Ndeapi Vashandi Vanofanira Kuziva
Iko Inobhadhara Makombeji Makadhi Aka
Mumwe nomumwe anopa nguva, makadhi aya (ayo anoshandiswa nemushandirwi) anoteererwa nemutengo wemushandi. Makadhi anogona kushandiswa sevadhidhi debit; mushandi anogona kushandisa kadhi kuti atenge kutenga, kugamuchira mari kubva kumashure, uye kubvisa mari kubva kuATM.
Mamwe makadhi anotobvumira vashandi kubhadhara zvikwereti zvakananga nekadhi.
Makambani mazhinji makuru, kunyanya avo vane maawa akawanda ehurumende, vatanga kupa mabhiriji ekubhadhara mabhiriji senzira yekubhadhara. WalMart, Taco Bell, Walgreens, uye zvimwe zveMcDonald's franchises, somuenzaniso, vatanga kupa mishadhi yekubhadhara mari. Vamwe vashandirwi vehurumende vari kutopa makadhi ekubhadhara mabhiriji senzira yekuti vashandi vagamuchire zvibvumirano zvehurumende sekuremara nekuenda kwechiremba.
Makomborero Ekubhadhara Debit Cards
Pane huwandu hwezvipo zvekubhadhara mabhiridhi debit, nekuda kwevose vashandi nevashandi. Vashandi, somuenzaniso, chengetedza mari kuburikidza nekupa pepa chekuongorora kuvashandi. Makambani makuru nevashandi vakawanda vanogona kuchengetedza zviuru zvemadhora nenzira iyi. Kune vashandi, makadhi ekubhadhara mabhadharo anopa nokukurumidza, kutendeseka kunobhadharwa kwemitero yavo. Vashandi haafaniri kupinda muhofisi kuti vatore mubhadharo wavo kana kuti vaende kubhangi kana kutarisa-cashing store.
Kadhi Inopa Chivimbo
Vashandi vane kadhi yebhengi havadi kutakura mimwe mitengo yemari, iyo inogona kubiwa. Kana kadhi rebasa rakabiwa kana rakarasika, makambani mazhinji anopa kuchengetedzwa kwekubiridzira uye achapa mushandi kadhi idzva.
Kadhi Rimwe Zvakare Rinopa Kugadzikana
Vashandi vanogona kutakura mibairo kubva kuvashandirwi vakawanda pane kadhi, uye kunyange kutora kadhi navo pavanoshandura mabasa.
Avo Avo Havana Bhuku reBhangi Batsira Izvo Zvakanyanya
Izvi zvinowedzera vanhu vanenge mamiriyoni 17, maererano nekuongorora kwakaitwa 2011 ne Federal Deposit Insurance Corporation). Vashandi ava havagoni kutora chikamu chekubhadhara zvakakwana mari yekubhadhara nokuti havana mabhengi ebhangi. Nokudaro, ava vashandi vanowanzofanira kuvimba nekutengesa-cashing services kuti vawane mari yavo yekubhadhara, iyo inogona kudhura.
Vashandi Vanove Vakagutsikana Nezvekutengeswa Kwekutenga
Kambani inounza kadhi, kwete muridzi wemakadhi, inotarisa izvo mushandi anoshandisa.
Zvinyorwa Zvokubhadhara Dheji Debit Cards
Payroll debit makadhi anoonekwa seokukunda-kukunda mamiriro: uyo anoshandira anoponesa mari kuburikidza nekubudisa cheki, uye mushandi anowana mubhadharo wakatendeka waanogona kushandisa nenzira dzakasiyana-siyana. Zvisinei, kune zvimwe zvingangove zvipingamupinyi kune makadhi aya:
- Nyaya huru pane yakavanzwa mari.
- Vamwe vanotengesa vatori vemakadhi mabasa evanhu akadai sekutambira zvinyorwa zvepapepanhau, kunyora kuverenga, kutora makadhi, kuendesa mari kune imwe kambani, kubvisa mari paATM zhinji, uye kunyange kusashandisa kadhi kwenguva.
- Kwemaawa ega ega uye vashandi venguva-pfupi, mari iyi yekuderedza mari inogona kuwedzera nokukurumidza.
Zvaungaita Kana Iwe Unoda Kusarudza
Paunosarudza kana iwe uchida kupinda mubhadharo yemari yako yebhadhadhi yebhandi, tarisa zvakanyanya pane chirongwa chakanaka chako chinopa.
Pane huwandu hwemari yakapoteredza kushandiswa kwekadhi here? Pane imwe chirongwa chekubhadhara icho chaizova chakanaka kwauri here? Kana zvakadaro, iwe ungasarudza kusarudza purogiramu yemadhidhiji.
Vashandi vakawanda vasingadi kubhadhara kuburikidza nemari yekubhadharira bhidhiyo vanogona kungosarudza kusarudza nzira yakasiyana yekubhadhara, yakadai sebhadharo kana kuti mari yakakwana. Zvisinei, vamwe vashandi vakarayira kushandiswa kwemari yekubhadhara makadhi, zvichiita kuti nyaya dzomutemo dzivepo. Munguva ichangopfuura, mushandi weCcdonald's franchise akatonga chikwereti chekumumanikidza kushandisa purogiramu kadi kukakavara kuti anofanira kupiwa dzimwe nzira.
Dzimwe hurumende dzinobvumira vashandi kuti varambe mapepa emapepanisi mukutsinhanisa mari chaiyo yebhadhiro kana mari yekubhadhara makadhi, asi mamwe maitiro haasati akajeka pamusoro pezvipi zvingasarudzwa zvinoshandiswa nevashandi vanopa vashandi vavo. Heino urongwa hwemitemo yenyika maererano nekubhadhara mubhadharo.
Zvisinei, iwe unofanirwa kutarisa nedhipatimendi rako reDhipatimendi reBasa rezvemitemo nemitemo yezvino.
Kana iwe uchida kusarudza purogiramu yako yebhadharo yekodhi yako yekambani, asi hauna kupiwa sarudzo yekuita izvozvo, iwe unofanira kutanga uedza kukurukura nyaya yacho newaunoshandira (kana zvichibvira, kuburikidza nedhipatimendi revanhu).
Kana izvi zvisingashande, unofanira kutaurirana neCommumer Financial Protection Bureau kana mutongi wenyika yako. Pasinei nokuti iwe unosarudza kushandisa kana kubvisa purogiramu yebhadharo yebhadharo, iva nechokwadi chekutarisisa zvakakwana chirongwa chako chekubhadharwa kwekambani yako uye uongorore mamiriro ako emari asati aita chisarudzo.
Cherechedza: Ruzivo rwakapiwa nderuzivo chete, uye haruri mazano epamutemo.