Igolide Card, Sberbank ukubuyekezwa. Golden Credit Card Savings Bank: Imibandela

Sekuyisikhathi eside i-ubani akuyona imfihlo ukuthi ngaphansi kwezimo ezimvunayo kakhulu ku amakhadi esikweletu olunikezwa Sberbank. Igolide lesikweletu ngenye imikhiqizo inzuzo kakhulu futhi ukunikeza amakhasimende nelungelo.

ulwazi olujwayelekile

Golden Credit Card Savings Bank umkhawulo ku-esiphezulu umkhawulo wesikweletu. He is ruble ayizigidi 600. Izinga lenzalo yemali mboleko ku 23% wabo. I-annual inkonzo Imali ruble ayizigidi ezintathu.

Ngokuqondene Commission, ingabe nse yezinye izinhlobo zamakhadi - 3%, kodwa hhayi ama-ruble angu ngaphansi kuka-400. Esiphansi senkokhelo nyangazonke amahlanu amaphesenti angu izikweletu Imininingwane. Igolide Card (Savings Bank) has Izibuyekezo ezinhle kakhulu kusukela ukusetshenziswa kwalo kunenzuzo kakhulu kumakhasimende.

Lapho befaka isicelo Ukukhishwa credit card, izobonwa ezinsukwini ezimbalwa.

Ubani ingase inikwe i-credit card enjalo?

Ukusetshenziswa Gold Card Savings Bank - yebo, kungcono inzuzo, kodwa ukulithola, hhayi bonke. Ukubeka ngokwayo ikhadi ezinjalo, umboleki kumele okungenani ube neminyaka engu-21 ubudala futhi ineminyaka engaphezu 65. Futhi, kumelwe ukuba wenza okuthile ukuze okungenani unyaka wonke hhayi ezingaphansi kwezinyanga eziyisithupha endaweni yokugcina.

Lapha, qiniseka ukuba banake yokuthi uma ungatholi amaholo ku Savings Bank, uzodinga ukuqinisekisa isitifiketi umholo wabo, kanye umsebenzi izinga - ikhophi yerekhodi umsebenzi.

Sberbank Gold Card Imigomo yokusetshenziswa amakhasimende oyithandayo

Okubizwa ngokuthi izigaba nelungelo amakhasimende ngesikhathi Savings Bank abhekwa amalungu amaphrojekthi iholo, abanikazi debit card abavamile, abanikazi imali, kanye abantu asebavele ezinye credit.

Lezi zigaba amaklayenti, ungakwazi ukubala ngokuphepha lokuthi isiphakamiso sokuba ikhadi Igolide isivele pre-elivunyelwe. Kulesi simo, udinga nje isicelo nge passport, ukukhipha bese uthola ikhadi Savings Bank.

Igolide credit card unesinye kwalokho nice - encishisiwe senzalo ka 17,9% ngonyaka, asikho isidingo sokukhokhela nokugcinwa yonyaka kanye esiphezulu wesikweletu. Kodwa ngaphambi kokuthola ikhadi namanje kudingekile ukuze uthole kabanzi izimo ngaphansi ngalo kunikeza Sberbank. Igolide credit card ongaxazulula izinkinga eziningi nge cash flow kanye nesidingo ukuthola imali ukuthenga enkulu.

Yiziphi izinzuzo Gold Card?

Uhlelo lwamanje izaphulelo for abanikazi of premium amakhadi

A ezihlukahlukene amabhonasi abanikazi amakhadi Igolide ekilasini ziyatholakala ku main hhayi Sberbank, futhi ngandlela-thile yokukhokhelana.

Ngokwesibonelo, "Visa" uhlelo lokukhokha ikhadi kwenza umnikazi walo ukubamba iqhaza "Umhlaba amalungelo" Uhlelo, ezisebenza ayizinkulungwane 20. Amaphuzu emhlabeni wonke.

Lapho ekhokhela ukuthenga usebenzisa ezahlukene Igolide Sberbank ikhadi evela kumnikazi ikhadi abalingani hlelo ngeke kuphela uthole isaphulelo omuhle, kodwa ezihlukahlukene izincomo, amabhonasi kanye Izipesheli.

Uhlelo lokuthembeka "Siyabonga kusukela Sberbank"

Lezi amabhonasi anikwa abanikazi kakade ngqo Sberbank (eyodwa ibhonasi ilingana dollar elilodwa isaphulelo). Ezinyangeni ezintathu zokuqala emva iklayenti esayina i ohlelweni lwethu, ngeke uyasho ukuthi akhawunti ibhonasi 1.5% ngokuthenga ngamunye. Ngemva kwalesi sikhathi, inani lamaphuzu lehla 0.5%.

