Ikhadi debit "Tinkoff Black": Ukubuyekezwa abanini. Iimeko, amazinga

Ukubhalwa kwekhadi ye-Debit "Black Takes" kuyona nto ibalulekileyo: abasebenzisi bathi baxhotyiswe ngobuchwepheshe bebhanki banamhlanje kwaye kulula ukuyisebenzisa. "I-Tinkoff" inikezela abathengi inkonzo entle kunye nokuthatha inxaxheba kwiiprogram zebhonasi. Ukusebenzisa i- TKS card debit card akuvumeli ukuba usebenzise imali ngenzuzo kuphela, kodwa ukuqokelela. Kwinqaku, siya kuqwalasela iimeko zokufumana kunye nenkonzo yeenkonzo ezibonelelwa yibhanki kunye neNtshontsho yaseNtsundu. Ingxelo yabathengi kwimephu iza kwenza ukuba umsebenzisi onokukwazi ukufumana ingcamango yangempela ngayo kwaye enze ukhetho olufanelekileyo ngokwabo.

Malunga neBhanki ye-Tinkoff

I-Bank ye-Tinkoff yi-credit kunye neziko lemali elikhethile uhlobo olungelona oluqhelekileyo lwenkonzo yabathengi eRashiya. Inyaniso kukuba kulo lonke ilizwe alikho idilesi enye ye-Tinkoff. I-ATM eneBhanki ayikho. Isebenza njani kwaye ziziphi iinzuzo zabasebenzisi?

"I-Tinkoff" yasungulwa nguhlobo lwebhanki i-Wells Fargo, eyasetyenziselwa imodeli yokuxhaswa kwabathengi. Usomashishini u-Oleg Tinkov wacebisa ukuba loo ndlela yokusebenza ingafakwa eRashiya. Ngenxa yoko, iBhanki ye-Tinkoff yasungulwa. Iminyaka eyi-10, iimveliso ezintsha zenziwe, kwaye izinga leenkonzo liphuculwe.

"Imivuzo" imiba yeekhredithi kunye nekhredithi kwimali-mboleko engakhuselekanga, inikeza ukhetho olubanzi lwe-co-brand "iplastiki", ikuvumela ukuba wenze iintlawulo ze-Intanethi uze wenze nemboleko yemali efanelekileyo kakhulu kwiibhanki. Siyabulela kwimveliso ye-Tinkoff, umsebenzisi angakwazi ukugcina ngokuthe xaxa ekuthengeni kwiindawo ezithandayo ("AliExpress", "Google Play", "Lamoda", "Malina", eBay, Road One Two) kwaye uthenge amathikithi omoya kumaxabiso amnandi.

Iimeko zokufumana

Ikhadi elithi "Tinkoff Black", elixutyushwa ngokuphathelele ukuthenga kwalo, linikezelwa ngokubambisana neenkqubo ezimbini zokuhlawula: i-MasterCard World okanye i-Visa Platinum. I-akhawunti ngexesha elifanayo livula kwi-ruble, iidola zase-US okanye i-euro. Ikhadi isebenze iminyaka emithathu, emva koko ungayifumana okanye uqhubeke nokusebenzisana nebhanki.

Ungayilungiselela ngaphandle kokushiya ikhaya. Oku kuya kufuna ubukho be-intanethi kunye nemizuzu emibini yexesha lokukhulula. Kwisigaba sokuqala, sele sele kunenzuzo: akufanele uhambe kwisebe lasebhanki uze ulinde ukujika kwakho. Ukusuka kwimimiselo kumthengi onokukwazi-kuphela ubuninzi beninzi kunye nokufumaneka kwepaspoti.

Ukuze ufumane ikhadi le "I-Tinkoff Black", ukuhlolwa kukuhle kakhulu, kufuneka wenze amanyathelo ambalwa ambalwa:

1. Yiya kwindawo esemthethweni yebhanki www.tinkoff.ru.
2. Gcwalisa ifom yokufumana ikhadi lokubambisa "I-Black Hat".
3. Lindela umnxeba womqeshwa webhanki, ngubani oza kuchaza ukuchaneka kwedatha efakweyo kwaye azise malunga nexesha lokufumana ikhadi. Iya kuhanjiswa kwidilesi echaziweyo (kwiofisi, ekhaya).

