Hiki keʻaihueʻia kāu mauʻike kāleka pololei ma lalo o kou ihu me kaʻole o kāu kāleka kāleka e waiho ana i kou kuleana. ʻO ka mea pōʻino,ʻo ka hapa nui o nā mea i loaʻa i kēiaʻano kāleka kāleka kālekaʻaʻole iʻike i kā lākou kāleka kāleka kāleka iʻaihueʻia a hiki i ka manawa i hoʻohanaʻia ai ke kāleka kāleka. ʻO ka manawa pinepine,ʻo nā koʻi kāleka kāleka hoʻopunipuni ka hōʻailona mua i kāhueʻia nāʻike kāleka kāleka.
Mahalo, aia kahi mau kaupae hiki iāʻoe ke lawe e hoʻomaʻemaʻe i kou inoa a loaʻa kāu mau kāleka kāleka kāleka.
Pehea eʻike ai i nāʻike kālepa kaʻa
I nā manawa he nui,ʻaʻoleʻaihue nā meaʻaihue i kāu mauʻike leka kāleka mai iāʻoe. Akā, loaʻa iā lākou ma kahi'ē aʻe i ka chain processing processing. Eia kekahi mauʻaoʻao e hiki ai i nāʻaihue ke komo i kāuʻike kāleka kāleka.
Lilo i nāʻoihana'ē aʻe . Hiki i nā meaʻaihue keʻaihue i kāuʻike ma ka hanaʻana i kahi hui kahi āu i hoʻohana ai i kāu kāleka kāleka a iʻole kekahi hui e lawelawe ana i kekahiʻano o ka meaʻai kāleka kāleka. Mai ka paʻakikīʻana o nāʻike i nā pūʻulu holoʻokoʻa, i kekahi mau manawa miliona mau miliona mea kūʻai i kā lākou kāleka kālekaʻike i kiʻiʻia. ʻO ka hapa nui o nā kuʻi hewa mega - like Target, Home Depot, JP Morgan Chase, a me Anthem - e hana i nā nūpepa poʻokela, akā aia he mau haneli he nui o ka nui āu i loheʻole ai.
ʻO Skimming . ʻO kahi mea'onike kāleka kāleka he mea liʻiliʻi e lawe i kāuʻike kāleka kāleka i kekahi hana kūpono'ē aʻe.
Hoʻopunipuni malū nā meaʻaihue i nā kāleka kāleka kāleka ma luna o ke kāleka kāleka e kau nei ma nā hale kūkini a me nā ATM a laila hoʻi e hoʻihoʻi mai i kaʻike i laweʻia.
I kekahi manawa, he mau kāleka hōʻai'ē kālepa i kālepa ai i nā mea kālā, nā wāhine hānai, aiʻole nā mea hana'ē aʻe e kiʻi i nā kāleka hōʻai'ē kiritaki. Hāʻawiʻoe i kāu kāleka kāleka i ka mea kālepa no ka hoʻoponoponoʻana a iʻoleʻoe e nānā, na ka mea kāleka e hōʻailona i kāu kāleka kāleka ma o ka mea skimming.
Ke hoʻoukaʻana i nā polokalamu kamepiula a iʻole nā huakōpika ma kāu kamepiula , papapili aiʻole smart. Hiki i nā mea hana ke koho i nā polokalamu i laweʻia i nā leka uila a iʻole nā pono'ē aʻe a kauʻia ma kāu kamepiula iʻikeʻoleʻia. I kekahi manawa, hoʻohana nā mea hoʻoholo i ka hoʻohana i ka wi-fi lehulehu e hoʻopiʻi i nā kānaka i ka hoʻokomoʻana i nā polokalamu kamepiula i hoʻopiliʻia e like me ka hoʻoponopono pūnaewele. Mālama ka polokalamu i kāu keystrokes a iʻole lawe i nā screenshots o kāuʻaoʻao a hoʻouna i ka hui i ka meaʻaihue.
