Lub "Oops" Scenario
Txoj kev debit card yuav khoom ua haujlwm yog tias lub khw muag khoom khawm koj muag, swipes koj daim npav, tau txais ib daim ntawv tso cai, thiab lub txhab nyiaj ces muab qhov nqi ntawm qhov purchase mus rau ib qho chaw "tuav cheeb tsam" kom txog rau thaum muag tau los ntawm koj tus account.
Koj rov qab txiav tawm cov nyiaj hauv koj daim tshev nyiaj. Txhua tus neeg zoo siab, tus neeg muag khoom muaj lus cog tseg ntawm kev them nyiaj, koj tsis tas yuav tsum qhia ib tawb ntawm tus kheej, thiab koj lub tuam txhab yuav ua ib qho nyiaj tsawg tsawg ntawm koj txoj kev lw.
Thaum koj khaws koj tej pob khoom tawm hauv lub khw, koj mam li hnov dheev, "Oops!" los ntawm tus neeg muag khoom. Nws qhia koj tias nws tau them nqi rau koj yam khoom thiab xav kho nws qhov yuam kev. Koj xa koj daim ntawv muag khoom xa tuaj rau nws, nws muab ntau yam rau hauv daim ntawv sau npe, muab ib daim ntawv txais nyiaj tshiab rau koj, thiab txhua tus neeg luag nyav thiab koj tawm mus rau tom khw.
Lub Sij Hawm Rov Qab!
Thaum koj hnov lo lus "Oops!" ceev faj teeb yuav tsum tawm ntawm koj lub taub hau. Txhua zaus ib daim debit card yuav nkag mus, koj cov nyiaj yuav tsum tau "tuav" kom txog rau thaum kev muag khoom tiav. Dab tsi tshwm sim nyob rau hauv ntau incidences yog hais tias cov neeg muag khoom tsis pom txiaj ntsim qhov txawv ntawm credit card yuav ntau li ntau daim debit card kev yuav khoom.
Dab tsi koj, tus neeg tau txais kev pab, yuav tsum paub yog tias qhov ob yog qhov sib txawv thiab kev ua yuam kev tsis tuaj yeem ua haujlwm ib yam nkaus.
Thaum ua yuam kev lawm ntau cov khw muag khoom yuav ua ib qho "void lw" uas yog muag cov khoom muag thiab tiv thaiv nws ntawm kev ua tiav. Qhov no system ua haujlwm zoo nrog cov credit card tab sis nrog daim npav nyiaj muas, thaum ib qho kev tso cai tau txais koj cov nyiaj yuav tsum tau tuav.
Tus "voided lw" yuav tsis raug muab tshem tawm kom txog thaum tso tawm los ntawm tus muag khoom, uas qee zaus siv sijhawm txog 30 hnub. Qhov no txhais tau hais tias cov nyiaj no, tej zaum yuav, tawm ntawm koj mus txog.
Cov Tshuaj
Cov kev yuam sij yuav tshwm sim yog li npaj tau thiab paub yuav ua li cas thiaj tiv thaiv tau koj cov nyiaj rau cov kev kho uas yuav tsum tau ua kom tiav. Qhov txheej txheem yog dab tsi? Tam sim ntawd, ua ntej lwm cov lag luam tseem ceeb, thov kom "txheej txheem" rov qab mus ua tiav thiab tsis yog "kev tsis tau" cov txheej txheem.
Ib qho xa rov qab yuav raug txiav tawm ntawm koj tus as khauj cia li cia li raug them rau koj tus account. Tsis muaj sijhawm tos lossis "tuav" ntawm koj cov nyiaj yuav tsum tshwm sim. Nco ntsoov tias koj tau txais ib daim qauv ntawm "credit credit" los ntawm tus neeg muag khoom thiab ntxiv cov nyiaj rov qab rau hauv koj tus as khauj. Yog cov ntsiab lus tseeb yog qhov tseem ceeb heev. Tshawb xyuas koj daim ntawv txais nyiaj thiab muab qee qhov koj pom lo lus "credit" thiab tsis "khoob lug."
Lub dreaded 'Register Just Crashed' Scenario
Lwm qhov pitfall ntawm kev siv daim debit card yog tias koj tuaj yeem yog tus neeg tsis muaj kev lom zem uas nws muag tau yog qhov tseem ceeb thiab cov ntawv sau npe tsis tiav sai sai thiab tsis muaj daim ntawv pov thawj. Feem ntau yog ua li cas tom qab ntawd tus neeg muag khoom muag, sim ua kom tau txais kev pabcuam sai, yuav rov qhib lub lag luam thaum cov ntawv sau npe rov qab thiab ua haujlwm zoo, thiaj li yuav muab koj daim ntawv txais nyiaj.
Tab sis dab tsi tshwm sim rau qhov kev ua lag luam thawj zaug? Nws muaj peev xwm hais tias koj tus as khauj yuav tau them ob zaug yog tias tsis muaj leej twg yuav siv sij hawm los xyuas tias qhov muag tau ua los sis tsis ua. Tam sim ntawd lolus qhia (tsis txhob nug) tus neeg muag khoom tsis tau rov tawg koj cov lw. Nug kom Tus Neeg Ua Haujlwm thiab kom tau pov thawj tseeb tias qhov kev yuav khoom ntawd tsis tiav. Koj tuaj yeem hu rau koj lub tsev txhab nyiaj, lub sij hawm ntawd, thiab xyuas tias tsis muaj cov ntaub ntawv sau tseg ntawm qhov kev hloov no.
Nco ntsoov, txhua lub sijhawm koj daim debit card yog swiped, koj tus account tshuav nyiaj yuav raug hloov. Koj yuav tsum muaj kev tiv thaiv ntawm cov kev hloov no. Siv sij hawm los nyeem cov ntawv nplua nuj ntawm daim ntawv cog lus ntawm koj daim debit thiab nug koj lub txhab nyiaj cov lus nug uas koj yuav tau hais txog tias cov nyiaj tau tuav thiab tso tawm li cas.