Emva kweentsuku ezingama-1-2, i-brand entsha ye-Tinkoff Black iya kuba sezandleni zomsebenzisi, emva koko kuya kufuneka ukuba isebenze ngokuvakashela i-website esemthethweni okanye ukufowunela inombolo ye-toll-free 8 800 555 10 10. Ngokusebenzisa le nkqubo, umxhasi ufunda ikhowudi yayo ye-PIN, eyimfuneko yokwenza imisebenzi .

Xabiso lekhadi

Enye yemibuzo ephambili malunga nomkhiqizo "I-Black Hatkoff", ukuhlaziywa kwabasebenzisi malunga nokuthabatha abathengi abatsha baninzi, lixabiso layo. Ubungakanani ubuninzi bokubhaliswa kunye nokugcinwa kwenyanga kwindleko? Ikhomishoni yenyanga nganye yebhanki kwiKhadi eliMnyama eliMnyama li-ruble 99. Iyonke yonyaka ihamba ngama-ruble ayi-1188.

Ukufumana kunye nokuthunyelwa kwidilesi echaziweyo ayihlawulelwayo. Ukongezelela, ibhanki inikeza ithuba lokukhupha amakhadi angeziwe angama-5, ngokubhalisa ongenakho ukuhlawula. Uninzi lweenkonzo ezivela kwi-Tinkoff zenziwa ngaphandle kwemali eyongezelelweyo. Yintoni omele uyihlawule? Ukuba unqwenela, umxhasi angasebenzisa inkonzo "yebhanki ye-SMS", apho umnikazi wekhadi aziswa ngayo yonke into eyenziweyo. Le nkonzo iza kuhlawula iiruble ezingama-39, ukuba i-akhawunti i-ruble. Kwikhadi lemali iindleko ziya kuba yi-1 okanye i-$ 1. Isixa sihlawulwa rhoqo ngenyanga.

Iinkonzo zamahala

Ikhadi elithi "Tinkoff Black" lifumana iimpendulo ezilungileyo ngenxa yemigangatho yenkonzo kunye nokuthembeka okuphezulu kokugcina nokusetyenziswa kwemali. Umzekelo, ikhomishini yokusetyenziswa kweakhawunti yekhadi ingaba ngama-ruble ayi-99, okanye mhlawumbi i-ruble 0. Ngaphantsi kweemeko ezithile, umthengi ulawula ikhadi ngokukhululeka. Ukwenza oku, kufuneka wenze idiphozithi yee-30,000 zamaRandi. (€ 1000, $ 1000) okanye ufake isicelo semali efanayo.

Emva kokubhalisa, ezi zilandelayo iinkonzo zamahhala zinikezelwa ngokuzenzekelayo kumsebenzisi:

• "I-Bhanki ye-Intanethi" - ikuvumela ukuba uhlawule iinkonzo nge-intanethi, usethe ukuhlawulwa kwemoto, jonga ingxelo ye-akhawunti;
• "IBhanki ye-Mobile" iyisicelo se-smartphone, isekela phantse zonke iiplani;
• Ukukwazisa nge-SMS-ukuthumela malunga nezenzo kwi-"Tinkoff Black".

Impendulo yomthengi kwikharityhulam yebhanki yaseBhanki iqinisekisile inqanaba eliphezulu lenkonzo kunye nokufumaneka kweentlobo ezahlukeneyo ezilungeleyo kunye neenkonzo ezikhululekile ezenza ukusetyenziswa kukhululeke kwaye kuyonwabele.

