Yintoni Card Credit?

Makhe uzame ukuqonda ukuba yintoni kanye kanye ikhadi letyala, yenye yeebhanki Russian ekuyo kuye, phantsi kweziphi na iimeko. Ukuqala ukuqonda ukuba akukho nje intwana yeplastiki ekumgangatho ophezulu, kwaye intlawulo epheleleyo kunye uxwebhu zokuhlala. Kwiimeko ezininzi, le mveliso uqobo, oko kukuthi, wakhululwa ngomhla umntu ngqo. Ingasetyenziswa njengoko ukuthengwa kweempahla kunye neenkonzo ezahlukeneyo kwi zithengise ukutya, ezo baxhotyiswa izixhobo ezifanelekileyo (POS-ezinjengeetheminali).

Ukubhala nokusetyenziswa

njani ityala Wayakha ikhadi? Ngokwawo, inkqubo isicelo ilula kakhulu. A umnini ezinokubakho, qhagamshelana isebe lebhanki kufuneka babe ngabahlali neminyaka eli-18 ubudala, kodwa hayi ngaphezulu kwe kweminyaka 60-65. Noko ke, banikwe imihlaba - i-avareji imfuneko. Ngengqiqo ukuba amanye amaziko zemali ukuba akhuphe ezi amakhadi kwiminyaka nje-21. Kuyenzeka ukuze ndinike abemi kweminyaka engama-58 ezilandelelanayo. Ekubeni imveliso echazwe kumgca imveliso ye phantse zonke ebhankini, le bokuqonda kuba kakhulu kwaye ingqalelo kuzo zonke ngaxeshanye akwenzeki.

Ukongeza, credit cards yeBhanki ekhutshwe kubaxumi abakwaziyo ukuqinisekisa ukukwazi kwabo ukubhatala. Ngapha koko, ngokungathi okanye hayi, kodwa sithetha omnye yeendidi yokubolekisa ngemali. Kwaye apha nababolekisi abafuni mithi. Ingeniso kwaye awukwazi kungqina, kodwa ke umda mali ekhoyo ukuze sisetyenziswe, ziya kuba ngaphezu uthobekile. Hi ndlela leyi, malunga kumda. Nayiphi card yeentengo zemboleko "ibotshelelwe" kwi akhawunti elithile card. Loo nto ithetha ukuba umise umda kwemali. Unga sebenzisa oku kokubini apha ekuhambeni kwintlawulo kweempahla kunye neenkonzo, kunye wabaleka imali evela-ATM.

Kakade ke, ukuba kukho ityala, kuthatha inyanga ukuba ahlawule inzala yebhanki yokusetyenziswa kwemali ndayokufika umzimba mboleko. Ngoko ke kuqala ukuya ingeniso umbolekisi, kwaye yesibini ibuyiselwe kwi-akhawunti yekhadi. Ngamafutshane, umxhasi uniphethe ehlaziyekayo umgca ngetyala, ezinokuthi zisetyenziswe ngonaphakade. Kunoko, phakade.

Ke kaloku, eyona nto ibalulekileyo: ukuba ikhadi lamatyala kunokuba luncedo? Ewe, ewe, ewe.

Okokuqala, kukho into enje njenge loxolelo okanye ixesha ubabalo. Ukuba kangangexesha elithile ukuze babuyele yonke imali evela ebhankini, ipesenti ukusetyenziswa yabo iya kuhlawuliswa. Amanye amaziko ezemali, Noko ke, badla ukucwangcisa izinga, leyo isebenza ukwelixesha loxolelo. Noko ke, ubukhulu balo - ngokuqhelekileyo 0,01% ngamnye ngonyaka - zingathathwa ngokuba okuthile kuphela. Noko ke, kufuneka angakhululeki: "ulibele" xa ukuvuthwa 20-50 engange ukuze emva koko yinto enkulu. ukulibala kunceda ukusombulula ingxaki kwenkonzo SMS-isaziso lweentshukumo akhawunti, zebhanki Internet, kwakunye ingxelo yenyanga.

Okwesibini, ngokuba ezithile abanini zeplastiki lomvuzo, nesinyanisekileyo kubaboleki fide credit card (Savings, ngokuzenzekelayo, idume kakhulu) eyakhutshwa nge amagama kakuhle. I kuqala kuyimfuneko, umzekelo, ukuqinisekisa inqanaba yengeniso yabo. Ukongeza, abo kunye nabanye kukho amaxabiso ezikhethekileyo inzala ukuboleka.