Uma kususwe imali ekhadini (Sberbank), yini okufanele uyenze?

Ngo 2013, i-Russia waba umholi eYurophu inani amacala okukhwabanisa nge amakhadi asebhange. Abantu uzama ukuthola usizo lwangempela esimweni ukuhoxa zokukhwabanisa. ERussia, lolu daba kulawulwa uMthetho Federal № 161 "Ngakolunye indlela yokukhokhelana ezweni." Isebenza kusukela 2011. Kodwa izinto ezibaluleke kakhulu ukuthatha nomphumela kuphela kusuka 2014. Umthetho uchaza ngekulandzelana kwetintfo letenteka, uma bakhishwe ikhadi lakho (Sberbank). Okufanele ukwenze kwasekuqaleni futhi ngubani ukuba uxhumane usizo?

Izinhlobo ukukhwabanisa

Uma echaza kafushane okushiwo umthetho, amabhange kumele ayinyuse Ukuvikelwa kwezimali amakhasimende. Kwaphela isikhathi eside le nkinga iye dengwane. Amabhange Bangene ibinzana sivumelwano ukuthi okwenziwe usebenzisa i-PIN, wemfanelo iklayenti. izigameko ezinjalo namanje. Abantu abaningi ukugcina sephepha PIN ku-wallet yakho kanye ikhadi. Lokhu kungukuphula esobala of zokuphepha. Futhi uma Ususe imali Savings Bank ekhadini, bese ubuyela esimweni ayikho enye indlela emuva.

Kodwa nabakhwabanisi ungakwazi ukushintshanisa imisebenzi yabo, ngisho ngaphandle isithwali plastic esandleni. Enough ukufunda yonke imininingwane ekhadini bese imali ngokuphepha. Namuhla kukhona lezi zinhlobo lokukhwabanisa:

• Ngekukha etulu. Abahlaseli ukufunda idatha kusuka umugqa ikhadi kazibuthe senziwa kanye Analogue yayo. PIN bona bafunda usebenzisa pads ku ikhibhodi noma mini-ikhamera. Khona-ke ukopishe bese cashing imali yenziwa.
• Ubugebengu bokweba imininingwane ebucayi. Uhlobo lobugebengu obuku-, lapho imikhonyovu ukwazi ukungena kwakho nephasiwedi umsebenzisi. Izigebengu ukuchitha ukuthumela ama-imeyili noma i-SMS nge isixhumanisi site enonya. Ukuchofoza ke, abasebenzisi ukunikeza kubaduni idatha ukufinyelela ku-akhawunti siqu iwebhusayithi yebhange.

Nakhu ukuthi ukubhala off the imali ekhadini.

Ukuvikelwa

Amabhange namanje ukuthatha izinyathelo zokuvikeleka ukuze uvikele amafa ikhasimende. Ekuqhubekeni konyaka odlule kakhulu isibalo sezikhungo amakhadi esikhishwe nge chips. Ziyakwazi ephephile. Lezi kanzima ukuthola impinda. ATM anemisila amadivaysi ekhethekile okuyinto ukuvimbela ukuthi kungenzeka kokufaka amadivayisi abathola. Futhi amakhasimende njalo waxwayisa ngokuthi abasebenzi asebhange ngaphansi kwanoma yiziphi izimo ungazami ukwazi i-PIN noma CVV. Kodwa ukukhwabanisa ukuthi luselude.

Sisuse imali ekhadini (Sberbank). Yini okumelwe uyenze?

Ukuze uqale ukwehlisa umoya ukungaxhamazeli. Zama ukukhumbula ukuthi wagcina nini ukuhoxisa izimali. Mhlawumbe kungcono isaziso ngasekupheleni. Noma remitted okulingana lemali amakhadi yesondlo inkokhelo yonyaka noma amasevisi Imininingwane ye-SMS. Uma kuvela ukuthi bantshontsha imali ekhadini, kubalulekile ukuba nesineke. Ukubuyela izimali lide kakhulu futhi kukhathaza, kodwa namanje ngempumelelo.

ushiya Omunye

Ngakho, ikhasimende wasuka imali ekhadini (Sberbank). Okufanele ukwenze kuqala? plastic Khiya. Ukuze wenze lokhu, shayela inombolo ibhange ucingo isikhungo. Ubhekisela ngemuva ekhadini noma inkontileka. Ngo-mbono, opharetha ukwazi inani ibhalansi akhawunti nakuyi yamuva. Prakthiza ebonisa ukuthi idatha efana avela kuphela izinsuku ezingu-2-3 ngemva kuthengiselana. Vimba ikhadi bese kungaba ebhange. Kodwa-ke kufanele uchithe isikhathi endleleni futhi prosizhivanie emgqeni.