Ulawulo lwemali

Umsebenzisi kubalulekile ukwazi ukuba kusele imali engakanani kwi-akhawunti, apho bachithe khona. Ukongezelela, ukuthandwa kwentlawulo yezindlu kunye neenkonzo zomnxibelelwano, ukunikezelwa kwamaseli kunye nomnikezeli we-intanethi ngoncedo lwebhanki kwi-intanethi lukhula. Xa iKhadi leMnyama eliKhutshwayo likhutshwa, umthengi unikezelwa ngenkonzo yehhala usebenzisa isevisi yeBhanki ye-Intanethi kunye ne-Mobile Bank.

Ukuqalisa inkonzo ye-intanethi, kufuneka uhambe kwiwebhusayithi esemthethweni uze uye kwi "Intanethi ye-Intanethi". Ikhasi elinesifom liza kuboniswa apho ufuna ukufaka inombolo yekhadi. Emva kwe-SMS-isiqinisekiso sokuthi umsebenzisi uyazimela ngokuzimela kunye nephasiwedi yokungena kwikhabhinethi. Ngoku umthengi webhanki angenza imisebenzi eminingi ngaphandle kokushiya ekhaya. Phakathi kwazo:

• Intlawulo ngokuzenzekelayo kwiinkcukacha ezichaziweyo kunye nemali;
• Ukudluliselwa kwemali kwamanye ama-akhawunti;
• Ithuba lokufunda malunga neentlawulo ezikhoyo kwaye zihlawule;
• Isizukulwana sokunika ingxelo ngemali esetyenzisiweyo kunye neleyo;
• Ukuhlawulelwa kweebhili zezindlu kunye neenkonzo zomntu, iimali-mboleko kunye nezinye.

Inkqubo efanelekileyo ngokufanelekileyo yokulawula imali ekhadini yi "Mobile Bank". Le sicelo, esebenza kunye nayiphi na inkqubo yokusebenza ye-smartphone okanye ithebhulethi: "I-Android", "Agios", "Iimoya", "i-Blackberry". Ukungena ngemvume kunye nephasiwedi zifana nezo zichazwe kwi "Internet Banking".

Imephu ye-"Tinkoff Black": imimiselo neemeko, ukuphononongwa

Abasebenzisi bexesha elizayo ekuyilweni kwentlawulo "iplastiki" banomdla kunoma yiphi inkcazelo malunga neengeniso ezizayo kunye neendleko zokugcina i-akhawunti yebhanki. Ziziphi iindleko kunye neenzuzo ezilindelwe ngumthengi kwiKhadi leMnyama eliNgciniweyo? Cinga ngemilinganiselo etafileni:

Imigqaliselo yokusetyenziswa kwe "Black Neck"

* Ixesha lokuhlawula lihlala inyanga eli-1 kwaye liqala ukususela ngomhla wokukhishwa kwamakhadi.

Inzala iyabalwa imihla ngemihla, kwaye ingeniso ihlawulwa kanye ngenyanga ngenyanga kwikhadi elithi "Tinkoff Black". Abathengi banikezela ngempendulo emihle malunga neentlawulo: ibhanki inomnye wexabiso eliphezulu.

Ukurhoxiswa kwemali

Mhlawumbi wonk 'ubani onenani elilodwa kwikhadi lokubhawula uyayazi ingxaki yokufaka imali. Ukukhangela "i-ATM" ye "native", imizuzu eyigugu, kunye namaxesha amaxesha, hamba. Abaxhasi be-"Tinkoff" abazi into enjalo. Nangona kungenjalo i-ATM ye-Akoshi, ngokuqinisekileyo, abanikazi bamakhadi bahoxisa imali nakweyiphi enye idivaysi, ngaphandle kokucinga malunga naluphi na umbutho. Kananjalo ngenxa yokuba abathengi abanalo umahluko apho ukuhlawula imali: ikhomishishini ayihlawulwanga yonke into, okanye enye indawo.

Xa uhoxisa imali ukusuka kwi-3000 ukuya kwi-150 000 ruble. Umsebenzisi we-Black Hatkoff akahlawuli ipenny. Ukuba ufuna ukufumana ngaphantsi kwama-3 amawaka ukusuka kwi-ATM, kuya kufuneka uhlawule amanye ama-ruble angama-90. Kwimeko yamanani amakhulu (ukusuka kuma-ruble ayi-150,000), ikhomishoni iya kwanda kwi-2% kwaye ihlala ide kuze kube sekupheleni kwexesha lokubala.

