Credit card ngesevisi mahhala futhi isikhathi somusa: imigomo abekelwe yona yokubhaliswa

Wonke umuntu okungenani kanye empilweni kukhona isidingo esiphuthumayo imali. Ezimweni ezinjalo, kungase kube usizo yekhadi isevisi mahhala. It zingakhiqiza "isiguqo wezimali". eminye imininingwane mayelana nokuthi futhi lapho ukuhlela instrument yezimali, funda ku.

Yini catch?

Ngo izimo emakethe ukuncintisana, amabhange ulwela ikhasimende. amakhadi Plastic bezilokhu umkhiqizo odumile. Ngakho-ke, ngaphandle evamile amakhadi esikweletu nge imali nyangazonke for inkonzo, bavele emakethe ikhadi khulula. Lo mkhiqizo has eziningi eziwusizo, kodwa kukhona izingibe. Lokhu kungaba iphesenti esele izimali siqu ku-akhawunti, futhi inani lemali elincane gcwalisa nyangazonke nokunye. D. Ukuze akhokhe imali, kudingeka utadishe ngokuningiliziwe inkontileka yesevisi singenciki kuphela ngamazwi mphathi. Nakuba namuhla i-amabhange ozama ukuba linqume izimo ecacile futhi esobala, ngakho njengoba singalahlekelwa amakhasimende futhi ungatholi izibuyekezo ezimbi. Ngaphezu kwalokho, ikhadi lesikweletu nge khulula service yonyaka kanye cash ukuhoxiswa mahhala. Lesakhiwo tetimali kokuchitha imali ukukhiqiza plastic, ngakho ubheke phambili ubudlelwano eside nge iklayenti.

Usifaka kanjani isicelo?

Credit card ngesevisi khulula enikeziwe:

1. Njengoba isithembiso esikhethekile amakhasimende akhona ebhange. Ngokuvamile, lezo ziphakamiso wathola ngemuva kokwenza omunye umkhiqizo. Ngokwesibonelo, ukubuyiswa kwemali ngempumelelo ukubolekisa ubudala. Ezimweni ezinjalo, iklayenti unomphela inikezwa ukukhipha ikhadi lesikweletu ngaphansi kwezimo ezimvunayo.
2. Phakathi senzo. Phakathi nale nkathi, umkhiqizo kungenziwa ikhishwe ngemibandela oyithandayo, kodwa udinga lokhozi izindaba ezikhungweni zezimali.
3. Ezinye amabhange ingenzele wesikweletu wonke amakhasimende ilandelana. Isevisi free inzuzo enkulu yemikhiqizo enjalo. On kubo Kuzoxoxwa.

Ezinye izibalo

Ngokwezibalo, ngo-2016 ukufuneka credit yehlile. Ngokwe-Central Bank, ku 01/07/15 engunyaza ayizinkulungwane 223,6. Amakhadi, zazo ayizinkulungwane. 30,7 yemaphepha. On 7.1.16 wadedelwa amakhadi 242,4 nje izinkulungwane, okuthi kuzo izinkulungwane 30,3 - .. Credit. Noma kunjalo, amaRashiya namanje ngokuvamile ukusebenzisa lo mkhiqizo.

Credit amakhadi isikhathi somusa ivumela amakhasimende ukujabulela amalungelo anjalo:

• uthole izaphulelo kusukela abalingani;
• ukukhipha ikhadi design ngabanye;
• iqhaza ezinhlelweni ukuphepha khulula phesheya;
• ukukhokhela izinto zokuhamba zomphakathi;
• ukusebenzisa ubuchwepheshe PayPass futhi PayWave.

Minyaka yonke, amabhange bayatfutfuka izimo ezikhangayo abanikazi plastic. Namuhla, ama-credit card kukhona isevisi mahhala futhi imali emuva ukuvumela amakhasimende hhayi kuphela ukusebenzisa izimali ezibolekwe, kodwa futhi ukuze uthole imbuyiselo on ukuthenga (10%). Ngesikhathi esifanayo, izimo loan konyaka akashintshi okuningi ngonyaka.

