Ikhadi Lost (Sberbank), yini okufanele uyenze kuqala?

Kuyi-Internet zikhona izihloko eziningi evulekile phezu izinkundla ngemibuzo: "ikhadi Lost (Sberbank), yini okufanele uyenze?" Futhi isibalo tihloko letifana sikhulela njalo. Lokhu kungenxa yokuthi amabhange kabi unolwazi amaklayenti abo ngezenzo enjalo, kanye ushintsho ngokushesha ikhadi izibalo phakathi kwabaqashi nezisebenzi zakhe.

emalini ekhadini akuphephile njalo

Ngakho-ke, it is ukunciphisa inani cash ngawo abantu emgwaqweni. Phela, kungani kunesidingo, uma kunokwenzeka nge lula ukuthatha ikhadi plastic, okungadingi isikhala kakhulu futhi kulula ukuyisebenzisa?

Kodwa akuyona yonke into kufana kubonakala efika kuqala. Kusukela isibalo nabaphangi atshontsha amakhadi esikweletu anda ngonyaka. Ngokuba benyuka eziningi izikimu ngobuqili njengoba ithuluzi ukuyengela ukukhokhelwa esandleni sakho. Ngakho, uma umuntu ilahlekelwe ikhadi (Sberbank), yini okufanele uyenze esimweni esinjalo?

Okokuqala, zithathele ndawonye

Okokuqala ningatatazeli. Isikhathi esining impela zikhona izimo lapho ikhadi nje ayifake ekhukhwini engalungile noma kwenye esikhwameni, ibhantshi, jeans, nokunye. D. Uma usemsebenzini, khumbula, uma uthatha ekuseni, noma ngabe i-ATM, sebenzisa noma cha .

Kodwa khumbula ukuthi isikhathi ucabanga kancane, inqobo nje uma ucabanga ukuthi omunye kungenzeka kakade ukuthenga zikagesi zasendlini noma ezinye izinto eziyigugu ngezindleko zakho.

Uma ungenzi bona ukuthi ikhadi eyebiwe, khona-ke ngokushesha uyivale.

Ngingayithola kanjani ukuvimba ikhadi?

Lokhu kungenziwa ngezindlela eziningi:

- Call hotline noma igatsha lasebhange. Ngesikhathi socingo, ungacela ngqo umbuzo: "? Ikhadi Lost (Sberbank), yini okufanele uyenze" Le ndlela iyona elula kunazo. Kodwa ukubiza ibhange, udinga inombolo. Ekhadini plastic hotline esibekiwe inombolo ngayinye lapho ungabiza. Kuwufanele it kusengaphambili ukuthi ubhale phansi noma ukugcina kuselula, ukuze ukuthathelwa umshuwalense ngokwabo. Ngoba ukuthengiselana kwezibambo zesihluthulelo ikhadi, opharetha ungacela wena yakho imininingwane ipasipoti futhi imfihlo ukufinyelela izwi iphasiwedi kwemephu. Its njalo usho inkontileka amasevisi ebhenki, okuyinto uma uvula i-akhawunti ye ikhadi ebhange.

- Woza kunoma igatsha ebhange. Uma noma yimuphi igatsha ebhange iseduze indawo yakho, awukwazi ukuzishayela ukuza emuva bese ubuza into efanayo uma shayela: "? Ikhadi Lost (Sberbank), yini okufanele uyenze" Wena ukunikela ngokushesha ngikukhiphe. Kodwa ukuze wenze lokhu, kuzomele ube passport noma namanye amadokhumenti ekukhombayo.

Ungakhohlwa uku-oda entsha

Uma uke ivinjiwe ikhadi lakho, ungakwazi ngokushesha nge-opharetha noma umsebenzi ebhange oda entsha. Ukuze afeze ukuhlinzwa okunjalo ebhange, uzodinga iphasiphothi. Futhi uma ocingweni - zingekho izincwadi ezengeziwe ngeke kudingeke, kodwa kungase kube imibuzo eyengeziwe ovela ku-opharetha.