Kuhi iāʻoe . Hoʻokumu nā meaʻaihue i nā'ūpili i mea e hana ai i ka mea kūʻai i ka hāʻawiʻana i kaʻikeʻike kāleka. Ke hana nei lākou i kēia me ke kelepona, ma ka leka uila, ma o nā pūnaewele uila, a ma kekahi manawa ma o ka leka uila . I hoʻokahi wēwila, no ka laʻana,ʻikeʻoe i kekahiʻike pilikino i loko o kahi piila āu e manaʻo aiʻo ka pūnaewele hoʻokupu kāleka o kāu kāleka kāleka. He mea nui e hāʻawi wale akuʻoe i kāu kāleka kāleka a me nāʻike pilikino'ē aʻe wale nō ma nā hana āu e hōʻoia ai e palekana.
ʻO ka luʻu luʻu kahiko . ʻO ka hoʻoleiʻana i nā palapala a iʻole nā pane i loaʻa kāu helu kāleka piha i kākauʻia e hōʻeuʻeu aiʻoe. ʻOiaiʻaʻole e hanaʻia ka luʻuʻana i ka manawa e like me ka wā i hala, he mea nui nō hoʻi eʻike i ka hiki. Hoʻopau mau i kēia mau palapala ma mua o ka hoʻokuʻuʻana iā lākou i loko o ka'ōpala.
Akā,ʻaʻole hiki iāʻoe ke hoʻomalu i ka hanaʻana o nāʻoihana i kā lākou mau moʻolelo. Inā hōʻole lākou i nā moʻolelo e lawe nei i nāʻike kāleka kāleka, hiki i kaʻike ke kūhuehueʻia.
He aha nā mea e hana ai nā moa me kāuʻike kāleka kālā
Inā hiki i kaʻaihue ke komo i kāuʻike kāleka kāleka, hiki iā lākou ke pōmaikaʻi mai i ia mau mea ma nāʻanoʻano'ē aʻe,ʻo ia ka mea iʻoi aku ka paʻakikī o ke ola iāʻoe.
E hoʻohana iā ia e kūʻai i nā kūʻai pūnaewele . Hiki i nā meaʻaihue ke hoʻohana i kāuʻike kāleka kālā e kūʻai i nā mea ma luna o ka pūnaewele. He maʻalahi loa iā lākou ke hana i kēia inā loaʻa iā lākou kāu code zip ziping a me ka helu palekana mai kaʻaoʻao o kāu kāleka kāleka.
E kūʻai lilo aku . Hiki ke kūʻaiʻia nāʻike kāleka kālā ma luna o ka pūnaewele no $ 5 a $ 30 ma ka US, e pili ana i kaʻano a me ka nui o kaʻike i kūʻaiʻia. ʻO kaʻoi aku o nāʻike a ka meaʻaihue,ʻo kaʻoi aku ka nui o kāuʻike kāleka kāleka.
Eia kekahi laʻana, hiki ke kūʻaiʻia aku kāuʻike kāleka kālā no kahi kiʻekiʻeʻoi aʻe, inā he inoa kou, kou inoa, kou lā hānau, ka inoa wahine o ka makuahine, a me kahi helu pale heluʻekolu mai kāu kāleka kāleka. ʻO kaʻike i ka palekana i loaʻa i kāu kāleka e hiki ai i ka meaʻaihue ke pale aku i kahi kiʻekiʻeʻoi aku no kāuʻike pilikino.
E hana i nā kāleka kāleka i kālekaʻia . Hiki i nā meaʻaihue ke hana i nā kāleka kālai'āina kūpono ma o ka hoʻolālāʻana i kāuʻike kāleka kāleka ma nā kāleka makana a iʻole kā kāleka hōʻai'ē i hoʻoiliʻia. Ke kāpiliʻia ke kāleka,ʻo ka hana kūkā e like me ia ināʻoe e paʻi kāu kāleka kāleka.