Ngakho, ngo-2016 kwi-credit ngesevisi mahhala futhi isikhathi somusa enikeziwe e kwale mibandela elandelayo:

• Umkhawulo - kuze kube ama-ruble ayizigidi 590 ..
• Ukukala - kuze kufinyelele 30%.
• Service - ruble 500-2000, kusukela ngonyaka wesibili ..
• Mahhala isikhathi - kufikela kuzinsuku ezingu-60 kusukela ngosuku lasebhange.
• Ubuncane inkokhelo yanyanga zonke - 10%.
• Wokusetshenziswa kwemali yensimbi - 7%, ama-ruble angu okungenani 300.
• Phakathi izinhlelo ibhonasi ezithandwa kakhulu ekuqongeleleni imayela izindiza futhi ukushaja amaphuzu nganoma yisiphi ukuthenga.
• ukufinyelela Clock ku-akhawunti.
• Credit card nge khulula service yonyaka Sberbank kudedela kweso. Ngamanye izikhungo amakhasimende kufanele ulinde okungenani izinsuku 2.

izici Key

Ngokusho kocwaningo Profi Online Research, lapho ekhetha ikhadi extra kusho amakhasimende ngokuvamile banake nemingcele ezilandelayo:

• ukubaluleka isithakazelo;
• Izindleko zomsebenzi;
• nomkhawulo;
• nokuba khona isikhathi somusa;
• khona idiphozithi ATM;
• kungenzeka sokukhokhwa loan ngokusebenzisa eposini, "Imeyili Russia".

Ake sihlole kabanzi izimo ngaphansi okuyinto ikhadi lesikweletu unikezwe isevisi mahhala.

"Renaissance Credit"

Leli bhange kungenziwa ikhishwe MasterCard Umhlaba bese umkhawulo ezikhanyisayo afika ku-150 eziyinkulungwane. Hlikihla. kuze kube 55 izinsuku iqhaza kuhlelo ibhonasi (imali-emuva ukufika ku-10%). Umkhiqizo lutholakala abasebenzayo abantu, osomabhizinisi kanye umhlalaphansi. Ukuze usayine ikontileka udinga ukunikeza ipasipoti + enye idokhumenti (i-ID, iphasipoti, ikhadi ngezifiso kwelinye ibhange). Isicelo udaba zamakhadi ingathunyelwa intanethi ngokusebenzisa iwebhusayithi yebhange. Idatha kusuka lwemibuzo kusetshenzwe emizuzwini engu-30. Isinqumo kwangaphambilini uthunyelwa nge-SMS ku-kunani elicacisiwe. It kuphela uhlala ukulinda call of the opharetha futhi ukuvakashela igatsha lasebhange.

"VTB 24"

Credit card ne khulula wenkonzo waminyaka yonke, "VTB 24" umkhankaso eminyakeni embalwa edlule. Wonke umuntu wamukelekile ukuhlela plastic "amaphesenti ongaphakeme" kanye nokufinyelela credit in inani ayizinkulungwane 350. Hlikihla. Ayosinda izinsuku 50 kuncike cashing imisebenzi izimali, futhi uthenge umlingani izitolo enqwabelene cash emuva ngo-10%. Ukuze ukusetshenziswa credit izinsuku ezingaphezu kwezingu-51 kuyodingeka bakhokhe 22%. inkonzo Mahhala inikezwa kuncike imali yonyaka ku-akhawunti in inani ayizinkulungwane 120. Hlikihla. Feza mibandela, ngeke kube nzima, ikakhulukazi uma ucabangela ukuthi ikhadi kungenziwa exhunywe akhawunti ahlukene. Kwezicelo zokubhalisa izikhungo zenziwa plastic ngokusebenzisa iwebhusayithi yebhange.

