Yeyiphi ikhadi lamatyala yeyona inzuzo: Ukubuyekezwa abanini, kunye neempawu umdla

nyaka ngamnye ikhadi lamatyala phakathi eRashiya iya ethandwa kakhulu. Oku kungenxa yezizathu ezininzi, kodwa ke eyona nto zokufunda mali zabantu kunye nokuphucula iimeko yeebhanki. Ngenxa ababolekisi ukhuphiswano enkulu ziphuma iimveliso ikhadi elitsha. Kodwa abaninzi umbuzo ophakamayo, yintoni ikhadi best ngetyala. Zokukala inzuzo ziza kuboniswa kwinqaku. Ngokusekelwe kulo, ungakhetha into efanelekileyo.

Iimpawu amakhadi eliphantsi

Yeyiphi credit card inzuzo kakhulu? Ukuphonononga zibonisa ukuba kuyimfuneko ukuba sigxile imiqondiso embalwa ukujonga imveliso zebhanki efanelekileyo. Ezi ziquka:

1. inkonzo yonyaka. Eli parameter engundoqo eya kuqwalaselwa xa kukhethwa imveliso mboleko. Abaninzi kubo inkonzo ihlawulwe, kodwa iimeko kunokuba luncedo. Eli khadi kufuneka kukhethwe ukuba imiqathango uhlawula ixabiso.
2. Cashback. amakhadi amaninzi olu phawu, kodwa ubungakanani bayo neemeko inokuba nomahluko.
3. period Grace. Kunqweneleka ukuba abe elide kangangoko kunokwenzeka. Oku kukuvumela ukuba usebenzise imali zize zizibuyisele ngaphandle kwenzala.
4. Commission. Nenzuzo enkulu ukuba ukhethe ikhadi kungekho ikhomishini ngemali okanye oko kuncinane.
5. Intlawulo ngeenkonzo ezongezelelweyo. Ngokuqhelekileyo iibhanki ezinezinto usebenzisa ikwazisa SMS, umsebenzi amakhadi recharge, transfers. Iinkonzo zingaba abakhululekileyo ihlawulwe.

Kuyinto ngokusekelwe kwezi nqobo kufumaniseka yeyiphi ikhadi lamatyala yeyona inzuzo. Ukuphonononga kubonisa ukuba kuyimfuneko ukuhlola iimeko yeebhanki eziliqela phambi kokuba ufumane ngetyala. Uyacetyiswa ukuba uqhagamshelane amaziko ezithandwayo. Yintoni ikhadi inzuzo letyala? Senza izigqibo ngokwesiseko kwamanqaku.

Number 1 - "Tinkoff Bank"

Credit Card Bank of kakhulu ongenakunceda nto? Ukuphonononga zibonisa ukuba le yimveliso "Tinkoff Bank". Ukuwumisa, ungasebenzisa i Internet. Akukho mfuneko yokuba ukunikezela iziqinisekiso engqesho. Xa kuthelekiswa nezinye iiBhanki, "Tinkoff" ithumela yeplastiki yekhuriya, yaye ngoko, kwiintsuku 2-3 emva kokuba isicelo, uya kuhluthwa ekhaya.

Ukongezelela lula, ikhadi ukubhaliswa nezinye iingenelo. Elidityaniswe inkqubo bonus "Bayede", apho unako ukufumana iibhonasi ukwenzela ukuthenga ukuya kwi-30% kwi nezaphulelo. Esi shopping online enkulu, cafes intanethi kunye zokutyela. Kwelinye nokuthenga cashback yi-1%.

Ukuba umxhasi unalo ityala lokuthenga kwenye ibhanki, ukuba bafumane amakhadi "Tinkoff" badluliselwe kuyo. Le nkonzo ubizwa ngokuba "yokuGqithisela Intsalela". Kulo mzekelo, umxhasi ifumana ixesha elili-90. Kubonakala ukuba ngexesha leenyanga ezi-3 umdla charge na.

Izinga zisenokwahluka ngokuxhomekeke imali nokusetyenziswa (ukusuka 32.9%) okanye ozithengileyo (nge-24.9%). Limit lingana amawaka 300. Engange. Unako ukuhlawula ityala nangaziphi iibhanki. Ukuze ufumane mboleko akudingeki uncedo kunye guarantors.

Inani 2 - "Alfa-Bank"

Oku kwakhona card nenzuzo letyala. Ukuphonononga lubonisa ukuba "Alfa-Bank" inika iimeko ezilungileyo. Agents wanikela ixesha ubabalo leentsuku 100. Eli ziko zemali waba ngomnye wokuqala ukuvelisa iiplastiki ngesithuba ubabalo iintsuku ezingaphezu kwe-55-60.