Pehea eʻike ai ināʻikeʻia kāuʻike kāleka
Hiki ke weheʻia kēiaʻano kāleka kāleka maʻamau no nā mahina he nui. ʻAʻole like ia me kahi kāleka hōʻailona kino āu iʻike ai ua nalowale. ʻAʻole pahaʻoe eʻike a hiki i kaʻikeʻana i nā koi kūponoʻole i kāuʻike kāleka kāleka.
Mai helu i kāu kāleka no ka loaʻaʻana i kahi o kā kāleka kāleka kāleka. Hiki i kāu mea hoʻopuka kālā kelepona iāʻoe e kālepa aiʻole e hoʻokuʻu i kāu pūnaewele. ināʻike lākou i ka kūʻaiʻana ma waho o kāu mau hana maʻamau maʻamau, akā,ʻaʻoleʻoe eʻae wale aku e hōʻike pinepine aku kāu kāleka iāʻoe i ka hana hoʻopunipuni.
E nānā pinepine i kāu kāleka kāleka a hōʻike koke i nā kūʻai kuhihewa, me kaʻole o ka nui. ʻAʻole i lawa ka heluheluʻana i kāu mau hana i hoʻokahi manawa ma ka mahina a hiki mai kāu hōʻai'ē kāleka. Hoʻokahi ka puleʻana i ka hebedoma a i kēlā lā i kēia lā a iʻole ia i nā lā'ē aʻe e hōʻike iāʻoe i nā mea kūʻai wahaheʻe a hiki i ka meaʻaihue ke hana i ka pōʻino nui i kāu moʻokāki.
I kekahi manawa, he mea hōʻoia nā meaʻaihue eʻike ai i kahi inoa o nā helu kāleka kāleka ma o ka hanaʻana i kahi mea liʻiliʻi o kekahi mau kuʻemanaʻo a iʻole nā penihana e pili ana i ka mea iʻikeʻoleʻia. Inā lanakila ka mea liʻiliʻi, uaʻike ka meaʻaihue i ka helu kāleka kāleka a e hoʻomau i ka kūʻaiʻana i nā kūʻaiʻoi aku me kaʻike kālā kāleka.
E hoʻolohe i ka 'ikepili e pili ana i nā hacks a me nā'ūnā hōʻino. ʻO nā loiloi nū pinepine pinepineʻia ka inoa o ka hale kūʻai i pili a me ka lā a iʻole ka lā o ka lā i loaʻa ai ke kahakaiʻike. Ināʻoe i kūʻai i loko o ia wā, hiki ke loaʻa i kāuʻike kāleka kāleka.
Ka mea e hana ai Ināʻike kaʻike Kāleka kāuʻike
He mea maʻalahi keʻike i ka wā iʻaihueʻia kāu kāleka kāleka maoli - ua hala loa kāu kāleka kāleka. ʻAʻole hiki i ka maʻalahi keʻike i ka wā iʻaihueʻia ai kāuʻike kāleka kāleka. ʻO ka manawa pinepine,ʻike waleʻoe i nā hōʻailona e hōʻailona ana i kāu kāleka kāleka kāleka iʻaihueʻia, e like me nā kūʻaiʻole i kāu palapala kāleka.
E nānā hou i kāu mau kāleka kāleka kāleka hou eʻike ai inā he mau mea āu i hanaʻole. E nānā i nā kālā hoʻokunipuni i loaʻa iāʻoe. ʻOiai ināʻaʻoleʻoe iʻike i kekahi kālā kuhihewa, e kāhea i kāu mea hoʻopuka kāleka hōʻai'ē a e hoʻomaopopo iā lākou e manaʻoʻoe uaʻaihueʻia kāuʻike kāleka kāleka. Eʻike i ka mea hoʻopuka kāleka āu eʻike i kekahi hana i kāu moʻokāki āu iʻaeʻole ai.
