ʻO kēia mau lā ma ka loaʻaʻana o kahi kāleka kāleka e hoʻokomo iāʻoe i ka hopena o ka liloʻana i mea e hihia ai i ka maʻalahi kāleka kāleka He nui nāʻano o ke kāhueʻana i kāu hōʻai'ē a iʻole i kāu helu kāleka kāleka a me ka hoʻohanaʻana i kaʻike no ka hanaʻana i nā uku i kūʻoleʻia ma kāu moʻokāki. Mahalo, nā kāleka kālekaʻehāʻehā - Visa, MasterCard, Discover, a me American Express - hāʻawiʻole i ka waiwai kīpē. Na kēia kulekele e mālama iāʻoe mai ka pilikinoʻana no ka nui o nā kumu kuhihewa i loaʻa ma kāu moʻokāki.
He aha keʻano o ka noʻonoʻo hewaʻole a me ka nui o ka palekana i loaʻa iāʻoe?
Pehea e hana ai ka piliʻole o ka halaʻole?
Mālama nā kuleana palekana Zero iāʻoe mai nā uku i pāpāʻoleʻia i kāu kāleka kāleka kāleka. Nui nā kulekele e pili iāʻoe inā paha i hanaʻia kēia mau uku ma ka pūnaewele a iʻole ke kanaka. ʻAʻole ponoʻoe e kākau inoa a uku paha no nā kuleana kuhi hewaʻole - hiki ke kākoʻo me ka kāleka kāleka.
Keʻikeʻoe i ka pāʻoihana kūponoʻole ma kāu moʻokāki aiʻole e manaʻo paha e hoʻohanaʻia kāu pūnaewele me kāuʻaeʻole, pono e hoʻokaʻaʻike koke aku i kāu mea hoʻopuka kāleka. Inā loaʻa iāʻoe kāu kāleka kāleka i kāu manawa, e hoʻokaʻaʻike i kāu mea hoʻopuka kālā kāleka me ka helu ma hope o kāu kāleka kāleka. A iʻole, e kele i kāu pūnaewele pūnaewele e loaʻa ka helu kuhi pololei no kāuʻike kāleka kāleka.
ʻIke i ka hoʻopunipuni ma kāu Pūnaewele
Hiki iāʻoe keʻike i nā kumu kuhihewa ma ka heluheluʻana i kā kāleka kāleka kāleka aiʻole e nānā i kaʻoihana pūnaewele ma kāu pūnaewele
Hiki iāʻoe ke hopu wikiwiki pāʻaniʻole inā nānāʻoe i kāu moʻokāki pūnaewele i kēlā me kēia manawa ma loko o ka mahina ma mua o ka kaliʻana i kāu'ōlelo kāleka kāleka e hele mai i ka leka uila.
Hiki ke hāʻawi aku ka mea hoʻopuka kālā kāleka i nā lawelaweʻikeʻike hoʻopunipuni e hoʻolaha pono iāʻoe i ka hana hoʻopunipuni hikiʻole i kāu moʻokāki.
Ke kau inoaʻoe, e loaʻa iāʻoe kahi kikokikona, leka uila, a iʻole kelepona iāʻoe e hōʻeuʻeu iāʻoe i kaʻoihana kāleka kāleka ma waho o kāu mau hana maʻamau. Eʻike, no ka laʻana, e nīnau iāʻoe i kekahi manawa e hōʻoia i ka hana maʻamau i ka wā e komo aiʻoe i kāu pūnaewele pūnaewele. E kāleka i kāu mea hoʻopuka kālā kāleka eʻike inā loaʻa kahi lawelawe e like me kēia no kāu moʻokāki.
