Yintoni iinkonzo bank card "ingqolowa"? Indlela yokwenza nizalise "Umbona" ikhadi ngetyala?

Umzekelo omhle mboleko yebhanki ixesha lokuhamba amazwe unako ukukhonza njengekhadi letyala. Ukuba uhlawule le mali-mboleko kwi kwexesha, imali ingasetyenziswa inani mda amaxesha. Ngaphambili, baye bakhululwa iibhanki kuphela. Namhlanje eRashiya, "Euroset" yaye "The Messenger" isithembiso lokukhupha isixhobo sentlawulo yeplastiki. iinkcukacha ezingakumbi malunga ukuba imephu "Umbona", leyo ibhange abalisebenzisayo, uya kufunda kweli nqaku.

ukubhalisa

ikhadi ukuthenga ngokusebenzisa yesebe "Euroset", "The Messenger" okanye ezikhemisti "Gqirha Stoletov". Sokubhalisa kufuneka kuphela yokundwendwela kunye nemali. Ngasemva kukho iintlobo ezimbini amakhadi: standard kunye World. Eyokuqala kubiza engange-200, yaye ikuvumela ukuba ukuqokelela-1% yazo zonke ukuthenga. World ekhutshwe ngaphandle kwentlawulo, kodwa eseleyo kufuneka ngoko nangoko ukubhalisa engange 3,000. aze achithe kuzo. Abanini bezi amakhadi uya kukwazi ukuqokelela 1.5% lokuthenga zonke. Ngokusebenzisa uthungelwano ezikhemisti "Gqirha Stoletov" kunokuba ikhadi eqhelekileyo kuphela.

inkqubo yokubhalisa kuthatha imizuzu emi-5. Ngoko nangoko emva kokugqitywa kwalo yefowuni lomsebenzisi ifika SMS igama khowudi. Kufuneka isetyenziselwe yonke iminxeba-Call-iziko, kubandakanywa i-PIN. Eli khadi ayikho wesiqhelo. Kokuba kuthathwe amazwe. Kodwa ke ngaphandle ukuba izibalo ezivenkileni wekhaya baya iingxaki. Ngoko kuyimfuneko pre-odolo yeplastiki wesiqhelo.

Okokuqala, abaxhasi banikwa ikhadi lemali. Sele naye ngeengalo zam, ungenza isicelo umda ngetyala. Ngalinye iziko 5 zemali eRashiya, iimeko yabo yenkonzo imveliso esinjalo, efana imaphu, "Umbona." Yeyiphi ibhanki ungcono, umxhasi nganye imisela ngokwayo.

ibhonasi

kwikhadi lomsebenzi njengabanye amakhadi ngetyala. Imali bangayirhoxisa imali-ATM, ukuba ukutshintshela kwezinye iingxelo, ukuhlawula izinto ezithengwa kuloo non-cash kwi-Internet kunye neevenkile. Phakathi iimpawu ezongezelelweyo ezifumanekayo ngokusebenzisa le bonus: 1-1.5% yeendleko cash bebonke ziguqulwa zibe amanqaku ezizodwa. Baye ke isetyenziswe okuhlawulela iimpahla ezivenkileni: 10 iibhonasi = 1 engange. Kungakhathaliseki ukuba yintoni na ibhanki ikhonza imephu "Umbona", amanqaku zingasetyenziswa kuphela kwi efanayo iingongoma leyo wayiqokelela. Oku "Euroset", "The Messenger", "iCrossroads", uthungelwano ezikhemisti 'ngenkulungwane "kwaye babiza TNK.

Uhlaziyo ikhadi yebhonasi "Umbona" kuqinisekisa ukuba akukho cebo enjalo Kulula kakhulu. Asingabo bonke abathengi bathenge iimveliso nyanga nganye ezivenkileni cell phone. Iingcali bacebisa ukusetyenziswa iibhonasi ezikhemisti okanye Wabasindisa ngenxa unyaka uze 2-3 amaxesha ndikuzalisa simahla.

ugqithiso lwemali

Enye iingxaki olu hlobo khadi ziindlela limited gcwalisa. Imali ukulungelelanisa bangabhalisela kuphela umntu "Euronetwork" amagumbi, izitishi "Ukunamathelana" okanye TNK. Abasebenzisi ukutshintshela iimali kwezinye nge "Akhawunti My". Apha kunokwenzeka ukuba ukubopha elinye ikhadi esikhutshwe Mastercard, kwaye ukutshintshela iimali nangoko kuye. iintengiselwano Comission kwenzeka kuphela intlawulo iiplastiki Savings Bank "Tinkoff" izixhobo. Apha ukuhombisa ndikuzalisa kanye ikhadi lebhanki letyala, njani "Corn."

notsalo

"Corn" - akukho imaphu eqhelekileyo. Ukuze amthinte imali ngayo ngaphandle ikhomishini, kufuneka usebenzise umsebenzi ukuhlawula imali-mboleko esebenzisa i "Akhawunti Yam" menu kwi "intlawulo Entsha". Kufuneka ukhankanye inani elinye ikhadi debit kunye Mastercard sele kulo ukuba imali.

Terms of Amaziko eMali

Debit card "ingqolowa" bangathungelana umda ngetyala. Kodwa njengoko iivenkile ngokwabo awukwazi ukunika mboleko ukulungiselela ezi njongo kunye neebhanki iqabane inxaxheba kumaziko microfinance. Esiza kuxubusha ngayo iinkcukacha iimeko zabo. Akunamsebenzi nokuba yintoni na ibhanki ikhonza imephu "Umbona 'ukuze iimfuno zabathengi' ukuba uyafana:

• ngabemi kwe Russian Federation;
• ukufumaneka ingqesho kunye nengeniso esisigxina;
• ubudala yomboleki - ukususela 21-25 ukuya 57-64 iminyaka.
• ngokuba ngetyala kuyimfuneko ukunika yesazisi yesibini.