Ikhadi kuyingenelo ukuba eliphakathi ukuya ukuthenga ezinkulu ukurhoxisa imali. Umda besukelana amawaka 300. Engange. Isantya iqala kwi-24.9%, kodwa uzimisele ngamnye kumntu ngamnye. Intlawulo nkonzo ixhomekeke kuhlobo lwekhadi.

Number 3 - Touch Bank

Amaxesha amaninzi ikhadi lamatyala icebiso ikuvumela ukuba ukhethe imveliso ebhankini. Touch Bank yaziwa phakathi kwabantu abatsha kweli lizwe lethu. project zebhanki branchless of "Kucelwe Bank" inikeza ukufumana ikhadi kunye cashback ukuya kwi-3%. Umntu unalo ithuba ukukhetha udidi, nto leyo cashback liphezulu.

iya kuhlawuliswa ngaphezulu kwe-1% yokuthenga nganye. I yebhanki rhoqo ukwenza inyathelo, nto leyo eya bangafumana amanqaku ngohlobo imali yokwenene, ukuba wenze iimeko ezithile. Umzekelo, achithe okanye ukwenza imisebenzi ethile. Inkonzo iza kuba, ukuba basebenzise ngenkuthalo ikhadi, kwaye ukugcina imali yabo ebhankini. Sokubhalisa zeplastiki kufuneka ucele site ulinde isigqibo. Ikhadi iza kwiintsuku nje ezimbalwa ngezithunywa.

Number 4 - "Post Bank"

Ngenxa ubude ukwelixesha loxolelo, apho ikhadi lamatyala yeyona ongenakunceda nto? Ukuphonononga zibonisa ukuba eyicwangcisa kwi "Post Bank", ngenxa yokuba kukho non-umdla zithwele iintsuku 120. Kungenxa yoko le nto ukhetha abantu abaninzi.

Eli khadi sisihle bethenga kwi web. Ukuba uthenga into kwi internet kule mali ka-7000 engange, lebhokisi i "umqulu bavakalelwa-intanethi." Free Le nkonzo iquka lokuthenga yokhuseleko.

Inani 5 - "VTB Bank of eMoscow"

Ndikunika isigxina inkonzo, apho ikhadi lamatyala yeyona ongenakunceda nto? Ukuphonononga kubaboleki zibonisa ukuba kunokwenzeka ukufundisa yeplastiki ukusuka 'VTB Bank of eMoscow ", ngenxa yokuba simahla kunyaka wokuqala. wamema abathengi ziyakhuthazwa ukuba zithathe inxaxheba kule program bonus, kuba apho ungafumana ukuba kuthengwe ukuya kwi-10%.

Izinga eliphakathi 29.9%. Esebenza ixesha ivideo iintsuku ezingama-50. Ukwamkelwa yena isicelo etsalwe imali. Limit lingana amawaka 350. Engange. Cashback ukuya kwi-3%. Abathengi babe nethuba lokufumana isaphulelo koomahlulelane.

Number 6 - "Renaissance Credit"

Yeyiphi ikhadi lamatyala ukuba ukhethe, ukuba unomdla inkonzo ongenakunceda nto? Intlawulo asithatyathwa kwi "Renaissance Credit". Abathengi babe ngamalungu lwenkqubo yebhonasi, nto leyo evumela ukuba bangafumana amanqaku kwi-10%.

Ukukhupha ikhadi kwanele ukuba ushiye isicelo kwisiza, ngoko uyakwazi ukulindela isigqibo. Limit kwi plastiki iya kuba ukuya ku-150 lamawaka. Engange. Ukwelixesha loxolelo isebenziseka iintsuku 55. Umda elivuselelwa ngexesha lokuhlawula imali-mboleko. Le pesenti eyabelwe kumxhasi ngamnye.

Ezi iibhanka zithandwa phakathi kwabantu belizwe lethu. Thina nje kufuneka ufundisise imiqathango kunikezelo ikhadi. Kwenziwa inkqubo yokubhalisa kwintlangano nganye enjalo.

Yintoni efunekayo ukuze ubhaliso?

Yintoni ikhadi ngetyala kwaye ibhange ukhethe, umthengi isigqibo ngokwabo. Omnye uya kuba nenzuzo nkonzo simahla, ngoxa abanye bafumana izaphulelo koomahlulelane. Ngapha koko, ikhadi ngalinye zinezibonelelo yayo.

Ngokulungiselela imveliso ebhankini, kufuneka uye ngokusebenzisa ezi zigaba zilandelayo:

• isicelo;
• ninikele ipaspoti;
• amaxwebhu, afana SNILS.

Imida zisetwa amatyala. Bayakwazi ukufikelela ukuya ku-500 lamawaka. Engange, kodwa imali efikelela kumawaka 150. Engange. Ireyithi Ikwabekelwe ngamnye.

awohluke of

Yokwenza eyenziwa ngaphandle iimbekiselo kunye guarantors. iibhanki abaninzi ukuvavanya imbali zemboleko, kwaye musa ukuba inshorensi. I-credit card inzala yonke loo mali.

