Imigaqo yokusetyenziswa kwekhadi lekhredithi yeSberbank: inkcazo, imiyalelo kunye neenkcukacha

I-Sberbank inikezela abathengi bayo iintlobo ezahlukeneyo zeenkonzo, eziphambili zazo iimali zokukhwabanisa kunye namakhadi eplastiki. Ukuthandwa kwale mihla ukususela ngonyaka ukunyuka, okukumangalisiyo. Ukuthotyelwa kokusetyenziswa kwabo akunakunakwa: xa ubonakala ebhankini kanye, awukwazi ukucinga malunga nokukhangela imali. Ngelo xesha, umnikazi weplastiki kufuneka abe esilumkileyo: emva kwexesha elithile, umdla omele uhlawule ngexesha "uhla." Ukusebenzisa imali mboleko kwiimeko ezilungileyo kakhulu kuwe, kukufanele ukwazi imigaqo yokusebenzisa ikhadi lekhredithi yeBhanki ye-Savings.

Ukuqalisa

Kungakhathaliseki ukuba yiyiphi ikhadi lekhredithi elikhutshelwe umnikazi, kufuneka "liqaliswe". Amakhadi eendaba ze-Sberbank avaliwe ukuze kungabikho mntu ongaphandle angasebenzisa imali kwi-akhawunti eboshwe kuyo. Emva kokukhangela ukuchaneka kokubhala ulwazi lomntu kwikhadi, kufuneka uqhubeke uyenza. Ukwenza oku, ufuna i-Sberbank terminal. Inkqubo ayithathi ixesha elide kwaye iyancitshiswa kwezi zenzo ezilandelayo:

1. Faka ikhadi kwi-terminal.
2. Faka i-PIN-code echazwe kwimvulophu (kwezinye iimeko, inhlanganisela eyimfihlo yamanani ivela kunye nomnini weplastiki yentlawulo).
3. Yenza nayiphi na umsebenzi (fumana ulwazi malunga nokulinganisela, yenza intlawulo, njl.).
4. Thatha ikhadi ukusuka kwisigxina.

Ukuba inkqubo yokusebenza ayizange yenziwe ngumxhasi yedwa, akukho nto eyoyikwenzekayo. Ikhadi ngokuzenzekelayo ivuliwe ngeeyure ezingama-24 emva kokuba ifunyenwe yibhankini.

Ukurhoxiswa kwemali

Imithetho yokusebenzisa ikhadi lekhredithi yeBhanki ye-Savings ayikwazi ukufaka into enjalo njengemali yemali. Umnini weakhawunti unokurhoxisa imali nakunoma iyiphi indawo, nangona kunjalo, indleko yenkonzo iya kuhluka. Ikhomishini ihlawuliswa naliphi na ukuthengiselana kwenzelwe ukukhupha imali kwikhadi lesikweletu. Isibhengezo seBhanki ye-Savings siza kubhala ngaphezu kwe-3% kwiinkonzo zayo (ubuncinane ubuncinane bama-ruble angama-390), kunye nezixhobo zamanye amabhanki ziza kucela i-4% ngexabiso elilinganayo le-rhulo 390. Umzekelo, ukuba ususa ama-ruble ayi-100. Ibhalansi ye-akhawunti iya kuncipha ngama-ruble angama-490. Le mali ithathwa njengeyichithwa, kwaye inzala kwimboleko ibuye ihlawulwe kubo. Ngoko ke, kucetyiswa ukuba kufakwe icandelwana elilandelayo kwimigaqo yokusebenzisa ikhadi lekhredithi ye-Sberbank: akunakunceda ukurhoxisa imali encinci yemali, ikhefu elifanelekileyo liza kukhupha ii-ruble ezili-10. Naphezulu.

Ukongeza kwikhomishini, kukho umda wamakhadi-ngxowa-mali ukukhishwa kwexesha elilodwa, elilingana nama-ruble amawaka ayi-50. Abanikazi beplastiki "yeplastiki" njenge-Visa Gold kunye ne-MasterCard Gold banethuba lokukhupha i-ruble ezingama-300 ngokukhawuleza.

Indawo yokuhlala engekho imali

Ukusebenzisa imali, nangaphandle kokuzibamba ezandleni zakho, kubonakala kulula kwaye kunenzuzo. Awudingi ukuphatha inani elimangalisayo lamatyala, ukwesaba "ukukhanya" kuluntu. Ukongeza, umsebenzisi uvula umnyango kuyo nayiphi na isitolo se-intanethi. Ngaphandle kokushiya ekhaya, unakho ukuhlawula nayiphi na intengo kunye neenkonzo apho iintlawulo ezingekhokheshi zixhaswa .

