Dukan par cheque lein ya na lein?

Us kharidar se lein jise aap jaante hain, us maal par lein jo paisa aane tak ruk sakta hai, aur us cheez ke badle kabhi na lein jo aaj hi dukan se bahar ja rahi ho. Cheque ek wada hai jis mein der shamil hai. Ise adaigi usi din samjhein jis din paisa waqai aap ke account mein aa jaye.

Wo theykedar jo cheque se paisa dena chahta hai

Paas hi tameer ka kaam karne wala ek aadmi mahine bhar se apne mazdoor aap ke paas bhej raha hai. Cement ki boriyan, taar, plastic ki chadrein, aur mazdooron ke liye chai biscuit. Total Rs 74,000 tak pohanch chuka hai.

Jumeraat ko wo aata hai, tehmol se, aur poori raqam ka cheque likh deta hai. Use rasid chahiye aur wo chahta hai ke us ka safha saaf likh diya jaye.

Aap ka haath register ki taraf ja chuka hai. Zara ruk jayein. Is mein koi buri baat nahin, aur ho sakta hai wo cheque bilkul theek ho. Lekin is lamhe mein do mein se ek baat hui hai aur aap bata nahin sakte kaun si: ya to aap ko paisa mil gaya hai, ya aap ne wo qarza jo aap samajhte the ek aise kaghaz se badal liya hai jise aap ne abhi aazmaya hi nahin.

In do baaton ke darmiyan faasla chand din aur ek aadat ka hai.

Cheque wo wada hai jis mein der shamil hai

Paisa lene ke aam tareeqon mein sirf cheque aisa hai jis mein dena aur adaigi do alag dinon par hote hain, aur is ki sari uljhan isi khali arse se nikalti hai.

Cash us lamhe khatam ho jata hai jab wo aap ke haath mein aata hai. Account mein transfer tab poora hota hai jab wo aap ko nazar aa jaye. Cheque in dono mein se kuch nahin: yeh bank ko diya gaya hukm hai jo tabhi paisa banta hai jab bank dekhe aur paisa wahan mojood ho.

Is se teen baatein nikalti hain, aur poora mazmoon inhi ka hai.

Is mein din lagte hain. Lene aur paisa milne ke darmiyan ek khali arsa hai. Us arse mein aap ka maal ja chuka hota hai aur paisa aaya nahin hota.

Yeh wapas aa sakta hai. Hamesha bad-neeti se nahin. Account khali ho jate hain, dastkhat nahin miltay, tareekh ghalat likhi jati hai, lafz aur hindse alag nikal aate hain.

Asal ghalti safhe ko saaf likh dena hai. Agar aap ne cheque lete hi khate mein "saaf" likh diya aur wo hafte baad wapas aa gaya, to ab aap ko wo safha dobara kholna parega jise customer apne nazdeek chuka chuka hai. Yeh wohi bahes hai jo customer kahe ke wo paisa de chuka hai mein hai, farq sirf yeh hai ke is baar us ke paas yeh samajhne ki maqool wajah hai.

Kaghaz aur paise ke darmiyan asal mein hota kya hai

1. 1Wo likhta hai, aap le lete hainAbhi kuch nahin hua. Yeh wada hai, adaigi nahin.
2. 2Aap tafseel apne record mein likhte hainCheque number, bank, us par likhi tareekh, raqam, aur kis ka safha hai.
3. 3Aap use usi din bank mein daal dete hainDaraz mein para cheque bank mein pare cheque se zyada mehfooz nahin.
4. 4Bank paisa dhoondta haiIs mein din lagte hain, aur yahi wo jagah hai jahan cheque ya paisa banta hai ya wapas aata hai.
5. 5Paisa account mein aa gaya: ab safha saaf huaAdaigi isi tareekh par likhein, us din nahin jab kaghaz likha gaya tha.

Kab lena chahiye aur kab mana kar dena chahiye

Sawal kabhi yeh nahin hota ke cheque achhe hain ya bure. Sawal yeh hota hai ke yeh cheque, is aadmi ka, is maal ke badle, banta bhi hai ya nahin.

Tab lein jab kharidar aap ka jaana pehchana ho, jab raqam itni bari ho ke us ke liye cash uthana museebat ho, aur sab se barh kar jab maal chand din ruk sakta ho ya pehle hi aise safhe par diya ja chuka ho jis par aap mutmain hain. Mojooda balance chukane wala cheque us cheque se kaheen mehfooz hai jo aaj hi jane wale maal ke badle mil raha ho.

Naram lehje mein mana kar dein jab aadmi naya ho, jab maal usi ghari bahar ja raha ho, jab raqam itni bari ho ke us ka doobna aap sambhal na sakein, ya jab kaghaz par hi koi baat ajeeb lage. Har baar ek hi tarah, dukan ke usool ki tarah kahein: "Naye customer se main cash ya transfer leta hoon. Jab hamara record ban jaye to cheque bhi le loonga."

