Amakhadi Sberbank: iintlobo kunye iindleko zokusigcina (ifoto)

amakhadi Bank baziswa imarike kuthelekiswa kutshanje - kwinkulungwane yama-20. Ngaphandle koku, baye baba imveliso ethandwa kakhulu ngeendleko intuthuzelo ababanikezelayo kumsebenzisi. Ngelo xesha linye ikhadi sisixhobo yentlawulo kunye isixhobo lokuqinisekisa ukhuseleko imali yakho. Nokuba weplastiki ebiweyo okanye elahlekileyo, awukwazi ukhathazeke ngayo imali yabo kwi-akhawunti - zivale nje ikhadi.

yebhanki nganye iseti yamakhadi, apho, xa kutyhobozela abathengi yayo. Ingakumbi uluhlu olubanzi ngabo basebenzisa iinkonzo zamaziko ezifana Sberbank. Ebhankini likhulu kuluhlu RF yezixhobo likhulu ngokwenene. Ngenxa yoko, kweli nqaku siza kujonga cards Savings Bank, iintlobo kunye neendleko zenkonzo. Okunxuseneyo ukuzama ukucacisa ukuba kutheni ngcono ukusebenzisa ikhadi ethile.

credit cards

Makhe siqale njengendlela ethandwayo lwentlawulo ezifana ikhadi lamatyala eliqhelekileyo kuthi. Olu luhlobo elula kakhulu noboleka kwixesha elifutshane kakhulu ukuba kuthengwe iimpahla neenkonzo. Scheme kubo ilula: umntu alamkele imida ethile yekhredithi (umzekelo, ikhadi lamatyala Savings Bank, iintlobo kunye nendleko yenkonzo esiza kuxubusha ngayo kweli nqaku, babe kunye umda we-120 lamawaka engange kunye ngaphezulu). Kamsinya nje umboleki ufuna ukwenza ukuthenga, wamane kuyavuza ikhadi, ngaloo ndlela ukufumana ibhonasi ngakumbi nangakumbi ngohlobo ezithile izaphulelo.

Ngokutsho kwimaphu, ngokutsho Savings Bank iimeko, umsebenzisi kufuneka ahlawule irhafu ethile (umzekelo, 25 ekhulwini ngalinye ngonyaka). Ukuba intlawulo awufumaneki esabiwe ngenxa xesha, ethe izohlwayo. Kodwa ke, kufanele kuphawulwe ukuba ukongeza yenzala ukusetyenziswa umsebenzisi yeentengo zemboleko kufuneka enze rhoqo nkqu intlawulo yesondlo ikhadi.

Iintlobo credit cards ezizodwa Savings Bank

Zonke Sberbank Iintlobo ikhadi kunye nokugcinwa iindleko zeziphi kuyahlukana nedlela uhlobo, ekujongwe ukuba kukhutshwa kumaqela athile abathengi. Umzekelo, imephu "loLutsha" eyenzelwe ababukeli abatsha kubaboleki. Le Visa kunye MasterCard (ukhetho lwakho) neendleko zenkonzo 750 engange. Lokulungiselela lwabo, ukuqinisekisa ingeniso. Isixa-mali umda ngetyala ilingana amawaka 200 engange, izinga lenzala - .. 33,9%.

Kuba abo bangathanda ukuthatha ngetyala ngaphandle kokulibazisa, kukho ekuthiwa-iimephu nangoko. umda Credit usezantsi - kuphela 120 amawaka engange, kwaye umyinge wenzala yi 25.9%. Ukuze ufumane ukusuka obolekayo aniswele kuphela yokundwendwela, inkonzo simahla.

Classic Credit Cards

Kakade ke, kumnombo iimveliso zebhanki kwaye ikhadi zakudala. Le credit, nto leyo engazange ukunika nayiphi nobunzima ezongezelelweyo ukulungiselela abathengi - bonke elula kakhulu. Umda credit ilingana 600 lamawaka. Thambisani., Obolekayo kufuneka uqinisekise ingeniso, ixabiso nkonzo yahluka ukusuka engange-0 ukuya 750 ngonyaka ngamnye (kuxhomekeke wena ukuba umthengi rhoqo ibhanki okanye hayi). Classic Sberbank ikhadi iintlobo kunye iindleko zokusigcina, iifoto esiye enikiweyo, nibagqithile iindidi ezimbini - Visa Classic and Standard MasterCard. Ngamnye kubo inika, njengoko kuchazwe kwi website yayo, iseti iinkonzo. It has yonke into yimfuneko iklayenti, yaye akukho nto ngakumbi. Ewe, yaye akuyomfuneko ukuba ahlawule.

