Cash ukuhoxiswa nge "Tinkoff" credit card. Izici credit card

"Tinkoff" - ebhange isiRashiya, onguchwepheshe ukuhlinzeka amasevisi akude. A sesikweletu inikeza debit nama-credit lokukhokha zomculo. Inkinga iwukuthi angasetshenziswa ikakhulukazi non-cash ukuthengiselana. Zonke ndaba ngokungabi bikho inethiwekhi ATM futhi imali usomqulu kusukela OAO "Tinkoff Bank." Cash ukuhoxiswa kusuka lesikweletu eziningi kwezingqinamba.

Kafushane kumephu

Njengoba sekunama-"Tinkoff Bank" emakethe ngo-2007, abantu baseRussia abangaba waba ezintsha zemikhiqizo etholakalayo - credit card, okuyiwona-ke kwakudingekile ukuba ashiye ifomu eligcwalisiwe kusayithi noma ulithumele nge e-mail. Namuhla, inhlangano credit inikeza uhla imikhiqizo kanye nezinzuzo ezahlukene. Lowo oyinhloko - yaminyaka yonke senzalo ezingeni 23,9% imali ukuhoxa ATM. IKhomishana Kumiswa iklayenti ngayinye futhi incike idatha yomuntu siqu.

A isikhathi somusa izinsuku 55 - nansi enye inzuzo, esinikela "Tinkoff" (credit card). Imali cash ukuhoxiswa iyadonswa ngokuqondile akhawunti. On lo msebenzi akavele nesikhathi esibekiwe. Kodwa uma ikhasimende has isikhathi, ubuyisele inkokhelo sonke esichithwa yokukhokha non-cash yezimpahla kungakapheli isikhathi esithile, ngeke kudingeke ukuba ukhokhe imali ethe xaxa.

Platinum Ikhadi Izici

Noma yisiphi isakhamuzi Russian ngubani attained engu-21 ubudala kodwa ezingaphansi kweminyaka engu-70 ungathola yekhadi ongu- afinyelela ku-300 eziyinkulungwane. Hlikihla. Okudingekayo ukwenza - ukuba ukukhipha isicelo ifomu ku-intanethi bese ulinda impendulo ngesimo SMS noma i-e-mail. umnikazi ngamunye plastic ngokuzenzakalelayo iba yilungu ohlelweni ibhonasi "Bravo". I-akhawunti ekhethekile kufanele idluliselwe iklayenti 1% semali owenziwe ngendlela amaphuzu ukuthi ungakwazi ukukhokhela amathikithi isitimela kuyiwe yokudlela.

amanani okungaguquki

In the ukungabikho siqu amasevisi zayo ukugcina imali okwesula ikhomishana credit card, "Tinkoff" mkhulu kunezinhliziyo emakethe isilinganiso. Kodwa on the isimo: uma ungenawo uhambe ngalé kwemingcele. Kulokhu, izindleko uzobe lincane. Ngu-credit card kanye umkhawulo esimisiwe ayizinkulungwane 3. Hlikihla. Ukuhoxiswa inani ikhomishana ikhokhwe ezingaphezu kuka umnikazi ecacisiwe ATM. abanikazi bamakhadi khulula ingxenye imali yabo kuphela isimo yokukhokha non-cash for izimpahla.

IBhange isungule imisebenzi enjalo izinga double: ingxenye ikhomishini yisigungu wekhadi, kanti eyesibili - sikhungo lapho ATM ukuhoxisa izimali.