Ek beech ka raasta bhi hai, aur zyada tar aisi shaamein isi se tay ho jati hain. Cheque le lein, lekin maal ka kuch hissa abhi dein aur baqi jab paisa aa jaye. Jis theykedar ko cement aaj chahiye aur plastic ki chadrein agle hafte, us ka is intezam mein kuch nahin jata, aur aap ne ek bara khatra do chhote khatron mein badal diya. Ise shak ki tarah nahin, hisaab ki tarah kahein: "Aadha aaj, aadha paisa aane par."

Aur ek teesra jawab bhi hai, jo aksar sab se behtar hota hai: cheque ke bajaye bank transfer. Wo foran aata hai, account mein nazar aata hai, aur upar likhi har museebat khatam kar deta hai. Cheque pesh karne wale zyada tar log sirf poochne par transfer kar dete hain.

Lene se pehle paanch cheezein dekh lein

Pandrah second lagayein aur kaghaz ko dhang se dekhein. Zyada tar kharabi daraz mein rakhne se pehle hi nazar aa jati hai.

Daraz mein rakhne se pehle pandrah second ki nazar

• Tareekh: aaj ki ho, agle mahine ki nahin
• Aap ka naam, wohi spelling jo bank jaanta hai
• Raqam hindson mein aur lafzon mein, aur dono ek jaisi
• Dastkhat mojood, aur kahin kuch kaat kar theek na kiya gaya ho
• Cheque number aur bank aap ke apne record mein likha hua

In mein do par baat karni hai. Tareekh wo jagah hai jahan imandar ghaltiyan sab se zyada hoti hain, aur aage ki tareekh wala cheque adaigi hai hi nahin, wo us din ka wada hai. Naam is liye ahem hai ke ghalat naam wala cheque ek aisi der hai jo aap ko bank ke counter par ja kar pata chalti hai.

Phir cheque haath se nikalne se pehle tafseel apne record mein likh lein: cheque par likha number, bank, us par tareekh, raqam, aur yeh kis ka safha hai. Agar kabhi wapas aaye to yehi chhoti si line aap ko mubham ke bajaye theek theek baat karne deti hai.

Aur use jaldi bank mein daalein. Hafte bhar daraz mein para cheque wahan zyada mehfooz nahin hota, aur jitne din wo rukta hai utne din aap ko haqeeqat ka pata nahin chalta. Ho sake to usi din jama karwa dein, aur agar na ho sake to ek aadat bana lein: har cheque agle bank chakkar mein jayega, koi istisna nahin.

Wo aage ki tareekh wala cheque jo zamanat keh kar diya jata hai

Is par alag se tanbeeh zaroori hai, kyunki yeh aam hai aur chalak lagta hai.

Customer udhaar par maal maangta hai aur mahine bhar aage ki tareekh ka cheque tham deta hai, yeh keh kar: "Ise zamanat samajh lein. Paisa na doon to laga dijiyega." Is guftagu mein dono ko tasalli mil jati hai. Asal mein kisi cheez ki zamanat nahin hui.

Agar us tareekh par us ka account khali hai to kaghaz akela kuch nahin karta. Aap ko jo mila wo jhooti tasalli hai, aur aap ne aksar wo ehtiyat chhor di jo is aadmi ki udhaar ki had ke baare mein aap khud karte.

Is liye ise wohi samjhein jo yeh hai: aane wali tareekh ka wada, na adaigi, na zamanat. Udhaar ka faisla apni jagah karein, bilkul waise jaise udhaar kitna dena chahiye mein hai, aur agar aap use cheque ke baghair maal nahin dete to cheque ke saath bhi na dein. Agar tareekh wala cheque le hi lein to us tareekh ko apne record mein aane wali adaigi ki tarah likhein, aur khamoshi se us din ka intezar karne ke bajaye us se pehle baat karte rahein.

Jab cheque wapas aa jaye

Kabhi na kabhi yeh hoga, aur pehla ghanta kaise guzarta hai, wo ahem hai.

Ghusse se shuru na karein, aur dukan mein elaan bhi na karein. Chupke se phone karein aur seedhi baat kahein: "Cheque wapas aa gaya hai. Kya hua?" Bohat baar jawab bilkul aam sa hota hai aur wo sharminda ho kar ek din mein cash pakra deta hai.

Safha foran dobara kholein, tareekh ke saath yeh likhte hue ke cheque wapas aa gaya, taake record haqeeqat se dobara mil jaye. Yeh usi din karein, kyunki jo record hafte bhar ghalat rahe us par se aap ka apna bharosa uth jata hai. Phir cash ya transfer maangein, doosra cheque nahin, aur us safhe par naya udhaar us waqt tak band rakhein jab tak raqam saaf na ho jaye.