isinyathelo ezimbili

Uma kusuka ingxoxo izisebenzi ngafunda ukuthi imali ekhishiwe kusuka ekhadini, kuyobe sekudingeka ukwenze lokho ngokushesha ukuya ehhovisi nokubhala isitatimende inselele kuthengiselana. Kufanele kubekwe ngokuningiliziwe zonke izimo, ukwenza isitatimende se-akhawunti kanye namanye amaphepha emvume eqinisekisa ubumsulwa ikhasimende ukuhoxisa izimali. Ngaphambi ezilandelwayo isitatimende kuwufanele ukufunda isivumelwano ebhange. Kufanele imumathe into ngamacala yokumelana, ukulandelana izenzo kanye nenqubo wokuxazulula izinkinga.

isinyathelo ezintathu

Uma ulahlekelwe ikhadi lakho, abameli ukuncoma bhala amazwi angase ashiwo emaphoyiseni. Izenzo ezinjalo lofanele kuvusa lezokuphepha yebhange. Ngo-mbono, amaphoyisa kumele avule icala lobugebengu kuqala ngesisekelo isicelo wathola ukususa ividiyo kusukela ATM DVR. Uma ubunikazi eyisakhamuzi lungaqalwa, kuba ubufakazi ukuthi izimali ashaqa umuntu wesithathu. Ekusebenteni, amaphoyisa kumele kuqala ukuthumela isicelo umzuzi ekusetshenzisweni kwezimali. Le nqubo kungaba eziyinkimbinkimbi uma umemukeli akuyona ikheli yokubhalisa. Imibuzo nge-imeyili iziphathimandla komthetho musa ukuzivocavoca.

isinyathelo ezine

Yiba nesineke futhi ulinda. Uma ngesikhathi iphepha luhlolo kuzovela amaqiniso ezengeziwe ezingaba nomthelela emphumeleni, kufanele abhale elinye isitatimende. Kulokhu, lesi sikhungo credit kuzofuneka ukuthi athumele isicelo ukuvula ibhange ethola imali.

isinyathelo emihlanu

Ngakho, usuyisusile imali ekhadini (Sberbank). Okufanele ukwenze uma ibhange wenqaba imali? Abameli belulekwa kulokhu aye enkantolo. Uma bazonikezwa ubufakazi obuqinile (isibonelo, iklayenti kwaba eMoscow, futhi imali ekhadini wakhishwa ATM Petersburg), isisulu bangathembela imali.

Ikhasimende elahlekile ikhadi Savings Bank: yini okufanele uyenze?

I-algorithm kuyafana esimweni ukudonsa emthethweni. Okokuqala, udinga ukuvimba ikhadi bese zisebenza emnyangweni Ukukhishwa entsha. Ungasebenzisi imali ikhasimende angathola imali ngokusebenzisa imali ebhange noma idluliselwe kwenye i-akhawunti. Theft kuyingozi ngoba abahlaseli bangasebenzisa CVV-ikhodi bese ukukhokhela amasevisi akulayini. Ngemuva cishe bonke izinhlobo zamakhadi plastic siyakhuthazeka umugqa omhlophe umnikazi we isignesha futhi amadijithi 7. Eyokuqala 4 - kuyingxenye inombolo, kanti elandelayo 3 - CVV (CVV2) -code. He is uhlobo PIN ukuze ukuthengiselana eyenziwa nge-Internet. Le khodi ayikwazi ecacisiwe kuphela Visa Electron futhi MasterCard Maestro. Lezi amakhadi eshibhe esiwathandayo kuphela ngaphakathi kwelinye izwe. Ngakho, ikhasimende elahlekile ikhadi of Sberbank. Okufanele ukwenze esilandelayo? Kuyasiza ukubhala isitatimende emaphoyiseni. Mhlawumbe olahlekile angatholakala futhi wabuya kumnikazi.

Hhayi izinkinga ezincane okubangelwa isimo, lapho demagnetized ikhadi Sberbank. Okufanele ukwenze kuleli cala? Ngokushesha ukuvimba ubudala. Amakhadi kungenzeka demagnetized kuphela uma amaklayenti ukuyisebenzisa: ngokuvamile losusa asibeke ephaketheni lakhe, esikhwameni noma esikhwameni. Buyisa imali kusuka i-ATM nge yenethiwekhi efana plastic behluleka. Kodwa uma kungenzeki ukuba alahlekile noma ebiwe, le waseLenasia ungakwazi ukukhokhela izimpahla online. Ezimweni ezinjalo, amabhange ungathumeli yokukhokha ngephasiwedi SMS, kodwa azise ikhasimende kuphela mayelana esebenzisa uvele ukhohlwe ukuthi kukhona iqiniso.

