Salary amakhadi VTB 24: ukubhaliswa kanye nezinzuzo

Abaningi credit izikhungo sipho iphelelwe yisikhathi namuhla for kwabasebenzi amaklayenti zohlelo. Ngokwesibonelo, umkhiqizo owodwa enjalo isebenza ebhange Russian ezinkulu VTB 24. Ukuze uthole ukwaziswa sendlela vula amakhadi iholo VTB 24, yokuxhuma intanethi yebhange, overdraft, kanye nezinye izinto eziningi, kuzoxoxwa ngakho esihlokweni sethu.

Yimiphi imikhiqizo ku kwabasebenzi ka VTB 24?

Salary amakhadi - lena esiyingqayizivele yasebhange umkhiqizo, ezisebenza ngesisekelo inkokhelo "Visa" izinhlelo international futhi "MasterCard". Ziyakwazi kulula ukusebenza ngenxa ezimali amabhizinisi ezinkulu kanye nezincane, njenganamuhla ucezu plastic futhi kukhona ukudluliselwa inkokhelo futhi kusengaphambili. Ngamanye amazwi, idatha ibalazwe zifane lasebhange, kodwa ikhono uthole kuso iholo.

Okwamanje, kwabasebenzi amakhadi VTB 24 ekhishwe lezi zinhlobo ezilandelayo:

• "Standard";
• "Classic";
• "Igolide";
• "IPlatinum".

Ngaphansi kwamiphi imibandela evulekile yasebhange ikhadi?

Ngamunye zilwane yamanani ayo kanye zikhathi omuhle. Ngokwesibonelo, ikhadi "Standard" futhi "Classic" setha umkhawulo wayo wosuku ku cash Ukuzihoxisa ngaphakathi akukho ruble abangaphezu kuka-100 000. Amakhadi Class "Igolide" - ruble 200,000, futhi "Platinum" - ruble ayizigidi 300. Ukuze ufunde indlela ukuvula kwabasebenzi amakhadi VTB 24, sizoqhubeka.

Kuyaphawuleka ukuthi ngokuvamile izimo ngokusebenzisa kwawo encike ngqo kwi ezihlukahlukene sivumelwano yasebhange, kanye Inani labasebenzi ohilelekile.

Ngingayithola kanjani ukuvula?

Ngaphambi ukukhipha kwabasebenzi amakhadi VTB 24, inkampani noma inhlangano ukuba isayine isivumelwano ukubambisana ne ebhange. Okunye futhi unesithakazelo inkampani ngokubambisana Kumele ukhethe efanelekayo project yakhe iholo futhi uhlobo credit card, okuyinto kamuva izosetshenziswa izisebenzi zayo.

In the isinyathelo esilandelayo abameleli asebhange, bavame ukuza inkampani noma inkampani ngokuvamile tshela abasebenzi nge amakhadi kanye zezinsiza. Ngemva kwalokho ahambe e-Accounting edingekayo (ngenani abasebenzi kwenhlangano), inani lwemibuzo zaneliswe isisebenzi ngayinye. Ukuze ugcwalise lezi amashidi, imibuzo, kumele ube ipasipoti ikhodi ukuhlonza.

Ngemva kwalokho ezimali ukuqoqa imibuzo futhi uzifeze VTB ikhadi 24. Okuqukethwe iholo kanjalo ngamunye oqashwe inkampani yingxenye yale project iholo isikhungo sezezimali.

Qaphela: amabhizinisi enkulu yezimboni kubutsela imibuzo ngokuvamile bahlanganyele ngokwabo abameleli ebhange.

Kanjani futhi kuphi?

Thola ikhadi plastic kungenzeka ukuvakasha siqu ebhange nge passport. Noma isibopho ukukhipha "plastic eziyigugu" oba emahlombe ibhizinisi noma inhlangano accountants munye ngamunye ngamunye isisebenzi ikhadi iholo esikhishwe VTB 24. Imigomo nemibandela reception yayo ziyancipha ukuze isethulo ipasipoti ngisayine lokunika "plastic".

Kuthatha isikhathi eside kangakanani?

Kusukela ngesikhathi yokugcwalisa lemibuzo futhi ukuze uthole ikhadi aluphumeleli isikhathi esiningi. Njengomthetho, kuba 2-3 (akuvamile 4) amasonto.

Lapho ezinwetshiwe card, lapho hhayi

Ekupheleni kwethemu yayo kukhona sokuvuselela futhi othomathikhi kabusha udaba. Uma umqashi wakho siphelise inkontileka nebhange, noma uya enkonzweni kwesinye isikhungo credit, isevisi okwesikhashana we "plastic" VTB 24. overdraft ekhadini iholo, imibandela ukubhaliswa kwaso kanye nokusetshenziswa zichaziwe ngezansi.

Ngubani lokhokhela amakhadi futhi inkonzo yawo?

Ukuze ngaphambilini ngesikhathi amakhadi asebhange futhi inkonzo yawo ngokuvamile ikhokhwe ngumqashi. Nokho, uma inkampani yakhe sichithiwe umsebenzi lapho ihlela ukuqhubeka usebenzise amakhadi iholo VTB 24, uzoba Shell out yemali yonyaka ruble 150 kuya 2500, kuye ngohlobo ekhadini evulekile.