Kudla iibhanki idini yeplastiki ngegama, apho kukho umda kwaye wabeka ipesenti ethile. Ezi mveliso kweebhanki zikhutshwa ngabathengi rhoqo kunye ezintsha. Ukuyikhulula ukusuka kwiintsuku ezimbalwa ukuya kwinyanga.

Ukwenza online

nababolekisi ezininzi zifundisa ukuba akhuphe amakhadi kwi Internet. Kufuneka utyelele i-website esemthethweni ngokubhala iinkcukacha zabo. umthengi Online ungenza isicelo nababolekisi eziliqela, yaye emva kokuba imvume ukuba aqukumbele isivumelwano omnye.

Ukwenza nge Internet iimpawu:

• Uthethwano ibonakala intanethi kwaye ngefowuni;
• isicelo design ukhululekile;
• ingqalelo kuthatha imizuzu engama-30, emva koko ubiza emva komqhubi;
• Plastic sisasazwa ngeposi okanye ngekhuriya, kodwa ngokobuqu ungatyelela ibhanki.

Iimephu zibhalisiwe nokungabi. Uhlobo lokuqala ithathwa ukuba kakhulu, ngenxa yokuba lo weplastiki likhuselwe.

izincomo

Ukuba uceba uhambo aphesheya, kufuneka ukhethe ikhadi eza kusebenza apho. Eneneni, ezinye iibhanki asithe isenzo ngeplastiki aphesheya. nawe kwaye ngamanye amaxesha kufuneka isaziso lokuhamba Russia kwangaphambili.

Ukuba isivumelwano ingakhankanywanga umyinge oqhelekileyo wenzala, akuyi kufuneka lenze oko. Kulo mzekelo, ibhanki ungayitshintsha, kwaye egqithisileyo uya kuba mkhulu. Uyacetyiswa ukuba isicelo ziko, nto leyo esele kwafuneka aye banyamezele ikhadi umvuzo, okanye usebenza kuyo. abathengi rhoqo asinazo amagama kakuhle ngakumbi.

Ukuba ufuna ubuncinane amaxwebhu, iimeko mboleko enjalo Kudla ngokungabikho sikwancedela ye client. Ngaba ukusebenza ngesantya esiphezulu, iinkonzo kuhlawulwa, inshorensi. Ukuba imali iyafuneka ixesha elifutshane, kuyimfuneko ukuba ukubuza ithuba ngentlawulelo yokuqala, kuba uya kusindisa ngenzala. Kwaye kwezinye iziphumo iibhanki wekhadi ngayo imali. rates Great, izohlwayo ezinkulu ngokuqhelekileyo isicelo mboleko kunye nokukhutshwa nangoko.

Uyacetyiswa ukuba ukhethe amakhadi ukuze kuzuze, umzekelo, ukufumana-10% yentengo. Ukuba usoloko ukuhamba, uyacebiswa ukuba ukhethe inkqubo kunye iibhonasi ngenxa iphaphazela. Oku kukuvumela ukuba ufumane ngezaphulelo zokuhamba. Ke ixesha lokuthenga isaphulelo ogqibeleleyo.

Phambi kokwenza ikhadi ngetyala kufuneka aqhelane imveliso lomlambo. Xa wokutyikitywa kwesivumelwano kufuneka ucacise ulwazi malunga intlawulo yeenkonzo ezongezelelweyo, irhafu. Musa ukuba kuhambe ukuba ikwazise iintlawulo zeenkonzo ekufuneka ukukhusela nxamnye nobunjubaqa. Zakufika amakhadi intlawulo kufuneka zihlolwe ukwenza ezivenkileni intanethi.

Phuma imali evela-ATM kufuneka zitshekishwe. izixhobo ekrokrisayo makuxelwe ibhanki okanye amapolisa. Xa emkayo imali kuyimfuneko ukunikela ingqalelo kakhulu ngokhuseleko, ukwenzela ukuthintela ukungaqondani ezininzi.

Payment mboleko

Ukuhlawula ityala kwikhadi kunokuba nangayiphi na indlela elula. Imali ukudluliselwa nangaziphi iibhanki, iinkqubo intlawulo,-ATM kunye ezinjengeetheminali. Negalelo ezi zixa zilandelayo, xesha elo lingasayi kuba ngaphantsi kwe ubuncinane lusekiwe ngenyanga.

Ukudluliselwa kwemali uqobo kwenzeka kwiintsuku 1-5, kuxhomekeke indlela. Redemption iyafana ne-mboleko eziqhelekileyo. Le ibandakanya inqununu kunye nenzala. Ukuba ngexesha ukuhlawula ityala, ibhanki inika ezi abathengi iimeko ezithandwa kakhulu iinkonzo zabo.