Imigomo yokusetshenziswa credit card Savings Bank: incazelo, izilinganiso umsebenzisi kanye nokubuyekeza

Savings Bank inikeza amakhasimende ezihlukahlukene services, eyisikhulu phakathi okuyizinto namanje debit nama-credit card. ukuthandwa ngonyaka odlule kuphela anda ngonyaka, okuyinto akumangazi. Ubulula ngeke zinganakwa: evela ebhange kanye, awukwazi ukucabanga mayelana namathuluzi yokusesha. Ngesikhathi esifanayo, umnikazi plastic kufanele kube phezu uqaphile: ngemva kwenkathi ethile "econsa" zenzalo ukuthi kumele ikhokhwe emva kwesikhathi. Ukuze sizuze loan ngesikhathi ezimvunayo kakhulu, kubalulekile ukwazi imithetho ukusetshenziswa Savings Bank credit card.

ukusebenza

Kungakhathaliseki ukuthi hlobo luni credit card iye ikhishwe kumnikazi, kubalulekile ukuba "run." Sberbank ukukhishwa ivinjiwe amakhadi, ukuthi akukho sihambi asikwazanga ukusebenzisa izimali ku-akhawunti kuboshelwe kuwo. Ngemva kokuhlola ukupelwa idatha yomuntu siqu ekhadini kufanele uqhubekele kusebenze walo. Lokhu kuzodinga Sberbank esigungwini. Inqubo akuthathi isikhathi esiningi kuyehla kube ukulandelana elandelayo:

1. Faka ikhadi ku-ukuphela.
2. Faka i-PIN-ikhodi ecacisiwe emvilophini (kwezinye izimo, inhlanganisela eyimfihlo izinombolo kufika nomnikazi plastic lokukhokha).
3. Enze noma yiluphi operation (ukuthola ulwazi ibhalansi, wenze inkokhelo, njll).
4. Khetha ikhadi kusukela ukuphela.

Uma inqubo ukusebenza akuzange kwenziwe yi-client wedwa, lutho olubi kuzokwenzeka. Map ngokuzenzakalela usuvule emini ngemuva kokuthola yayo ebhange.

cash ukuhoxiswa

Imithetho Savings Bank ukusetshenziswa credit card awukwazi ukufaka umushwana ezifana wokusetshenziswa kwemali yensimbi. umnikazi we-akhawunti singakhipha imali kunoma iziphi Se Nokho, isevisi izobiza ehlukile. Imali likhokhelwa njalo wenza transaction for the Ukukhishwa kwezimali ezivela ikhadi lesikweletu. "AboMdabu" Sberbank esibulalayo okwengeziwe 3% bhala off kwezinkonzo zazo (ubuncane ruble 390), kanye namanye amadivayisi uzokwaziswa amabhange 4% esilinganayo okungenani omyalo 390 k. Ngokwesibonelo, ngenkathi kususwa 100 k. ibhalansi ye-akhawunti uzokwehla by 490 k. Le mali kubhekwa wachitha, futhi nazo icala inzalo loan. Ngakho-ke uyelulekwa ukukufaka imigomo yokusetshenziswa credit card Savings Bank le ndima elandelayo: ukususa ngemali encane akunakunisiza, ukhetho best yayiyobizwa cashing ayizinkulungwane 10 p .. nokuningi.

Ngaphezu ikhomishini credit card inomkhawulo ku ukuhoxiswa yinhlama-sum, okuyinto ayizinkulungwane 50. P. Abanikazi of the "segolide" uhlobo plastic Visa Gold futhi MasterCard Igolide bayakwazi imali kanye izinkulungwane 300. P.

izinkokhelo cashless

Ukusebenzisa imali, ngisho awabambe ezandleni zabo, ke isibili elula futhi wenze nenzuzo. No isidingo baphathe isamba umxhwele izikweletu, wesaba "njengelanga" umphakathi wabo. Ngaphezu kwalokho, umsebenzisi ukuvula umnyango ngasiphi esitolo online. Ngaphandle kokushiya ekhaya lakho, ungakwazi ukukhokhela noma yiziphi izimpahla kanye nezinsizakalo, lapho asekelwe izinkokhelo non-cash.