Credit card nge khulula service yonyaka senzelwe ngokuyinhloko ukuze ukhokhe cashless. ngakho ngokukhipha imali nge-ATM lizokhokhiswa 4%. Abanikazi bamakhadi ngaphezu kwalokho nethuba:

• Hola amamayela nge S7 Airlines;
• ukukhokhela izinto zokuhamba zomphakathi ukuze spetstarifam dolobha;
• ukubamba iqhaza esiza abantulayo ngesikhathi ekhokha ngokuthenga ikhadi, "Tribute to shrine" in inani ruble ayizigidi 2 .. sesikweletu Ukudluliselwa kuya isikhwama esikhethekile ruble 30 ukuze kwakhiwe amathempeli.

"Alfa-Bank"

Lesi sakhiwo loan kungenziwa ikhishwe Platinum ikhadi bese ugcine izinkulungwane 4. Hlikihla. ngesikhathi isevisi yonyaka. Ngaphezu iqhaza izenzo lamabhange umlingani, abanikazi plastic futhi wamukela umkhawulo wesikweletu e inani ayizinkulungwane 299. Hlikihla. futhi isikhathi somusa ezingu-60. Isicelo udaba zamakhadi ingathunyelwa ngqo ngokusebenzisa iwebhusayithi ye-isikhungo sezezimali, ecacisa idatha ye passport, kanye SNILS, MLA noma ubunikazi.

"UniCredit Bank"

Imikhiqizo yalesi isikhungo sezezimali libhekene high speed ngokubulawa futhi inkonzo ezikhangayo izinhlelo. Isicelo Ukukhishwa ikhadi zingahlelwa ngqo ngokusebenzisa iwebhusayithi ebhange, futhi isinqumo kufanele senziwe phakathi kwezinsuku ezingu-3. kwakhiwa Isikhathi ngokuvumelana amakhadi lesikweletu izingxenye ezimbili:

• ngenyanga yokuqala (izinsuku ezingu-30) kusukela ngosuku kuthengiselana, umbiko sebanga ngenyanga edlule;
• ezinsukwini ezilandelayo ezingu-25 ayatholakala ukwenza inkokhelo encane.

Izinzuzo Ikhadi:

• ubufakazi engenayo lapho wenza plastic akudingekile;
• abanikazi imoto, football fans abahambi enikeziwe cash emuva lapho uthenga izinto eziyisikhumbuzo, amarisidi yokukhokha kaphethiloli kanye namahhovisi yokuthengisa;
• nyangazonke kungaba imali ngaphandle 50% lemali mkhawulo.

Uma ukwephula ikhadi inkontileka ivaliwe futhi ibhalansi likhokhelwa kokujeziswa 20%. Ngosuku olulandelayo, ngemuva sokukhokhwa bonke kweletu futhi ikhomishini izindleko ivuliwe ngokuzenzakalelayo. Futhi futhi onawo ikhadi lesikweletu at!

ebhange yokulondoloza

Nge isevisi free, ungahlela insimbi zokukhokha isikhungo ngobukhulu zezimali yezwe. Kulokhu, imicengezi plastic bayakwazi:

• ukuqoqa amabhonasi, "Ngiyabonga" ngoba ezitolo ezitolo umlingani;
• ukusebenzisa credit izindlela ngenkokhelo nesizotha - 25,9% ngonyaka.

Nokho, izimali ezivela ikhadi lesikweletu angeke sidluliselwe elinye ikhadi.

"Citibank"

Lokhu isikhungo sezezimali ikhipha amakhadi ngamazinga ukuhlulwa. Thola igatsha ebhange kungaba cishe noma yikuphi emhlabeni, okuyinto ebaluleke ikakhulukazi abavakashi. Sibheka ngokuningiliziwe enikezwa ezithakazelisayo kakhulu:

• "Vele ibalazwe" - i-credit card kanye isevisi yonyaka, okuyinto Ilungiselelwe ngesilinganiso 22.9% ngoba ukusetshenziswa kwezimali waboleka.
• Citi PremierMiles - Leli khadi ikuvumela ukuba bashintshisane amamayela yakho zanqwabelana ezindizeni, amasevisi kanye imali.
• Citi Khetha - ngaphakathi kohlaka lolu hlelo, abahambi ungathola imali emuva ezigabeni ezahlukene (yezitolo, izindawo zokudla, njll ...).
• Eceleni wanikeza amakhadi co-branded nge iziteshi Neste Oil, «Aeroflot», yezitolo "Stockmann" futhi MTS, "megaphone".

