kwiZiko Lokuvavanyela Amaphepha-mvume Okuqhuba elikufutshane nawe. Uya kudinga:
iphepha-mvume lokuqhuba osalisebenzisayo incwadana yakho yesazisi imifanekiso enobuso bakho emibini, emnyama namhlophe yencwadana yesazisi
Phambi kokuba iphepha-mvume lakho lokuqhuba libe nokuhlaziywa, kuya kufuneka kuthatyathwe imizila yeminwe yakho futhi kuya kufuneka uye kuvavanyo lwamehlo. Ukuba amehlo akho aya engaboni kakuhle emva kokuba wanikwa iphepha-mvume lokufumana iphepha-mvume lokuqhuba, kusenokongezwa izithintelo kwiphepha-mvume elo litsha. Umzekelo, kungafuneka unxibe iindondo xa uqhuba. Ukuba uthe akwaluphumelela ngokupheleleyo uvavanyo lwamehlo, iphepha-mvume lakho lokuqhuba alisayi kuhlaziywa.
Akuyi kufuneka uphinde uye kuvavanyelwa ukuqhuba kwakhona.
Abemi boMzantsi Afrika abaphesheya kweelwandle ngexesha lokuphelelwa kwamaphepha-mvume abo okuqhuba banokuwahlaziya loo maphepha-mvume kuphela xa bebuyele kweli lizwe. Kusenjalo, xa sele kukhutshwe izohlwayo, abantu abangakhange bakwazi ukuwahlaziya amaphepha-mvume abo okuqhuba iinqwelo-mafutha baya kuba nakho ukufaka izicelo zokungohlwaywa.
Kukho intlawulo elikhulu leerandi yokuhlaziywa kwephepha-mvume lokuqhuba iinqwelo-mafutha.
AMaphepha-mvume Okuqhuba Afunyanwa Emva Kokulahleka Kwangaphambili
Ukuba ngaba iphepha-mvume lakho lokuqhuba lilahlekile, okanye libiwe nokuba lithe latshabalala, kufuneka wenze isicelo sokufumana elinye.
Uya kunikwa iphepha-mvume lokuqhuba lexeshana eliya kusebenza iinyanga ezintandathu okanye de ube ufumene eliny, nokuba yiyiphi eqale yenzeka.
Ukwenza isicelo sokufumanaiphepha-mvume lokuqhuba elitsha, kufuneka ugcwalise iphetshana lesicelo elingu-TDL kulo naliphi na iziko lokuhlola ukuqhuba.
Kufuneka uzise:
isazisi sakho imifanekiso yakho emine.
La mabakala amaziko:
Amaziko Okuvavanyela Amaphepha-mvume Okuqhuba Iinqwelo-mafutha
IBONELELWA LISEBE:
ICANDELO LIKARHULUMENTE:
ULwenziwo lweeNdlela (Ezothutho Nemisebenzi Yoluntu, uRhulumente Wephondo leNtshona Kapa)
IXABISO:
li-R120 xa ukubhukisha usuku lokuvavanywa li-R100 ukufumana ilayisenisi wakuba uphumelele
YAYAMENE
ISicelo Sokubhala Iimviwo Zephepha-mvume Lokufunda Ukuqhuba (IiNkonzo)
Ingaba kukho nto ungayiqondiyo kwiintetho zaseburhulumenteni
Isigama Esinokusetyenziswa uMgaqo-nkqubo Wemfihlelo
Ilungelo Lobunini
