Lwemali ikhadi lebhanki kungcono?

Ukuthandwa neentlawulo non-cash yanda suku ngalunye. ikhadi seplastiki ungakwazi ukuhlawula amatyala ezivenkileni, cafes, iindawo zokutyela, izikhululo zepetroli, amaziko empilo kunye njalo njalo. D. Ngokuba izibalo kwi kummandla Russia ukuvula akhawunti engange Russian. Ukuze kuyo iqhotyoshelwe debit khadi. Kodwa kuthekani ukuba umntu esiya kwelinye ilizwe? Yeyiphi credit card ukuvula ngcono? Lwemali. Kuba andivi kunjalo kakhulu "hit kwi isipaji 'ngamaxesha obunzima.

Cash okanye ikhadi

De kwiminyaka embalwa edlulileyo phambi kokuba uhambo aphesheya baseRashiya ukuthenga iidola kunye euro ofisi exchange. Eziye zafunyanwa kakuhle kangaka kude. Kodwa ke kubhetele ukukhupha ikhadi lebhanki uze ugcine imali kuyo. Ngoko ke akukho mfuneko yokuba ithwale isipha kwemali, yaye kwimeko zokulahleka ngendlela zeplastiki zokuthenga itshixiwe. Xa izihlobo meko zinzima uya kusoloko kuba nako ukuncedisa akhawunti yakho engange.

Kwemali Ikhadi eRashiya ayikho cwaka popular njengoko debit njengesiqhelo. Abasebenzisi ukuba imibuzo emininzi. Ngaba kunokwenzeka ukuba lihlawule kwiivenkile aseYurophu? Yintoni na ikhomishini ebhankini? Apho ngcono ukurhoxisa imali? Indlela yokukhusela nxamnye ubuqhophololo?

iintlobo

Iinkqubo Intlawulo ixhaphakileyo ehlabathini - nge Visa kunye MasterCard - ayikhuphi amakhadi zeplastiki nayiphi iyunithi lemali. Ukuba ungakwazi ukuhlawula off evenkileni, apho kukho logo ahambelanayo. Kodwa kwiingingqi ezininzi bokuqonda yayo. Ngokomzekelo, inkoliso ezivenkileni eYurophu abasamkeli iplastiki ngaphandle chip. E Germany, kulula ukuba ukuhlawulela nokuthengwa ikhadi Maestro. Geopolicy nayo ibalulekile. Kwemali Card, ekhutshwa iibhanki Armenian e Azerbaijan akayi kwenza. E Central America ayizamkeli amaxwebhu credit esikhutshwe eUnited States, njalo-njalo. D.

Kumazwe apho iingxaki kushishino babakhenkethi kunye bakhupha imali ngeke. Ukuba zihamba kwindawo enabantu, kungcono ukutshintshiselana imali eRashiya. Indlela kukuba ukuthatha omnye kodwa ubuncinane ezithathu cards: umvuzo, ikhadi emali ngetyala. Into esemqoka ukuba ekhutshwe yi-MVUME LOKUNDWENDWELA LEXESHANA okanye MasterCard kwimigangatho eyahlukeneyo.

iindleko

Ukuze kuyiwe eYurophu limi ikhadi imali evulekileyo zeerandi okanye US. Ruble Visa Classic kunye MasterCard Standart amazwe khona. Kodwa ukuthenga imali eninzi kakhulu ngenxa uguqulelo kwezifundo. Yintoni na? Ukuba i-akhawunti aya yamanye amazwe (dollar, euro), esi sixa siya zitshintshwe zibe engange ngomlinganiselo St Petersburg. Ukuba iimpahla ihlawulwa franc Swiss, inani nto iya kuguqulelwa once more ukuya lwemali lwe-akhawunti. Kuba abanjalo eyekiweyo zentengiselwano nganye.

Musa ukulibala malunga ilahleko exchange angaphandle. Ngelo xesha semali ekuthengwe ngalo kwi-akhawunti ivaliwe. Ngaba acinywa xa ibhanki lifumana isiqinisekiso wo yingisela. umahluko Ixesha kuthatha iintsuku eziliqela, ngexesha apho utshintsho rate.

