Amakhadi Credit: amakhadi zebhanki, uyilo, umsebenzi, iimpawu kunye nokusebenza

amakhadi zeplastiki Banks ukuba ibe yinxalenye wonke umntu namhlanje elide. Kwaye kukho izizathu eziliqela. Umntu - umvuzo, omnye --mali yokufunda okanye uncedo-mali ezifunyenwe ngomhla amakhadi ngetyala.

Iintlobo amakhadi ebhanki, iimeko ukufunyanwa kwabo, ukusetyenziswa, iindlela ukuvalwa, kwakunye imbali le mveliso zemali, unako ukufunda ngokufunda eli nqaku. Kulo kwiindlela ezininzi ethandwa ngamazwe nayo iya kwenziwa, ukumelana ikhadi ngeplastiki kunikezelo kunye nenkxaso.

Imvelaphi kunye nembali elandelayo lophuhliso

Cinga amakhadi, ukuqala mzuzu xa baqalisa kuvela ikhadi yebhanki yokuqala.

Le boom shopping e Melika kwi ngamahlanu zenkulungwane lokugqibela, kwakunye ehlabathini lonke, wasebenzisa imali iintlobo ezimbini: cash and non-cash.

Ukuba uhlobo wokuqala zonke ecacileyo, angayeka yesibini kwi-akhawunti yakhe.

imali ikheshi ke baba itshekhi kunye zetsheke. abasebenzisi nezolo amakhadi zeplastiki ukuqonda zonke izinto ezimbi zokusetyenziswa yetsheki:

- amathuba manga;

- elide ukubhaliswa kwayo ngakunye;

- njalo akusafuneki ukuba bawuthwale itshekhi iphepha, leyo bangonakala lula.

Ebudeni efanayo ukuba ukukhula urhwebo waseMelika, xa inani transactions yorhwebo uzandisile izihlandlo ezininzi, imfuno ukuba isixhobo oluya ngokuthembekileyo iitshekhi zimbi kakhulu.

Okokuqala, amakhadi ebhanki ekhangeleka iqhekeza eqhelekileyo ikhadibhodi apho ukungena ulwazi lwabo.

Bona ngcembe ngcono, ukuba izinga yokhuseleko.

Kwifomu apho bonke baqhelile ukubona amakhadi namhlanje, baqalisa ukuba yenziwa 70 yee ngayo kwinkulungwane yokugqibela, kungekudala emva kokuba lwasungulwa tape ngemagnethi.

Yintoni ikhadi lebhanki?

Ngaphandle kokuba ngokweekota zemali, singatsho nje - kuba ngundoqo kwi -akhawunti yebhanki, unako ukwenza imisebenzi ethile kwisivumelwano (arhoxise kunye mali sedipozithi, ukuhlawula amatyala, njl ...) kuzo.

Kuyabonakala ukuba abantu abaninzi bacinga ukuba le iqhekeza ngeplastiki bobabo ebantwini osetekenini akhawunti. Le impazamo, njengoko umnini okwenyaniso ikhadi lamatyala oko ebhankini elikhupha. Umntu ngubani na umnini-akhawunti ikhadi - yinto onelungelo nje ikhadi.

njani ikhadi lebhanki?

Ukuza kuthi ga ngoku, zonke amakhadi ngetyala, kungakhathaliseki ukuba umenzi, abe imilo eqhelekileyo kunye nobukhulu. ISO 7810 - umlinganiselo ikhankanya ukuba ibe yintoni ikhadi bank. Iintlobo amakhadi ebhanki, ezidweliswe ngezantsi, kukho ezahlukeneyo, kodwa parameters zilandelayo umsebenzi ofanayo:

• ubukhulu - 85,6 ukuya 53,98 mm;

• phambi kwe tape magnetic;

• phambi kunokwenzeka chip;

• kwicala ngaphambili iqulethe umfanekiso (umfanekiso ongasemva), kwakunye logo inkqubo yentlawulo yelizwe, inombolo yekhadi, igama layo kunye negama nyanga kunye nonyaka apho kuyo;

• kwi indlela kwicala emva ukhona; Ukongeza, kukho tape nosiba, indawo umnini ikhadi utyikityo kunye ikhowudi okhethekileyo eyimfihlo eziquka amanani amathathu okanye amane.

