Ikhadi lamatyala "VTB 24". Yenza ikhadi lamatyala "VTB 24"

AmaRashiya kunokwenzeka ngakumbi ukuba usebenzise amakhadi ngetyala. Bona, ke, sinikela iibhanki ezininzi kunene Russian. Indlela yokufumana ilungelo? Kukho ukhetho - lokukufaka "VTB 24", elinye lamaziko ezinkulu zemali kwilizwe lethu.

Malunga ibhanki

Commercial Bank "VTB 24" ligxininisa ekunikeni uluhlu olubanzi lweenkonzo zemali abantu nemibutho. Eli ziko yeentengo zemboleko ofisi ngaphezulu kwama-500 kwimimandla Russian.

Phantse yonke imizi emikhulu uyakwazi ukufumana i-ofisi ebhankini. Phakathi okufunwa kakhulu-emva kwiinkonzo zemali, "VTB 24" - mboleko ngenxa kunikezelo ezikhethekileyo amakhadi ngetyala. Ibhanki likwabonelela nezinye iintlobo ezininzi mboleko - nezivumelwano zokubambisa, mboleko zemoto, ushishino njalo njalo ..

Kutheni le nto kufuneka ukuba ikhadi ngetyala?

amakhadi Credit zibe lula kuba zinokuba, kwakunye usebenzisa debit "yeplastiki" ukuhlawula izinto ezithengwa - lo gama kungekho iikhomishini, nokuba le mali iza ingakhutshwa kwi-akhawunti yetyala, ibhanki iya ukuthatha.

Hlawula amakhadi ngetyala na ilizwe apho kukho ezinkulu iinkqubo zentlawulo MVUME LOKUNDWENDWELA LEXESHANA kunye MasterCard ehlabathini.

amakhadi Classification kwezikim credit

ikhadi lamatyala ukusuka 'VTB 24 "ukuba zihlelwe ngokwemimiselo eziliqela. Kukho iimaphu apho umxhasi unako ukuhlawula imali kwi amagama ngendlela ekhethekileyo. Kukho credit cards equka ezinye imida kwi overdraft. Kukho iimaphu apho kukho ixesha ubabalo ngentlawulo umdla. Phantse zonke yamaphepha ezikhutshiweyo "VTB 24" zingasetyenziswa ngumxhasi xa uthethathethwano ubabalo-xesha - ukwelixesha loxolelo, apho ipesenti imali-mboleko leyo ayibalwanga.

Qiniseka ukuba imeko ukusetyenziswa ngokupheleleyo kwale - rhoqo (phakathi billing) ukuqaliswa kwe ikhadi lwenqununu (nto leyo edla kubonisiwe kwityala ngenyanga, ingxelo evela ebhankini). Ngokuqhelekileyo, ixesha zokuhlala eqhelekileyo "VTB 24" - 1 ukuya ku-20 wenyanga. Isixa-mali isezantsi umbuzo, ngokuqhelekileyo-10% yenqununu. Hi ndlela leyi, inani elifanayo esetyenziswa ekubaleni yentlawulo ebizwa njalo-ubuncinane - isixa semali ukuba abathengi kufuneka ahlawule ikhadi nyanga nganye malunga inqununu kunye nenzala, wenyuka emva ukwelixesha loxolelo.

Yintoni eyenziwa yibhanki?

"Classic" ikhadi lamatyala "VTB 24" - uhlobo lixhaphakileyo 'zeplastiki "kule iziko lemali. Kuyinto elula kuyilo, iimfuno mboleki ubuncinane. Umda credit kweli khadi yi-avareji amawaka 300 engange, izinga lenzala -. Malunga ne-19% ngonyaka ngamnye. Nyaka ngamnye, iintlawulo zebhanki ukulungiselela intlawulo yenkonzo ikhadi (750 engange).

"Transaero" - elinye ikhadi ethandwa letyala. "VTB 24" inikeza kubaxumi bayo abahamba lukhulu. Le imveliso idibanisa iimpawu ezithile nayiphi na ikhadi lebhanki letyala, kwaye ikwanika eninzi iibhonasi enokusetyenziswa xa kuthengwa amatikiti umoya "Transaero". Ngokukodwa, salatha umkhweli umoya tirhisa ukuphucula isihlalo yeklasi (with "kuqoqosho" kwi "Business"). umda Credit kunye nezinga malunga ngokufanayo ikhadi i "Classic". Iindleko zonyaka zokukhwelisa ikhadi lamatyala - 900 engange, kodwa kunyaka wokuqala ibhanki ikuvumela ukuba usebenzise yona simahla.