"Ekhaya Credit Bank" inikeza nabathengi umgca onokuthenga isithuba seenyanga ezi-6 ukuya ku-36 ukuya kutsho kuma-50 amawaka. Thambisani. kumyinge we 46,9% ngonyaka. Xa "Alfa-Bank" amboleke $ 40 amawaka. Thambisani. lungafumaneka kwi-44% ngonyaka ukulungiselela unyaka omnye. Intlawulo yenkonzo iphezulu kakhulu kunaleyo emakhadini eqhelekileyo. Ukongeza, i-Bank ngocoselelo sijonga la maxwebhu yaye akazange uvumelana isicelo. Ukuba ukwala, yaye umba ikhadi kwakusafuneka, kunokwenzeka ukuba isicelo kwi "MIGKREDIT". Imibutho zinika mboleko ye-20 amawaka. Thambisani. isithuba seeveki 4-24, ukuba le ngxelo iza kuhlaziywa qho kwiiveki ezi-2. Esi sikimu luyingenelo hayi yonke client. Ingakumbi xa ucinga ukuba umyinge wenzala kumaziko anjalo ngamaxesha-2 ngaphezulu kwe ebhankini.

ezinye iziphakamiso

"Tinkoff Bank" inikeza nabathengi kwemiqathango ezinomdla kakhulu:

• Izinga Inzala: ukusuka 28.9 ukuya-36.9%;
• Umda - amawaka 300 rbl;..
• isithuba saphambi korhafelo - iintsuku ezi 55 ukusukela kumhla nokurhoxa yokuqala;
• Imali yesondlo - akukho mali;
• bakhupha-1% ye-mali, ubuncinane engange-100.;
• izohlwayo xa kuthe kwakho ukuhlawula kade: 0.2% yemali usuku ngalunye, ngexesha elinye-mali - 590 bagcobe;.
• intlawulo yenyanga ubuncinane - 6% etyala elo.

Yeyiphi ibhanki ukhonza ikhadi "Umbona" kwiimeko ezifanayo? "Renaissance." umda Credit kunye isithuba saphambi korhafelo kule ntlangano efana elidlulileyo. Umahluko siyifumana lenzala (24-79,9%), ikhomishini ukuba bakhupha (3-4%) kunye nezohlwayo eziphezulu. Kuba iphula ngokoMthetho bentlawulo umthengi kuya kufuneka uhlawule-20% etyala elo nonengxowa yomphako. Intlawulo yenyanga ubuncinane eyi ngokwemigaqo yenkqubo yi-5%, kodwa hayi ngaphantsi kwe 600 engange. Loqhakamshelwano inkonzo SMS-isaziso for nyaka kuya kufuneka ukuba uhlawule 750 engange.

ukuguqulwa

Nathi kufuneka baxoxe intlawulo amazwe yeempahla. Kungakhathaliseki ukuba yintoni na ibhanki ikhonza imephu "Umbona", ukuguqulwa imali iya kuba kabini umyinge wokuphelelwa Central Bank. Lokuqala - imini lokuthenga. Le ngxelo iya kuvalwe isixa kwempahla-2%. Xa ngokuhlawula iinkonzo amazwe azisoloko imali kwi kwi-akhawunti yakho kwimini lokuthenga. Kaninzi, ukuqinisekisa ibhanki langaphandle kuthatha iintsuku 2-3. Ngoko ke, indlela yokuguqula yesibini kuya kwenzeka ngalo mzuzu umhlala-phantsi.

umzekelo

Le ndoda kuhlawulelwa iimpahla kwisixa $ 100. Le rate mini engange-35. Kwi-akhawunti ivaliwe: 100 x 35% + 2 = 3570 engange. Emva kweeyure ezingama-48, ukuba isiqinisekiso se kwiakhawunti yebhanki yelinye ilizwe. ngaloo mini izinga bank Central sele 35.1 engange. Ukususela akhawunti iya kuhlawuliswa: 35.1 x 100 = 3510 engange. Lo mahluko miri 60. Kuya kufuneka ibuyiselwe kwi-akhawunti. Ngokutsho eli cebo, abaninzi umsebenzi ngecredit card, kuquka imephu "Umbona." Yeyiphi ibhange ukukhonza umxhasi, kule meko akunamsebenzi. Inkqubo Ukutsalwa kwemali ezifanayo.

Into yesibini: kungakhathaliseki lwemali apho iindleko impahla, siya kutsalwa kwi-akhawunti emva yokuqala ukuguqula engange zibe zeerandi okanye euro.

isiphelo

AmaRashiya banethuba ekuthengeni iimpahla ngetyala, ngaphandle kokulinda ukuba imivuzo kwaye ukonga imali ixesha elide. ezikhethekileyo ikhadi "Umbona" ibonelelwa ukulungiselela le njongo. Nguwuphi Bank bephaka eRashiya? "Alfa-Bank", "Renaissance", "Tinkoff", "Credit Ekhaya". Le lomxhasi akanyuli namnye kubo. Le mveliso inenani yeenzuzo: iseti encinane yamaxwebhu, isicelo kukhutshwa online, ezi mfuno zisezantsi kubaboleki. Kodwa ukuba inshorensi imingcipheko zabo, i-Bank wasinika eliphezulu umyinge wenzala cards kunye nezohlwayo ukuba waphula imiqathango nokuhlawulwa kwamatyala.