Zokurhoxisa amazwe kunye ikhomishini akhawunti engange ibiza ibhanki elikhupha ekhuphe ikhadi, kunye neqabane Abagcini kuyo. Kukho kwakhona imida kwi yemali, leyo kufuneka acacise phambi kwamanye amazwe.

ukuphepha

Ubuqhetseba kunye iplastiki kwenzeka, kodwa kunqabile. abasebenzi Isondlo akanako ukwenza i data. Yonke imisebenzi kuqhubeka phambi umsebenzisi. Kwemali Ikhadi "Priorbank" ine ezihamba ngogesi, PIN kunye CVV-code. Ukongezelela, abasebenzisi yenza inkonzo SMS-ulwazi malunga nokungena kwezimali, abeke izithintelo yezavenge, sibhalele-off kwi-akhawunti lungadlulanga usuku okanye kwilizwe elithile, njalo njalo .. Xa ithiyori, ibhanki unyanzelekile ukuba ukubuyekeza imali ebiweyo xa umxhasi bazisiwe ukubiwa imali emini emva wafumana SMS.

VS engange currency Savings Bank Card

Ekupheleni kuka-2014, abasebenzisi abaninzi bakhalaza ukuba ukuthenga ezivenkileni angaphandle kwi-akhawunti ithathwa mali inkulu ngaphezu kwi-invoyisi. NgoDisemba 17, le engange kwi kwimarike ozalwa i lehla ukuya kuluphawu 61.1 ukuya 80. Zonke iintlawuliso ukuthenga ezivenkileni amazwe yenziwe kwi izinga elitsha. Ngenxa yoko, abanini zamakhadi engange kwamiswa overdraft. Amaziko amaninzi zemali, ulawulo uwunike apho ityala client phantsi akhawunti kwenye kubuyekezwa ngeendleko lomnye. Kukwasebenza kwanjalo kwiinkonzo online kunye ATM. Xa terminal inika Imali ecelwe lwemali amazwe, oko akuthethi ukuba le mali loyiswa kwi ukusuka akhawunti. Le meko inkcazelo elungileyo kakhulu amancedo amakhadi imali yelinye ilizwe. Abekho phantsi ukuba babelane umahluko rate. Njani ukuba alahlekelwe imali ngamaxesha ukwehla? Yenza ikhadi lwemali kwaye okuhlawulela iimpahla zakhe ezivenkileni zangaphandle kunye neenkonzo.

Oko kufuneka sinikele ingqalelo

Phambi ngokuvula i-akhawunti kufuneka wenze isigqibo malunga iklasi kunye nohlobo yesixhobo sentlawulo. "Standard" amakhadi kunye 'intlawulo' ukunikela abathengi ukhetho oluninzi. Kodwa imisebenzi yabo iya kuxabisa idenariyo entle. Lwemali MasterCard Standart Card okanye Visa Classic ekhutshelwe $ / € 10-15. Zinokusetyenziswa ukurhoxisa imali, okuhlawulela iimpahla, irente, kwihotele kwamathandabuzo, amatikiti umoya. Iimephu okanyengaphezulu ukwenza umsebenzi ofanayo, kodwa bonisa imeko yemali ngumnini. "Technobank" inikeza nabathengi ukuba kukhutshwe Visa Gold okanye Visa Platinum 10 no-50 y. e., ngokulandelelana. Unyaka wokuqala wenkonzo buxabise umnini ku $ / € - ne30-50, okwesibini - $ / € - 40-100. IBhodi bakhupha kuthetha ezifakwe esisigxina (2-3 e. E.) Kunye variable (2-3%) nobungakanani.