Farz karein Rs 74,000 ka cheque wapas aa jata hai

Wo raqam jise aap pehle hi saaf likh chuke theRs 74,000

Bank wapsi par aap se kya leta haiRs 500

Bank ke do chakkar aur aadha din counter se doorRs 1,500

Us dauran wo maal jo aisi raqam ke bharose bika jo aayi hi nahinRs 12,000

Agar safha saaf likha hi na hota to kharchaRs 2,000

Register mein likhe ek lafz ki qeematRs 12,000

Farz karein cheque Rs 74,000 ka tha aur bank wapsi par kuch kaat leta hai. Upar se wo din, wo chakkar, aur us safhe ki khush-gawari bhi jati hai jise aap saaf likh chuke the. Cheque wapas aane ka kharcha yehi hai, chahe paisa baad mein mil bhi jaye, aur isi liye "safha saaf na likhein" wala usool itna qeemti hai.

Agar raqam bari ho aur wo khamosh ho jaye to aage kya ho sakta hai, yeh aap ke ilaqe ke qawaneen par hai, is liye andaza lagane ke bajaye kisi jaan-ne wale se pooch lein. Jawab jo bhi ho, cheque sambhal kar rakhein, record sambhal kar rakhein, aur har guftagu ka apna khulasa bhi likhte jayein.

Record aisa rakhein ke hisaab sacha rahe

Jab tak paisa nahin aata, cheque na cash hai na saaf hua balance, aur zyada tar dukanon mein is ke liye koi jagah hi nahin hoti.

Wasoolo mein aap customer ka safha khula rakh sakte hain aur adaigi usi din likh sakte hain jis din paisa waqai aap ke account mein aata hai, taake beech ke arse mein us ka balance sach bolta rahe. Cash aur bank ke account alag rehte hain, is liye bank ka paisa galle ke paise se nahin milta, aur aap wo dekh sakte hain jo waqai aaya, wo nahin jo wada hua tha.

Cheque number aur tareekh entry ke note mein likhein. Is mein chand second lagte hain aur yehi tafseel hafton baad guftagu tay karti hai, khaas kar jab ek customer ne teen adaigiyan teen alag tareeqon se ki hon, jo wohi masla hai jo bikri mobile account mein aane par hota hai.

Aur jab paisa aa jaye to use ek hi baar, sahi tareekh par, sahi account mein likhein. Jo record us din ko dikhata hai jab paisa waqai aaya, sirf wohi saal bhar baad bhi kaam ka rehta hai.

Aam sawalat

Purana customer bura maan jayega agar main us ka cheque na loon. Kya kahoon?

Cheque le lein, aur mana karne ke bajaye us ke baad ka tareeqa badlein. Usi din bank mein daalein, aur us se khush-dili se keh dein ke aap safha us din saaf likhte hain jis din paisa aata hai, us din nahin jab kaghaz likha jata hai. Dukan ki aadat keh kar batayein to koi bahes nahin karta.

Kya bank transfer waqai behtar hai?

Chhoti dukan ke liye tqreeban hamesha. Wo jaldi aata hai, nazar aata hai, us mein wapas aane wali koi cheez nahin, aur bank ka chakkar bhi nahin. Pehle wohi maangein. Bohat se log cheque sirf is liye pesh karte hain ke kisi ne un se kuch aur maanga hi nahin.

Kya cheque lete hi customer ka khata saaf likh dena chahiye?

Nahin. Likhein ke cheque mila hai, us ke number aur tareekh ke saath, aur safha us din saaf karein jis din paisa account mein aaye. Yeh chand second ki ehtiyat hai aur aap ko us safhe ko dobara kholne se bacha leti hai jise customer apne nazdeek chuka chuka hai.

Ek aadmi ne kisi doosre ke account ka, kisi aur ke dastkhat wala cheque diya. Kya yeh theek hai?

Ehtiyat karein. Kisi teesre ka cheque ek aur aadmi bhi shamil kar deta hai jis ke paas paisa hona chahiye, aur nakaam hone ka ek aur raasta bhi khol deta hai, aur wapas aane par aap us ke peeche hain jis se aap ka koi lena dena hi nahin. Us ke bajaye transfer ya cash maangein, ya paisa aane tak maal rok lein.

Cheque ko theek maan lene se pehle kitna intezar karna chahiye?

Us waqt tak jab tak paisa account mein nazar na aa jaye, kyunki yehi ek nishani hai jis ka matlab hai. Din kitne lagte hain yeh aap ke bank par hai, is liye un se ek baar pooch lein aur usi jawab ko apna usool bana lein. Customer ki tasalli par faisla na karein.

Us ne udhaar ki zamanat ke tor par aage ki tareekh ka cheque diya hai. Kya main mehfooz hoon?

Zyada nahin. Agar us tareekh par account khali hua to akela kaghaz paisa nahin banata. Udhaar ka faisla waise hi karein jaise us cheque ke baghair karte, had maqool rakhein, aur us tareekh ko us adaigi ka din samjhein jis par aap khud raabta karenge. Yeh yaad-dihani hai, zamanat nahin.