Ikhadi lamatyala "Russian Standard". ikhadi lamatyala "Standard Russian": ncomo

Kunzima ukuba nomfanekiso-ngqondweni ngobomi bomntu ishishini kunye ikhadi lamatyala. Kwaye ke uninzi lwabantu ngempumelelo abamkela imali encinane, kunye nokusetyenziswa zisaqhubeka debit kunye credit cards, maxa wambi eziliqela. Imfuneko le mveliso namhlanje mkhulu kuwo onke amacandelo oluntu, kunye nomdla kube ngaphezu gwe. La makhadi zikuvumela ukuba kusoloko kukho unikezelo asethi ezamahala zemali, nokuba lomvuzo, yaye ngokwenene ukunceda xa kuthe likaxakeka ezahlukeneyo, ukuthenga ezikhululekileyo. Ukuza kuthi ga ngoku, kukho uluhlu olude enkulu kweebhanki iziphakamiso umdla kakhulu kule ingxenye. Phakathi kwabo - zingqineke kakuhle kule minyaka imbalwa idlulileyo, "Standard Russian". Ngaphezu kwezigidi 25 baseRashiya basebenzisa namhlanje iimveliso ikhadi le-Bank. ikhadi lamatyala "Standard Russian" ezikhutshwe kule mali bamacandelo malunga nezigidi ezingama-40, kwaye oku kumda. Yintoni na ngoko nomtsalane ngayo ukuba abemi beli lizwe lethu? Njani kwaye yintoni iimeko kufuneka kubalwe ngokusebenzisa isicelo ebhankini? Le yimibuzo eli nqaku liza kuphendula.

inkcazo ngokubanzi ikhadi lekhredithi yebhanki

Imiqathango kunye nemigaqo yokusetyenziswa olu hlobo lemveliso ezifanayo yeebhanki ezininzi. Kodwa ngamnye kubo awohluke zalo eziluncedo. Yintoni ephawulekayo ikhadi lamatyala "Standard Russian"? Okokuqala, kulula kakhulu ukufumana, yaye ngokufuthi akunalo mfuneko ukuya elunxwemeni. Yenza isicelo kunokuba online kwi kwiziko lamatyala. Oku kuza kufumana imali fast, kodwa ukusa kumkhamo othile. Isibakala sokuba ikhadi ubukhulu ngu 450 lamawaka engange. Ukuba babale inani elikhulu enjalo, kuya kuthabatha, ukongeza kwiseti eqhelekileyo (yokundwendwela kunye xwebhu yesibini), ukunika isiqinisekiso ka-2-NGOBUCHULE, yaye ngenxa yale njongo kufuneka kodwa ukundwendwela ibhanki "Standard Russian".

Yenza ikhadi lamatyala ukufumana isixa esikhulu, kwaye xa kunokwenzeka ukuba abamnyama indawo okanye imoto. Emva koko ke kufuneka kubonise isicelo i data. ingcaciso elolu hlobo luza kuvumela iBhanki ukuba ngcono ukuhlola imeko yemali umboleki kwaye anikezele kuye ukusetyenziswa isixa esikhulu semali.

Izinto eziluncedo ikhadi - ngethuba layo umdla-free, apho iintsuku 55. Ngeli xesha, unako ukuhlawula imali ebolekiweyo ngaphandle ekuhlawuleni inzala yezavenga ebhankini. Nangona kunjalo, oku ngokuzithandela. Imali inokusetyenziswa kwakhona ixesha elide ukuba akukwazi ukuhlawula ityala ngeli xesha elilinganiselweyo. Imeko kuphela - ukwenza intlawulo ongama-5% ngetyala isebenzisa qho ngenyanga.

ikhadi Clearance kunye neemeko

Kubani kwaye phantsi kweziphi iimeko anikwe ikhadi lamatyala "Standard Russian"? Esi sicelo kufuneka singeniswe ngabantu na ongaphantsi kweminyaka eli-25 (abo kweminyaka eli-18, kukho olulodwa) kwaye kungekho ngaphezulu kwe 65 Kulo mzekelo, unako ukubala lo mpoposho ilandelayo:

• umda credit ukuya ku 450 lamawaka engange;
• 0% uhlawule kwiintsuku 55;
• 36% xa usebenzisa ikhredithi kuthetha iintsuku ezingaphezu kwama-55;
• 4.9% kwi etsalwe imali-ATM;
• Free ukungeniswa kwesicelo kunye nokukhululwa;
• 600 engange wenkonzo yonyaka.

Ukongeza, xa kwimeko imbali yekhredithi HIV kunye nokusetyenziswa rhoqo kwekhadi, umda wayo uya rhoqo kwandiswa. Kwakhona kwimephu kuthetha eseleyo ebhankini uwunike ipesenti encinane - 3% ngonyaka ngamnye (akwazuza, kodwa nice).

Gcina kwi mephu kunokuba zombini ngetyala kunye kwezengqesho (ukuba ipesenti yabo yokuyeka engekho). Unako ukuhlawula zombini eRashiya kokuhamba ehlabathini lonke.

Iintlobo credit cards

Okulandelayo sijonga kwezinye kwezindululo ezininzi umdla bhanki kudidi credit cards.