Ukuzaliswa kwekhadi

Ungabhalisa imali kwiakhawunti yakho ngeendlela ezahlukeneyo. Ukuze ungakhokheli iimali ezongezelelweyo, ungasebenzisa ezi ndlela ezilandelayo:

• Dlulisa imali kwenye ikariti yanoma iyiphi ibhanki ekhuphayo;
• Ukufumana inzuzo kwiinkonzo zabalingani be-Tinkoff, phakathi kwazo iindawo zokunxibelelana kunye ne-Svyaznoy, i-MTS, i-Euroset, i-Beeline;
• Ngeenkqubo zokuhlawula "Kiwi", "Webmoney";
• Ukutshintshela kwelinye i-akhawunti ngokudluliselwa kwebhanki (enye i-credit kunye nemibutho yezemali ngokudluliselwa kwangaphandle kwiKhadi lokuThumela inokuhlawulisa ikhomishini).

Xa kukhankanywa imali, kubalulekile ukukhumbula ukuba umsebenzi awukhokhelwa kuphela xa umlinganiselo wokuzaliswa ungadlulanga ama-ruble ayi-300. Ngaphandle koko, kuya kufuneka ukhokhe i-2% eyongezelelweyo.

Oluthe ngakumbi malunga neCashback system

I-cashback yenza iKhadi eliNgciniweyo eliMnyama libe lincome ngakumbi. Iingxelo zathengi zihlala zikhankanya iibhonasi ezintle ngendlela yemali, ezibuyiselwa kwi-akhawunti emva kokuthenga. Ukulondoloza kuhlala kulungile, kwaye nge-Tinkoff akunzima kakhulu. I-Bhanki ihlawula imali emfutshane kwikhadi elimnyama kwixabiso le:

• 1% - kuyo yonke into yokuthenga * ;
• 5% - kwiimpahla ezivela kwiikhethi ezikhethiweyo ngamnye kumthengi;
• Ukufika kuma-30% - ukuthengwa kwizabelo ezikhethekileyo ezivela kubalingani bebhanki.

* Ukuhlawulwa kwemali ayifakwanga xa uhoxisa imali kunye nokwenza imali, ukuhlawula iinkonzo okanye iimpahla kwicandelo "Iintlawulo kunye nokutshintshwa", ukuzaliswa kwee-electronics wallet, iinkonzo zonxibelelwano, iinkonzo zezindlu kunye neminye imisebenzi. Unokubona uluhlu olupheleleyo lwezinto ezingabikho kwiwebhsayithi yebhanki .

I-cashback iyabalwa ekupheleni kwexesha lokuhlawula. Ukulandelela inkqubo ingaba kwisitatimende, esinikezelwa kumxhasi rhoqo ngenyanga. Kwixesha ngalinye, umnikazi wekhadi ubuyela kwi-ruble 3000.

Ngokuphathelele ukhuseleko lwabaNtsundu abamnyama

Uphawu olubaluleke kakhulu kwibhanki kunye nemveliso enikezelayo kukuba kukunyaniseka kokugcina imali kwi-akhawunti. "I-Black Hat" ibhekisele kumakhadi aphephile. Kule ndlela, amanyathelo amanyathelo athatyathwe:

• I-chip ekhusela ikhadi ukukopisha;
• Imida ekhangekayo yokurhoxiswa kwemali kunye nentlawulo yokuthengwa kwi-intanethi;
• I-3-D iteknoloji ekhuselekileyo yokuthengiswa kwe-intanethi;
• Ukukwazi ukunqamula ukuhlawulwa kwempahla kunye neenkonzo nge-Intanethi;
• Ukuvimbela izaziso ze-SMS ngeephasiwedi zexesha elilodwa;
• Ukudala i-akhawunti ephephile, eyenzelwe ukugcina imali.

