Zoyenera kuchita ngati ATM idakongoza ndalama koma osapereka? Zofunika kuchitapo kanthu mwachangu
Chaka chilichonse anthu ambiri amakonda kulipira kugula ndi makhadi aku banki. Tsoka ilo, malo ogulitsa m'malo ogulitsira samakhazikika nthawi zonse, ndipo kuchuluka kwawo kumachepa kwambiri ndikutalikirana ndi mizinda ikuluikulu. Wogula sangachitire mwina koma kutapa ndalama mu ATM. Koma bwanji ngati ATM italemba ndalamazo, koma osapereka?
Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!
Zogulitsa sizimayenda bwino nthawi zonse chifukwa chakulephera kwaukadaulo, kuzimazima kwamagetsi, kuwonongeka kwa makhadi, kupitirira malire a nthawi imodzi yopereka ngongole kapena ndalama kuchokera pa khadi, komanso chinyengo. Milandu ndiyosowa kwambiri, komabe, muyenera kukhala okonzekera mavuto otere, musachite mantha ndikudziwa mwatsatanetsatane masitepe ofunikira.
Zoyenera kuchita ndi ATM yomwe yatenga ndalama koma sinayipereke ku akauntiyi?
Palibe chomwe muyenera kugogoda pamakina, iyi si TV yakale. Chida chilichonse chimakhala ndi kamera yomwe ikonza zochita zanu zosaloledwa komanso banki atha kukhala ndi milandu yayikulu yoti akutsutsani. Ngati makinawa adapereka cheke, onetsetsani kuti mwatenga ndikusunga kuti mufufuze bwino (ili ndi nambala yapadera yomwe ingathandize kuti ntchitoyo ifufuzidwe).
Ma ATM ena amabwezera mwachangu khadi ku mode zodziwikiratu... Muyenera kudikirira mphindi 10-15 (pomwe makina amatha kutulutsa ngongole mwadzidzidzi) ndikuyang'ananso bwino.
Ngati ndalamazo sizinabwezedwe, muyenera kulumikizana ndi foni ya banki (imawonetsedwa pa ATM komanso kumbuyo kwa khadi ya pulasitiki). Mukatha kutsatira njira zofananira, fotokozani vuto lanu.
Ma netiweki a ATM amayang'aniridwa usana ndi usiku, ndipo mwina wogwira ntchitoyo azitha kudziwa chifukwa chake alephera. Nthawi zambiri, kubwezeredwa nthawi yomweyo kumatheka. Sikoyenera kuchedwetsa kuyimbaku, popeza zomwe zingasungidwe pazomwe zingakumbukiridwe zitha kulembedweratu ndipo kufufuzidwa kwa mlanduwo kudzakokabe.
Kodi mungalumikizane pati mukaimbira foni?
Pambuyo poyimbira foni, sizingakhale zopanda phindu kuti mupite ku nthambi yapafupi ya banki yomwe idapereka khadi ndi pasipoti ndi nambala yakuzindikiritsa ndikusiya cholembedwa chotsutsa zomwe zatsutsanazo. Kufunsaku kungavomerezedwe kuchokera kwa mwalamulo wa khadiyo kapena kuchokera kwa munthu wodalirika pamaziko a mphamvu ya loya.
Onetsetsani kuti mwatenga chikalata chanu chofunsidwa ndi wogwirizira kubanki. Simuyenera kubera banki. Ngati pempholo lidaperekedwa, koma zowonadi ndalamazo zidalandiridwa, atha kulipidwa.
Palibe chifukwa choletsera khadi yakubanki m'mikhalidwe iyi, koma ngati pali kukayikira kulikonse, ndibwino kuti "tiimitse" kwakanthawi.
Kodi ATM imagwiritsidwa ntchito bwanji?
Kutengera pempho lanu, ogwira ntchito kubanki:
- idzachita ntchito yosanthula yovuta pakuyendetsa ndalama ku akaunti;
- pangani ndalama za ATM;
- Phunzirani kanema kuchokera kumakamera oyang'anira;
- dziwani zochuluka ndikuziwerengeranso;
- fufuzani ndi kuchuluka kwa ntchitoyo;
- yang'anani chipangizocho ngati cholakwika;
- idzayang'anira ukadaulo ndikukhazikitsa chomwe chikuyambitsa kulephera.
Pa kuyambira masiku 3 (atatu) mpaka mwezi umodzi, ndalama zoletsedwa ziyenera kubwezeredwa ku khadi.
Nanga bwanji ngati ndalamazo sizibwezedwa?
Ngati kubwerera sikunachitike, kungolemba chikalata chofunsira kukhothi kumathandiza kutsimikizira zowona. Kuphatikiza pa kuchuluka kwa "kuchotsedwa", mutha kulembetsa kuti mubwezeretse chiwongola dzanja chogwiritsa ntchito ndalamazo, komanso kulipiranso kuwonongeka kwamakhalidwe.
Bwanji osadzakhala chimodzimodzi mtsogolo?
Pofuna kupewa zinthu ngati izi, muyenera kugwiritsa ntchito ATM yaku bank yomwe idapereka khadi ya pulasitiki, yang'anani mosamala ATM musanaigwiritse ntchito kuti ikayikirane pa kiyibodi ndi owerenga makadi. Ndalama zambiri komanso ndalama zomaliza ziyenera kutulutsidwa mwachindunji paofesi yazandalama, ndipo zida, zowonekera pazolakwitsa, ziyenera kupewedwa.