Kukho uluhlu lwamatyala "VTB 24" yodumo "Card Gold". Iyilelwe ukuba ukugxininisa into yokuba umxhasi - indoda iziyobisi. Eli khadi inika iibhonasi ezithile xa abakhonza neehotele kunye nezinye iindawo kwinkonzo ehlabathini lonke. umda Credit i "Card Gold" ngaphezulu kwe "wayengekho" kunye "Transaero" - 600 amawaka engange .. Izinga ephantsi kancinci Inzala --avareji ye-18% ngonyaka ngamnye. Noko ke, ukuba uyakholiswa enjalo Umxhamli kuya kufuneka ahlawule isixa esikhulu inkonzo yonyaka - 3 amawaka engange ..

Level ngaphezu "Card Gold" - ikhadi lamatyala "Premium". Enesifo mda omhle - 1.5 million engange, i bewuhlisele izinga lenzala - malunga ne-17% ngonyaka ngamnye. iindleko zonyaka yesondlo kwakhona endilisekileyo - amawaka 10 engange .. Kukho le mveliso iibhonasi umdla, kuquka - cash-umva, xa phantsi intlawulo ikheshi-akhawunti yekhadi imbuyekezo-5% ye-mali esichithwe ukuthengwa okanye intlawulo yeenkonzo.

Le abathengi kakhulu nesinyibilikisi isicelo ikhadi lamatyala "VTB 24" igama "Platinum". Umda credit phezu lufikelela engange zigidi ezi-2. mali lonyaka -. 30 amawaka abanikazi amakhadi ebhankini uthembisa inkonzo wena kunye nesisombululo okukhawulezayo kwiqela iingxaki ezinokubakho. Umzekelo, ukuba ikhadi lilahlekile, ibhanki ukulungele ngokukhawuleza kangangoko kunokwenzeka endaweni okanye anike imali ngeendleko kumda ngetyala.

Phakathi iimveliso ezongezelelweyo ngetyala - ikhadi "iimeko zam." Ngokutsho umxumi wayo ungafumana eziliqela iinkonzo eziluncedo, ukuba bathathe inxaxheba kwiinkqubo inshorensi. Liyinyaniso elokuba, silinganiso credit cards ezinjalo eqhelekileyo - ku ezahlukene 150 lamawaka engange ..

Ekuthiwa-ubabalo-xesha, xa ngokuba umda credit "VTB 24" Ingaba kubiza inzala yonke amakhadi - iintsuku 50.

ukubhalisa

ikhadi lamatyala "VTB 24" ingakhutshwa ngu utyelelo kuyo nayiphi na i-ofisi yeli ziko zemali. Ekubeni zonke pre-iimeko, kwakunye nengcaciso malunga amaxwebhu ayimfuneko zifumaneka kwi website esemthethweni ebhankini. Isigqibo lokuqala lokufumanisa isicelo ikhadi umxhasi inokufunyanwa ngokuzalisa ifom intanethi okanye ukudlulisela data abo kwinombolo engahlawulelwayo ye-call centre abanezakhono.

Bank "VTB 24" ubizwa tentatively isigqibo ngokusekelwe isicelo-intanethi, okanye enye into yenziwe ngefowuni, akusekho ukwenza nayiphi iitshekhi ezongezelelweyo kwi yokuhlawula amatyala lesigulane eso. Oko kukuthi, ukuba ubolekayo sele ifumene imvume, xa efika kwi-ofisi ebhankini, ngoko konke ekufuneka uyenze - ukungena ngemvume amaxwebhu ayimfuneko yaye kungekudala emva koko ukuze ufumane ikhadi.

Yintoni ebonisa umda ngetyala?

Umda ophezulu ityala elikhankanyiweyo amakhadi inkcazelo, ibhanki alunakuqinisekiswa. Kodwa kusenokwenzeka ukuba ukufikelela kuyo, ukuba amkeleke kwabo iimpawu zebhanki ezifana ubudala client, indawo yakhe yomsebenzi, ubude amava emsebenzini, inqanaba lomvuzo, kwakunye neenkcukacha kwimbali card.

A yokubala okufana yokubala mda ubuninzi ngetyala - ubukhulu balo kufuneka ingadluli 300% ye kumvuzo wenyanga (okanye enye ingeniso kuqinisekiswa) client. Ixesha wihi credit card, njengokuba umthetho, kwiminyaka emibini.

ukuhlola esele

Bank "VTB 24" lenze iqela leenketho lula ukuba ekuhloleni imali eseleyo kwi-credit cards. Phakathi kwabo - inkqubo "Teleinfo" (or "Telebank"). Njengenxalenye ukusetyenziswa imijelo yawo ezininzi - Internet, ifowuni, SMS-imiyalezo. Esebenzisa omnye wabo, lowo unako ukwenza eminye imisebenzi ezinoncedo ezifana, ngokomzekelo, ufeze order kwi-akhawunti yebhanki naliphi na ixesha, ukuze ufumanise ityala kwi-mboleko. Kwakhona, kwezinye iimeko, mhlawumbi ngokubhalisa "TELEINFO" imali ebhankini. Yenza le nkonzo lula - ukubiza nje yebhanki kwiziko loqhagamshelwano, ngoko ngokuba inombolo yekhadi, igama ikhowudi uze uphendule inani imiba kunokwenzeka ezongezelelweyo specialist.

