Kubhadhara kana kuunganidza kuburikidza necheki ichiri nzira yekubhadhara inowanzo shandiswa. Zvisinei, pakati pemhando dzecheki dziripo pane inonzi crossed check. Unoziva here chinonzi crossed cheque uye kuti inobviswa sei?
Kana iwe wakambosangana nerudzi urwu rwekubhadhara kana kubhadharisa, asi iwe hauzive kuti uishandise here kana kwete, pasi apa tinokupa makiyi ose kuitira kuti iwe ugozvifunga, kunyanya kana iwe uri muridzi webhizimisi kana iwe pachako. Totanga here?
Chii chinonzi cross check?
Chinhu chekutanga pane zvese kunzwisisa kuti cheki yakayambuka chii. Izvi zvakafanana necheki yakajairika, ndiko kuti, igwaro rinogamuchirwa senzira yekubhadhara uye iyo munhu anoburitsa uye anoisaina. Iri rinonzi dhirowa. Uye inopa kodzero kune sangano rezvemari, kureva, bhangi, kubhadhara mari inoratidzwa mugwaro iroro kune mumwe munhu, uyo angave ari mubatsiri.
Zvino, Musiyano ndewekuti cheki yakayambuka inogona kungoiswa muakaundi yebhangi.
Kuti ujekese: fungidzira kuti waita basa uye unobhadharwa necheki yakayambuka. Unoenda kubhangi kunobhadharwa uye unoda mari yacho muruoko. Zvakanaka, sezvo iri crossed account, zvinoreva kuti bhangi rine mvumo yekukubhadhara mari yacho, asi, panguva imwe chete, inosungirwa kusakupa iyo mari mumari, kana kuiisa muakaundi yebhangi iyo iwe usiri muridzi weakaundi. Kureva kuti inongoenda kuaccount iri muzita rako.
Pakati pe Zvimiro zvaunogona kuwana pane zvakayambuka cheki Ndizvo:
- Kugona kuunganidzwa nevechitatu mapato.
- Hairasike nyore, nekuti munhu anopinda mairi anogona kuzivikanwa uye, nekudaro, anogona kuwanikwa pakurasikirwa kana kuba.
- Kana yayambuka, haigone kubviswa kana kushandurwa kuita macheki akajairwa.
Nzira yekuyambuka cheki
Iye zvino zvawave nekunzwisisa zvirinani kuti cheki yakachinjika chii, inguva yekudzidza kuti cheki inoyambuka sei. Uye chokwadi ndechekuti maitiro acho ari nyore. Kutanga, chero cheki inogona kuyambuka.
Kuzviita, Munhu ari kupa cheki iyi anofanira kudhirowa mitsetse miviri yakabatana inovhara kureba kwecheki. Izvi zvinoratidza gwaro iri seyakayambuka, uye kubva ipapo mabhanga anozoona kuti mari inofanirwa kubhadharwa inofanirwa kugara ichienda sedhipoziti muakaundi.
Muzviitiko zvakawanda, mabhii pacheki anotakura ruzivo rwakakosha. Dzimwe nguva bhangi rinofanira kuitwa mubhadharo rinogona kusiiwa risina chinhu kana kuti rinogona kutaura sangano rinofanirwa kubhadharwa (izvo zvingave zvakasiyana nebhangi rinopa cheki).
Zvino, Sekureva kweBhangi reSpain, cheki yakayambuka ingave zvakare ine mabhawa maviri akafanana. (pasina kutsanangura kuti vari oblique here kana kuti kwete) pamberi pecheki. Mukuwedzera, inotsanangura kuti inogona kuyambukwa nevose vanopa (munhu anobudisa cheki) uye munhu ari kuzoitora (mubatsiri kana muridzi). Uye, kana zvakadaro Kana iwe uri mutengi wesangano rinofanirwa kubhadhara, unogona kuitora nemari, kwete semari inowanikwa muakaundi.
Mhando dzemacheki akayambuka
Mukati meCrusaders, unogona kuwana mhando mbiri:
- General, apo mitsara yakayambuka inoperekedzwa nezwi rebhangi kana usina chero mutsara. Muchiitiko ichocho, unogona kuvatora kune chero bhangi.
- zvakakosha, apo zita rebhangi chairo rinoonekwa pakati pemitsetse inofanana. Izvi zvinoratidza kuti iwe unogona chete kuiunganidza pane ino.
Maitiro ekubvisa cheki yakayambuka
Chekupedzisira, tinoda kutaura newe nezve mabatiro emhando iyi yecheki. Mamiriro ezvinhu akajairika ndeokuti, semubatsiri, unoenda kubhangi necheki, kungave kune chero bhangi kana kune chaiyo. Usati waita izvi, unofanira kuona kuti zita rako nemari yacho zvakarurama here, uye kana pane chikanganiso, unofanira kutaura nemunhu akupa cheki yacho kuti agadzirise kana kukanzura uye akupe imwe.
Pabhangi, mushandi achakukumbira magwaro ekunyoresa kushanda. Uye kana iwe uchienda semubatsiri, kana iwe uchienda sewechitatu bato, panofanirwa kuve nerekodhi yemunhu akaitora. Nenzira iyi, hutsotsi kana matambudziko emutemo anodziviswa, kunyanya kana huwandu hwacho hwakanyanya.
Ukangoita cheki iyoyo, chinhu chekupedzisira chasara chingave bhadhara mari inoonekwa pacheki, asi uchiisa mari muakaundi yebhangi.
Chete kana uine account kubhangi iroro, unogona kuzviita nemari (maererano neBhangi reSpain).
Zvava kujeka here kwauri kuti crossed cheki chii uye kuti inounganidzwa sei?