Uma udinga imali esitolo, yokudlela noma esinye isikhungo, udinga ukucela esigungwini lokukhokha. It ufakwa PIN ikhadi owethulwa, ngalokho kuthenga wenziwa. Uma imali eyanele, uphumelela. Umnikazi ikhadi lesikweletu engakhokhi ikhomishana penny ukuze athole ibhonasi amaphuzu ohlelweni "Siyabonga kusukela Savings Bank." Cashback ibhonasi 1.5 ruble ngayinye ezinyangeni zokuqala ezintathu usebenzisa ikhadi bese 0.5 b. emva kokuphela kwesikhathi sabo. Amaphuzu zanqwabelana ungakwazi ukukhokhela ukuthenga.

Abanikazi "igolide" amakhadi esikweletu ukwenza cashless izinkokhelo ngisho kulula: amakhadi ukusekela yokuxhumana ngobuchwepheshe yokukhokha PayWave / PayPass. Kuyinto alwanele ukuletha ikhadi esibulalayo lokukhokha. Awudingi ukungena yimuphi PIN, noma asayine isheke.

Kungenzeka yini ukuba umuntu "ukugwema" Imali zokuqaleka?

abantu engumthengisi, ukufunda mayelana ukhokhele cash ukuhoxiswa, zama ukuthola ezinye izindlela ukuze zikhiphe imali. Iza emqondweni ukuhumusha Ikhadi aphansi ukuze Card, noma ashona esikhwameni elekthronikhi. Ngeshwa, lezi zindlela azisebenzi credit card Savings Bank. Ikhadi nje akanawo lesi sici: ukudluliswa kwemali kunoma ikhadi lasebhange (ngisho wakhe), noma ukugcwala ngosizo i esikhwameni elekthronikhi akunakwenzeka.

Omunye khetho kuyinto ukuhoxiswa ophuthumayo imali lesikweletu sisekhona: kubalulekile ukuba phezulu i-akhawunti yakho yeselula, bese ukuhoxisa izimali ngokusebenzisa uhlelo lokukhokha wesevisi. IKhomishana ngaleyo ndlela lizokhokheliswa, kodwa inani ezincane. Way ukuthatha isikhathi nomzamo owengeziwe futhi izithembiso inzuzo womuntu ongabazisayo. Kodwa kuyokusiza ugcine isikhathi somusa. Imithetho for ukusetshenziswa Savings Bank credit card kuzomele sifake into: imali imali kuphela ezimweni ezimbi kakhulu. Inqubo esongela Commission enkulu hhayi kuphela, kodwa futhi phuca umnikazi izinzuzo ebaluleke kakhulu i-credit card - nesikhathi esibekiwe.

Kanjani ukuhlala "plus" imalimboleko?

Imigomo yokusetshenziswa of Sberbank eRussia amakhadi esikweletu Ubonakala esicacile: ukuchitha imali ku-akhawunti, kufanele ibuyiselwe. Ngaphandle kokukhuluma okushiwo inqubo, abaningi bazibukela phansi ku imali lula futhi osasikweleta ibhange isamba eside. kahle kanjani bachithe izidakamizwa awutholi abese engena esikweletini? Kulula. Ibhange inikeza ikhasimende nenkathi kashwele ongazisebenzisa izimali ngesilinganiso 0%. Ukubuyela yonke imali ngaphambi kwesikhathi isethi, umnikazi ikhadi a winner: hhayi overpaid Dime Plus uthole ibhonasi amaphuzu.

Imigomo ukusetshenziswa Savings Bank credit card "Visa" noma "MasterCard" ukukhulisa izinzuzo isamba semalimboleko ezintweni ezilandelayo:

• ukuchitha imali kuphela non-cash;
• kufanele alindele isikhathi somusa ukuze isikhathi ukwenza imali ngaphambi isithakazelo;
• Ungakhohlwa ukwenza imali ikhadi.

Ngaphambi uchitha imali ngekhadi lesikweletu, kubalulekile ukuba ucabangisise ukuthi kuyoba akwazi ukukhokha lemali ngaphambi kokuphela kwesikhathi somusa. Kungenjalo uzoba ukukhokhela ebhange iphesenti eside.

On okushiwo isikhathi somusa

Ngaphambi kokwenza ebhange isikhulu loan lizwakalise imithetho ukusetshenziswa Savings Bank credit card. Isikhathi somusa imikhiqizo enjalo izinsuku ezingu-50. Kodwa akulona kucaca kumsebenzisi wokugcina, kulokho isikhathi iqala lapho sakwazi ukubabuyisela.

