Kukuphi na okulunge ngakumbi: Visa okanye MasterCard?

amakhadi kuneplastiki nanjengoko yinxalenye yobomi bethu bemihla ngemihla ukuba abantu abakwazi ukucinga oko kwakuza kwenzeka ntoni ukuba akazange ayikho bonke. Amvumela ukuba okuhlawulela iimpahla, ukonwabela izaphulelo, ukufumana imali kwi-ATM, sebenzisa babe amakhadi okuthenga lukhulu ngakumbi. Ikhadi ikuvumela ukuba ugcine imali ukhuseleko, ekubeni isixa esikhulu izindlu ziyingozi, yaye siqhubeke sihamba kwi osethilini ngemali kwaye beme emigceni ezinkulu - yinkcitha xesha.

Kufuneka kuqatshelwe ukuba, nangona ukufana imisebenzi yawo, credit cards kusekho ukungaboni. MasterCard and Visa - yeyona ixhaphakileyo iinkqubo intlawulo, ukuba iibhloko eziphambili ehlabathini zezimali. Ngoko ke, umntu ofuna ukuvula ikhadi, kukho umbuzo kakhulu explainable oko kulungele - Visa okanye MasterCard.

Akwenzeki ukuba sinokuqiniseka ukuba nkqubo yentlawulo a ilungile, ngenxa yokuba phantse twatse. Kakade ke, banalo mahluko, kodwa eziluncedo zabo nezingeloncedo baxhomekeke kuphela obonelela umntu othile. Ukuba uyazi iinjongo landela ngumxhasi, kuyenzeka ukuxelela yeyiphi ikhadi ukukhetha: Master Card okanye Visa. Kodwa, ngokukhetha enye kuzo, akukho namnye uya singalahlekani kakhulu, kuba umahluko zingabalulekanga.

Inani-ATM, iivenkile kunye namanye amaziko ukwamkela amakhadi zezi nkqubo ntlawulo kakhulu. Ngoko ke, ukuba ukuya naliphi na ilizwe, unokuqiniseka ukuba kuza kubakho ikhadi iplastiki ukuze ahlawule. Ukuba impendulo yombuzo kokona kulungileyo, Visa okanye MasterCard ukusetyenziswa eRashiya, kufuneka kuqatshelwe ukuba MasterCard anazo-25% emarike Russian, kunye Visa - 40%, intsalela yahlulwe phakathi kweenkqubo ezincinane.

Ukuba uza ukuya ukuhamba, khetha ikhadi olusekelwe kwimfuno, oko ilizwe olindwendwelayo. Into yokuba lilungu inkqubo yentlawulo US Visa, ngoko ke iqhotyoshelwe dollar kwaye ukuguqulwa ikharensi ayinakubalwa. Umzekelo, ukuba ufuna ukuthumela engange euro, kuloo imali kwindawo yokuqala iza kuguqulwa ibe zeedola yaye emva koko ibe euro. Ngokuqhelekileyo, umxhasi ke ngoko ulahlekelwa ukusuka ku-1 ukuya kwi-4% yesixa eceliweyo.

MasterCard fanele kwinkqubo yentlawulo yaseYurophu. Iyiguqule ngqo imali efunekayo, ngoko ke Komishoni ngaphantsi kancinci. Kodwa le nto nangoku na ukuphendula umbuzo wokuba yintoni na ngcono, Visa okanye MasterCard. Visa kungcono esetyenziselwa yokuhamba eUnited States, eKhanada, Latin America kunye Australia. MasterCard ikhadi Kuyinto elula ukuba aye kumazwe aseYurophu.

Ukuba nicela abaqeshwa yebhanki, olwahlukileyo Visa MasterCard, impendulo ecacileyo kwenzeke ukuba lifezekiswe. Uninzi nabameli bamaziko zemali zithi zonke iinkqubo intlawulo kufuneka kalukhuni, ndoxelelwa ngubani na iimpawu ezifanayo, ngoko musa andikhathali nguwuphi ukuba akhethe. Ezinye iibhanki bancome inkqubo yentlawulo ethile, kuba bafuna ukuya khona, yaye musa ngokwenene ukuchaza ukuba ngcono, Visa okanye MasterCard.

Ukusebenzisa ikhadi ngaphakathi kwilizwe, akukho mahluko ingakumbi ukhetho inkqubo yentlawulo. Kodwa apha omalusetyenziswe xa kusiyiwa phesheya kolwandle, kuyimfuneko nangoku kukuqonda ukuba ikhadi MacterCard kusilungele, ngakumbi njengoko ivumela ukuvula i-akhawunti euro kunye eerandi.