Umthetho bophula

I ukuchitshiyelwa komthetho Federal № 161 sizokwenza ababolekisi ukubuyela izimali ezebiwe ngombandela wokuthi ibhange ngeke ufakazele ukuthi iklayenti iphule imithetho usebenzisa ikhadi ebhange. Lapha kubalulekile ukuba banake imininingwane ehilelekile ezinjalo. A isikhungo credit ubophekile ukuba buyisela imali uma iklayenti azobika ukuthi wakhumula imali ikhadi Savings Bank, kungakapheli ngosuku olulandelayo ngemuva kokuthola isaziso ovela ku-opharetha kuthengiselana. Endabeni ka yephule lesi eside ne Bank kunoma ikuphi ukubophezeleka yokuziphatha ukuhunyushwa. Kule ngombono, iklayenti kufanele futhi usebenzise isizinda ubufakazi. Ngemva ukukhuluma opharetha ocingweni kufanele thumela i-imeyili ku-ibhange, ecacisa imbangela ukwelashwa, inani eliqondile kwempahla ebhaliwe-off, ngaphambi isaziso opharetha Empeleni.

Amaphesenti abanikazi bamakhadi bengenanhlonipho okusezingeni eliphezulu. Entsha amabhange umthetho azibonayo ukwamukelwa ngomguruguru. Institutions kufanele bandise amaphoyisa isimo. Ukukhokhela izinsizakalo of ochwepheshe abafanelekayo emkhakheni IT kuyabiza. Amabhange bakhulisa alamu, bayahlupheka ukulahleka bese uzama ukuthola indlela yokuphuma.

Umthetho uthi isikhungo credit ubophekile ukuba wazise ikhasimende mayelana ukushaja. Kodwa akazange ucacise ncamashi kanjani, futhi kungakanani kufanele ibize kule sevisi. Okungukuthi, ngisho i-imeyili-umyalezo ovela ebhange mayelana lokuthi kuthengiselana kungaba isaziso esinjalo. Ukusebenzisa lesi senzo, amabhange abaningi baye bathi izindleko SMS-imiyalezo, okuyizinto Indlela esheshayo ufunde mayelana nezimali ukuhoxiswa Empeleni.

Elinye iphuzu kuwufanele ukunaka. Uma ukusebenza ngoba ukudluliswa kweemali sasenziwe ngaphandle kwemvubelo kweqhaza amaklayenti kanye yasebhange hhayi aziswe umnikazi ikhadi nayo, uyakuyilobola ibe buyisela imali yonke wachitha.

Ngesikhathi esifanayo, lo mthetho uqukethe amagama abekwe ngayo engase iqondakale ngezindlela ezimbili. Kuthiwa ibhange akuyena obangela ukuziphatha kuthengiselana, uma kubonisa ukuthi ikhasimende iphule izimiso ukusetshenziswa elekthroniki yokukhokha. Lokhu kungabandakanya lutho kuze kube ikhadi isitoreji kule esiqandisini.

izindlela Nine ukuze uvikele imali

• Ukuhoxisa ukheshi kuphela ebhange. Kukhona amakhamera yonke indawo. Abahlaseli ayikwazi buthule ukufaka umfundi ATM ikhadi.
• Record yasebhange yefoni-isikhungo mobile. Uma ulahlekelwa ikhadi lakho, ngokushesha shayela inombolo.
• Uma ungeke ukwazi ukukhumbula i-PIN khodi, uwabeka inkumbulo ifoni ngaphansi igama lekhodi.
• Setha i-SMS isaziso ngokushesha ufunde mayelana zonke kwemali imali kumephu.
• Khokha amasevisi kuphela ngokusebenzisa amasayithi ethenjwayo. isiphequluli zabo kumele kuqale ngakho: https: //.
• Ungatsheli muntu PIN kanye nekhadi CVV-ikhodi.
• Igama lomsebenzisi nephasiwedi ye-akhawunti yakho siqu kwi-website ye ibhange akufanele ibekwe ku-elekthronikhi.
• Ukuze yonke imibuzo mayelana Ukuhoxiswa emthethweni izimali ezivela ikhadi kufanele ushayele inombolo ohlwini ekhadini hhayi nge-SMS.
• Gcina amafa engaguquki e-akhawunti ehlukile, futhi ikhadi ukuhumusha imali imali kuphela.

isiphetho

Nakuba amabhange zithatha izinyathelo zokuzivikela izimali ikhasimende, abakhohlisi usenayo izindlela eziningana ukuze zikhiphe imali ekhadini. Eminyakeni yamuva kuba ethandwa kakhulu lolu hlobo imisebenzi, ezifana bokweba imininingwane ebucayi - ukuthumela imiyalezo nge link kumasayithi enonya. ngokuchofoza kuyo, ikhasimende inikeza igama lomsebenzisi nabakhwabanisi nephasiwedi kusukela iKhabhinethi kuwebhusayithi yebhange. Njengoba base bethole le mininingwane, umhlaseli angakwazi ukusizakala imali yabanye abantu. Ukuze sibonise ngokungemthetho yokusebenza esikhundleni nzima. Ngokulinganayo yinkinga, uma Sberbank ikhadi intshontshiwe. Okufanele ukwenze kuleli cala? Vimbela lokukhokha, iyale ukukhululwa kwencwadi entsha futhi isicelo umbhikisho kuthengiselana zokugcina.