Kuyini Card Credit?

Ake sizame ukuqonda ukuthi yini ngempela ikhadi lesikweletu, omunye amabhange Russian ezikulo okhokhelwe, ngaphansi kwaziphi izimo. Ukuze ukuthoma ukuzwisisa bonyana akusikho nje ucezu eliphezulu epulasitiki kanye inkokhelo egcwele kanye settlement dokhumenti. Ezimweni eziningi, lokhu mkhiqizo uqobo, okungukuthi, udedelwe ungumuntu ongokoqobo. Ingasetshenziselwa njengoba ukuthengwa kwezimpahla ezihlukahlukene namasevisi e-Izitolo okudayisa, okuyinto zinama namadivayisi ezifanele (pos-ezikhumulweni).

Ukudweba nokusetshenziswa

kanjani likhokhele Framed ikhadi? Ngu uqobo, inqubo isicelo silula. A ezingaba umnikazi, uthintane igatsha ebhange kumele kube umhlali okungenani engu-18 ubudala, kodwa abekho abaneminyaka engama 60-65. Nokho, unikezwa kwenkululeko - imfuneko isilinganiso. Ngomqondo wokuthi ezinye izikhungo zezimali ukukhipha lamakhadi nge engu-21 nje. Kwenzeka ukuze aziyeki izakhamuzi abaneminyaka engaphezu kuka-58 ezilandelanayo. Njengoba umkhiqizo kuchazwa umkhiqizo line cishe zonke yasebhange, ezicashile kungaba kakhulu futhi ucabangele zonke ngesikhathi esisodwa akunakwenzeka.

Ngaphezu kwalokho, ama-credit cards wamabhange ikhishelwa amakhasimende ukwazi ukuqinisekisa ikhono lazo ukukhokha. Phela, njengalawo noma cha, kodwa sikhuluma omunye izinhlobo obolekisayo. Futhi lapha ababolekisi ungafuni mithi. Income futhi asikwazi ukuqinisekisa, kodwa ke kumkhawulo izimali zitholakala kanjani ukuze zisetshenziswe, kuyoba ngaphezu nesizotha. By the way, mayelana nomkhawulo. Noma yimuphi ikhadi lesikweletu "ohlanganiswe" ku-akhawunti ethile ikhadi. Lokho kusho ukuthi ubeke umkhawulo kwezimali. Ungayisebenzisa kokubili ngokuhamba yokukhokha izimpahla nezinkonzo, futhi ukhipha imali ATM.

Yiqiniso, uma kukhona izikweletu, kuthatha ngenyanga ukukhokha inzalo ebhange ngoba ukusetshenziswa kwezimali bese ubuyela umzimba imalimboleko. Ngakho kuqala ukuya imali umbolekisi, futhi owesibili ebuyiselwa akhawunti yekhadi. Uma sikubeka kalula, iklayenti onenkinga uvuseleleke wesikweletu, angasetshenziswa kuze kube phakade. Kunalokho, phakade.

Manje into esemqoka: noma ikhadi lesikweletu kungazuzisa? Yebo, yebo futhi yebo.

Okokuqala, kukhona into enjalo njengoba isikhathi somusa noma isikhathi somusa. Uma okwesikhathi esithile ukubuyela yonke imali ethathwe ebhange, iphesenti ukusetshenziswa kwabo lizokhokhiswa. Nokho, abanye izikhungo zezimali, bavame ukusetha rate, okuyinto ethatha ngaphakathi kwesikhathi somusa. Nokho, usayizi waso - ngokuvamile 0.01% ngonyaka - kungase kubhekwe njengokwelapha luyingxenye ongokomfanekiso. Nokho, akufanele uphumule: 'lilitshalwe' ekuvuthweni ruble 20-50 angase kamuva yinto enkulu. lokukhohlwa kusiza ukuxazulula inkinga isevisi ye-SMS-isaziso akhawunti ukunyakaza, Internet Banking, kanye isitatimende sanyanga zonke.

Okwesibili, i-ezithile abanikazi plastic iholo, futhi bacabange ababoleka Fide credit card (Savings, ngenhlanhla abadumile kanjalo) esikhishwe ngaphansi kwezimo ezimvunayo. Eyokuqala akudingekile, isibonelo, ukuqinisekisa amazinga okuphila kwabo. Ngaphezu kwalokho, labo futhi abanye kukhona ekhethekile zenzalo yokuzigcina ukuboleka.