Credit card isiqingqo semboleko - ntoni na?

Phantse wonke ibhanki inika ngecredit card, nto leyo iba umda. Umboleki unako ukusebenzisa imali, ngoko umele uzibuyisele ngexesha. Umda idla avuselelekayo, ngoko umthengi bangayirhoxisa imali kunye nekhadi kwakhona. Kuyinto elula kakhulu kuba ungasebenzisa le mali ngexesha elimlungeleyo. Akuyomfuneko ukuba athathe amaxwebhu Akuyomfuneko ukuchitha ixesha elininzi. Kodwa ukuba unalo ikhadi lebhanki letyala, ezi ngetyala umda Anokukhokelela kukuthenga izinto azisoloko ezifunekayo.

On the isiqingqo semboleko

Yintoni kumda we -mboleko? Esi sisixa semali ebonelelwa ibhanki ukuya umxhasi ezisetyenziswa rhoqo. Zakufika imveliso logcino selivele unendlela, ngoko ke umboleki unako ukurhoxisa imali okanye ahlawule ukuthenga. Ityala Buyisela kuyimfuneko ngexesha ukuthintela iintlawulo ezingaphezulu.

Phantse zonke iziko zemali inika ixesha ubabalo, kuquka i "Privatbank". amakhadi Credit ezikwenza ukuba ezincinane ekuqaleni, esetyenziswa yi ngumxhasi we iintsuku 50-60 ngaphandle kwenzala. iimeko ezithile kuzo zonke iibhanki zinokwahluka. Ukuba usebenzisa ngokuchanekileyo inkonzo, ngoko umthengi unalo ithuba lokwenza inzuzo notsalo naliphi na ixesha.

Xa ukubuthwa kuthetha kwixesha emiselweyo kwenzeka zizakusebenza. Le nkonzo kuphela ikhadi lamatyala. I-credit kumyinge zingandiswa kwexesha, kodwa isekwe sisigqibo ebhankini.

Unlimited

Lithenga kwikhadi umxhamli unikwa umda, oko kungenjalo Akukho kukhululwa. Kodwa kukho ikhadi esikalini zero. Ngokuqhelekileyo ke kuyitsala. Umzekelo, imveliso onjalo Visa Platinum "Bin". On awohluke of ukusetyenziswa kunye nokugcinwa kuyimfuneko ukufunda kubasebenzi iziko elo.

Eli khadi uthathwa debit-credit, nto leyo ifumaneka kwangoko. Xa kukhutshwe akukho mali. Kwiintsuku ezidlulileyo ezimbalwa sisigqibo ebhankini enikiweyo imali ethile, yintoni uya kwazisa agent SMS okanye ucingo. Emva koko izuza isimo ikhadi lamatyala. Ukuba enjalo imephu "Umbona", "Euroset" yenza kube lula ukuze libe amalungiselelo imali ebolekiweyo.

imida ubukhulu

Ibhanki kucwangcisa umda ngokuxhomekeke yokuhlawula amatyala lesigulane eso. Apha kwakhona, ezifanelekileyo kuthatyathelwa umvuzo ingqalelo. Ukuba ikhadi lamatyala baye banikwa umxhasi, lo umda lwamatyala kwandiswa ekuhambeni kwexesha. Oku iphenjelelwa ekuphuculeni yokuhlawula amatyala. Ngokuqhelekileyo enikwa amawaka 50-100. Engange.

Xa umthengi ayikho kuphela, kwi umda uyala. imithetho Calculation ebisebhankini nganye eyahlukileyo. Njengoko umthetho, intlawulo kufuneka ungabi ngaphezu kwe-25% inzuzo. Qiniseka ukuba ukuthatha ingqalelo zonke iindleko lesigulane eso. Xa kumda legalelo Ubukhulu kwi koomatshini impahla umxholo.

Yandisa kumda

Ukuba unekhadi lebhanki letyala, ezi umda lwamatyala zandiswe. Xa ibhanki nganye kubalwa ngokwahlukileyo. Umzekelo, i-client ofaka isicelo, ingxelo yengeniso, uxwebhu kwipropati, "VTB 24". Ukuqwalaselwa isicelo kuthatha kungekho ngaphezulu kweentsuku ezi-3, emva koko kuthatyathwe isigqibo.

"Bin" uthatha isigqibo sakhe ukwandisa isixa ukuba abaxhasi basebenzisa iinkonzo kwaye ibuyisela imali ngaphandle nobunjubaqa. Ngoko ke, i umda ukuze nini:

• ilungiselelo amaxwebhu;
• ukusebenzisa njalo mali.

Ndazi njani umda ngetyala?

Ukuze ufumanise ubungakanani isixa enikiweyo, ungasebenzisa ezi ndlela zilandelayo:

• bafanele ukuba sele beyiqhelile le yesivumelwano sasikhutshiwe xa uqhagamshelane ibhanki;
• isixa esithile kwi irisithi evela kwi ATM;
• umthengi ingayalela ingxelo yebhanki;
• kukho elula iinkonzo zebhanki ngekhompyutha.

iindlela ezifana ziyafumaneka kwikhadi ngalinye, kuquka imephu "Umbona." "Euroset" unika ithuba lokuxhamla ofisi labucala. Ekubeni iluncedo ukwenza iintlawulo ezahlukeneyo kunye transfers.

kubanjwe

Imali kuphela ukuba kwandiswe kodwa lincitshiswe. Oku kwenzeka xa:

• It has amatyala angekahlawulwa;
• kukho umngcipheko amatyala angahlawulwayo.

Oku kwenziwa kwindlela macala, njengoko kubonisiwe kule mvumelwano. Ukuba oyifunayo, umthengi unalo ithuba ukunciphisa inani. Umzekelo, enikelweyo 300,000 engange, kwaye ngumxhasi alisusi imali esoyika yokulahleka ikhadi. Emva koko unako ukwenza ingxelo, apho wacela ukuba ukunciphisa isixa-mali kwi-mali efunekayo. Ukunikela umda inkonzo kuluncedo kuba akukho mfuneko ukujonga, apho, xa kuyimfuneko, ukuboleka imali. Kuyimfuneko kuphela ngexesha ukubuyisela ityala.