"I-OTP Bank"

Ngo-2015, inhlangano yezimali senzeka 7th kule simo Frank Research Group ngenani amakhadi esikhishwe. Amakhasimende, ukuhlonza, ukukhipha ikhadi umkhawulo ruble ayizigidi ezingu-1,5. kanye nokusetshenziswa khulula izindlela ezingu-55. Lapho beqeda esiwumusa-isikhathi esele lemali ukweletwa likhokhelwa 29,9%. ukusebenza Isikhwama okwesula akhawunti nge-ATM icala ezibizayo - by 37%.

amakhasimende ebhange Ungaphinda uhlele ikhadi lobulungu Touch yasebhange futhi ulisebenzise njengoba credit on imigomo elandelayo:

• edition khulula;
• inkonzo khulula inqobo nje uma inzuzo nyangazonke inani ayizinkulungwane ezingu-30. ukukuthinta.
• gcwalisa khulula;
• Umusa esiyizinsuku ezingu-61.

Manje cabanga yekhadi lesikweletu entsha nge isikhathi somusa yesevisi kanye nezici.

Map-isitolimende

muva emakethe ubonakele insimbi inkokhelo ukuze ukuthengwa kwezimpahla by izitolimende. Isikhathi iyona ezingu-12. Isimo eyinhloko esimisweni ukwenza ukuthenga kuphela umlingani izitolo. Ikhadi best emakethe iyona "nembeza", lapho "Kiwi Bank" amakhasimende silinganisela ayizinkulungwane 300. Hlikihla. Kuze kube manje, lo mkhiqizo iyatholakala izakhamuzi dolobha Kazan kuphela.

Kviki

Kviki - isengezo credit card, okuyinto yakhelwe ukwenza ukuthenga on the Internet for ama-ruble ayizigidi ezingaba ngu-200 .. It ikhiqizwa kweso, isikhathi esiyiminyaka emithathu. Isevisi Commission ayitholakali, kodwa isikhathi somusa izinsuku ezingu 14 kuphela.

Electronic credit card

"Union Bank" linikeza amakhasimende credit yayo amakhadi khulula wenkonzo waminyaka yonke, kodwa akukho isikhathi somusa. Ukuze ukusetshenziswa umkhawulo ayizinkulungwane 300. Hlikihla. kuyodingeka bakhokhe 24% ngonyaka.

"SMP" futhi "Smolensky" amabhange udaba amakhadi isikhathi somusa izinsuku 50, okubhekisele ekusebenzeni ukuhoxa, ubakhonze ngesilinganiso 26,9% futhi 27.9%. Amaklayenti abangakwazi ukufakazela imali yabo bangase bafaneleke umkhawulo ophezulu e inani 80 kwezingu-20. Hlikihla. ngokulandelana.

Igolide credit card

Sipho best sokubhalisela igolide credit card enenzalo "Zenith" ebhange. Lesakhiwo sezimali sinikeza ukukhipha ikhadi nge rate of 20%, ikhono lokusebenzisa umkhawulo ruble engafinyelela kwengu-1 million isikhathi somusa izinsuku 50. Imali yesevisi lesikweletu lizokhokhiswa, kungakhathaliseki ukuthi ngenkuthalo esetshenziswa.

Isevisi khulula kuphela kuhlinzekelwe onyakeni wokuqala IGOLIDE-amakhadi "Ekhaya Credit Bank" futhi "Raiffeisenbank". Kodwa lezi zikhungo ukushaja ikhomishini ezinkulu. Lapho beqeda isikhathi somusa at ezisalayo leveraged ibalwa 29,9% no-24% ngonyaka. Ukusebenzisa ikhadi mahhala, kudingeka wenyanga "ukuboleka" 25 ayizinkulungwane. Deda.