Ukuze imali ephantsi ngenyanga (idla kwisithuba 50 engange) lomxhasi ukuqalisa inkonzo "SMS-isaziso." Ukusebenzisa ifowuni yakho, unako ukulawula i-akhawunti, kwaye ukuhlawulela ezinye iinkonzo.

Kukho kwakhona "Classic" lokukhangela scheme balance - ngokusebenzisa i-ATM okanye ebhankini. Ingongoma ebalulekileyo: "VTB 24" akuthathi ikhomishini xa ekuhloleni imali eseleyo kwi-ATM, kodwa amanye amaziko lwamatyala unako ukwenza njalo. Xa utyelele i-ofisi kufuneka ubungqina esemthethweni ungubani client.

Ngubani na ukufumana ikhadi ngetyala?

Ukuba, umzekelo, ezinye iibhanki US bakulungele ukunika iinkonzo zebhanki ezinxulumene mboleko, abangengabo abemi beli lizwe, ikhadi lamatyala "VTB 24" uya kukhutshwa kuphela nabahlali Russian Federation. Iminyaka yobudala Ubuncinane ngumthengi zocwangciso iimveliso zebhanki ezinxulumene mboleko - kangangeminyaka engama-21. Yokuhlawula amatyala le umboleki - indlela abenze ibaluleke kakhulu kwi "VTB 24". Credit Card, iimeko nokunikwa kwenziwe imimiselo yibhanki sikhanya ngokwaneleyo, awamnika abo kubaboleki abanengeniso rhoqo, kungakuhle ngenxa yomsebenzi ukuphunyezwa yi-Code Labour.

Imbali Credit - nayo i kwingongoma ebalulekileyo ukuze sigqibo kunikezelo amakhadi. Ukuba iklayenti zakreditovan kakhulu okanye unalo iintlawulo ukulibaziseka yenkqubo-mboleko, kubandakanywa nabo ekhutshwe kwezinye iiBhanki, amathuba okufumana ikhadi lwamatyala yehla kakhulu. kubaboleki zingaphi ezishiyekileyo uzama ukwenza amalungiselelo imveliso efana ikhadi lamatyala "VTB 24" ncomo, apho bhala ukuba ibhanki wala ngenxa yokungabikho imbali elungileyo ngetyala.

I-inshorensi

abasebenzisi Uninzi credit "VTB 24" imveliso inikela i-inshorensi kwi ilahleko ubuchule zabasebenzi kwimeko. Kukho kwakhona uguqulelo apho ikhadi ikhredithi inshorensi xa ufikelelo olungekho mthethweni (ngokuxhomekeke imbuyekezo, Noko ke, kukho isixa kuphela ethile, uluhlu eqhelekileyo -. 20-150 amawaka engange). I-Bank unika rhoqo izaphulelo kuyilo-nkqubo. isayizi yazo, owawufikelela 10-15%, kuxhomekeke kuhlobo lwekhadi, yintoni na iimeko zenkqubo inshorensi.

Unyuselo, nezaphulelo

card Bank credit "VTB 24" - imveliso ukuze umdla kubathengi amandla ukufumana, yaye abaliqela rhoqo, amabhaso ezahlukeneyo kunye neebhonasi, kwakunye nokusetyenziswa nezaphulelo umdla. Zonke ezi amalungelo zinikwa kubaxumi ngokusebenzisana kunye nothungelwano ibhanki yakhe ngemiyinge emincinci okanye amaziko nkonzo, kaninzi - ukuthenga kwi-intanethi. Njengomgaqo, imeko kokwamkelwa iibhonasi ezithile ukuba benze izinto ezithengwa abathengi kwi kwimibutho iqabane.

iinkqubo bavumile

Makhe sijonge imizekelo yendlela ibhanki "VTB 24" liye sibambisane mveliso ezahlukeneyo yokubonelela nabathengi kunye nebhonasi ezihlawula kunye evenkileni. Phakathi iinkqubo ezithandwayo yale ntsebenziswano - yokusebenzisana ivenkile online OZON. abathengi Bank sithenga usebenzisa amakhadi ikhredithi, "VTB 24" kwisitora online, sinokuqiniseka isaphulelo se-7% okanye imali iingongoma ingasetyenziswa kukuthenga elizayo. Iinzuzo program "ibhonasi mfono" elinikwe kubathengi, "VTB 24", besonwabela iinkonzo yonxibelelwano "Beeline". Baya kubuya imali echithwa kwi balance rhumela umva kwimaphu. Fumana ikhadi lamatyala "VTB 24" kwaye ngexesha elinye iqela iinzuzo luncedo kubathengisi ezithandwayo kweempahla kunye neenkonzo, kakade, baseRashiya abaninzi bafuna.