Salary ikhadi VTB 24: overdraft

Phezu kokuthola "plastic" abasebenzi eziningi ibhizinisi eningi imibuzo ehlobene overdraft. Okokuqala kuyacaca. Overdraft - uhlobo loan micro, okuyiwona asikho isidingo ukuqoqa iqoqo ejwayelekile kwemibhalo ngoba amabhange bese sinikeza isitatimende engenayo VTB 24. overdraft ekhadini iholo (nemibandela wo hlinzeka sibhala ngezansi), kulesi simo, ivumela oyisebenzisayo ukuba "plastic" ukuze uthole le microloan, idlule imali esele yamanje ku-akhawunti yekhadi ngaphandle umzamo othe xaxa. Lapho kungadingeka?

Ake sithi kuze Iholo esilandelayo ngesonto, futhi Uphelelwe imali. Yilokho uma basisize ka overdraft.

Ingabe ibhange imali esayisebenzisa singenayo ekhadini kwabasebenzi ixhunyiwe?

Cishe bonke axhunyiwe overdraft. Thola ukuthi noma cha le sevisi kungenzeka nganoma iyiphi igatsha ebhange. Indlela uxhuma overdraft (VTB-24)? Salary ikhadi, uma uthanda, uxhumeke isevisi ngosuku olufanayo. Lokhu kwenzeka ku-isicelo futhi ipasipoti ngasiphi legatsha le isikhungo sezezimali. Ngokufanayo, emsebenzini noma ngaphandle kwe-uhlelo.

Kungaphansi kwaziphi izimo unikezwa i overdraft?

Kuye uhlobo overdraft ikhadi kwinani kuze kube ½ usayizi inkokhelo yanyanga zonke abasebenzi ibhizinisi. Ngokwesibonelo, umkhawulo abekelwe emaceleni we "plastic" "Standard", "Classic" futhi "Igolide" isesikhathini ruble 300 000. Emkhakheni "Platinum" lingakanani kuze ruble 750 000.

Ngu amaphesenti unikezwa i overdraft?

Imali ukukhokha, ungathatha 28% ngonyaka. Ngaphezu kwalokho, lolu hlobo micro-loans, ngokungafani credit cards ukuthi ezingeni akusho khona i inkathi kwenzalo. Ngakho-ke, kusukela ngosuku lokuqala ukusetshenziswa izindlela, futhi ngaphambi ekuvuthweni yabo yokugcina ibhange ukushaja iphesenti.

Indlela yokukhokha?

Ningaphindiseli izindleko overdraft ngokushesha ngangokunokwenzeka. Kungenjalo, ukusetshenziswa kwezimali waboleka luyokhula imali efanele isithakazelo. Nokho, njengoba umthetho, senkokhelo imalimboleko lwenzeka ngesikhathi esilandelayo kwabasebenzi nakwabangenangqondo. Futhi imali yayo zafundiswa ikhadi ekuqaleni icala ennaya inani buyiselo kwezinhloso zenzuzo, bese - lonke izikweletu.

Endabeni ka kwemigomo yokukhokha ebhange iyaligodla ilungelo ukusebenzisa ukuhlawula umboleki i eyengeziwe 0.8% ngosuku izikweletu sekwephuzile ngayinye.

Indlela ukuxhuma yasebhange ikhadi lakho ku-intanethi?

Gada futhi ukwenza imisebenzi ekhadini yabo iholo zingenziwa inthanethi. Ngenxa yale njongo thina kusebenze yasebhange service. Lokhu kungenziwa ngosizo lochwepheshe credit inhlangano. Udinga ipasipoti inombolo yeselula.

Yini siyophetha ngokucophelela ngobuhle nangobubi bawo?

Thina ukuhlukanisa okulandelayo izinzuzo iholo VTB amakhadi 24:

• inqubo imvume elula;
• ithuba ukuze asule ikhadi amathilomu nezindawo zokudlela, izitolo;
• ukuthola kusukela abalingani yasebhange izaphulelo ezengeziwe ku sempahla ethengwayo;
• kungenzeka ukusebenzisa overdraft;
• ithuba iqhaza ezinhlelweni ukwethembeka ibhange;
• ukuphathwa ikhadi inthanethi;
• ithikithi ukubhuka;
• kungenzeka usebenzisa ikhadi phesheya;
• inkokhelo osheshayo mayelana nokuxhumana mobile, Inthanethi kanye Umbuso izikweletu;
• ukuqaliswa zonke ukuthengiselana ukukhokhelwa besebenzisa ephephile 3D ubuchwepheshe Secure;
• ithuba ukukhipha isikweletu esengeziwe izidingo siqu iphakheji ubuncane kwemibhalo kanye rates okukhethekile.

Phakathi bokwenza ekhadini ugqamise ezilandelayo:

• khona okusezingeni eliphezulu lenzalo ukusetshenziswa wesikweletu imali;
• ukungabakhathaleli nhlobo isikhathi entshisakalweni khulula;
• i-accrual kwezinhloso zenzuzo ngosuku lokuqala ukusetshenziswa imalimboleko;
• khona inhlawulo engeqile umkhawulo futhi izinkokhelo sekwephuzile;
• ukwesulwa umkhawulo wesikweletu nangabe isisebenzi ushiya inkampani - umhlanganyeli yephrojekthi iholo;
• isidingo ukukhokhela izinsiza ekhukhwini uma kwenzeka umngcele ukusetshenziswa ngokwengeziwe "plastic".

Kafushane, ukuklanywa ikhadi iholo VTB 24 ixhunyiwe kokubili nge eziningi zikhathi emihle nemibi. Ngakho-ke, ukuvulwa ikhadi efanayo, silalela futhi benze ngokuvumelana nezimo.