Malangizo othandiza kutsutsana ndi zomwe zingayambitsenso madandaulo oipa a khadi la ngongole
Pamene mukuyenda, chinthu chomaliza chimene munthu akufuna kuganizira ndi kukweza pa credit card transaction. Choipa kwambiri, palibe amene akufuna kuganizira lingaliro la kukhala ndi nambala yawo ya khadi la ngongole yobedwa kudziko lina. Kugwiritsa ntchito makadi a ngongole paulendo wanu kungakhale njira yophweka komanso yosavuta kulipira, koma ikhoza kubweretsanso mavuto ambiri.
Malamulo apadziko lonse amangidwa kwa iwo omwe amadzipangira posula pulasitiki pa mapepala ogulitsa padziko lonse lapansi.
Zitetezo izi zilipo pazifukwa zomveka: Malinga ndi Dipatimenti Yachilungamo, anthu 7% a zaka 16 kapena kuposerapo anazunzidwa chifukwa cha kuba kwawo mu 2012. Ambiri mwa iwo akuphatikizapo kugwiritsira ntchito ngongole kapena mabanki kuti aziimbidwa mlandu wotsutsa wozunzidwa.
Komabe, siwo okhawo omwe amakumana nawo mavuto pamene akugwiritsa ntchito makhadi awo. Nthaŵi zina, ogwiritsa ntchito khadi la ngongole akhoza kuimbidwa kuti katundu asalandire konse, kapena wogulitsa wanu angadodometse khadi lanu molakwika. Pazochitika zonsezi, kukangana ndi ngongole ya ngongole kungakupulumutseni kuchokera kumasiyidwa ndi bili yaikulu yomwe simunatanthauze kukweza.
Lamulo la Fair Credit Billing ndi inu
Ku United States, lamulo la Fair Credit Billing Act (FCBA) limakhazikitsira malamulo oyendetsera ngongole ndi ngongole pa khadi lanu la ngongole. Kupyolera mwazigawozi, pali zinthu zambiri zomwe simungathe kuimbidwa mlandu wotsutsidwa ku khadi lanu la ngongole.
Izi zikuphatikizapo:
- Milandu yosaloledwa kapena yonyenga,
- Malipiro omwe amalembetsa tsiku lolakwika kapena kuchuluka kwake, kapena
- Malipiro a katundu kapena ntchito sanalandire kapena kulandiridwa
Ngati mupeza kuti khadi lanu la ngongole ndi lolakwa, kapena nambala yanu ya khadi la ngongole yabedwa ndikugwiritsidwa ntchito, muli ndi ufulu wotsutsana ndi zomwe mumapereka ndi khadi lanu la ngongole.
Momwe mungadziwire ngati khadi lanu likuzunzidwa panthawi yoyendayenda
Mukamayenda, kuphunzira ndondomeko yanu ya khadi la ngongole sizingakhale zofunikira kwambiri. Ndi zamakono zamakono, simungafunikire kufufuza kawiri kawiri pamapeto pa tsiku. Pali njira ziwiri zophweka aliyense woyendayenda angapitirizebe kugwiritsa ntchito khadi lawo la ngongole akuyenda.
- Mvetserani ndondomeko yanu yoyendera khadi la ngongole
Makhadi ambiri a ngongole, mosasamala kaya akugwiritsidwa ntchito paulendowu, afunire chidziwitso chakutsogolo pamene mukuyembekeza kugwiritsa ntchito kunja kwa dziko lanu. Pogwiritsa ntchito khadi yanu kupereka chidziwitso cha banki pamakonzedwe anu oyendayenda (ngati n'kofunikira), mukhoza kuthandiza kutsimikizira kuti khadi lanu limagwiritsidwa ntchito m'dziko lomwe muli. - Gwiritsani ntchito mapulogalamu a smartphone ndi kukhazikitsa kugwiritsa ntchito machenjezo
Kuonjezera apo, ambiri olemba ngongole amapereka mapulogalamu omwe sangakupangitseni kuti muwononge ndalama zanu kulikonse kumene muli padziko lapansi, komanso mulandira machenjezo owonongera kapena odabwitsa. Ngati mukudziwa kuti ndalama zanu zidzakhala pansi pazomwe mukuyenda, koperani pulogalamu yanu ya khadi la ngongole ndi machenjezo owonetsera ndalama. Izi zikhoza kukuthandizani kudziwa kusiyana kwa chisokonezo musanakhale vuto lalikulu. Dziwani kuti mapulogalamuwa angagwiritsebe ntchito deta kwinakwake, zomwe zingachititse kuti ndalama zamakono zogwiritsa ntchito foni zitha kuyendayenda.
Ngakhale mukukonzekera bwino, mukhoza kukhalabe osasunthika pamilandu, kapena milandu yonyenga yanu . Ngati izi zikuchitika, ndi nthawi yoti mupereke mkangano wokweza ngongole ya ngongole.
Zimene mungachite ngati muwona chisokonezo
Posakhalitsa mungaone kusiyana pakati pa ngongole yanu ya khadi la ngongole, mwamsanga mungathe kuyambitsa mkangano wokakamiza ndi kampani yanu ya ngongole. Bungwe la Consumer Financial Protection Bureau linati izi ndizodandaula zambiri: 15% ya madandaulo onse omwe adaperekedwa pakati pa July 2011 ndi March 2013 anali mikangano yobweza. Pano ndi momwe mukuyambira ndi kulemba lipoti la kutsutsana:
- Limbani mlandu wosaloledwa
Mukangomva ndalama zosavomerezeka pa khadi lanu la ngongole, yambani kuyambitsa ndondomeko yothetsera ngongole ndi wogulitsa khadi lanu la ngongole. Izi zikhoza kuchitidwa nthawi zambiri ndi foni, ndipo nthawi zina zingayambe pa e-mail. Poyambitsa ndondomeko yoyambirira, mukhoza kukhala pafupi ndi kukonza vutoli, kapena kuchotsa mwatsatanetsatane.
- Tsatirani ndi kalata yodandaula
Malingana ndi FCBA, muli ndi masiku makumi asanu ndi limodzi kuti mupereke mkangano wolipira ngongole ndi banki yanu yobereka ngongole. Ngati mkangano wanu sukhazikitsidwa mkati mwa mwezi, mwatsatanetsatane mutsatireni kalata ku banki yanu yofotokozera mkangano wanu wobweza, ndi chifukwa chiyani mukutsutsana nayo. Panthawiyi, simungakakamizedwe kubweza ndalamazo, komabe mudzayenera kulipira zina zonse zomwe mukuchita komanso zomwe mukupitiriza pa khadi lanu. - Tumizani kudandaula kwa Bungwe la Consumer Financial Protection
Zikakhala kuti mkangano wanu wolipira siwathetsedwe nthawi yeniyeni, ganizirani kufotokoza kudandaula ndi Bungwe la Chitetezo cha Ogulitsa. Bungwe la a watchdog la boma linakhazikitsidwa pakutha kwa chiwerengero chachuma, kuti athandize ogula pazochitika ngati izi. CFPB ikhoza kuthandizira kuthetsa vuto lanu ngati zosankha zina zonse zikulephera.
Mwa kupitiriza kutsogolo kwa ngongole yanu ya ngongole, kumvetsetsa ufulu wanu pankhani ya kuyenda paulendo, ndikudziletsa nokha kuzineneza zoipa, mukhoza kutsimikiza kuti ulendo wanu ku paradaiso sungasokonezedwe. Ndi malangizowo, mukhoza kukhala maso - ndi kutetezedwa - kulikonse kumene mupita.