Izimali, Nokubonga

Ngingaba imali lesikweletu ngaphandle myalo? Credit card: Izibuyekezo

Cishe wonke umuntu namuhla has a credit card esandleni, ngomqondo ongokomfanekiso, "uma kwenzeka nje". Leli yithuluzi Ukugunda ngokuthenga yasebhange lula ezitolo, futhi intanethi. Kungenzeka yini ukuba imali nge-credit card, ungayikhokhele ngesithakazelo?

Yiziphi amaphesenti

Noma yimuphi inhlangano yezimali akasoze sokuqhuba ukulahlekelwa, Ngakho-ke, ukudala imikhiqizo credit, ngisho ngaphansi kwezimo ezimvunayo kakhulu iklayenti, ibhange uqobo akusho ubuhlungu. Kungani kukhona ikhomishini futhi isithakazelo ngoba ukusetshenziswa amakhadi?

Okokuqala, nokugcinwa kokuthula ATM nokukhokhwa kwezintela iqashwe akuyona ezishibhile, amabhange eziningi kangaka bakhokhise cash Ukuzihoxisa per cent, nge ezinye izinhlangano, bakwazi ukufinyelela 10%. Okwesibili, ukukhiqizwa kanye nokugcinwa ikhadi futhi kudinga izindleko ezithwalwa ebhange, ngakho-ke ngokuvamile sezimali kuthatha ikhomishini noma Ukukhishwa ikhadi, noma ngenxa yokulungiswa yayo ngesimo imali nyangazonke noma yonyaka.

Kodwa lezi umehluko wemisindo nemiqondo yamagama amabhange isinxephezelo yokuthi iphesenti ingathathwa ngesikhathi ekhokha ngokuthenga noma amasevisi Umbuso indawo, kanye umsebenzi ezitolo nasezindaweni lapho ukukhokha yeselula.

Ngaphezu kwalokho, wonke amabhange ukunikela isikhathi entshisakalweni mahhala usebenzisa ikhadi lokuthenga ngesikweleti. Zingaba kusukela ezinsukwini 50 kuya ku-100. Uma kwenziwe singakapheli isikhathi esibekiwe ukukhokha izikweletu, imali ukusetshenziswa imali ebhange akuthathi.

Noma kunjalo, kungenzeka imali ikhadi lesikweletu?

Kanjani imali

Ukuze imali ebhange credit card kungathatha amaphesenti owodwa, bese eside. Kodwa zikhona ezinye tricks, wazi ukuthi ungakwazi ukuhoxisa imali ngaphandle kwenzalo.

Wonke umuntu ejwayelene wallets ngogesi "Webmoney", "Yandex", "Kiwi", njalo njalo. D. Kuyinto ngabo kungenziwa Cashed credit card. Ukudluliswa nengcosana futhi yebo ibhange sizosusa senzalo, futhi isevisi kuzothatha ikhomishana. Kodwa lokho eziqala ruble 3000, ungakwazi ikhadi lakho lesikweletu ngaphandle ikhomishana.

Okuwukuphela yokukhokhelana noma kunjalo ukuthatha iphesenti ukuthi imali zizodonswa i esikhwameni elekthronikhi. Kodwa lapha ukuzicabangela ukuthi ukunikeza 0.8% (izinhlelo ikhomishana lokukhokha), noma kusuka 3 kuya ku-7% (ikhomishini ebhange). Self isithakazelo imali okwesula lesikweletu kuncike nemibandela ebhange.

Kodwa, ngokuthatha imali ngekhadi lesikweletu, ikhasimende ibhange ukukhumbula ukuthi kulesi simo ngeke isinyathelo grace period, futhi kuyodingeka bakhokhe kokubili loan ezivamile. Credit card, okuyinto libuyekeza ikakhulukazi omuhle, njengoba iyithuluzi elibalulekile ngokungabi bikho kwezimali siqu kumele isetshenziswe ngokuhlakanipha, ngakho ungenawo akhokhe inzalo okusezingeni eliphezulu.

izipesheli amabhange

Ake sicabangele indlela ukuze zikhiphe imali amakhadi esikweletu amabhange ezahlukene.

igama ebhange

timo letisisekelo

"Tinkoff"

  • inani eliphansi imali 3 000 deda.
  • umkhawulo ku cash ukuhoxiswa kuyinto ayizinkulungwane 300. ukukuthinta. +% Map;
  • eseqile imikhawulo ibhange umangalela imali 2%;
  • ngenkathi kususwa esingaphansi 3 ayizinkulungwane. ukukuthinta. Ikhomishini kuyoba ruble 150.

ebhange yokulondoloza

  • ulethe ukheshi kuya isikhwama electronic, inani lemali elincane ruble 3,000.
  • ubheke imali ebhange ebhange imali (Ikhomishana inani 1.5%);
  • IKhomishana yokuThuthukiswa ukungazihlanganisi ATM Savings Bank - 3%, kodwa ruble hhayi ngaphansi kuka 390.
  • IKhomishana yokuThuthukiswa Ukuhoxiswa 4% ku ATM third-party.

"Alfa Bank"

  • Imali cash ukuhoxiswa kuncike hlobo lwekhadi futhi ngokwemigomo yesivumelwano, kodwa hhayi ama-ruble angu esingaphansi 500.
  • umusa-inkathi lapho ukhipha imali egcinwe;
  • Bank onikeza ngesevisi cashback kumephu ukuthengwa.

"VTB 24"

  • ngaphandle kwenzalo, ungasusa kuphela izimali zabo;
  • kuncike hlobo lwekhadi sokuhoxiswa iphesenti kuhluka 4.9 5.5%;
  • Ungakwazi ukudubula ruble okungenani 300.
  • umkhawulo ophezulu ngelanga hhayi ngaphezulu kuka-300 eziyinkulungwane.