E hoʻopau ka mea hoʻopuka kālā kāleka i kāu pūnaeke kāleka kāleka kahiko, e hoʻokaʻawale i nā hana hoʻopunipuni mai kāu moʻokāki, ae hoʻouna aku i kahi kāleka hōʻai'ē hou a me kahi helu kāleka hou.
E hoʻomau i ka nānāʻana i nā kū'ē ma kāu kāleka hōʻai'ē hou. Ke hoʻomakaʻoe e hoʻohana i kāu kāleka kāleka, ua kūpono kaʻikeʻana i nā mea kiko'ī i kaʻaihueʻana.
Ke uku neiʻoe no nā kūʻai kūʻai kālā?
Ma ke kānāwai,ʻaʻoleʻoe e kuleana no nā kūʻai kūʻaiʻole i hanaʻia me kāuʻike kāleka kāleka i kāʻiliʻia -ʻoiaiʻo kāu kāleka kāleka e mau ana iāʻoe. (Me nā kāleka debit, ponoʻoe e hōʻike i ka hoʻolālā kūponoʻole i loko o 60 mau lā mai ka hoʻounaʻana o kāu pēke kāpena iāʻoe.)
Ponoʻoe e hōʻike i nā hana i kāu hoʻopuka kāleka kāleka e hiki ai iā lākou ke ninaninau a hemo iā lākou mai kāu moʻokāki.
Ke mālama nei i kāuʻike keleponaʻike kālā
Inā hoʻohanaʻoe i kāu kāleka kāleka i nā wahi a pau, i nā wahi a pau, ua pilikia kāuʻike. Eia nō naʻe, he nui nā mea e hiki iāʻoe ke hana e mālama pono i kāu'ikeleka kāleka. ʻO ia ka hoʻohanaʻana i nā hua'ōlelo ikaika, e makaʻala i kahi e hoʻohana aiʻoe i kāu kāleka kāleka, e hoʻohana mau i nā pūnaewele kūpono, a pale i ka waihoʻana i kāu kiko'ī kāleka hōʻailona ma kāu pūnaewele pūnaewele.
Ka paleʻana i nā hōʻailona e hoʻohana nei i kāu Kāleki Kāleka
ʻAʻole wale kāu kāleka kāleka e pili ana. ʻO kekahi mau moʻolelo e hoʻohana ana i kāu kāleka kāleka ua pilikia pū kekahi. ʻO kēia mau helu iʻoi aku ka waiwai ma mua o nā helu kāleka kāleka. ʻO ka moʻolelo CNBC mai Ianuali 2016, hōʻike i kahi kumu kūʻai he $ 3.78 no ka helu Uber a me ka'ilēle he $ 1 a $ 3.30 no kaʻike pilikino e like me ka lā hānau a iʻole ka helu mālama ola. Paypal, Netflix, HBO GO, ITunes, a me nā kālā'ē aʻe. Akā, he mea paʻakikī ke kaʻina me ka lawelaweʻana i kēia mau lawelawe, no ka mea he nui nā mea e koi ana iāʻoe e hoʻolako i kāuʻike kāleka kāleka e kau inoa pū nō hoʻi i kahi moʻokāki.
ʻOiai e neʻe ana kaʻoihana kāleka kāleka i ka kāleka kāleka EMV i kāleleʻia ,ʻo ka nui o nāʻanoʻaihue (e like me ka hoʻopunipuni pūnaewele).
I ka liloʻana o ka lilo o ka mīkini i ka holomua, hiki iāʻoe ke manaʻo e hoʻonui i ka pocketing maʻamau. Loaʻa i ka'ōnaehana Android e hiki ai i nāʻaihue keʻaihue me kaʻoluʻolu i nāʻike pilikino pūnaewele ma ka kūʻana i kahi kokoke i kahi kanaka i loaʻa kaʻike kālekaʻike i hoʻopaʻaʻia ma kā lākou kelepona.