Credit card "Alfa-Bank": izimo, zenzalo, imithetho yokubhalisa, imibono kanye nokubuyekeza

"Alfa-Bank" - isikhungo sezimali, okuyinto likhona Top 10 eRussia. Futhi osesikhundleni 7 th kule simo. Ngo-December 2016 ivolumu izimpahla zalo kwaba ruble 2.34 trillion. Amasevisi we ibhange isebenzisa abantu abayizigidi ezingu-14 (futhi abantu zemvelo kuphela). Futhi minyaka yonke inhlangano ngokwayo uyanda inethiwekhi yayo inqwaba amagatsha amasha kanye namahhovisi okusebenza. Inkonzo ethandwa kakhulu - i-credit card, ". Alfa-Bank" amakhasimende anikezwa ezihlukahlukene izimo. Kodwa zonke yamanani kufanele ukhulume kancane.

"Ayikho izindleko"

Unjalo Uhlobo lokuqala ikhadi, okuyinto Ngithanda ukutshela. Lokhu kulinganisela kufaka unyaka khulula service, amanani aphezulu premium.Ufuna amakhadi kusuka 23,99% ngonyaka kala, futhi ngisho kufikela kuzinsuku ezingu-60 ngaphandle kwenzalo ukuze ukusetshenziswa kwezimali kanye umkhawulo ruble 300 000. ethandwa kakhulu kukhona ama-credit card "Alfa-Bank". Imibandela babonakala ezuzisayo. Ingabe ikhona izingibe?

Ngakho, ikhadi itholakala mahhala. Unyaka wokuqala wenkonzo akudingeki akhokhe. Phakathi nekhulu lesibili liyadingeka - ruble 990 ngonyaka. Ukuze cash Ukuzihoxisa ukuthatha ikhomishini (ruble okungenani 500, ngesilinganiso - 5.9%). Kukhona mkhawulo. Ingakapheli inyanga ungakwazi ukuqasha ruble 200 000. Futhi ukuba enembile, ruble 188 200. (Ikhumbula ikhomishana eziyihlazo).

Izinyathelo ezintathu ababulawa lesikweletu ezinjalo, "Alfa-Bank." kwale mibandela elandelayo: umuntu ukugcwalisa isicelo ifomu ku-intanethi, linda ukuvunywa abese eza uMnyango imibhalo. isethi Standard - passport isiRashiya, futhi yini enye ozikhethele (ilayisense yokushayela, SNILS, inqubomgomo MHI, iphasipoti, inombolo abakhokhi bentela ukuhlonza, kamazisi yasebusosheni, njll ...).

"Izinsuku 100 ngaphandle%"

Lokhu tariff Kuyadingeka uqaphele, ukhuluma about credit cards Alfa Bank. Imigomo nemibandela zimi kanje: umuntu uyala "izinsuku 100 ngaphandle%" mahhala futhi Ungayisebenzisa kuze kufike izinsuku ezingu-100 ngaphandle kokucabanga ngalokho kuyodingeka ukhokhe inzalo. Uma ikhasimende has isikhathi ukubuyisela wachitha phambi eside luphela, akaphelelwa lutho.

Kunezinhlobo ezintathu kuleli khadi - Classic, Gold nePlatinum. Ziyahlukahluka credit imikhawulo - 150, 300 kanye 750 ayizinkulungwane, ngokulandelana.

Kuyaphawuleka ukuthi zonke zalo oholela kangcono ukwenza labo ngumnikazi ikhadi iholo "Alfa-Bank". Kubo, yonyaka lenzalo kuyoba 26,99%. Cash ukuhoxiswa umkhawulo ngenyanga - ruble ayizigidi 60 .. Kodwa kungenjongo Endabeni le Classic. Ukuze abanikazi umkhawulo Platinum kuyinto ayizinkulungwane 200. Hlikihla. Ngokuvamile, ngempela kunengqondo lokhu ikhadi lesikweletu "Alfa-Bank" - "izinsuku 100". Imigomo nemibandela kucacile kakhulu, futhi imibhalo ngokuthumela - standard. By the way, alilokothi libuhlungu ukusiza ngendlela engenayo intela yomuntu kwi engenayo.

nezinye izici

Lokho bonke, aholele ukwazi indoda ababedinga ikhadi lesikweletu, "Alfa-Bank." Imigomo yokusetshenziswa etholakalayo nganoma ekhangayo, kodwa amakhasimende kanye namanye izici. Ngaphezu kwesikhathi entshisakalweni khulula, okuyinto sesivele eshiwo ngenhla.

Ngokwesibonelo, isikhathi imali elinganiselwe 5% isamba semali esele. Abantu abaningi Ungakwazi ukulandela yonke imali yakho nosuku ngendlela yasebhange mobile kusebenziseka kalula yesimanje futhi "chofoza-Alpha". Kukhona uhlelo lokusebenza - ungakhetha ngubani kuka kulula ukusebenzisa. Futhi ukuba abuyisele izikweletu zabo kungaba ngisho Ukudluliselwa emakhadini nezinye amabhange.

By the way, ngokusebenzisa lolu hlelo lokusebenza, ungakwazi ukucela noma yiluphi ulwazi mayelana ne-akhawunti credit. Umuntu uyonikwa idatha, lapho imali yakhe kanye nenani ukuthi iyadingeka ukuze ukhokhe ngeke alethwe kube phansi amasenti ngesineke.