Nā Haʻaweʻaʻole Zero
ʻO nā kuleana pili wale nō e pili wale ana i nā kāleka hōʻai'ē. Kāleka Kāleka, kekahi mau kāka mua i kāpaeʻia, a me kekahi mau kāleka makanaʻaʻole hiki ke kūpono no ka palekana no ka palekana. Inā loaʻa iāʻoe kekahi o kēia mau kāleka, e hoʻomalu hou i ka mālamaʻana i kāu kāleka a me kāuʻike leka.
Ponoʻoe e heluhelu i ka maikaʻi o kāu pepa palapala noi'ē eʻike ai inā pili kekahi mau palapala. Eia kekahi laʻana, pili wale nō nā kuleana kuhi hewa o USA i nā kāleka i hoʻopukaʻia ma United States. Ponoʻo MasterCard e hoʻohana i kāu "mālama kūpono i ka paleʻana i kāu kāleka mai ka pohō a iʻole kaʻaihue."
ʻO ke kāʻei no nā kāleka kāleka a me nā kāleka hoʻopaneʻe he mea'ē aʻe. ʻO nā pepa kāleka i hoʻopukaʻia e ka Visa a iʻole ka MasterCard paha, hiki ke uhiʻia ma lalo o kā lākou mau kulekele pili waiwai, akā i ka wā e hanaʻia ai ka hana ma kā lākou mau pūnaewele. Ke hoʻopauʻoe i kāu kūlana ma keʻano he "hōʻai'ē," hiki ke hanaʻia ma kahiʻene Visa a iʻole ka papa inoa MasterCard, e kauʻia ma ka leka ma kāu palapala kālepa.
Eia naʻe, inā hoʻohanaʻia kekahi PIN no ka hoʻopauʻana i ke kūkākūkā, hiki i kaʻoihanaʻana e hoʻopiliʻia ma kahiʻokoʻa'ē aʻe a no lailaʻaʻole i uhiʻia ma lalo o ka palapala Visa a iʻole ka MasterCard mau kumu kuleana.
ʻO kou mau kuleana no ka luhi hewa ma lalo o ke kānāwai kālai'āina
I keʻano, ua palekanaʻia kāu kuleana no nā uku kuhihewa . Ma lalo o kaʻoiaʻiʻo Ma ke Kuʻiʻana i ke Kanawai, hiki iāʻoe ke kūpono i kahi $ 50 o nā uku kuhihewa i hanaʻia ma ke kāleka hōʻailona iʻaihueʻia. Hiki ke mālama iāʻoe no ka uku kiʻekiʻe loa ināʻoe e hōʻike ana uaʻaihue aʻaihueʻia paha kāu kālepa ma hope o ka hanaʻana i nā kumu kuhihewa. Inā uaʻaihueʻia kāu helu kāleka kāleka a hoʻohanaʻia e hana i nā uku hoʻopunipuni ma kāu moʻokāki, he kuleanaʻoleʻoe.
Me nā kāleka debit, hiki i ka Electronic Funds Transfer Act ke palena i ke kuleana i $ 50 inā hōʻikeʻoe i ka panakū i loko oʻelua mau lā ma kaʻikeʻana i ka hewa ma kāu moʻokāki.
Eia naʻe, ināʻoe e kali a hiki i ka halaʻana o kēlā mau lāʻelua, hiki iāʻoe ke hoʻopaʻiʻia a hiki i $ 500. A inā loaʻa iāʻoe ma mua o 60 mau lā e hōʻike i ka hoʻopunipuni i kāu kālepa hoʻopuka, hiki iāʻoe ke kūpono no ka nui o ka nui.
ʻO kāu kāleka a kāleka kāleka kāleka (e like me Visa a iʻole MasterCard) e hoʻopuka i kāu kāleka hoʻopunipuni e hiki ke hōʻemi i kou kuleana, akā naʻe ma ka pūnaewele kahi i hanaʻia ai kāu kāleka, inā paha i hoʻohanaʻia kahi PIN no ke kūkāʻana, a me ka nui o ka manawa Laweʻoe iāʻoe e hōʻike i nā uku hoʻopunipuni.