Amakhadi Sberbank: izinhlobo kanye nokugcinwa izindleko (isithombe)

Amakhadi asebhange letangeniswa emakethe esanda kutholakala - phakathi nekhulu lama-20. Naphezu kwakho konke lokhu, baye baba umkhiqizo ethandwa kakhulu ngezithukuthuku induduzo ukuthi ahlinzeke umsebenzisi. Ngesikhathi esifanayo ikhadi liyithuluzi yokukhokha kanye ithuluzi ukuqinisekisa ukuphepha izimali zakho. Ngisho noma plastic eyebiwe noma ezilahlekile, awukwazi ukhathazeke ngemali yabo ku-akhawunti - nje ukuvimba ikhadi.

ebhange ngamunye has isethi lamakhadi, lawo angawasebenzisa ukudweba amakhasimende ayo. Ikakhulukazi ezahlukene labo abasebenzisa usizo ezikhungweni ezifana Sberbank. Ngo ibhange elikhulu kule uhla RF zomculo mkhulu ngempela. Ngakho-ke, kulesi sihloko sizobe sibheke Savings Bank amakhadi, izinhlobo kanye nezindleko inkonzo. Parallel ukuzama ukuchaza ukuthi kungani engcono yokusebenzisa ikhadi ethile.

amakhadi esikweletu

Asiqale nge izindlela ethandwa yokukhokha ezifana credit card ajwayelekile kithi. Lokhu kungolunye uhlobo elula kakhulu uboleka esikhathini esifushane ikakhulukazi ukuthenga izimpahla kanye nezinsizakalo. Isikimu wabo ilula: umuntu olitholayo nge umkhawulo wesikweletu ezithile (isibonelo, i-credit card Savings Bank, izinhlobo futhi izindleko zokuletha esiphila ngazo kulesi sihloko, kungaba nge umkhawulo ruble ayizigidi 120 nokuningi). Njengoba nje lo muntu obolekayo ufuna ukwenza ukuthenga, wamane usuthela ikhadi, kanjalo kokuthola amabhonasi ezingasho ngesimo esithile izaphulelo.

Ngokusho ibalazwe, ngokuvumelana Savings Bank of izimo, umsebenzisi kumele ukhokhe izinga ezithile (isibonelo, 25 per cent ngonyaka). Uma inkokhelo ingekho bayiphethe esingashintshi kuze kufinyelelwe esikhathini, enqwabelene izinhlawulo. Nokho-ke, kufanele kuqashelwe ukuthi ngaphezu zenzuzo ukusetshenziswa credit umsebenzisi kumele wenze njalo ngisho imali ngenxa yokulungiswa ikhadi.

Izinhlobo wesikweletu ekhethekile Savings Bank

Zonke Sberbank izinhlobo zamakhadi kanye nokugcinwa izindleko zazo iyahlukahluka kuye ngokuthi hlobo, okuhloswe ikhishelwe amaqembu athile amakhasimende. Ngokwesibonelo, ibalazwe "Youth" yenzelwe ababukeli abancane ababoleka. Lokhu Visa kanye MasterCard (okukhethayo) ukuze izindleko inkonzo 750 ruble. Ukuze ukulungiselela yabo, ukuqinisekisa imali. Inani umkhawulo wesikweletu ilingana ruble ayizigidi 200, inani lenzalo - .. 33,9%.

Kulabo angathanda ukuthatha ngesikweletu ngaphandle kokulibala, kukhona okuthiwa amabalazwe osheshayo. Umkhawulo wesikweletu ingaphansi - ruble ayizigidi 120 kuphela, futhi inani lenzalo kuyinto 25,9%. Ukuze uthole kusukela umboleki kudingeka kuphela passport, isevisi yamahhala.

Classic Credit Cards

Yiqiniso, kule line imikhiqizo yasebhange futhi ikhadi zakudala. Lokhu credit, okuyinto awunikelanga ayinkimbinkimbi ezengeziwe ukuze ikhasimende - konke silula. Umkhawulo wesikweletu ilingana ayizinkulungwane 600. Hlikihla., Obolekayo Kumele uqinisekise engenayo, izindleko inkonzo kuhluka ruble ngonyaka 0 kuya 750 (kuye ngokuthi ngabe wena ikhasimende njalo yasebhange noma cha). Classic Sberbank izinhlobo zamakhadi kanye nokugcinwa izindleko, izithombe esiye enikeziwe, kukhona ezimbili zama - Visa Classic futhi MasterCard Standard. Ngamunye wabo inikeza, njengoba kushiwo ku-website yayo, isethi kahle amasevisi. It has konke ukuthi kungaba kudingekile iklayenti, futhi akukho okunye. Yebo, futhi akudingeki ukuba akhokhe.