"Ibhange lase-Moscow"

  • izimali zakho kungaba kuqashwe mahhala;
  • Imali ziyasuswa 3%, kodwa hhayi ama-ruble angu ngaphansi kuka-250.;
  • at ATM nezinye amabhange angawususa izimali kuya 1%, kodwa ruble hhayi ngaphansi kuka-150.
  • ibhonasi angabhekwa khulula udaba ikhadi.

"Standard Russian"

  • izindlela siqu ukuze siphume Kucatshangwa 1.5% kodwa hhayi ruble esingaphansi 150.
  • ngoba ephakamisa asizakale olunikezwa 4.9%;
  • I-cash ukuhoxiswa, ungasebenzisa ATM, terminals, wire ukudluliselwa;
  • Isikhathi ingagciniwe.

abanye Tricks

Kulabo njalo isebenzisa ikhadi, umbuzo othi "kungenzeka imali credit card" kuyinto ngempela nezokusigcoba.

Futhi ngokusobala, lawa abasebenzisi beveza abanye indlela uhlakaniphile ukugwema izimali ezinkulu futhi isithakazelo ngoba cashing izimali.

Nazi ezinye zazo:

  1. Thenga iyiphi into esitolo. Ngokomthetho ngamalungelo abathengi izimpahla lungabuyiselwa kungakapheli amasonto amabili ngaphandle kokunikeza izizathu. Ngemva ekukhokheleni izimpahla nge-credit card, lemali sokubuyisela singenziwa ngokheshi. Ngakho, iphesenti ukuthengwa ayikwazi ukususwa, kodwa ngemva kwesikhathi satholana ephaketheni unayo imali.
  2. Yenza ukuthenga esitolo online. Uma ukukhokha ngokuthenga nge-credit card yasebhange isithakazelo akusisusi. Ngokulandelayo, ngemva kwesikhathi esithile, ungakwazi oda yakho bese ucela ukubuyiselwa imali ekhadini lasebhange. Kodwa kulokhu, kuzodingeka silinde kuze kube izinsuku ezinhlanu zokusebenza.
  3. Umngane ukusebenzisa ikhadi lesikweletu ukuthenga. Kulokhu, umngane noma amaziyo yomnikazi okhokhela credit card yakhe ukuthenga nge-credit card enenzalo. Ngakho, umnikazi ikhadi uthola imali lemali elilingana.
  4. ukukhokhelwa umakhalekhukhwini. Ashona mobile yakho nge-akhawunti ye-credit card kuyinto isithakazelo khulula. Ungabese ukuhoxisa imali imephu abavamile. Kodwa kudingeka sikhumbule ukuthi operator mobile kungathatha iphesenti kwezinkonzo zazo. It kuvela ukuthi imali uzoya ikhadi lesikweletu ngaphandle ikhomishana, kodwa opharetha kuyodingeka bakhokhe.

Ngaphezu kwalezi izindlela zobuqili cishe ninezinto eziningi njengoba ukuze zikhiphe imali ikhadi lesikweletu nge amaphesenti ubuncane noma akukho nhlobo, kodwa ayikaziwa.

imigomo abekelwe yona yokubhaliswa

Uma wenza ikhadi umphathi yasebhange kungcono ukucacisa ukuthi kungenzeka ukuba imali nge-credit card, futhi yini iphesenti ke zizokhokhiswa eminye ugweme lezimanga.

processing credit card izimo ulula:

  • Obolekayo ungavakashela ihhovisi lebhange noma ugcwalise inthanethi ifomu kumephu.
  • yobudala Obolekayo kufanele libe phakathi kweminyaka engu-21 no-70.
  • Kufanele ube imali ekahle.
  • Obolekayo kumele babe esinikezwe imvume yokuba yisakhamuzi esifundeni, lapho udonsa ikhadi.
  • Kumele ukunikela ngemibhalo isicelo wamabhange. Ngokuvamile kuba passport wesibili kanye nobufakazi ungubani. Uma inani lemali kumephu omkhulu, ibhange ungacela ukuba isitatimende engenayo.

Ngokuvamile, njengoba kungabonwa kusukela izimangalo, zingabantu ezifanayo nalezo lingabeka noma yimiphi ebolekiswe ku-ukubhaliswa.

Izibuyekezo

Credit card, okuyinto libuyekeza ezihlukahlukene, athandwa kakhulu. Amaklayenti e-amabhange bathi lokhu kulusizo olukhulu ezimweni lapho imali kudingeka ngokuphuthumayo, futhi Iholo namanje kude.

konga kakhulu isikhathi somusa, enikeza yonke ebhange. It kuvela ukuthi imali ingasetshenziswa futhi akusizi sithunyiwe. imali kungaba zisuswe uma uthanda, kodwa lapha kubalulekile acabangele iphesenti inqubo.

Ngenxa ebhange liyabonakala kakhulu futhi ethandwa Sberbank manje-ke, ngokufanelekile, amaklayenti ibhange unombuzo: Ingabe Savings Bank ukuze zikhiphe imali ikhadi lesikweletu? Amaphesenti inkonzo? Ingabe esinhle ngemuva kokuhlinzwa?

Ngokusho ukubuyekezwa, impendulo iwukuthi lokhu inhlangano yezimali ikuvumela ukuba imali nge credit cards kanye ukuhumusha wabayisa wallets ngogesi. Esimweni sokuqala, uKhomishane uzokwenza ngeke isebenze phakathi 3% kanye grace period, okwesibili - uma lemali ngenhla ruble 3000, iphesenti zero, kanye isikhathi somusa lugcinwa ..

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