Eziphuthumayo cash ukuhoxiswa uma ikhadi elahlekile phesheya

Uma kwenzeka lapho iklayenti phesheya futhi ngeke, nganoma isiphi isizathu, uthole imali kusuka ekhadini lakho (ukweba, ukulahlekelwa noma ukulimala), izimali e lemali zamadola ayizinkulungwane eziyisihlanu kungenziwa ikhishelwa umnikazi imali credit card. Kulokhu, ayikho imali ngeke ukhokhiswe.

Kuyinto lezi zinzuzo anganikeza Gold Card (Sberbank). impendulo kwamakhasimende kubonisa ukuthi ukusetshenziswa kwezinhlelo ezinjalo ngempela elula kakhulu futhi kube okuzuzisayo.

Yiziphi ezinye izindlela kungaba "igolide" credit card?

Ngaphandle ukuthi Savings Bank inikeza ukusebenzisa Gold credit card, wayesalokhu ushiye kobrendigovyh ezintathu izinhlobo zamakhadi: ngokuba izindiza, ukukhuluma kanye abahluphekile.

1. Map indiza, eyaziwa nangokuthi i-Visa Aeroflot Gold. It ivumela umnikazi wawo ukuba wamukele kuzo zonke ruble amathathu, esichithwe ikhadi, 1.5 amamayela. Ngemva kokuziphatha kuthengiselana sokuqala ngqa ekhadini namanje icala ibhonasi wamukelekile we elingamakhilomitha ayizinkulungwane. Lezi amabhonasi kungenziwa kalula umklomelo isaphulelo ngamathikithi kusukela inkampani "Aeroflot", noma ukwandisa isigaba yesevisi. Igolide Ikhadi Savings Bank nebubi kulesi simo, futhi, ine. Uma uthola ikhadi kobrendom iklayenti silahlekelwa nayithuba lokuthola iqhaza kuhlelo ibhonasi "Siyabonga kusukela Savings Bank."
2. Uhlobo lwesibili kwekhadi, onesihloko esithi "Amaphuzu Ukukhuluma" lutho kodwa ikhadi MasterCard Igolide MTS. Nangu uhlelo efanayo ukuthi uhlobo odlule kwekhadi. Isizathu salokhu siwukuthi yonke ruble amathathu ezicela eyodwa ibhonasi iphuzu, futhi operation wokuqala kunikezwa amaphuzu 600. Lezi zipho kungaba mnandi ukuchitha emilayezweni khulula, ukukhuluma imizuzu isikhathi, i-Internet kanye nangale.
3. Kepha esiza abantulayo, khona-ke has a uhlobo oluthile ikhadi ibizwa ngokuthi "Nikeza ukuphila» Gold. Lapha, ngamunye ephelele ukuthenga 0.3% uzobe emalini esikhwameni sokusiza abantulayo. Futhi, ingxenye yezindleko yonyaka yesondlo iyadonswa ngezindleko zakhe siqu.

Kubalulekile ukukhumbula ukuthi noma yimuphi ikhadi, okuyinto co-imikhiqizo, kuyinto kancane ezibizayo kunokujwayelekile. Imali yonyaka ukuze ruble 500 ngaphezulu, futhi kuba ama-ruble ayizigidi ezintathu. Ingenye ethile ezingemnandi, has a Gold Card. Sberbank impendulo kulesi hlobo lwenkonzo ithola ngenye indlela ehluke kakhulu. Othile kungaphazamisi okusezingeni eliphezulu yesondlo yonyaka, futhi othile akayithandi.

Ukungaboni ngaso "igolide" amakhadi kusukela "zakudala"

Okokuqala, kuba inani lenzalo. Ngokwe- "igolide" iphuzu imephu omunye ngaphansana yakudala. inkonzo Lonyaka ihluke kakhulu. Ngokusho uhlobo lokuqala ikhadi kuba ama-ruble ayizigidi 3-3,5, kanti eyesibili - ruble 750 kuphela.

"Igolide" credit card kungenziwa ikhishwe kuphela ababoleka nge efakazelwe okusezingeni eliphezulu engenayo nyanga zonke, noma amakhasimende njalo ebhange. Classical ikhadi efanayo akanayo iningi amalungelo atholakala abanikazi Kwekilasi Igolide ikhadi.

Sberbank izimo Igolide lesikweletu obhekene naso sehlukile kuleso classical. Kodwa-ke, kunengqondo. Kusukela ibalazwe elinjalo lingenza has a isigaba ephakeme, futhi kuba imikhawulo elingaphezulu kakhulu kwaleli.