amaqabane ikhadi lamatyala

Sberbank usenalo ikhadi, uhlobo kunye neendleko zenkonzo (ratings ukuliqinisekisa) nezahlukileyo kwisethi esisiseko. Oku amaqabane khadi. Okwangoku, kukho iindidi ezimbini kuphela - imaphu fund "Nika Ubomi" kunye nemephu "Aeroflot". Lo mbutho lokuqala ibandakanyeka ukuthunyelwa kwemali efunyenwe kubaxumi enkonzweni, ngenxa yokuba abantwana abagulayo. Elesibini ikuvumela ukuba nje kuphela imali ebolekiweyo uze ubahlawule ukuba kuthengwe, kodwa bamkela miles bonus ngenxa yokuhamba ehlabathini lonke kwixesha elizayo.

debit card

Kukho nezinye amakhadi ye-Savings Bank, iintlobo kunye nexabiso, nto leyo yahluke ukusuka credit nkonzo. Le debit, eli leyo ukuba ukuboleka imali ebhankini, kwaye nokwenza imali yabo kwi-akhawunti.

Izinto eziluncedo zezi amakhadi amaninzi. Okokuqala, le yindlela elula intlawulo. Ngoko ke, umzekelo, ukufaka imali kubantu ehlawulela impahla okanye iinkonzo, ngokunjalo ukuthatha ezemali ngendlela efanayo. Okwesibini, ikhadi likuvumela ukuba wonge imali. A umzekelo olula: Ukuba ufelwe yamphako, ukubala yokuba uya kukwazi ukubuyisela imali eseleyo apho, bekuya kuba kom-. Nangona ukulahleka ikhadi ukutshixa kwanele kwaye ufumane entsha. Okwesithathu, amakhadi debit kunye akhawunti zebhanki kuvumela ukwanda imali. Amaziko Financial zihlawulwa ipesenti ethile ngenxa yokuba ugcine imali yakho kunye nabo. It kuyahlukana nedlela hlobo lwekhadi.

ukuba inkokhelo

Yintoni, ke iintlobo eziphambili amakhadi debit yebhanki ekhoyo kwi-Savings Bank. Udidi lokuqala - yenzelwe ekubaleni, ezifana Visa / MasterCard Virtual, a ohlawulelwa Visa Classic, kwakunye nangoko ikhadi kunikezelo eyakwaMomentum. Eyokuqala iyilungele ukuthenga intanethi - umthengi ayiqalisi kufuneka ukuba oko kule fomu angafunda ikhadi data kuphela,; umxholo ikhadi esinjalo kuxabisa imali engange-60 ngonyaka. ikhadi iplastiki ngekhadi yenzelwe ukuba ayinike kumntu endaweni lodibaniso lwemali. It uya kukwazi ukuhlawula nayiphi na imveliso kwixesha elizayo. Ke ukuba amakhadi Momentum, oko ephawulekayo ukuba uyilo ngokukhawuleza, okt inkqubo lula.

nezinye iintlobo

Kunjalo ikhadi ulutsha,-10 ekhulwini leyo uhlobo iibhonasi kwi-akhawunti eyodwa, kunye nezentlalo - umhlala. Le yokugqibela ine ezinye iimpawu ezikhethekileyo. Ezo ikhadi Sberbank (uhlobo kunye neendleko iinkonzo bamphetheyo zahlukile) kuqhuba miqathango ilandelayo. Ulondolozo free apha. Kwimephu, ungenza ngokulula zoba imihlala kwisigqibo. Ukongeza, ibhanki uhlawula 3.5% ngonyaka kwi imali kule akhawunti.

Khumbula ukuba yonke amakhadi Savings Bank (iintlobo amakhadi ezikhutshiweyo, iimeko zokufumana) ichaziwe kwi website esemthethweni, ngoko apho unako ukufumana ingcaciso yakutshanje.

Nam ndingathanda ukuqaphela sakudala ikhadi. Le Visa Classic and Standard MasterCard (njengoko xa ngetyala). indleko kakhulu eliphezulu - 750 engange ngonyaka ngamnye. Enye indlela kungaba nge Visa Electron (iyafumaneka yokubhalisa ye-Savings Bank of the card). Forms kunye neendleko zenkonzo "Visa Electron" zimi ngolu hlobo lulandelayo: apha 1 kuphela ikhadi (khetha nje nantoni na enye); Isondlo ayibizi - engange-300 kuphela. Ukuze ezi ndlela umsebenzisi ufumana uluhlu ezisisiseko iinkonzo zebhanki.

Ekugqibeleni, phawula amakhadi kunye abasebenzisi isiphelo ophezulu-ukuba ubume. Le Gold and Platinum ngu Visa ne Mastercard. Service babe ukusuka engange-3 ukuya ku-15 amawaka ngonyaka, ekubeni ezi mveliso aye phambili iinketho (ukhuselo lwezinto ezithengiweyo, i-inshorensi, inkxaso phesheya, njalo njalo).