Ukuba ufuna imali kwivenkile, kwindawo yokutyela okanye nakwezinye iziko, kufuneka ucele indawo yokuhlawula. Ifaka ikhadi, lingena kwi-PIN, kwaye ke ukuthengiselana kwenziwa. Ukuba imali iyanele, iphelelwa ngempumelelo. Ngelo xesha, umnini wekhadi lesikweleti akayi kuhlawula ikhomishini yeepenny kwaye ufumana amanqaku ebhonasi phantsi kwe "Ndiyabonga kwiSberbank". I-cashback yi-1.5 ibhonasi nganye ye-ruble kwiinyanga ezintathu zokuqala ukusebenzisa ikhadi kunye no-0.5 b. Emva kokuphela kwayo. Amaphuzu aqokelelweyo angakhokhelwa ukuthenga.

Abanikazi beekhadi zekhredithi "zegolide" zenza iintlawulo ezingekhokheshi zilula nakakhulu: amakhadi axhasana nekhompyutheni yentlawulo yokunxibelelana ne-PayWave / PayPass. Ukwenza oku, vele uzise ikhadi kwikamva lokuhlawula. Awudingi ukungena i-PIN okanye usayine isheke.

Ngaba kunokwenzeka "ukugqithisa" ikhomishini yokurhoxiswa?

Abantu abangenangqondo, sele befunde malunga nentlawulo enkulu yokukhupha ngaphandle kweendlela, zama ukufumana ezinye iindlela zokurhoxisa imali. Ukuguqulwa kokuqala kweKhadi kwiKhadi okanye ukuzaliswa kwekhredithi ye-elektroniki kuza engqondweni. Ngelishwa, ezi ndlela aziyi kusebenza kunye nekhadi lekhredithi yaseSberbank. Ikhadi alinalo msebenzi ololo hlobo: akunakwenzeka ukudlulisela imali kuyo nayiphi na ikhadi lebhanki (nokuba yedwa) okanye lizalise ngekhredithi yekhompyutha.

Enye indlela yokurhoxisa ngokukhawuleza kwemali kwikhadi lekhredithi kukuba: kufuneka uzalise iakhawunti yakho yefowuni, uze uhoxise imali ngeenkqubo zokuhlawula umsebenzisi we-telecom. Ikhomishini isasetyenziswe, kodwa ixabiso elincinci. Le ndlela ithatha ixesha elininzi kunye namandla kwaye ithembisa inzuzo engathandabuzekiyo. Kodwa kuya kunceda ukugcina ixesha lobabalo. Kwiimigaqo yokusebenzisa ikhadi lekhredithi yaseSberbank kuyimfuneko ukuba ufake into enye into: kuyimfuneko kuphela ukukhupha imali njengento yokugqibela. Inkqubo ayigxininisi kuphela ikhomishini enkulu, kodwa iphinda inqande umnini wenzuzo ebalulekileyo yekhadi lesikweletu-ixesha lobabalo.

Indlela yokuhlala "kwi-plus" yomboleko?

Imithetho yokusebenzisa ikhadi lekhredithi yaseSberbank yaseRashiya ibonakala ilula: xa usichithe imali kwi-akhawunti, kufuneka ibuyiselwe. Ngaphandle kokungena kwisiseko senkqubo, abaninzi banqanyulwa yimali elula kwaye ibhanki inemali ebalulekileyo. Ungayisebenzisa njani ngokukhawuleza ukulahla imali kwaye ungangena kwi-matyala? Kulula. Ibhanki inikezela umxhasi ngesithuba sothando xa ungasebenzisa imali ngezinga le-0%. Ukubuyisela yonke imali ngaphambi kwexesha elimisiweyo, umgcini wekhadi uhlala ephumeleleyo: akazange ahlawulise ipenny, kunye neepalati zebhonasi ezamkelekileyo.

Imithetho yokusebenzisa i-Sberbank's credit card "Visa" okanye "i-Mastercard" yokufumana inzuzo enkulu kwi mboleko ilandelayo:

• Sebenzisa imali kuphela ngendlela engekho imali;
• Ukubala ngokufanelekileyo ixesha lobabalo ukwenzela ukuba ube nexesha lokwenza imali ngaphambi kokubala umdla;
• Musa ukulibala ukuhlawula ngexesha lokuhambisa ikhadi.

Ngaphambi kokuba uchithe imali ngekhadi lesikweletu, kuyafaneleka ukuba ucinge ukuba ngaba kuya kuba nethuba lokuhlawula imali ngaphambi kokuphela kwexesha lobabalo. Ngaphandle koko, ibhanki iya kufuneka ihlawule ipesenteji enkulu.

Ngundoqo yexesha lobabalo

Ngaphambi kokuba ikhredithi ikhutshwe, igosa lebhanki lizisa imithetho yokusebenzisa ikhadi lekhredithi yaseSberbank. Ixesha lobabalo lweemveliso ezifanayo ziintsuku ezingama-50 kwikhalenda. Kodwa akusoloko ecacileyo kumsebenzisi wokugqibela, ukusukela nini ixesha lokubala liqala kwaye xa kuyimfuneko ukuhlawula ityala.