Lokho kungaba ukunikela kwamanye amabhange?

VTB 24

VTB 24 inikeza kukhethwa eziyisishiyagalombili izinhlobo "igolide" imali yamaphepha, kusukela version standard, kokuqeda umkhiqizo co-branded. Ukuba lesikweletu ebhange, kungaba yinzuzo ukuya nezinkampani Railways "Transaero" futhi "Yuteyr".

Ngokuphathelene imigomo abekelwe yona yokubhaliswa, zingabantu cishe izakhamuzi zaseBosnia zifana kusuka Sberbank aqine. Futhi, cishe nsé senzalo. Kodwa umehluko sisekhona.

Ngokwesibonelo, nokugcinwa wonyaka amakhadi VTB 24 kuyinto ruble ayizigidi ezimbili onyakeni wokuqala kanye ngayinye okwalandela - anamane amawaka. Ngokuphambene yokuthi ayizinkulungwane ezintathu kuphela kuwufanele Gold Card Savings Bank. Okumbi lapha zisobala.

Bank "Standard Russian"

I "Russian Standard" umugqa "igolide" lesikweletu mncane futhi ezinhlanu kuphela izinhlobo zamakhadi. Bavumela izaphulelo ezinkulu ukuze bathenge izimpahla kusukela yabakwa "Okusajingijolo", ukuthola amabhonasi ku WebMoney esikhwameni bese usebenzisa ezihlukahlukene nezaphulelo basketball club UNICS.

Lapha-ke, kufanele kuqashelwe ukuthi inani lenzalo ekhadini ebhange iphezulu kakhulu, ngamaphesenti angu-29 ka-esiphezulu. Kodwa, naphezu kwalokhu, banalo umkhawulo wesikweletu ephakeme futhi zokhahlamba kusuka ruble 750 kwezigidi ezingu ayizinkulungwane komunye.

Njengoba izimo design, ubufakazi engenayo kungadingeki, njengoba ikhadi ikhishwa kumadokhumenti ezimbili kuphela.

Alfa-Bank

Alfa-Bank amakhasimende ayo kukhona izinguqulo ezihlukahlukene eziyisithupha "igolide" amakhadi.

Futhi phezu amakhadi ungathola izaphulelo ezinkulu, kukhona izinhlelo ngempela ehlukile amaklayenti. Ngokwesibonelo, i-credit card enegama 'izinsuku 100 ngaphandle kwenzalo Igolide »ivumela umnikazi walo ukusebenzisa izimali ebhange ngaphakathi umkhawulo amiselwe izinsuku eziyikhulu ngaphandle kwenzalo. Kucatshangwa ngakho konke lokhu okwesikhathi eside enjalo isikhathi somusa awasebenzi kuphela non-cash ukuthengiselana, kodwa futhi ngoba cash Ukuzihoxisa.

Umkhawulo ophezulu wezinga lenzalo kwi "igolide" ikhadi lesikweletu kusuka Alfa-Bank kuyinto 33% kanye ubuncane - 18%.

Isikhathi somusa ngokuvamile ezingu-60, kodwa kumkhawulo omkhulu kodwa enamandla eyizinkulungwane ezingamakhulu amathathu.

Kuwufanele ethi Umklamo "igolide" credit card Kwenziwa ngokunikeza imibhalo emibili kuphela. Kulokhu, ubufakazi engenayo akudingekile. Lokhu kungenziwa uma ufuna ukubona inani lenzalo njengoba low ngangokunokwenzeka.

isiphetho

Ngokuvamile, beka igolide credit card in the Savings Bank kungaba yisiphi iklayenti, abazokwazi ukuqinisekisa imali yabo futhi baqashe. Kodwa izimo kakhulu kuyoba kuphela amakhasimende elite: amalungu amaphrojekthi iholo, bezimali kanye labo babe umlando omuhle credit.

I nelungelo isigaba amakhasimende kalula ukubala esiphezulu umkhawulo ikhadi kanye aphansi isilinganiso senzalo, kanye ukungabakhathaleli nhlobo yesondlo yonyaka.

Kufanele kuqashelwe ukuthi, kubo bonke amabhange okufakiwe ukusekela imali yabo kuphela ucela Sberbank. Futhi, naphezu kweqiniso lokuthi imigomo amakhadi kancane elibuhlungu, kulula kakhulu ukusebenzisa futhi inzuzo. Nayi Gold Card elula. Sberbank izibuyekezo lo mkhiqizo uthola omuhle ezingaphezu kuka omubi, ukuze ukusetshenziswa ikhadi okunjalo iyevakala, yize izindleko aphezulu yesondlo yonyaka.