Credit card umkhawulo wesikweletu - kuyini?

Cishe zonke yasebhange inikeza credit card, okuyinto inomkhawulo. Obolekayo bangasebenzisa imali, khona-ke kumelwe ubuyele kubo ngesikhathi. Umkhawulo ngokuvamile evuselelekayo, ngakho ikhasimende singakhipha imali nge ikhadi futhi. Kuyinto elula kakhulu ngoba ungasebenzisa imali ngesikhathi esilungele. Awudingi ukuqoqa imibhalo akudingeki uchithe isikhathi esiningi. Kodwa uma unayo i-credit card, ama-credit umkhawulo Angashukumisela on ukuthenga ukuthi awadingekile njalo.

On umkhawulo wesikweletu

Kuyini kumkhawulo loan? Lena imali okunikezwa yibhange iklayenti lisetshenziswa njalo. Ngemva kokuthola umkhiqizo yasebhange kakade unendlela, ngakho lo muntu obolekayo angawususa ukheshe noma ukhokhele ukuthengwa. izikweletu Buyisela kuyadingeka ngesikhathi ukuze ugweme ukuhlawuliswa owengeziwe.

Cishe zonke isikhungo sezezimali inikeza isikhathi somusa, kuhlanganise "Privatbank". Credit card umkhawulo angase abe mancane ekuqaleni, azosetshenziswa yiklayenti izinsuku 50-60 ngaphandle kwenzalo. izimo ezithile kuwo wonke amabhange zingahluka. Uma kahle ukusebenzisa isevisi ke ikhasimende unethuba ngokunenzuzo ukwenza imali noma nini.

Lapho ukugwema kusho esikhathini enqunyiwe kwenzeka ezicela. Le sevisi kuphela ikhadi lesikweletu. Isikweletu esingu- umkhawulo zingandiswa nge sikhathi, kodwa inqunywe isinqumo ebhange.

Unlimited

With ukuthengwa ikhadi iklayenti unikezwa umkhawulo, kungenjalo akukho ukukhululwa. Kodwa kukhona ikhadi ukulinganisela zero. Ngokuvamile ibekwa abadonsi. Ngokwesibonelo, umkhiqizo ezifana Visa Platinum "BIN". On izici of yokusetshenziswa nokunakekelwa kuyadingeka ukuba ufunde kokuhlangenwe abasebenzi isikhungo.

Leli khadi kubhekwa debit-credit, elitholakala ngokushesha. Ngo elikhiphe yakhe ayikho imali. Ezinsukwini ezimbalwa ezedlule ngesinqumo ebhange enikeziwe lemali ethile, lokho azokwazisa ikhasimende nge-SMS noma ucingo. Khona-ke ozuza isimo ikhadi lesikweletu. Lokho sinjalo ibalazwe "Ummbila", "Euroset" kwenza kube nokwenzeka kahle ukuhlela izimali ezibolekwe.

yosayizi

Ibhange usetha umkhawulo kuya solvency iklayenti sika. Nalapha futhi, is kunakwe inkokhelo. Uma ikhadi lesikweletu iye ikhishwe ukuze iklayenti, umkhawulo wesikweletu zingandiswa nge sikhathi. Lokhu kuthonywa ngcono solvency. Ngokuvamile olunikezwa izinkulungwane 50-100. Ruble.

Lapho ikhasimende akuyona kuphela, umkhawulo enqaba. imithetho Ukubalwa e ebhange ngamunye uhlukile. Njengomthetho, inkokhelo akufanele bube ngaphezu kuka-25% imali engenayo. Qiniseka ukuba acabangele zonke izindleko iklayenti sika. Ngezinye kumkhawulo ubukhulu nemphumela imishini ephethwe impahla okuqukethwe.

Ukukhuphula umkhawulo

Uma une-credit card, umkhawulo wesikweletu zingandiswa. Ngo lomfula ibalwa ehlukile. Ngokwesibonelo, iklayenti oletha isicelo, isitatimende engenayo, idokhumenti ku impahla, "VTB 24". Ukucutshungulwa isicelo ithatha akukho kuka 3 izinsuku, ngemva kwalokho isinqumo senziwe.

"BIN" kuthatha isinqumo sakhe ukwandisa inani uma amaklayenti ukusebenzisa futhi ibuyisela imali ngaphandle ubuhlongandlebe. Ngakho-ke, kungenzeka umkhawulo landa ngesikhathi:

• ukuhlinzekwa kwemibhalo;
• ukusebenzisa njalo izimali.

Ngazi kanjani umkhawulo wesikweletu?

Ukuze uthole ukuthi ubukhulu isamba enikeziwe, ungasebenzisa kukho okulandelayo:

• kumele batetayete inkontileka ukuthi wakhishwa lapho uxhumana nebhange;
• enanini elihlongozwe irisidi kusukela ATM;
• ikhasimende ingakhipha umyalelo isitatimende sasebhange;
• kukhona elula amasevisi ebhenki inthanethi.

izindlela ezinjalo ziyatholakala ikhadi ngalinye, kufaka nebalazwe "Ummbila." "Euroset" linikeza ithuba lokujabulela ehhovisi yangasese. Njengoba kulula ukwenza izinkokhelo ahlukahlukene nokudluliswa.

ebanjwayo

Inani kungenzeka kuphela senyukela kodwa encishisiwe. Lokhu kwenzeka uma:

• It has izikweletu ezivelele;
• kukhona ingozi izikweletu.

Lokhu kwenziwa kwimodi eyodwa emaceleni, njengoba kukhonjisiwe inkontileka. Uma wayefisa, ikhasimende unethuba inciphise. Ngokwesibonelo, lanikeza ruble 300,000, futhi iklayenti Akayisusi imali futhi besaba ukuphelelwa ikhadi. Wabe ungenza isitatimende, futhi phakathi nayo wacela ukuba inciphise izimali lemali oyifunayo. Ukunikeza umkhawulo yenkonzo ezuzisayo ngoba akudingeki ufune, lapho, uma kunesidingo, ukuboleka imali. Kuyinto kudingekile kuphela ngesikhathi ukubuyisela izikweletu.