Kakade ke, kukho ezinye ngaphandle, ngokuxhomekeke ebhankini elikhupha. Ngokomzekelo, amanye amaziko zemali odola imizila ifoto umnini kwikhadi bank.

Types of amakhadi ebhanki

amakhadi zokuhlela kufuneka avelise amaqela ezininzi yezixhobo zecomputer ngokunengqiqo kuzo uhlobo. Ngenxa yoko, uhlobo inkqubo yentlawulo apho amakhadi umsebenzi, zezi:

• zendawo;

• ngamazwe.

Ngokunxulumene akhawunti yekhadi:

• esisiseko;

• ezongezelelweyo.

Ngokutsho uhlobo press:

• incwadi;

• neembossirovannye.

Amakhadi nabanako ukwahlulelana ngayo imisebenzi esinokubakho:

• i ibalwe okanye debit;

• ngetyala;

• amakhadi ngekhadi letyala.

Iintlobo amakhadi ebhanki lungahlulwa kunye nobume kunye nenqanaba iinkonzo ezibonelelwa kule ndlela ilandelayo:

• nangoko (iyekiswe);

• eqhelekileyo;

• ngegolide;

• platinum;

• premium.

Ngomhla ubunyani wenyama:

• real;

• enembonakalo.

iimephu Local i isixhobo sentlawulo osebenza kwinkqubo yentlawulo omnye kuphela, osebenza kummandla karhulumente omnye.

International, ke, yenza kube lula ukwenza iintlawulo kulo lonke ihlabathi, kunye ukukwazi ukuba basebenzisane kunye nezinye iinkqubo intlawulo.

Iinkqubo ezininzi ethandwa intlawulo ehlabathi Visa (yehlabathi kwimarike share - ngaphezu kwe-50%) kunye MasterCard (malunga ne-30% yabo bonke kwihlabathi amakhadi zeplastiki). Indawo yesithathu American Express, nto leyo ethatha malunga ne-18%. Umzekelo amakhadi ezikhutshwe Russian Federation, leyo isebenza ehlabathini lonke, i ikhadi debit "Tinkoff Bank".

Ukuze akhawunti elinye ikhadi inokukhutshwa ikhadi ezingundoqo ezongezelelweyo. Umnini kwekhadi engundoqo kufuneka ibe umnini-akhawunti yekhadi.

Abanini amakhadi ezongezelelweyo kuba nabani na, kodwa ke kufuneka kuvunyelwane umnini-akhawunti yekhadi.

amakhadi incwadi

amakhadi ezinjalo ngaphezu neembosirovannye, ngenxa yokuba inani kunye nomhla card wokuphelelwa, yaye igama umnini kunye negama layo lingekho kwaye elikroliweyo phezu kweplastiki.

On iimephu yesiqhelo ngokukhawuleza kakhulu ukuyisusa yonke imibhalo ngenxa ezirhabaxa engxoweni, epokothweni, kunye ATM. Ikhadi, embosser elikroliweyo (isixhobo ezizodwa), ungalahli ifomu yabo ixesha elide.

Ndingenza ntoni ikhadi?

Ngokutsho uluhlu ngentla iintlobo amakhadi zeplastiki, ukuba kwahlulwa kwi imicimbi kunokwenzeka. Khawuqwalasele ezi ntlobo zolwimi ngokunzulu.

Ngokomzekelo, amabini ngohlobo olufanayo kwi amakhadi Visa Classic ukuba abanini zabo ukwenza imisebenzi ezahlukahlukeneyo. Oku kungenxa yokuba ikhadi lamatyala eklasini ngokuyinxalenye kuphela limisela iimpawu ziyafumaneka abathwali zabo.

