Yiziphi Abasebenzi Okudingeka Bazi
Yimaphi Amakhadi Okukhokhelwa Kwama-Payroll
Isikhathi ngasinye sokukhokha, la makhadi (anikezwa umqashi) alayishwa ngokuzenzekelayo ngokukhokhwa komsebenzi. Amakhadi angasetshenziswa njengama-debit amakhadi; isisebenzi singasebenzisa leli khadi ukuthenga, ukuthola imali emuva kokuthenga, bese uhoxisa imali ku-ATM.
Amanye amakhadi avumela ngisho nabasebenzi ukuthi bakhokhe izikweletu ngokuqondile nekhadi.
Izinkampani eziningi ezinkulu, ikakhulukazi lezo ezinabantu abasebenza ngehora ngalinye, seziqalile ukuhlinzeka ngamakhadi okukhokhela ama-debit njengendlela yokukhokha. I-WalMart, i-Taco Bell, i-Walgreens, kanye nokunye kwe-McDonald's franchises, ngokwesibonelo, sebeqalile ukuhlinzeka ngamakhadi okukhishwa kwe-debit. Abanye abaqashi bezinkampani zomphakathi bahlinzekela ngisho namakhadi okudonswa kwemali njengendlela yokuba abasebenzi bathole izinzuzo zomfelandawonye njengokukhubazeka kanye nekhefu lezokwelapha.
Izinzuzo zamaKhadi weDevelopment Debit
Kunezinhlobo eziningi zezinzuzo zokukhokha amakhadi we-debit, kokubili umqashi nomsebenzi. Abaqashi, isibonelo, gcina imali ngokukhipha amasheke ephepha kwabasebenzi. Izinkampani ezinkulu nabasebenzi abaningi zingagcina izinkulungwane zamaRandi ngale ndlela. Kubasebenzi, amakhadi we-debit akhokhela ukuhlinzeka ngokukhawuleza nokuthembela kokukhokha kwabo. Abasebenzi akudingeki bangene ehhovisi ukuze bathathe imali yabo yokukhokhela noma benze uhambo oluya ebhange noma ukuhlola isitolo.
Ikhadi linikeza ukuthembeka
Abasebenzi abanekhadi lebit debit akudingeki baphathe imali eningi, okungabelwa. Uma ikhadi lomsebenzi libiwe noma lilahlekile, izinkampani eziningi zinikeza ukuvikelwa kokukhwabanisa futhi izonikeza isisebenzi ikhadi elisha.
Ikhadi Linikeza Futhi Ukuthobeka
Abasebenzi bangaphinde balayishe amaholo kusuka kubaqashi abaningi ekhadini, futhi bawuthathe nabo ikhadi uma bashintsha imisebenzi.
Labo abangenayo Inzuzo ye-Akhawunti yebhange kakhulu
Lokhu kubandakanya abantu abadala abayizigidi ezingu-17, ngokusho kocwaningo lwango-2011 yi-Federal Deposit Insurance Corporation). Laba basebenzi abakwazi ukubamba iqhaza ekukhetheni okuqondile kokukhokha ngoba abanakho ama-akhawunti asebhange. Ngakho-ke, lezi zisebenzi ngokuvamile kufanele zithembele kumasevisi okuhlola ukukhokha imali yokukhokhwa, okungaba kubiza.
Abasebenzi Kuqinisekisiwe Futhi Ubumfihlo bokuthenga
Inkampani ephawula ikhadi, hhayi umqashi womnikazi wekhadi, izolandelela lokho umsebenzi osebenzayo.
Amakhadi weDravel Debit Drawbacks
Amakhadi we-Paybit akhokhelwa njengesimo sokunqoba: umqashi ugcina imali ngokukhipha amasheke, futhi isisebenzi sithola inkokhelo enokwethenjelwa engayisebenzisa ngezindlela ezihlukahlukene. Noma kunjalo, kunamathuba amaningi okungahle akwazi ukuwasebenzisa kula makhadi:
- Inkinga enkulu kakhulu imali efihlekile.
- Abanye abahlinzeki bakhokha abanikazi bamakhadi ngemisebenzi ejwayelekile njengokwamukela izitatimende zamaphepha, ukubhala ngaphezulu, ukufaka amakhadi, ukudlulisela imali kwenye i-akhawunti, okwenza ukuhoxiswa kuma-ATM amaningi, ngisho nokusebenzisa ikhadi isikhathi esithile.
- Kubasebenzi base-hourly nabasebenzi besikhathi esithile, lezi zimali zokunciphisa imali zingafaka ngokushesha.
Okufanele Ukwenze Uma Ufuna Ukuphuma
Uma unquma ukuthi ufuna ukuhlanganyela yini kumgomo wakho wekhadi lokukhishwa kwekhadi lomqashi wakho noma cha, bheka eduze ohlelweni oluqondile inkampani yakho enikeza yona.
Ingabe kukhona inani lemali ehambisana nokusetshenziswa kwekhadi? Ingabe kukhona enye inkokhelo yokukhokha okungaba lula kuwe? Uma kunjalo, ungase ukhethe ukuphuma ohlelweni lwekhadi lokudonswa.
Iningi labasebenzi abangafuni ukukhokhwa ngekhadi lokubhadela le-paybit bangakhetha ukukhetha indlela ehlukile yokukhokha, njengesikhokhelo noma idiphozi ngqo. Kodwa-ke, abanye abaqashi baye bagunyaza ukusebenzisa amakhadi amakhadi, okuholela ezindabeni zomthetho. Muva nje, isisebenzi esikhwameni sikaMcDonald senze inkululeko yokumphoqa ukuba asebenzise ikhadi lokukhokhela ukuthi kufanele anikwe ezinye izinketho.
Ezinye zivumela abaqashi ukuba baphonye amasheke ephepha ngokushintshanisa ama-deposit ngqo noma ama-payroll amakhadi, kodwa ezinye izifunda azicaci ukuthi yiziphi izinketho zokukhokha abaqashi okufanele banikeze abasebenzi babo. Nasi uhlu lwemithetho kahulumeni mayelana nokukhokha inkokhelo.
Kodwa-ke, kufanele uhlole ihhovisi likaMnyango wezeMisebenzi likahulumeni ngemithetho nemigomo yakamuva.
Uma ufuna ukuphuma ohlelweni lwekhadi lakho lokukhokhiswa kwekhadi lakho lokukhokhela, kodwa unganikezwa ithuba lokukwenza kanjalo, kufanele uzame kuqala ukuxoxa ngalolu daba nomqashi wakho (uma kunokwenzeka, ngomnyango wemithombo yabantu).
Uma lokhu kungasebenzi, kufanele uxhumane neBhange Lokuvikela NgezeMthengi noma ummeli wombuso wakho jikelele. Kungakhathaliseki ukuthi unquma ukusebenzisa noma ukuphuma ohlelweni lokukhishwa kwemali yokukhokha, qiniseka ukuthi ubukeka kahle ohlelweni lwakho lokukhipha imali yakho futhi uhlole isimo sakho sezezimali ngaphambi kokwenza isinqumo.
Qaphela: Ulwazi olunikeziwe lungolwazi kuphela, futhi aluyona iseluleko somthetho.