Ngako oko, onke amanyathelo okukhusela anikezela imephu ye "Black Hat". Ingxelo yomthengi iqinisekisa izinga eliphezulu lokukhusela kunye nokulula kokulawula ukuhamba kwemali.

Izinzuzo zekhadi

Ngaba kufanelekile ukwenza "i-Black Hat" kwaye ziphi iingenelo ezichaseneyo phakathi kwezinye iimveliso zeebhanki? Cinga ngezinto eziphambili zeemaphu:

• Ukulula kokubhalisa kunye nokufumana - ngaphandle kokushiya ikhaya;
• Inqanaba eliphezulu lenkonzo kunye nokukhuseleko;
• Ukufumana ukurhoxiswa kwemali kuyo nayiphi na i-ATM kwaye ngaphandle kwekhomishini;
• Iinkonzo zamahhala;
• Xa uvula i-deposit - interest kunye nenkonzo yamahhala;
• Inkxaso ye-PayPass / PayWave inkqubo yokuhlawula ye-wireless;
• Ukuhlawula ukuya kuma-ruble angu-3000 ngenyanga.

Kukho neprogram yokudluliselwa kwabasebenzisi be-Tinkoff Black. Kulowo mthengi owanikwa, umvuzo weeruble ezingama-500 uyadingeka.

Ixesha elibi

Ukuphonononga malunga nemephu "I-Black Hatkoff" inokuhle, kodwa akusiyo yonke into eyithandayo. Injongo yokuvula i-akhawunti yebhanki iyahlukileyo kubo bonke, kunye nezicelo zepakethe yeenkonzo. Ngayiphi indlela abanye abasebenzisi be-Tinkoff Black badidekile? Izizathu ezibalulekileyo zokungonelelwanga ngekhadi zi:

• Imiqathango yokufumana imali yokugcina imali - umntu usebenzisa ikhadi njengediphozithi, kwaye u-8% ngonyaka ufuna ukuthenga;
• Iindleko zenkonzo (ii-ruble eziyi-1200 ngonyaka);
• Inani elincinci lokuhoxisa ubuncinane ngaphandle kwekhomishini;
• Inani elikhulu lemiqathango kunye neemfuno ezichaphazela inani lemishini kunye nemirhumo.

Ikhadi lesikwereti esikolweni: ukuhlolwa komsebenzisi

Credit - ikakhulu umsebenzi yebhanki Tinkoff. Fumana mboleko, ilula: ugcwalise ifomu uze ulindele ukuba umqhubi umnxeba. Vumela kube njalo, ibhanki akoyiki ukusebenza mboleko engakhuselwanga. Kodwa oku uyabhatalwa izinga lenzala, nto leyo eneneni kuba ngaphezu kwe-40%.

Leader phakathi ngetyala ngaseludinini - Tinkoff Platinum. Customer ngempendulo ngayo ezihlabanayo. Kwelinye icala, inzuzo waphawula ezifana cashback (1%), ixabiso eliphantsi inkonzo yonyaka (590 p.), A isithuba saphambi korhafelo (iintsuku 55). Noko ke, abantu abaninzi bakulumkele lula ngetyala, Ninganeli eliphezulu ngomyinge wenzala we-30 ukuya kwezingama-45% ngonyaka. Bonakalise mvakalelo, kunye neentlobo ngeentlobo iimeko and exceptions kubo echaphazela isixa iintlawulo kwi-mboleko.

An ukhetho umdla ukulondoloza imali kunye nokwandisa ikhadi debit "Tinkoff Black". Ukuphonononga, iimeko zokufumana nokusebenzisa kwaxoxwa ngazo kwinqaku ngokupheleleyo. Umfundi kufuneka nje ukuqonda iimfuno indlela eyamkelekileyo ebhankini, nokuba ikhadi enjalo intlawulo alisweleyo. Njengayo nayiphi na ibhanki, "zeplastiki", "Tinkoff Black" wadalwa ukwenzela iinjongo ezithile - nokwanda nokusetyenziswa kweemali. Kuphela phantsi kwezi meko akholiswe kwikhadi yomnini.