Isakhiwo isikhathi somusa kuhlanganisa nezikhathi ezimbili: izinsuku ezingu-30 ukuba wenze ukuthenga, futhi ezingu-20 sokuba akhululwe. Eyokuqala isikhawu libizwa ezimali isikhathi, uma iqala ngamadijithi ukusebenza wesikweletu. Funda kungaba nabasebenzi yebhange. Kuyinto inombolo ethile izinyanga, okuyinto uhlala njalo. Kwaphela izinsuku ezingu-30 (ngezinye izikhathi 31) umnikazi ikhadi kwenza izibalo ngemva kwalesi sikhathi kuza sicashunwa isaziso yazo zonke izimali wachitha, inani izikweletu nezinkokhelo ubuncane. Kufika isikhathi pay - ezinsukwini ezingu-20, phakathi kwesikhathi lapho umboleki kumele sikhokhele ibhange.

Kanjani inzuzo bona sokukhokha imali ebolekiwe?

Kwaphela izinsuku ezingu-20 wekhadi has ukwenza inkokhelo. Kulokhu, inzuzo yalokho kuthengiselana incike umboleki: uma ukhokha ngokufanayo kunani ukuthi sasetshenziswa esikhathini yesinqumo, ngokweqile njengoba enjalo ngeke. Kuyadingeka ukuba anake isimo buyiselo oyithandayo ngesilinganiso 0%: Umthetho osebenza kuphela non-cash izinkokhelo. Lapho ukhipha izimali isithakazelo bazothola ku inani ukuhoxa (plus ikhomishana) nsukuzonke, ngakho udinga ukuze ibuyisele le mali ngokushesha ngangokunokwenzeka.

Uma abuyisele ezinsukwini ezingu-20 inani eliphelele etholwe, kumelwe wenze okungenani ukukhokhelwa okungenani 5% we izimali wachitha. Lihlanganisa ikhomishini (i cash Ukuzihoxisa, amasevisi ikhadi, amasevisi ikhokhwe), inzalo imisebenzi loans-non-concessional, futhi izinhlawulo (izimali sekwephuzile, overdraft). Isimo izoqhubeka njalo ngenyanga kuze ikhasimende ehluleka ukukhokha yonke imali kanye nenzalo. On the zero izinga kulokhu ngeke kudingeke ukuba ukhulume.

Qaphela ukuba abanikazi wesikweletu

Lesi sihloko ehlanganiswa izinyathelo eziyisisekelo ukuthi uzobhekana umnikazi loan. Ake Yenza imithetho ngokusebenzisa credit card we Savings Bank. "Visa Igolide" isibonelo:

• Ikhadi kusebenze kwenziwa yi-ukuphela nge ngokufaka i-PIN-ikhodi;
• Ukuzihoxisa imfucuza igcwele izindlela ezengeziwe (3% semali, ubuncane 390 k.) futhi inzalo nsuku zonke selishintshiwe by inani lemali ikhomishana +;
• angabuyisela amanani wachitha evulekile, kungaba ngaphakathi kwesikhathi somusa;
• oholela kangcono ukuchitha imali ekuqaleni sokukhokhiswa, kanjalo ukusetshenziswa entshisakalweni khulula kuyoba mayelana 50 izinsuku;
• uma sikhokha yonke imali akuyona etholwe, kubalulekile ukwenza okungenani ukukhokha okungenani, ezinconywe ebhange (5% izinga + ikhomishana), kuyilapho engxenyeni esele esikweletini bazothola nsuku zonke ngesilinganiso esingamaphesenti 17.9-23% ngonyaka (i-Gold ikhadi), okuyinto kuyodingeka bakhokhe esikhathini esilandelayo, nge ingxenye yesikweletu;
• imali eye yasetshenziswa lenkathi yokukhokha kuyosebenza ngenyanga ezayo futhi akuzona ngokweyame ekukhokhweni zamanje.

Uphenyo Sberbank credit ikakhulukazi omuhle: iningi amakhasimende aneliseke izimo ekutholeni ikhadi bese ubuyela loan. Ngokusho abanikazi, plastic senziwa ngokushesha, futhi ukukhokha kubo - nemnandi.

Imigomo yokusetshenziswa "igolide" credit card Savings Bank, kanye neminye imikhiqizo, kuzosiza ukuboleka ngesikhathi ezimvunayo kakhulu. Ulwazi yonke "kodwa" kwinkontileka ngeke azivikele izinqumo ukuqubuka nezenzo. Ngokuvamile, kudingeka kuphela kahle ukubala amabutho hhayi kuphela ukusizakala ebolekiwe, bamshaya nalo ebhange lutho.