Isakhiwo senkathi yobabalo siquka imiqathango emibini: iintsuku ezingama-30 zokuthenga kunye neentsuku ezingama-20 zokubuyiselwa. Ixesha lokuqala libizwa ngokuba lixesha lokuhlala, liqala ngokusetyenziswa kwekhadi lesikweletu. Unokukufumana kubasebenzi bebhanki. Le yinombolo ethile yenyanga, ehlala ihlala ihleli. Kwiintsuku ezingama-30 (ngezinye izihlandlo ezingama-31), umnikazi wekhadi wenza iintlawulo, emva kokuphelelwa kweli xesha, isaziso sokukhishwa kwezinto zonke ezichithwe, inani lemali kunye nenkokhelo encinci ezayo. Kufika ixesha lokuhlawula - iintsuku ezingama-20, ngexesha apho umboleki ebophekile ukuba akhokhe ngebhanki.

Kunceda njani ukuba babuyisele imali mboleko?

Kwiintsuku ezingama-20 umnikazi wekhadi kufuneka enze intlawulo. Ngexesha elifanayo, inzuzo yentengiselwano incike kumboleki: ukuba uhlawula ngokukodwa imali esetyenzisiweyo kwixesha lokuhlawula, akuyi kubakho imali ehlawulwa ngaphezulu. Omnye kufuneka alumkele imeko yokunika intlawulo ekhethiweyo kwisilinganiso se-0%: umgaqo usebenza kuphela kwiintlawulo ezingekho mali. Ngenxa yokurhoxiswa kwemali, inzala iya kuhlawulwa kwisixa semali (kunye nekhomishini) imihla ngemihla, ngoko kufuneka ubuyisele le mali ngokukhawuleza.

Ukuba ubuyisela imali yonke kwiintsuku ezingama-20, kufuneka wenze okungenani ubuncinane intlawulo ye-5% yemali esetyenzisiweyo. Oku kubandakanya iikomishoni (ukukhishwa kwemali, iinkonzo zamakhadi, iinkonzo ezihlawulwayo), inzala kwimisebenzi engabandakanywa kwiimali ezikhethiweyo, kunye neentlawulo (ukuhlawulwa kwexesha elide, ukudlula umda wesikweletu). Le meko iya kuqhubeka rhoqo ngenyanga, ide umthengi ahlawule yonke imali kunye nomdla. Ngomlinganiselo wezinga kulo mzekelo, akumele utsho.

Qaphela kubani bamakhadi ekwereta

Eli nqaku lihlola iinjongo eziphambili umnini-mboleko oza kuhlangabezana nazo. Ukuqulunqa imithetho yokusebenzisa ikhadi lekhredithi yeBhanki yoSondlo. "I-Visa Gold" iya kuba ngumzekelo:

• Ukusetyenziswa kwekhadi kwenziwa nge-terminal kunye nokufakwa kwe-PIN-code;
• Ukurhoxiswa kwemali kubangele inkcitho yemali eyongezelelweyo (3% yemali, ubuncinane ubuncinane bama-ruble angama-390) kunye nokuhlawula umdla kwansuku zonke ngexabiso lekhomishoni yemali engxowanisiweyo;
• Ukuhlawula imali echithwe yi-non-cash payments, kwenzeka ngexesha lobabalo;
• Ukuchitha imali engakumbi kwinzuzo ekuqaleni kwexesha lokubhatala, ngoko-ke ukusetyenziswa kwe-intla-ntlalontle kuya kuhlala kusele iintsuku ezingama-50;
• Ukuba awukwazi ukuhlawula yonke imali, kufuneka wenze ubuncinci bentlawulo ephakanyiswe yibhanki (5% yekhomishini yeendleko), ngelixa inzala kwimali yesikweletu iya kuhlawulwa imihla ngemihla kwi-17.9-23% ngonyaka (ngekhadi leGadi), eya kufuneka ihlawulwe Sekudlulileyo kwixesha elilandelayo kunye nenxalenye yetyala elikhulu;
• Iimali ezichithwe ngexesha lokuhlawula ziya kufakwa kwinyanga ezayo kwaye aziyi kuba phantsi kwentlawulo ekhoyo.

Iingxelo malunga neengxowa-mali ze-Sberbank zikhangeleke kakhulu: abathengi abaninzi banelisekile ngemimiselo yokufumana ikhadi kunye nokubuyiselwa kwemboleko. Ngokutsho kwabanini, iplastiki iqhutyelwa ngokukhawuleza, kwaye kuyavuya ukuyihlawula.

Imigaqo yokusebenzisa ikhadi lekhredithi ye-"golden" yaseSberbank, kunye nezinye iimveliso, kuya kunceda ukwenza iimali mboleko phantsi kweemeko ezilungileyo kakhulu. Ukwazi zonke "iinjongo" kwisivumelwano ziya kukhusela kwizigqibo kunye nezenzo ezingenakuthathazeka. Ngokubanzi, kufuneka kuphela ukubala ngokuqinisekileyo amandla akho, ukuze ungayisebenzisi kuphela imali mboleko, kodwa ungayikhokheli ipenki kwibhanki.