Imigomo amabhange

cash Ukuzihoxisa zamakhadi okuthenga ngesikweletu "Tinkoff" ezahlukene credit naleyo nhlangano. Esikhathini "Rosbank" ngesikhathi esisodwa, ungakwazi ukuhoxisa kuze kufinyelele ayizinkulungwane 29.999. Ruble ngaphandle ikhomishana. Beka umkhawulo operation eyodwa ku "VTB 24 '7.5 th. Deda. Esikhathini Savings Bank angasuswa ngemali encane noma bengaholelwa nhlobo kusukela yenze isenzo ikhadi. Kodwa musa uthole imali phandle isizumbulu usuku. Ishaja ongaphakeme zenzalo. Ukuhoxisa ukheshi ngekhadi lesikweletu "Tinkoff" kuzo zonke ezinye ATM izobiza umnikazi 2.9% + fixed ruble 290.

ezinye izinketho

Ukuze cash Ukuzihoxisa zamakhadi okuthenga ngesikweletu "Tinkoff" kusukela ATM nge logo ye-MasterCard Commission ngokuvamile singanikezwanga ngaphansi isimo wokusetshenziswa kwemali yensimbi kanyekanye ruble 3000. Ukuze kususwe imali ezincane lizokhokhiswa ruble 90 nokuningi -. 2%. Ukuzihoxisa ukheshi noma ATM kungaba NCR. Lokhu self-service ezikhumulweni, okuyinto efakwe ngaleso amaphuzu aminyene izitolo, amathilomu nezindawo zokudlela.

Inkokhelo izinhlelo

Ukuze hhayi ukulahlekelwa isikhathi somusa, kodwa izimali imali ekhadini, ungasebenzisa imisebenzi WebMoney, Yandex.Money futhi Qiwi. Ngoba ukuthengiselana uzodinga ukuthi ubhalise i-semali credit card "Tinkoff". Cash kusengaphambili akukho ikhomishana wenziwa ukulandelana elandelayo:

• Udinga ngokusebenzisa siqu akhawunti yokukhokhelana kuboshelwe i esikhwameni ikhadi lasebhange electronic.
• Ngokusebenzisa intanethi ukuthumela akhawunti virtual lemali edingekayo. Ngokuba ukusebenza kuyodingeka ukuchitha imizuzu 5 kanye nemali ukuze uthole inani lemali lasebhange 2%.
• I last isinyathelo - okwesula ohlelweni lokukhokha ekhadini kwanoma iyiphi ebhange. Ukuze ukudlulisa imali nge WebMoney kuyodingeka bakhokhe 0.8%, Qiwi - 1,5% semali

ukusebenza translation kusho for the isikhwama electronic libhekwe njengelingcwele yokukhokha izimpahla. Ukuze ukuthengiselana okunjalo kunikeza isikhathi somusa imali okungenani kanye nesikhathi-ukudliwa.

Exchange Foreign ukuthengiselana

Lapho phesheya kwakudingekile ukuze zikhiphe imali ikhadi lesikweletu, i-ATM izokhipha USD noma i-EUR, futhi i-akhawunti izonikwa ezidonswe inani izinga lokushintshisana. Kufanele uqale azise ebhange nge-akhawunti siqu ukuthi phesheya uzodinga ikhadi lesikweletu "Tinkoff Platinum". Ukuzihoxisa Cash kungaba mahhala, inqobo nje uma inani kuyinto zamadola 100 noma euro noma ngaphezulu ngesikhathi esisodwa. Uma inani lemali okwenziwayo ngaphansi ke ikhokhwe $ 5 ikhomishana. / Euro. Ngakho, kukhona imingcele nyangazonke 10 th., Ukuze elibuye icala ngokweqile 2% semali.

ukuqeqeshwa

Njengoba kuye kwashiwo phambilini, "Tinkoff" amakhadi ingasetshenziswa kuphi emhlabeni. Kuyinto kudingekile kuphela ukwenza izinguquko izilungiselelo. Ukuze wenze kanjalo, ungene ngemvume ku-intanethi Banking, khetha "Izilungiselelo" ku-"Operations" ingxenye, ucacise ezweni lendabuko yobude uhlale phesheya. Buyisa imali phesheya kungaba ngokusebenzisa iyiphi i-ATM.

