Njengoba uhambo lwamazwe ngamazwe kulindeleke ukuthi lufinyelele emazingeni angaphambi kobhubhane kulo nyaka, imiphumela yomuntu omele izwe lonke Inhlolovo Yemali Yokwenziwa Kwangaphandle ukukala imibono yabantu ngezinto ezitshiyeneyo zokusebenzisa imali kwamanye amazwe kukhululwe lamuhla ku ukuhamba kwamanye amazwe.
Qhubeka ufunde ukuze uthole i-Q&A yolwazi noDelaney Simchuk, umhlaziyi we-WalletHub, ngalolu daba olufike ngesikhathi.
Ingabe abantu abaningi bayazi ukuthi amakhadi abo esikweletu anezimali zokuthengiselana zangaphandle?
U-41% wabantu abazi ukuthi ikhadi labo lesikweletu linemali yokuthenga yangaphandle. Lokhu kuvame kakhulu kubantu abaneminyaka engaphezu kuka-45, mhlawumbe ngenxa yokuthi bavame ukuba nemali engenayo ephakeme futhi bangakwazi ukungakwazi ukukhathazeka ngokuthi u-3% ukhokhwa kunoma yini abangayithenga kumthengisi wangaphandle. Iningi labantu alinakho ukunethezeka kokuziba izimali zokuthengiselana zangaphandle, nokho abaningi bethu basanayo. Izindaba ezinhle ukuthola ukuthi ikhadi lakho lesikweletu linemali yangaphandle kulula njengokungena ku-akhawunti yakho ye-inthanethi bese ukhipha isivumelwano sekhadi.
Ingabe kuyacaca kubantu ukuthi imali yangaphandle ingafakwa ngaphandle kokuhamba kwamanye amazwe?
Iningi labantu alikuqondi kahle ukuthi ziqala nini izindleko zokuthengiselana ngekhadi lesikweletu, futhi lokho kungagcina kubiza kakhulu. Isibonelo, abantu abayi-7 kwabayi-10 abaqapheli ukuthi izindleko zangaphandle zingafaka isicelo ngaphandle kohambo lwangaphandle. Abantu bamane bacabange ukuthi kufanele ube ezweni langaphandle ukuze ukhokhiswe imali yokuthenga yakwamanye amazwe, kodwa lezi zimali zingasebenza nasekuthengeni okwenzayo ngabathengisi abazinze phesheya ngenkathi ukunethezekile kwekhaya lakho. Ngenhlanhla, maningi amakhadi esikweletu amahle angenayo imali yokuthenga kwamanye amazwe abantu abangayisebenzisa ukuze bathenge kubathengisi bamazwe ngamazwe.
Abathengi bazizwa kanjani ngamakhadi esikweletu akhokhisa izimali zokuthengiselana kwamanye amazwe?
U-62% wabantu ucabanga ukuthi izimali zokuthengiselana kwamanye amazwe azilungile, okuhlanganisa u-71% wabesifazane kanye no-52% wabesilisa. Sekukonke, u-53% wabantu uthi ngeke baze bathole ikhadi lesikweletu elikhokhisa imali yokuthengiselana kwamanye amazwe. Abantu abafuna ukugwema izimali zakwamanye amazwe banezinketho eziningi ezinhle, ikakhulukazi ezinkampanini ezinkulu zamakhadi esikweletu ezingakhokhisi izimali zakwamanye amazwe kunoma yimaphi amakhadi abo, njenge-Capital One. Ukwenqaba izimali zakwamanye amazwe ngokuphelele akuyona indlela engcono kakhulu, nokho, njengoba ungase uphuthelwe ikhadi elihle lemali oyisebenzisa ekhaya.
Ingabe abantu bayazi ukuthi amakhadi esikweletu athola isilinganiso esingcono kakhulu sokushintshisana uma uvakashela phesheya?
Cishe u-79% wabantu ababoni ukuthi ukusebenzisa ikhadi lesikweletu kubenza babe nenani elingcono kakhulu lokushintshisana uma bevakashela phesheya. Amakhadi esikweletu angakongela u-7% noma ngaphezulu uma kuqhathaniswa nezitolo zokushintshanisa imali esikhumulweni sezindiza noma ukushintshanisa imali eqinile ebhange lendawo. Ngaphezu kokukongela imali kukho konke okwenziwa ngamazwe ngamazwe, ikhadi lesikweletu elingenayo imali yokuthenga kwamanye amazwe lishintsha ngokuzenzakalelayo lapho uthenga okuthile, okwenza ukusebenzisa imali kwamanye amazwe kube lula futhi kuphephe kakhudlwana. Ukulahlekelwa yikhadi lakho lesikweletu phesheya akulimazi kangako kunokulahlekelwa isamba semali.
Yini abantu abakhathazeka ngayo kakhulu lapho besebenzisa amakhadi abo esikweletu emazweni ngamazwe?
Okubakhathaza kakhulu abantu mayelana nokusetshenziswa kwamakhadi okuthenga ngesikweletu emhlabeni jikelele ukulahlekelwa amakhadi kanye nokweba, okuthole amavoti angu-35%, kulandelwa yizilinganiso zokushintshisana ngemali engu-28% kanye nezindleko zokuthengiselana kwamanye amazwe zekhadi lesikweletu ngama-23%. Ukusebenzisa imali ngokweqile bekusekugcineni ohlwini, ngamavoti angu-13% kuphela. Sikubonile ukuzimisela phakathi kwabathengi ukungena ezikweletini ngeholide, ngakho-ke akufanele kusimangaze ukuthi abantu abaningi abakhathazeki kakhulu ngokusebenzisa imali ngokweqile kwamanye amazwe. Noma kunjalo, ukusebenzisa imali ngokweqile kungenzeka kube nomthelela omkhulu kakhulu, ohlala isikhathi eside kubantu.
Isiphi iseluleko onaso kubantu abafuna ukugwema izimali zokuthengiselana zangaphandle?
Izindleko zokwenziwa kwamanye amazwe kulula ukuzigwema. Okufanele ukwenze ukuqhathanisa amakhadi esikweletu angenayo imali yokuthenga yakwamanye amazwe, thola okunikezwayo okufanelana nokuma kwakho kwesikweletu kanye nemikhuba yokuchitha, bese usebenzisa ku-inthanethi. Kunamakhulu amakhadi angewona awelinye izwe atholakalayo, okuhlanganisa nezinketho zazo zonke izikolo zezikweletu. Uma usunekhadi elifanele, ukugwema izimali zakwamanye amazwe kumane kuyindaba yokusebenzisa ikhadi kunoma yikuphi ukuthenga okungase kusetshenzwe phesheya.
LOKHO ONGAKUTHATHE KULESI SIHLOKO:
- People simply assume you have to be on foreign soil for a foreign transaction fee to be charged, but these fees can also apply to purchases that you make through merchants based abroad while you are in the comfort of your own home.
- In addition to saving you money on every international transaction, a credit card with no foreign transaction fee does the conversion automatically when you buy something, making spending money internationally more convenient and safer.
- People who want to avoid foreign fees have plenty of good options, especially from the major credit card companies that don't charge foreign fees on any of their cards, like Capital One.
