Iibhanki ezinkulu zaseMelika ziqokelele ngaphezulu kwe- $ 11 yezigidigidi kwimirhumo ye-overdraft kunyaka ophelileyo, ngokwe-a Uhlalutyo kwiziko lokuBolekisa ngoxanduva. Ngelixa imigaqo-nkqubo kunye nemali yemirhumo iyahluka ngokwebhanki, iintlawulo ze-overdraft ziqhelekile ukuba ziye kuthi ga kwi-30 ukuya kwi-35 yeedola kwi-pop-inkcitho engafunekiyo enokuziva ngathi yinto ye-sucker phakathi kokudodobala kwezoqoqosho.
Into ebizwa ngokuba yi Umthetho okhuselweyo ongaphaya kwemiqathango iye yaziswa kwiCongress ngenzame yokulawula kwimirhumo engaphaya kweedrafti kwaye yabeka iminqwazi kwindlela iibhanki ezibiza ngayo ezi mali, ukusukela oko abalawuli bombuso bakhuthaze iibhanki ukuba ziyeke ezi ntlobo zemirhumo Ngexesha lesifo secoronavirus. Kodwa kwinqanaba lobuqu, ubusazi ukuba ungabhengeza ukuba imali yakho ehlawulelwe ngaphezulu ibuyiselwe umva?
Imirhumo engaphezulu kweedrafti, njengoko kuvela, iyaxoxisana, iingcali zemali zithi.
Iibhanki zinokubuyisa umrhumo we-overdraft ngokokubona kwazo, utsho UChanelle Bessette , iingcali zebhanki kwi INerdWallet . Ukuba ungumthengi onokuma okuhle kwaye awunayo imbali ye-overdrafti, ke iibhanki ziya kuba nakho ngakumbi ukurhoxisa umrhumo we-overdraft yakho.
Ukuba unediphozithi esalindelweyo eya kuthi ibhatale imali yakho eseleyo, buza ibhanki yakho ukuba ngaba banenkqubo yokubuyela umva, u-Bessette ucebisa. Ezi nkqubo zinika abathengi ixesha elininzi lokuxhasa iakhawunti yabo ukuze bakwazi ukuhlawula umrhumo we-overdraft.
Undoqo ekufumaneni umrhumo we-overdraft obuyiswayo kukuba ucace gca kwaye uchaze kangangoko, utshilo uChristina Lucey, Ityala leKarma umlawuli kulawulo lwemveliso.
Buza ngale nto uyifunayo kuba eyona nto bangayithetha kukuba ‘hayi.’ Utshilo uLucey.
Rhoqo, ukufumana umrhumo wakho urhoxisiwe yinto yokufumana ummeli ofanelekileyo webhanki, utsho umcebisi wezezimali uSteve Sexton, umongameli Iqela elicebisayo leSexton . Kwixesha langaphambi kwe-COVID, ngewayencoma ukuba aye ebhankini buqu njengoko iingxoxo phantse zihlala zisebenza ngcono ubuso ngobuso, utshilo. Kodwa ngamanye amaxesha ngumcimbi wokuxhoma kunye nokuzama ngelinye ixesha losuku, ndinethemba lokuba uyakufumana ummeli wenkonzo yabathengi owahlukileyo emgceni. Ukuba i-rep ayiveli (abanakho ukuba nomsinga womlingo ofunekayo ukukhupha iifizi), ungacela ukuthetha nomphathi. Ewe uhlala ucocekile kwaye unyamezele, u-Sexton uthi. Akukho nto inyanzela uthethathethwano ukuba luye emazantsi ngokukhawuleza kunesimo esibi, utsho.
Nasi iscript esichanekileyo uSexton asinika abathengi:
Ummeli weBhanki: Ndibona umrhumo. Ngelishwa, asikwazi ukuyiyeka loo ntlawulo, ngenxa [yesizathu].
Wena: Ndibe ngumthengi olungileyo nge [akhawunti ezininzi] [inani] leminyaka ngoku. Ndingathanda ukufumana umrhumo urhoxisiwe, ngakumbi kuba ibinqabile kum. Yintoni ongayenza ukundinceda?
Enye into ekufuneka uyiqaphele yile umthetho we-2010 owamiselwa yi-Federal Reserve Lithiyile amaziko ezezimali ekuhlawuliseni abathengi imali engaphezulu kweedrafti kwi-ATM okanye kwintengiselwano yetyala, utshilo uLucey, ngaphandle kokuba umthengi angene kukhuseleko lwe-overdrafti, ebavumela ngokubanzi ukuba bathenge amakhadi etyala okanye batsale iATM nokuba akukho mali yaneleyo iakhawunti.
Ke, ukuba awukhethanga kwaye ufumene isiqinisekiso, akufuneki ukuba ukhathazeke malunga nemirhumo engaphezulu komda. Umnikezeli wekhadi lakho angala intengiselwano okanye akuvumele ukuba ugqithe, kodwa ayinakukuhlawulisa intlawulo, utshilo uLucey.
Ukuthintela nayiphi na intlawulo ye-overdraft kwixa elizayo, uLucey ucebisa ukuseta izilumkiso zomlinganiso. Amanye amaziko ezezimali aya kukuxwayisa xa iakhawunti yakho itshonisa ngaphantsi kwesixa esithile ukuze wazi ukuba uza kuyidlulisa nini okanye uyifake phi imali kwiakhawunti yakho ukogquma intengiselwano ezayo.
Elinye icebo lokugqibela leengcebiso: Siphakathi kubhubhane wehlabathi, kwaye abantu abaninzi bajongene nobunzima bezezimali.
Ukuba ibhanki yakho ingqongqo ngemigaqo-nkqubo yayo ye-overdraft, isenokuba lixesha lokucinga ngokutshintshela kwibhanki enikezela ngenkqubo ye-overdraft eguquguqukayo ngakumbi ngaphandle kwemali ehlawulwa ngaphezulu, utshilo uBessette.