Into yokuqala siqwalasela amakhadi debit (Ukubala). Bona zisetyenziselwa nokufikelela kwinkunzi yobulungisa umthengi ebhankini, ngubani zibekwe kwi-akhawunti yekhadi.

Indlela yomsebenzi wabo ilula - kuqala kufuneka ubeke imali okanye ulinde ukuba ukudluliselwa kwi-akhawunti, ngoko sebenzisa ikhadi lemali ingasetyenziswa nangaliphi na ixesha apho kukho terminal engqinelanayo.

Abanye babo bade ingabizwa idiphozithi. Umzekelo ikhadi debit "Tinkoff Bank", nto leyo izisa ingeniso ukuze umnini ngenxa kukho inzala ngemali kunye ezahlukeneyo iinkqubo bonus.

Kwakhona, amakhadi debit zikhutshwa ziibhanki, ngenkxaso lothungelwano zorhwebo. Umzekelo, imephu "Umbona" lisisixhobo intlawulo jikelele yeempahla kunye neenkonzo kuthungelwano "Euroset", kwakunye namahlakani ayo.

credit cards

Kukho kwakhona credit cards. Mu kuya kwa nshita iintlobo elidlulileyo, yenzelwe ukusetyenziswa imali ebolekiweyo. Umzekelo, ukuba une Mastercard ikhadi lamatyala ngesixa-mali ka-10 amawaka. Engange.

Xa usenza ngaphandle iimali zazo, uyakwazi ukususa eli khadi ngakumbi, kuthathelwa ingqalelo kumda ka-10,000 p. Phantsi ngokwemvumelwano, kuya kufuneka ubuyele imali kwiziko mali, ukubeka imali ikhadi ebhankini, uze uhlawule intlawulo yokusetyenziswa ngendlela enomdla ukuba sivumelwano inikeza.

Baya yahluke kakhulu, kuxhomekeke kwindlela ibhanki iya ibize inzala kwimali-mboleko. Umzekelo, kukho amakhadi ezikhethwayo ityala onalo apho ukuba ahlawule inzala kuphela kwimeko ukungaphumeleli ukubuyisela imali, ebizwa sokukhetha ngexesha ekhethekileyo. Ngokuqhelekileyo ziintsuku 30-40.

credit cards ohlawulelwa ungekasetyenziswa nto kodwa isiqinisekiso isipho eqhelekileyo, kodwa uhlobo jikelele ngakumbi. Ngesi ikhadi ungenza ukuthenga kuyo nayiphi na ivenkile ethile exhasa le nkonzo.

Oko kukuthi, ukuba ingayalela ikhadi ohlawulelwa kwi-owuva ye-5. Engange, niyinike umntu oya kuba nako ukusizalisa kuba kanye loo mali efanayo xa bethenga iimpahla kule venkile. Umgaqo tyando iyafana naleyo izatifikethi umnikelo.

level amakhadi Different

Abo amakhadi debit kusengenziwa zohlulwa ngokwendidi eziliqela, kuxhomekeka nakwizinga kunye nokufumaneka kwezinye ezongezelelweyo kunye umgangatho nokhuseleko ubuqhophololo mali kubo.

La manqanaba zidla gxininisa nje ubume umnini ngaphezu ezahlukeneyo kakhulu enye kwenye. Nangona kukho ukuxolelwa.

Eli nqanaba liphantsi kwi lwephanyazo amakhadi (engabhaliswanga). Ukungabikho akukho kuba akukho namnye anawo. Oku kungenxa yokuba, xa eyalela wena ikhadi lebhanki, uya kwamkela nto ngephanyazo. imiyalelo Bank kwangaphambili, kodwa babe bengenazo amagama, yaye igama lomnini khadi. Ezi amakhadi enziwe rhoqo ukuba ukuthenga kwiivenkile intanethi.

