Enyuselwayo Card: Izinto eziluncedo nezingeloncedo

Njengoko yokwenza ubonisa, le abagcinisa nokuzithemba needipozithi zebhanki ngexesha lokudodobala iwela kabukhali. Ukuze ukuba balahlekelwe abathengi zabo, bathe bakuyila isixhobo mali omtsha - ikhadi lokugcina. Isibakala sokuba unekhadi numbers ezifana, kwakunye zalo eziluncedo nezingeloncedo ziza kuxutyushwa kweli nqaku.

imiba ngokubanzi

Olu hlobo khadi akukho kwahluka eziqhelekileyo amakhadi debit, ngaphandle komnye - umdla angamangalelwa kuyo. Ngokwendalo, imali yebhonasi kuya kumpompoza nemali leyo efumaneka kwi-eseleyo akhawunti. Sebenzisa mali imali ngalo naliphi na ixesha kwaye ngokokubona kwayo. ikhadi Savings bank kungavula abantu. Endaweni yoko, iibhokisi imali kunye izipaji ekulula ukuphulukana, izixhobo intlawulo baye bafumana eninzi intembeko yabemi.

Indlela yokwenza ikhadi yokugcina

Okokuqala, sifanele ukuchaza ibhanki apho umthengi ufuna ukwamkela oko. Kukhethwa kungcono ukuba anike amaziko mali karhulumente, kuba yonke iminikelo kubo uya-inshorensi. Ngenxa yoko, omnye ummi attained the age of 18 angafaka isicelo ebhankini kunye nesicelo ukukhupha le mveliso yezimali. Kuya kufuneka ubhale isicelo ukufumana ngononophelo sihlolisise yonke imigaqo kunye irhafu, ukuthintela naziphi na iimbambano kwixesha elizayo. Kufuneka kwakhona ukunikela incwadi yesazisi ulinde impendulo umphathi. Umzekelo, ikhadi yokugcina i-Savings Bank iya seyilungile kwiintsuku 10-14. Ukuze ukwazi yoko, kufuneka utsalele umgca ebhankini ashushu uze ucele umqhubi ngokufumaneka imveliso yentlawulo okanye uqhagamshelane nesebe elikufutshane leziko zemali.

Isicelo sokubhaliswa kunokuba kunye uncedo website esemthethweni ebhankini. Ukwenza oku, yiya kwi "yoBhaliso Document" kwicandelo ze ugcwalise le fomu ingezantsi. Ngexesha elithile uya kuphendula malunga nokufumaneka ngemveliso idibhozithi okanye ukwala.

Izinto eziluncedo ze amakhadi zokugcina

Abo abemi abasebenzisa ngayo imali idipozithi nokwanda inkonzo kwikhadi intlawulo yabo, bafumane inzuzo eyahlukileyo phezu kwabo abo bangenayo le mveliso yezimali. Ngoku akukho mfuneko yokuba ukunxiba pack imali umoyike ukuze ibiwe. Ukongeza ukhuseleko eziinkozo, umthengi ufumana umdla ngakumbi phezu iidiphozithi ezingasetyenziswanga, oko kukuthi imali kule akhawunti. Ngokwesivumelwano, esi sixa-mali uyalingana okanye ngaphezulu zikhankanyiweyo. yebhanki nganye ineemfuno zayo kunye namaxabiso. Enye inzuzo ukuba lomxhasi ngokuyinxenye benqumamise imali kwi-akhawunti, kodwa kuphela kwinqanaba elithile. Kakade ke, sonke oko kuxhomekeke kwiimeko lomlambo lowo. Umzekelo, ikhadi Sberbank lonyuselo unika amalungelo abo ngabathengi kwi akhawunti engaphezulu kwesinye ezilikhulu lamawaka. abantu abanjalo ukufumana inkonzo simahla yi-credit card. Ukongeza, kokukhona iimali ezingasetyenziswanga, kungona izinga lenzala.

Ukongeza kwezi iingenelo, ngokusebenzisa le sixhobo wezezimali uhlawule evenkileni. Kwakhona ikhadi ngemali inika ithuba ukudlulisela umdla kwikhadi lokuthenga ngetyala. Kwezinye iimeko, oku kuyanceda ukuphepha Sangena mboleko.

ukushiyeka

Ukongeza yemfaneleko ikhadi inkxaso amaphutha. Umzekelo, uyakwazi ukususa yonke le mali kwi-akhawunti usebenzisa isixhobo intlawulo. Kungenjalo, sonke iipesenti imali asuswe. Kananjalo kuya kufuneka ukuba ugcwalise i imali qho ngenyanga iwaka engange okanye ngaphezulu. Ngokwendalo, ayanda imali, kokukhona ipesenti yengeniso zabathengi kwisixando sokwenziwa. Ukuba ukudluliselwa umntu kule mephu umvuzo, akayi kuba nako uyisuse ngokupheleleyo. Ngaphandle koku kusoloko kufuneka ukulawula imali yabo, ukuze ukufikelela ubuncinane. Ezinye iibhanki musa gxotha iintlawulo inzala ukuba imali kwikhadi iwela ngaphantsi kwinqanaba elifunekayo.

iimpawu

Njengoko kubonakala ngentla apha, akukho nto kunzima ukufumana imveliso jikelele ngokwezimali, ezifana ikhadi lokugcina. Oko kufuneka sinikele ingqalelo - oku kwi imeko ibhanki yakhe. Kwezinye iimeko, ukungakwazi ukufumana nayiphi na enomtsalane inzala utsale kwimali intswelo yabo. Kwakhona, musa ahlawule imirhumo eyongezelelweyo lokuvula imveliso ebhankini, njengoko kufuneka ibe ngendleko ebhankini.

Ukukhetha phakathi ukuvulwa yedipozithi kunye ikhadi yokugcina, kuluncedo zithande yangaphambili. Oku kuchazwe yi kukuba inzala kwi-akhawunti iya kuba ngaphezulu kakhulu.

Kukho uhlobo olunye lweenkqubo ikhadi - ikhadi isaphulelo lonyuselo. Oku kusebenza ayahlukanga ukusuka ngentla. Kuphela ngoncedo kukulungele kanye ukuba unako ukuhlawula ezivenkileni kunye kwiivenkile ezinkulu. Kukho indlela ekhethekileyo isaphulelo, nto leyo evumela imali nangakumbi.