imikhawulo

Beka imingcele yokuthi cash Ukuzihoxisa zamakhadi okuthenga ngesikweletu "Tinkoff" kungase kushintshwe nge iKhabhinethi siqu. Kuyinto elula kakhulu. Ungakwazi Yiqiniso, ukuxhuma isevisi «SMS-Bank" I-ruble 39 ngenyanga, futhi wamukele imibiko konke ukuthenga ikhadi. Kodwa ukuqinisekisa ukuphepha izimali kungenzeka futhi ngenye indlela - ngokubeka umkhawulo cash Ukuzihoxisa zamakhadi okuthenga ngesikweletu "Tinkoff". Imikhawulo zisebenza kuwo wonke ukuthengiselana, kuhlanganise inkokhelo non-cash kwezimpahla zingakapheli izinsuku. Ngisho noma umhlaseli nilithathe ikhadi kanye nenombolo ye-PIN kuwo, ngeke ukwazi ukususa ngosuku nibaluleke ukudlula umkhawulo isethi. Futhi mayelana nokusebenza nge-Internet kungenzeka ukuba ungakhathazeki. Ukuze uqinisekise noma iyiphi inkokhelo kumele ufake iphasiwedi ye-SMS.

imikhawulo

Ngosuku kusuka akhawunti eyodwa, ungakwazi ukuhoxisa esiphezulu ayizinkulungwane 100. Hlikihla. Umkhawulo ophezulu isethwe ngesikhathi esisodwa. Okokuqala, iklayenti uhambisa isicelo ebhange. Onogada ukusebenza kwalo. Ngesikhathi esigabeni sokuqala inikeza, isibonelo, abayizinkulungwane 50. Hlikihla. Ibhange Kufanele uqinisekise solvency iklayenti omusha. Abasebenzisi abasebenzayo, ababeka njalo ukusebenzisa credit card ukukhokhela izimpahla kanye namasevisi ngendlela esifike ngesikhathi ukukhokha izikweletu, nethuba esikhathini esifushane ukuze ukukhuphula umkhawulo kuya kwezingu-300. Hlikihla. Yandisa kungaba izikhathi eziningana ngonyaka, kodwa 4 kuphela izinyanga emva kokusayina inkontileka.

izimfihlo umsebenzisi

Map Izikweletu kumelwe abuyiselwe esikhathini esiyizinsuku besikhathi obucacisiwe futhi ezindaweni ezithile. Hhayi ukuze overpay ikhomishana kufanele ibambisane abalingani "Tinkoff Bank." Kunezinhlobo ezintathu kuphela: FSUE "Imeyili Russia», ongathintwa futhi uhlelo Qiwi. Ngemva yamuva umlingani esibulalayo in umsebenzi olulodwa ke akudingekile ukuba enze ezingaphezu kuka-15 eziyinkulungwane. Hlikihla., Njengoba Commission zokukhokhelwa enjalo kuyokwenziwa kabili. Amanani ka angaphezu kuka-600 eziyinkulungwane. Hlikihla. uyasho ukuthi akhawunti esikhathini esingaphansi kwesonto. Uma uhlu nengcosana kakhulu (kufika ku 500 deda.), The eliqinisekisiwe 3%. Through the "Imeyili Russia" ungathumela kuze kufinyelele ayizinkulungwane 500. Hlikihla. Okwenziwayo sizocutshungulwa ngezinsuku ezintathu. Imininingwane yokukhokha uhlelo akusho uzibekele idiphozi. Izimali kuthiwa kweso.

Lisho ukuthini igama elithi yokukhokha cashless?

Ngemva kokuhlaziya zonke lezi ukulinganiselwa, kumele kuphetfwe ukuthi ukusebenzisa ikhadi imali isiphetho akwenzi mqondo. Futhi lokhu kuyiqiniso. Noma yimuphi ikhadi lesikweletu ukuthi ngokuyinhloko ukudluliswa ukuthenga ebhange. Ukuze yenze isenzo kwanele ukusebenzisa esigungwini. Ukuthi amakhasimende ukusebenzisa ikhadi nje ngenhloso eyakhelwe lona kanye imikhawulo kwangena. Cashless kukhokhelwe izimpahla konga isikhathi nemali.