Khetha indlela yokuhlawula ezinye iinkqubo ayikho imfuneko. I-American efanayo Express iye awukabi kulo lonke ihlabathi. Lwemali Ikhadi kuvula zeerandi okanye euro. Akhawunti kwezinye iiyunithi yimali ehlawulwa umnqamlezo-rate. Abakhenkethi abahambayo okuninzi, iyavakala ukuvula i-akhawunti multi-lwemali. Kulo mzekelo, yeplastiki ungahlawula iimpahla engange, zeerandi okanye euro. Iindleko yenkonzo kuba ixesha lonke iya kuba 10-55 zeerandi.

uhlobo

Amakhadi debit ixhaphakileyo zisetyenziswa njenge isipaji elektroniki. Credit yamanye amazwe uya kukhutshwa abathengi kuphela inqanaba eliphezulu yengeniso. Kungcono ukukhetha iinkqubo ukuba inzala ibalwa kwimali osetyenziswa. Uhlobo kakhulu elilelona - ikhadi yokonga. Ungasebenzisa ukuba ukuhlawula amatyala nokwandisa imali yakho. i avareji ngereyithi eyi-5% ngonyaka. Kukho uxhomekeke yibhanki kunye nemiqathango yenkonzo.

Xa ikhadi lwemali yoyilo ukuba iklayenti nangoko ukuvula i-akhawunti kwiyunithi lwemali zabo. Yenza iintengo neentengiso kunokuba ngqo kwi internet banking. Kodwa ke kuya kufuneka ukuba ukuvula ukuthunyelwa kwemali phakathi kwabantu akhawunti sendleleni. Lo mthetho, ingakumbi, izenzo Savings Bank. "Tinkoff" inikeza imali abathengi imali ngqo ngenkqubo transfer UQHAGAMSHELWANO intanethi kwaye akukho myalelo. Kuba uqhaqho kwanele ukuba ukhankanye inombolo yesixhobo sentlawulo.

Imiqathango yosetyenziso

Yeyiphi ikhadi ikharensi ngcono - kwimeko nganye umntu uzenzela isigqibo ngokwakhe. Eyona ubenomtsalane abathengi yi ikhadi lamatyala in zeerandi okanye euro. imali waboleka zinikwa phantsi ipesenti esezantsi, kwaye kufuneka ukuba ahlawule intlawulo ukuguqulwa. Kodwa ukuba sisebenzisa eli iindlela zokuhlawula eRashiya, esi sixa siya ngokuzenzekelayo iguqulelwe engange ngezinga yangoku. Ukurhoxisa imali kunokuba nzima. Ukuze uhlaziye-akhawunti yakho, kuyimfuneko ukuba babelane engange dollar okanye euro.

yamaphepha eziluncedo lwemali:

• Umlinganiselo wenzala inkonzo kwiindawo 2-8 ngaphantsi xa kuthelekiswa akhawunti engange. Commission idla umiselwe lonke ixesha ikhadi semthethweni.
• Ngoko unesisa ungakwazi ukuhlawula izinto ezithengwa ezivenkileni amazwe online. Eyona nto ibalulekileyo - ukususa isithintelo kwimisebenzi zebhanki ngekhompyutha.
• Xa kubhaliswayo ikhadi kuyimfuneko ukunikela ingqalelo iimpawu zayo. Abantu abahamba rhoqo, kubhetele ukhethe yeplastiki uluhlu ubuninzi lweenkonzo. Kulo mzekelo, abanini baya kufumana izaphulelo kumaziko mali neenkqubo zentlawulo amaqabane.

ikhadi yokonga lwemali

Eziyimveliso ngezixhobo intlawulo amazwe ngenkankulu kune-5% ngonyaka ngamnye. Ngoxa iirhafu iidiphozithi e engange phantse izihlandlo ezili-10 ngaphezulu. Ingaba ikhona indawo umngcipheko?

Amakhadi ugqibelele ukuba abantu abafuni ukuba ahlukane kulondolozo kwithuba elide, usoloko ekulungele zigcine ngesandla (kwaye hayi kwijokhwe yakho yeglasi ekhaya) kwaye ufumane ibhonasi entle. Amazinga phezu kwabo ngenxa 1-2% ngezantsi iidiphozithi imali yelinye ilizwe. Ukongeza, ikhadi angasoloko ukudibanisa zebhanki yakho ne-intanethi.

Kodwa kukho ezinye downsides. Lokuqala - i balance. Inxalenye yale mali kwi-akhawunti "emkhenkceni 'ukuze lonke ixesha osebenzayo. Emva kweli xesha, imali ibuyiselwe kumniniyo. Le ethile yesibini - isivuno 4.5-5% kuphela ukuba izixa ezigqithileyo amawaka aliqela eerandi.