Imininingwane ebalulekile

Kufanele unikeze izimpendulo zemibuzo abantu abayibuzayo uma wenze ikhadi kaningi.

Ngakho, owokuqala - imali yesondlo yonyaka. It is emalini akhawunti ngosuku olulandelayo ngemva ikhadi lesikweletu yenziwe yasebenza.

Esesibili - inani lenzalo. Kuyinto ngamunye. Incazelo kubonisa idatha eseduzane, kodwa izinga lokugcina kunqunywa abasebenzi asebhange. Kuyadingeka ukuba ukhumbule ukuthi imibhalo ngaphezulu ukuqinisekisa solvency iklayenti sizonikeza, ngcono izimo ngenxa yalo.

Okwesithathu - mkhawulo. He is ikhadi anoma yiluphi uhlobo. Kuthiwani uma umkhawulo kufinyelelwe? Kuyadingeka ukuba akhokhe izikweletu - iphelele noma ingxenye. Khona-ke aphinde kungenzeka ukwenza lasebhange ukuthengiselana ngaphakathi umkhawulo.

Eyesine caveat - isikhathi sokusebenza. Sebenzisa ikhadi umuntu can ngesikhathi sokuhlwanyelwa kwalo eyakhishwa ngawo. Uboniswa phambi uhlangothi lwalo. Lapho iphela, umuntu ithunyelwa umnyango, lapho eseneminyaka yekhadi lesikweletu entsha "Alfa-Bank" okuzokhishwa. Imibandela yokuthola ngisho kulula, ngoba kuyadingeka, eqinisweni, isandiso amasevisi.

"Twins"

Lena - eyodwa ngaphezulu yokugibela ezithakazelisayo, mayelana nokuthi iziphi izinhlelo Ngithanda ukusho amazwi ambalwa. Njengoba leli gama lisikisela, kuyacaca ukuthi amaklayenti unikezwa ithuba elimbaxambili futhi idinga babe nesu.

Ngakho isimo sokuqala - izinsuku 100 ngaphandle kwenzalo ku cash Ukuzihoxisa nokuthenga. Umkhawulo we-credit - ruble 300 000. Kungenzeka ukuba ukhokhe ngohlelo Samsung Pay ne-Apple Pay. Okuncane senzalo iqala ngo 26,99%. izaphulelo Ukwandiswa credit etholakalayo Gold-side. A yesondlo kubiza ruble 2490 kuphela ngonyaka.

Yini ethakazelisayo: kuba ikhadi ahlukile analogue eRussia lapho. Kulula ukusebenzisa ngenxa ukusebenza yayo jikelele. Omunye ikhadi yonke imisebenzi!

Futhi, ohlangothini ikhadi ngalinye linenani chip, i-PIN-code futhi strip magnetic, okwandisa nokwethenjelwa nokuvikeleka yayo. Mhlawumbe lena yiyona ndlela engcono ezikhishwe inhlangano "Alfa-Bank" credit card.

izimo cash ukuhoxiswa zimi kanje: 4.9% ikhomishana on lemali, kodwa ruble abantu 400. Umkhawulo nyanga ruble 120 000.

lula

Credit card "Alfa-Bank", izimo ezingahlobene ezichazwe ngenhla, zamukelwa kuwo wonke amazwe emhlabeni jikelele. Phela, inhlangano ukhiqiza amakhadi amasistimu ngamazwe "Master Card" futhi "Visa", okuyinto zasakazekela kulo lonke izwe.

Ukuze dollar credit card ikhasimende angawususa lemali nganoma yiluphi uhlobo lwemali - Ruble noma euro, isibonelo. Kuyefana nasendleleni inkokhelo yezimpahla nezinkonzo (esimweni phesheya, isibonelo).

Ngu-credit card, ungakwazi uxhumano nomsebenzisi we-SMS isaziso. Njalo umuntu ziyokuza imibiko efonini abonge futhi ukudonsa, ku kokuphela ikhadi kanye kokuthola imali e amaphuzu imali.

Futhi okwamanje ekhadini lesikweletu ngaphezulu komkhawulo, ungafaka imali yakho. Ngokusebenzisa kwabo noma iyiphi inzalo ngeke ukhokhiswe. Okusho ukuthi, uma umkhawulo ikhadi 200 000, futhi le ndoda wagqoka ngomunye 30 000, lezi ayizinkulungwane ezingamashumi amathathu angakwazi bachithe ngaphandle kokucabanga ngaso amaphesenti.

Izibuyekezo

Abantu abakhuluphele abanikazi wesikweletu "Alfa-Bank", ngokuvamile, ziyaneliswa. Yiqiniso, uma Uwafunde inkontileka futhi bazijwayeze konke izimo. Kukhona amazwana negative, kodwa ezimbi mayelana namasevisi inhlangano ukuphendula abantu ocele ukungadalulwa yonke imibuzo ngaphambi asayine isivumelwano.

Kodwa ngokuvamile, ukujabulisa ukubuyekezwa. "Alfa-Bank" - inhlangano ezinhle ezinokuthambekela oqotho amakhasimende abo inkonzo ngokushesha nokusebenza abanekhono, abasebenzi abaqeqeshiwe bekulungele ukusiza abantu abaningi abaye basisebenzisa kubo.