Yikuphi lesikweletu inzuzo kakhulu: ukubuyekezwa abanikazi, futhi izici ezithakazelisayo

Minyaka yonke ikhadi lesikweletu phakathi abaseRussia sekuthandwa kakhulu. Lokhu kungenxa yezizathu eziningana, kodwa eyinhloko ngezezimali abantu futhi ngcono izimo kwamabhange. Ngenxa mncintiswano ababolekisi ezinkulu sikhuphuka ngemikhiqizo emisha ikhadi. Kodwa namanje kuvela eziningi umbuzo, yini engcono credit card. Isilinganiselwa we enenzuzo kakhulu izokwethulwa esihlokweni. Ngesisekelo ke, ungakhetha okuthile ofanele.

Izimpawu zamakhadi ongaphakeme

Yikuphi ikhadi lesikweletu inzuzo kakhulu? Izibuyekezo abonisa ukuthi kubalulekile ukugxila izimpawu ezimbalwa ukucacisa yasebhange komkhiqizo oqondile. Lezi zihlanganisa:

1. inkonzo Wonyaka. Lona ipharamitha main kufanele ucatshangelwe lapho ukhetha umkhiqizo loan. Iningi labo iyisevisi ikhokhwe, kodwa izimo kungase kube nenzuzo. Leli khadi kumele akhethwe uma izimo ukhokha intengo.
2. Cashback. Amakarada amanengi lesi sici, kodwa ubukhulu bayo nemibandela zingase zihluke.
3. Isikhathi. Kuyinto efiselekayo ukuthi kube isikhathi eside ngangokunokwenzeka. Lokhu kukuvumela ukuba usebenzise imali bese ubuyela kubo ngaphandle kwenzalo.
4. Commission. Okuningi inzuzo ukukhetha ikhadi kungekho ikhomishini ukheshe noma ke incane.
5. Imali ekhokhelwa amasevisi angeziwe. Ngokuvamile amabhange ninikeza usebenzisa i-SMS kwaziswe, umsebenzi ashona amakhadi, ukudluliselwa. Usizo kungaba kokubili free futhi wakhokha.

Kuyinto ngesisekelo nalezi zindlela kutholwa ukuthi iliphi ikhadi lesikweletu iyona enenzuzo kakhulu. Izibuyekezo basikisela ukuthi kubalulekile ukuba uhlole izimo amabhange eziningana ngaphambi kokuba athole udumo. Kungcono ukuxhumana nezikhungo ethandwa. Iyini inzuzo kakhulu credit card? Senza izinqumo ngesisekelo lesilinganiso.

Inombolo 1 - "Tinkoff Bank"

Credit Card Bank of the inzuzo kakhulu? Izibuyekezo abonisa ukuthi lena umkhiqizo "Tinkoff Bank". Ukuze uqiniswe, ungasebenzisa i-Inthanethi. Asikho isidingo ukunikeza izitifiketi umsebenzi. Uma kuqhathaniswa namanye amabhange, "Tinkoff" ithumela plastic courier, ngakho-ke, izinsuku ezingu-2-3 ngemva isicelo, uzobe aziyise ekhaya.

Ngaphezu lula, Ikhadi lokubhalisa ine nezinye izinzuzo. Ixhumeke ibhonasi uhlelo "Bravo", lapho ungakwazi ukuthola amabhonasi ukuthengwa-30% on Izipesheli. Lokhu yezitolo ezinkulu inthanethi, amathilomu inthanethi nezindawo zokudlela. Ngakolunye ukuthenga cashback 1%.

Uma ikhasimende has a izikweletu nge-credit kwelinye ibhange, ukuthola amakhadi "Tinkoff" angadluliselwa ke. Isevisi ibizwa ngokuthi "Balance Dlulisa". Kulokhu, iklayenti ithola umusa esiyizinsuku ezingu-90. It kuvela ukuthi ngesikhathi 3 izinyanga isithakazelo icala ngeke.

Izinga ingase yehluke kuye ngesistimu ukheshi ukusetshenziswa (kusuka 32,9%) noma ukuthenga okwenziwe (by 24,9%). Umkhawulo elilingana ama-ruble ayizigidi 300.. Ungakwazi ukukhokha isikweleti ngokusebenzisa yimuphi amabhange. Ukuze uthole imalimboleko ayidingi usizo futhi guarantors.

Inombolo 2 - "Alfa-Bank"

Lokhu kubuye inzuzo ye-credit card. Izibuyekezo zisikisela ukuthi "Alfa-Bank" linikeza izimo ezinhle. Amakhasimende uphiwa isikhathi somusa izinsuku 100. Lokhu isikhungo sezezimali baba ngomunye wabokuqala ukukhiqiza amapulasitiki nge isikhathi somusa esiyizinsuku ezingaphezu kwama- 55-60.