Ikhadi "Malina"

Ngokuxhomekeke kwiimfuno zakho, ungakhetha kwezahlukeneyo iimveliso ngetyala ngaseludinini "Standard Russian". Imiqathango ikhadi lamatyala eya kubangela umdla abalandeli ukuthenga, - "Malina". Ukongeza zonke iimpawu esezantsi ikuvumela imali iibhola bonus kwi mali kweeyunithi 10-15 ngasinye $ 100 ezichithwa kwikhadi. Kwixesha elizayo, ukuba zibe nokutshintshanisa izipho ezivela kwikhathalogu olukhethekileyo "Malina". Le nkqubo ibandakanya iintlobo cafes kunye zokutyela, iivenkile intanethi, kwiikhemesti, ipetroli, ukucoca kunye nezinye iinkonzo. Eli khadi inokuba isipho esikhulu ngenxa yomfazi amthandayo.

Cash Back Card

Kukho nezinye card enomtsalane credit "Russian Standard", sivumele ukuba bangenelwe ekuthengeni. Ibizwa ngokuba ngu-Cash Back. Nkqu negama kucacile ukuba loo nto yenza ukuba kube lula ukuvelisa inxalenye yemali echithwe kwi khadi. Lithenga lokuqala yi-10%, kwaye kwixesha elizayo - ukusuka ku-1 ukuya ku-3% ngokwandisa (ngokuxhomekeke umthamo purchases). Enye inzuzo eli khadi - ipesenti yokusetyenziswa imali mboleko, nto leyo 29% xa kuthelekiswa nomgangatho 36%. Agree umnikelo nomtsalane.

Imephu Blue American Express

Le imveliso - into oyinto ngokwenene abo ukuhamba rhoqo kwaye ithatha unonophelo ukhuseleko mali zazo. Yintoni ikhadi lebhanki letyala, le "Standard Russian" abanikazi bazo? Okokuqala, ukukwazi ukukhusela imali yabo imisebenzi yobuqhophololo nesigubungelo (compensation) ukuya amawaka 10 eerandi US. Okwesibini, i-inshorensi zomthetho kunye zonyango imithwalo phakathi uhambo omabini kweli lizwe nakwamanye amazwe. Okwesithathu, abuyele ikhadi kwi-2% yemali asenzelwanga ethengwayo ukususela kwimephu. Ukongeza zonke ezi iingenelo, omnye isipho - ngunyaka ebhankini free. Oku kuya kuvumela ingakumbi uthandabuzayo khangela zonke iimpawu wemveliso, ngaphandle kokuchitha imali engange olunye kwisikolo ngokwaso. Uya kubona, uya ungathanda eli ikhadi lamatyala "Russian Standard"! Reviews ngale mveliso iqinisekisa ukuba siqhubeka sizuza kule minyaka izayo, nangona iindleko yolondolozo lwezakhiwo mali engange-900. Hi ndlela leyi, ipesenti yokusetyenziswa kwemali kwakhona ngaphantsi phantsi kweemeko eziqhelekileyo, no-29% ngonyaka.

Imephu "Student"

Ekugqibeleni sifika kulutsha imveliso, ngoko wacela yi kubemi umfundi. Student Credit Card "Russian Standard" ilungiselelwe abantu abaneminyaka eyi-18 ukuya ku-23 ababhalise kumaziko emfundo ephakamileyo emasebeni ngqo nengxelo-ntetho. Kuba ukubhaliswa kwayo kuya kufuneka ukuba unike ikhadi umfundi yebhanki okanye incwadi abhale ukuqinisekisa isimo sabo. Kuba entsha, ngokufuthi abangaphangeliyo (okanye imivuzo Ukongezelela), abafundi yalo imveliso nomtsalane kakhulu. Kufuneka ukuba ikhadi engange-200, yaye angeniswa kuphela kunyaka wokuqala ukusetyenziswa. IZenzo phezu kwayo, ixesha umdla-free kunye Ubhejo ngezantsi nemiqathango - 29%. Ukongeza, ukuhlawula eli khadi, uyakwazi ukufumana iibhonasi enomtsalane ngohlobo ngezaphulelo ukuya kwi-30% kwi ezahlukeneyo cafes, amaqela kunye nezinye iindawo yokuzonwabisa ezithandwa phakathi kwabantu abatsha.

Ngokubhekiselele kumda, zoqobo efakiweyo ubukhulu encinane. Ngokuqhelekileyo amawaka 10 engange, ezo zihlaziywe rhoqo mali nokuhlawulwa kwamatyala. Nangona kunjalo, kunye nokusetyenziswa rhoqo nangenyameko komda khadi iza kwandisa elunxwemeni, ukuba uya kubona umfundi kwezibonelelo ngetyala. Ngokubanzi, eli khadi - indlela enkulu ukunyusa ubungakanani imali yabo ephaketheni bafunde indlela yokusebenzisana kunye namaziko ngetyala.

isiphelo

Plastic namhlanje - a replacement lula yaye ngokufuthi iindleko-olululo sipaji. A ikhadi lamatyala "Standard Russian" - iluncedo ukwandisa izakhono zabo zemali kunye nokusetyenziswa kwemali yebhanki ngokwemiqathango kakuhle, kwaye kwezinye iimeko phantse simahla. I-Bank inika ezahlukeneyo ongazikhetha kunye neemeko ezahlukeneyo kunye neebhonasi ukuba uyakwazi ukukhetha ngokweemfuno zabo kunye nobume. Sebenzisa ikhadi lamatyala ukwenza ubomi bakho zinemali kukhanya!