Ngemva iklayenti ilahlekelwe ikhadi ebhange Savings Bank, kubalulekile ukulinda kuze kube yilapho ihlaba umkhosi. Ukuze ukhishwa phambi ikhadi elisha ukuhoxisa imali, kumele ube ipasipoti uthintane igatsha ebhange. Kuye izinga lapho nikhonza, lo msebenzi ibhange ongenza kokubili neKhomishana, futhi ngaphandle kwalo. Kuyinto elula kakhulu, uma umuntu walahlekelwa ikhadi iholo we Savings Bank.

Indlela yokuzivikela?

Ukuze uzivikele, njalo ukugcina imithetho elandelayo:

1. Ungatsheli muntu PIN yakho ekhadini. Ikhodi ukufinyelela ikhadi lakho kufanele wazi kuphela futhi akekho omunye. abasebenzi Bank angeke baze bakubuze, futhi asinalo ilungelo ukwazi ukuthi.

2. Ungagcini PIN yakho eduze ikhadi plastic. Iphutha esivame kakhulu kubantu ukwenza - iwukugcina lesikweletu nge ikhodi ye-PIN isikhwama. Uma umhlaseli entshontsha wallet yakho, it uthola ubambe hhayi kuphela ikhadi kodwa futhi ukufinyelela okungenamkhawulo nemithombo yawo ngokusebenzisa iphasiwedi yakho.

3. Shintsha ikhodi ye-PIN. Khumbula, emphilweni ngamunye wethu zikhona izikhathi lapho umfo has ukuya ATM. Ungakuchaza kanjani ithemba ngobuqotho ilungu labasebenzi, angababaza ukulunguza-PIN, uma aseduze. Ukuze kuncishiswe ingozi izimali ukuhoxiswa ngokunika abantu okungagunyaziwe, ushintshe iphasiwedi yakho ngezikhathi ukufinyelela kumephu. Ochwepheshe batusa okungenani kanye ezinyangeni 2-3, kuye ngokuthi umsebenzi usebenzisa ikhadi.

4. Beka imingcele yokuthi ukuhoxiswa noma ukukhokhwa kwemali izimpahla endaweni yokuthengisa. Lesi senzo kuzokuvumela ukunciphisa umonakalo ukuthi ungahle uthole uma ukweba ikhadi. Uzokwazi ukuba ukukhuphula umkhawulo noma ususe imikhawulo kusuka ucingo ebhange njalo.

Bhala isitatimende ebhange mayelana ukweba ikhadi

Uma abahlaseli otshontshe ikhadi, kwakusadingeka isikhathi imali, bese ubhala isitatimende esibhaliwe egatsheni ebhange ukuthi yebiwe ikhadi. Ibhange ingadinga ukuthi ubhale isitatimende enjalo esiteshini samaphoyisa. Landela imiyalelo abasebenzi asebhange. Uma ungakwazi ukubonisa ukuthi ngesikhathi okwesula ikhadi wena babengekho, ibhange izobuyisa izimali kuwe. Ngokuvamile, ukusebenza ukubuyela lezo zimali ngaphakathi eyodwa kuya ezinyangeni ezintathu.

Lokhu kubalulekile ikakhulukazi uma ikhasimende ilahlekelwe credit card Savings Bank. Phela, ngenxa ukweba ungathola ezikweletini.

Konke lokhu kuyokusiza ukuba uphendule umbuzo othi: "? Ukhulekela inhlangano yami Sberbank, ikhadi elahlekile, lapho ukubiza" Qaphela bese ulandela iseluleko esinikezwe sihloko. Futhi khumbula ukuthi akukho iseluleko ayikwazi ukuqinisekisa ukuphepha kwe imali yakho uma ungaqaphile futhi isimo sengqondo sokunganaki ukuba amakhadi abo ebhange.