Ikhadi kuzuzisa medium kokuthenga izinto ezinkulu futhi ukuhoxisa ukheshi. Umkhawulo bengase bazikhandlele ruble ayizigidi 300.. Izinga iqala ngo 24,9%, kodwa kunqunywa ngamunye yeklayenti ngayinye. Icala service kuncike hlobo lwekhadi.

Inombolo 3 - Touch Bank

Ngokuvamile ithiphu credit card ikuvumela ukuba ukhethe umkhiqizo ebhange. Thinta Bank entsheni ezweni lethu laziwe. branchless yasebhange project "-OTP Bank" inikeza ukuze uthole ikhadi cashback engafika ku-3%. Iklayenti unethuba ukhethe isigaba, okuyinto cashback eliphakeme.

lizokhokhiswa ezingaphezu kuka-1% yezitolo ngamunye. Ibhange njalo esebenza isinyathelo, okuzokwenza uthole amaphuzu ngesimo imali yangempela, uma wenza izimo ezithile. Ngokwesibonelo, ukuchitha noma ukwenza imisebenzi ethile. Izikhungo kuyoba mahhala, uma ngenkuthalo ukusebenzisa ikhadi, futhi sigcine imali yabo ebhange. Uma ubhalisa plastic udinga ukucela isayithi bese ulinda isinqumo. Ikhadi iza ezinsukwini ezimbalwa yizithunywa.

Inombolo 4 - "Thumela Bank"

Banikezwe isikhathi kwesikhathi somusa, iliphi ikhadi lesikweletu iyona enenzuzo kakhulu? Izibuyekezo abonisa ukuthi ungahlela it in the "Thumela Bank", ngoba kukhona non-isithakazelo ebizwa izinsuku 120. Yingakho-ke ekhetha eziningi abantu.

Ikhadi esihle ethenga kuwebhu. Uma uthenga okuthile ku-inthanethi in inani ruble 7000, exhumanisa i-"iphakethe of abathengi inthanethi." Khulula Isevisi kuhlanganisa ukuthenga Ukuvikelwa.

Inombolo 5 - "VTB Bank of Moscow"

Banikezwe imali yesevisi, iliphi ikhadi lesikweletu iyona enenzuzo kakhulu? Izibuyekezo ababoleka abonisa ukuthi kungenzeka ukufundisa zepulasitiki "VTB Bank of Moscow", ngoba kuyinto free ngonyaka wokuqala. Amakhasimende Umenyiwe iqhaza kuhlelo ibhonasi, okuyiwona ungamukela ukuthengwa abafika kwabangu-10%.

Izinga esiphakathi 29,9%. Isebenza Isikhathi samahhala izinsuku 50. Ukwamukelwa yena osebenza i cash Ukuzihoxisa. Umkhawulo elilingana ayizinkulungwane 350. Ruble. Cashback kuze kufinyelele ku-3%. Amakhasimende babe nethuba lokuthola izaphulelo ezivela abalingani.

Inombolo 6 - "Renaissance Credit"

Yikuphi ikhadi lesikweletu ukukhetha, uma unentshisekelo isevisi inzuzo? Inkokhelo ingathathwa ku "Renaissance Credit". Amakhasimende babe amalungu ohlelo ibhonasi, okuyinto ikuvumela ukuba uthole amaphuzu 10%.

Ukuze ukhiphe ikhadi kwanele ukushiya isicelo kusayithi ke ungakwazi ukulinda isinqumo. Umkhawulo ku plastic kuyoba kuze ayizinkulungwane 150. Ruble. Isikhathi somusa isebenza izinsuku 55. Umkhawulo ivuselelwa ngesikhathi senkokhelo imalimboleko. Amaphesenti eyabelwe iklayenti ngayinye.

Lezi amabhange ezidumile phakathi abantu benarha yekhethu. Sidinga nje ukufunda ngokucophelela imigomo Ukukhishwa ikhadi. Inqubo yokubhalisa enhlanganweni ngayinye enjalo.

Yini edingekayo ukuze yokubhalisa?

Uyini-credit card kanye okuyinto ibhange ukukhetha, ikhasimende enquma bebodwa. Omunye kuyoba inzuzo inkonzo emahhala, ngenkathi abanye bethola izaphulelo ezivela abalingani. Phela, ikhadi ngalinye kunezinzuzo zako siqu.

Ukuze ukuhlela umkhiqizo yasebhange, zidlule letigaba letilandzelako:

• isicelo;
• ukwethula i-passport;
• imibhalo ezengeziwe, ezifana SNILS.

I umkhawulo esabekwa abakweletwayo ngalesi simo. Abakwazi afinyelela ayizinkulungwane 500. Ruble, kodwa ngokuvamile lemali ifinyelela izinkulungwane 150. Ruble. Izinga is futhi usethe ngamunye.

izici of

Ukwenza okwenziwa ngaphandle izithenjwa guarantors. amabhange Abaningi ukuhlola umlando credit, futhi asidingi umshwalense. Inzalo credit card lonke inani.