Baseline (standard) amanqanaba

Emva koko kulandela kwinqanaba eqhelekileyo. Oku kuthetha ubukho amakhadi Visa Classic okanye Mastercard Standart. Ukususela amakhadi Instant ahluka yi ukunyuselwa kwenqanaba ukhuseleko ngenxa kwithala lakho okanye neembossirovannoy Bhala igama kunye nefani umnini khadi. amakhadi ezo ikakhulu kusetyenziselwa ukuhlawula kwimivuzo yabaqeshwa, imivuzo, imihlala-phantsi kunye nezinye uncedo-mali.

Amaxesha amaninzi zifumaneka amakhadi wegolide ngohlobo Gold Visa okanye Mastercard Gold. Imixholo ikhadi zeplastiki kwinqanaba asinguye wonke angaba namandla, ngoko kugqalwa iwonga, njengoko kuchasene engaphambili. Lo ngumphakamo khadi sele ziquka ubukho engenelela zeplastiki, nto leyo eyandisa kakhulu zokuzikhusela ubuqhophololo. Ukongeza, kukho iibhanki ukuba ezifundisa abanini of Visa Gold ezamahala ukufumana impahla kunye nempilo-inshorensi.

Platinum Visa okanye Mastercard na isimo-ngaphezu kwegolide. maxa wambi ixabiso yabo kuza ku wezixa ezilinganayo ukuya izihlandlo eziliqela kwinqanaba sokutya, kuxhomekeke amazinga yeebhanki. umahluko ezomeleleyo ukusuka kwinqanaba edlulileyo nto. Amaninzi lo mahluko esibonakaliswa umyinge eyandileyo ekuqhubeni imisebenzi eyahlukeneyo kunye nekhadi.

Kwaye ke ikhadi liphezulu premium. Indleko yale amakhadi eliphezulu kakhulu kwaye nkonzo zibiza kakhulu ukuba umntu avareji. Oku kuye kwabangela (iinkonzo ezongezelelweyo) khetho, apho ibhange a abanini ngaphandle amakhadi ezinjalo. Umzekelo, ukuba kumcebisi wezezimali sobuqu kunye yoncedo zakho, nto leyo umnxeba nangaliphi na ixesha.

Ikhadi ingaba virtual kunye

Njengoko kuchaziwe ngaphambili, ikhadi kunokuba kuphela zeplastiki, kodwa virtual ngokupheleleyo, oko kukuthi, ikhona kuphela kwi computer.

Ezi amakhadi ezikhethekileyo ezifumaneka zibhanki nge-elektroniki kuphela iintlawulo kwi-Internet. Ngapha koko, ukuba ifuna ubuncinane ulwazi - ikhowudi ikhadi, umhla wokuphelelwa ezizodwa ikhowudi CVV2.

Ukhetho kufuneka kuxhomekeka kwiimfuno

Ukwazi zonke iimpawu amakhadi, uyakwazi ngokulula ukhethe enye efanelekileyo. Eyona nto ibalulekileyo - kufanelekile ukuba akwazi ukuchonga iimfuno zawo. Ngokomzekelo, kutheni ufuna "ikhadi lamatyala", ukuba wena ndoda, kwakunye ikhadi "Umbona", ukuba awusebenzisi i iinkonzo "Euroset" okanye amaqabane ayo?

Kwakhona qaphela: oluphezulu ikhadi eklasini, kokukhona ebiza kakhulu kuya kukudla malini na inkonzo. Ukuba ungumfundi, ikhadi igolide ngexesha akukho okulungileyo. Kwaye Ukuhamba rhoqo aphesheya kunye elikhulu ngokwaneleyo kwemali zobuqu ngaphandle card platinum letyala aninako ukwenza, kokuqwalasela zonke iinkonzo eziya kufumaneka kuwe.