abalingani yekhadi lesikweletu

Sberbank kusadingeka ikhadi, uhlobo izindleko zokuletha (izilinganiso siliqinisekise) ukuthi zehluke isethi eziyisisekelo. Lokhu abalingani ikhadi. Okwamanje, kunezinhlobo ezimbili kuphela - ibalazwe Isikhwama "Ukuphila" futhi ibalazwe "Aeroflot". Inhlangano yokuqala ukwenza ukudluliswa kweemali etholakele amakhasimende inkonzo, ngenxa izingane iyagula. Eyesibili ikuvumela ukuba hhayi kuphela ukuthatha izimali ezibolekwe uzikhokhele ukuthenga, kodwa futhi uthole ibhonasi amamayela esihamba emhlabeni wonke esikhathini esizayo.

debit card

Kukhona amanye amakhadi we Savings Bank, izinhlobo nokubaluleka okuyinto lihlukile isikweleti. Lokhu lasebhange, ngokuyisisekelo engesiyo ukuboleka izimali ebhange, futhi ekwenziweni imali yabo kwi-akhawunti.

Izinzuzo zalezi amakhadi amaningi. Okokuqala, kuyindlela elula yokukhokha. Ngakho ungakwazi, isibonelo, ukudluliswa kwemali kubantu ekukhokheleni izimpahla noma amasevisi, kanye ukuthatha ezezimali ngendlela efanayo. Okwesibili, ikhadi ikuvumela ukuba ulondoloze imali. Isibonelo elula: uma ulahlekelwe isikhwama, ukubala lokuthi uzokwazi ukuze ibuyisele le mali kwesokunxele khona, kungaba ukuzikhohlisa. Nakuba ukulahlekelwa ikhadi ukukhiya ke ngokwanele futhi uthole elisha. Okwesithathu, amakhadi debit nama-akhawunti asebhange avumele ukuba azale ande imali. Izikhungo zemali zikhokhelwa kumaphesenti athile ngenxa yokuthi uqhubeka imali yakho nabo. It iyahlukahluka kuye ngokuthi hlobo lwekhadi.

ukukhokha

Yini, izinhlobo ezinkulu yebhange debit card iyatholakala ku Savings Bank. Isigaba sokuqala - senzelwe ukubala, ezifana Visa / MasterCard Virtual, a esikhokhelwa Visa Classic, kanye osheshayo ikhadi Ukukhishwa Momentum. Eyokuqala Luhle kwe-inthanethi - ikhasimende akusho ngisho kudingeka ukuthole kuleli fomu, kungaba ukuphatha ikhadi idatha kuphela; okuqukethwe ikhadi enjalo kungadla ruble 60 ngonyaka. Esikhokhelwa ikhadi plastic siklanyelwe yona umuntu esikhundleni isizumbulu semali. KuLo uzokwazi ukukhokhela noma yimuphi umkhiqizo esikhathini esizayo. Kepha Momentum amakhadi, ke kuphawuleka umklamo okusheshayo, ie inqubo lula.

nezinye izinhlobo

Usese ikhadi intsha, amaphesenti angu-10 okuyinto ngesimo amabhonasi ku-akhawunti ekhethekile, futhi nomphakathi - kwabahola impesheni. Lesi sakamuva inezici ezithile ezikhethekile. Sberbank ikhadi okunjalo (uhlobo izindleko amasevisi ngabantu abadala zihlukile) unikele kule mibandela elandelayo. Isondlo khulula lapha. Kumephu, ungakwazi kalula ukudweba yempesheni esiphethweni. Ngaphezu kwalokho, ibhange okhokhela 3.5% ngonyaka emalini okungukuthi ku-akhawunti.

Khumbula ukuthi konke amakhadi Savings Bank (izinhlobo zamakhadi ekhishwe, izimo ukuthola) imininingwane kwi website esemthethweni, ngakho lapho ungathola ukwaziswa kwamuva.

Ngizothanda futhi ukuba uqaphele Classic ikhadi. Lokhu Visa Classic futhi MasterCard Standard (njengoba kwaba njalo endabeni ka-credit). izindleko zabo impela high - 750 ruble ngonyaka. Enye kungase kube nge Visa Electron (iyatholakala ukubhaliswa Savings Bank of ikhadi). Amafomu izindleko zokuletha "Visa Electron" yilena elandelayo: lapha ikhadi 1 kuphela (vele ukhethe hhayi noma yini enye); Isondlo ayibizi - ruble 300 kuphela. Ngenxa yalezi izindlela umsebenzisi ithola ububanzi eziyisisekelo amasevisi ebhenki.

Ekugcineni, uqaphele amakhadi kanye nabasebenzisi ephezulu isimo. Lokhu Igolide nePlatinum ngu Visa and Mastercard. Izikhungo kufanele ruble 3 kuya kwezingu-15 ngonyaka, kusukela mikhiqizo isihambile ongakhetha (Ukuvikelwa okuthengile, umshwalense, ukwesekwa phesheya, nokunye).