Ngokuvamile amabhange anikele plastic okuzisholo, lapho nanso is ncele bese usetha kumaphesenti athile. Le mikhiqizo ýkhasýmende akhishwa amakhasimende njalo futhi entsha. Ngiyamkhulula kusukela izinsuku ezimbalwa inyanga.

Ukwenza inthanethi

ababolekisi amaningi anika ukukhipha amakhadi kwi-inthanethi. Kufanele uvakashele iwebhusayithi esemthethweni ngokubhala idatha yabo. Online ikhasimende bangafaka isicelo ababolekisi eziningana, futhi ngemva kokuvumela ukuba isivumelwano olulodwa.

Ukwenza nge-Internet has izici:

• Ukubonisana luvela ku-intanethi futhi ngocingo;
• design isicelo ukhululekile;
• ukucabangela kuthatha imizuzu efika ku-30, ngemva kwalokho opharetha NAMEeshaya;
• Plastic idluliselwa ngeposi noma courier, kodwa ungakwazi ngokwabo bavakashela ebhange.

Amamephu zibhaliswe kanye nokuntuleka. Uhlobo lokuqala ubhekwa okungcono, ngoba lokhu plastic ivikelwe.

izincomo

Uma uhlela uhambo oluya ezweni elikude, kufanele ukhethe ikhadi azosebenza lapho. Empeleni, abanye amabhange ukuvimba isenzo plastic phesheya. Futhi ngezinye izikhathi une kusenesikhathi Ukuhamba ezivela eRussia.

Uma inkontileka ayicacisiwe senzalo, akufanele akhiphe ke. Kulokhu, ibhange Ungayishintsha, kanye ngokweqile uyoba mkhulu. Kungcono ukusebenzisa sikhungo, okuyinto eye wayevele ukubhekana ikhadi umholo, noma izenzo kuso. amakhasimende avamile kuvame ahlinzekwa imigomo izindawo ezingconywana.

Uma udinga okungenani kwemibhalo, izimo imali-mboleko enjalo ngokuvamile hhayi inzuzo kwikhasimende. Ingabe usebenza emazingeni aphezulu, amasevisi ikhokhwe, umshwalense. Uma izimali ezidingekayo isikhathi esifushane, kubalulekile ukubuza mayelana kungenzeka lokuhlengwa ekuqaleni, ngoba ngaleso sikhathi kuyoba ugcine yenzalo. Futhi kwezinye Imiphumela amabhange kusengaphambili eyinhlawulo. amazinga Omkhulu, izinhlawulo ezinkulu ngokuvamile isicelo loans nge Ukukhishwa osheshayo.

Kungcono ukukhetha amakhadi ukuzuza, isibonelo, ukuthola 10% ukuthengwa. Uma uvame ukuhamba, kungcono ukuba ukhethe uhlelo nge amabhonasi flying. Lokhu kukuvumela ukuba uthole izaphulelo kuma travel. Futhi ephelele isikhathi yezitolo isaphulelo.

Ngaphambi kokwenza lesikweletu udinga bajwayelane umkhiqizo ebhange. Ngesikhathi ukusayina yesivumelwano kufanele ucacise ulwazi mayelana nokukhokhwa nezinsiza ezengeziwe, amazinga. Ungabi kahle ukukuxwayisa service izinkokhelo ezidinga ukuvikela ubuhlongandlebe. Ngemva kokuthola amakhadi okukhokha kufanele ihlolwe ukuze wenze ezitolo inthanethi.

Ukuhoxisa ukheshi kusuka ATM kufanele ihlolwe. amadivaysi okusolisayo kufanele kubikwe ebhange noma amaphoyisa. Lapho ukhipha izimali ezidingekayo ukuze sinake kakhulu ukuphepha, ukuze kugwenywe ukungaqondi kahle eziningi.

Inkokhelo loan

Ukuze angabuyisela izikweletu ekhadini kungaba nganoma iyiphi indlela elula. Imali angadluliselwa ngokusebenzisa yimuphi amabhange, izinhlelo lokukhokha, ATM terminals. Nikela izamba ezilandelayo, okuyinto ngeke ibe ngaphansi ubuncane elisungulwe ngenyanga.

Ukudluliswa izimali ngokuvamile kwenzeka ezinsukwini ezingu-1-5, kuye ngokuthi indlela. Redemption kuyafana ne loan ezivamile. Siqukethe uthishanhloko kanye nesithakazelo. Uma ngesikhathi esifanele ukukhokha isikweleti, ibhange nanka amakhasimende enezimo ezingcono kwezinkonzo zazo.