Imephu "Molodezhnaya" (Sberbank): izici, izimo zokuthola, ukubuyekezwa

I-Sberbank yaseRussia ivuselela imikhiqizo emisha yasebhange, ihlose ukuhlangabezana nezidingo zemikhakha ehlukene yezakhamizi, kungakhathaliseki ukuthi zibudala nobani. Umkhiqizo wekhadi elinjalo njengekhadi le- "Youth", i-Sberbank ikhishwe ngokukhethekile kumakhasimende ayo amancane.

Enye yezinzuzo zokusebenzisa ikhadi elinjalo ukuthi uma ubala esitolo ngomkhiqizo noma isevisi, amaphesenti angu-10 esamba esitokisini abuyiselwa kubhalansi yekhadi, njengebhonasi ebhange, ongayikhokha esikhathini esizayo ngeminye imikhiqizo. Ngaphezu kwalokho, umnikazi wekhadi angakwazi ukukhokha ngokushesha futhi kalula izinsizakalo zeselula ngokuthumela umlayezo wombhalo kuphela kwinombolo emfushane. Futhi, angadlulisela imali komunye umuntu, ekwazi kuphela inombolo yakhe yocingo, ukukhokhela ukuthengwa kwe-intanethi, nokunye okukhethwa kukho kuyotholakala kumsebenzisi wale mkhiqizo onenzuzo njengekhadi elithi "Youth" (Sberbank). Ukubuyekeza mayelana nakho kungatholakala kokubili okuhle nokubi, kodwa kunezinto ezinhle kakhulu.

Izici zemephu

• Ikhadi lingaba yi-ruble kuphela, i. Kungagcina kuphela ama-ruble aseRussia.
• Isikhathi seminyaka emithathu sokuqinisekisa siyikhadi elithi "Intsha" (iSberbank).
• Izindleko zonyaka zesevisi yizinhlamvu eziyi-150.
• Ingasetshenziselwa ukukhokha kwi-intanethi.
• Ukuthengwa kwamabhonasi okuthenga.
• Umnikazi wekhadi unikezwa ukufaka isicelo esikhethekile seselula mahhala.
• Kungakapheli izinyanga ezimbili kusukela ngesikhathi sokuxhuma, isevisi "yeBhange leNgcono" inikezwa mahhala ngokuphelele.

Izidingo zeBhange zomnikazi wekhadi

Ubani ikhadi le-debit elithi "Molodyozhnaya" elikhishwe? I-Sberbank yaseRussia inikeza abantu abaneminyaka engama-14 kuya kweyishumi nanhlanu ngepasipoti yesakhamuzi saseRussia nokubhaliswa esifundeni lapho ikhadi lizokhishwa khona.

Uma abantu abasha banquma ukukhipha ikhadi lesikweletu ebusheni, khona-ke ibanga lobudala lizoba lisukela eminyakeni engu-18 kuya kwezingama-30, futhi, ngaphezu kwepasipoti nokubhaliswa, kubalulekile ukuhambisa isitifiketi ebhange eqinisekisa imali engenayo yomboleki. Idokhumenti enjalo ingatholakala emisebenzini, kanti lowo obolekayo kufanele asebenze lapho okungenani izinyanga eziyisithupha. Kubafundi besikhathi esigcwele, ubufakazi bokuthola imali kungaba isitifiketi sokufunda.

Ungafaka futhi ebhange isitifiketi se-scholarship kanye nesitifiketi esivela endaweni yomsebenzi, lapho kwenzeka khona ulwazi lomsebenzi endaweni yokugcina okungenani okungenani izinyanga ezintathu.

Ungayithola kanjani ikhadi elisha?

Ungafaka isicelo sekhadi lentsha ngqo kwiwebhusayithi yeSberbank. Kulo fomu ehlongozwayo, kufanele ufake imininingwane yomuntu, okungukuthi: igama eligcwele, ikheli ngokuhlala, ulwazi mayelana nomsebenzi, imininingwane yokuxhumana. Khona-ke udinga ukukhetha okufanele kakhulu kuwe imingcele yekhadi kanye nokuhlukaniswa iziqephu kwebhange, lapho kuyoba khona okulula ukuthi uyithole ezandleni zakho.

Kukhona enye "i-chip" eyodwa yekhadi - kuyithuba lokukhetha ukuklama kwayo. I-Sberbank inikeza izinhlobo ezimbili zokuklama - okujwayelekile kanye nomuntu ngamunye. Uma ukhetha ukubonakala komuntu siqu kwekhadi lepulasitiki, umnikazi wekhadi lekusasa angalayisha isithombe sakhe noma akhethe emidwebeni uSberbank enikeza. Kodwa kubalulekile ukugcizelela ukuthi uma ufuna ukuklanywa, kuzodingeka ukhokhele ama-ruble angu-500 engeziwe.

Ngakho, ugcwalise uhlelo lokusebenza. Manje udinga ukulinda impendulo evela kuchwepheshe webhange oyohlola ulwazi olunikezile.

Ungathola futhi ikhadi ngokuxhumana nanoma yiliphi igatsha laseSberbank, kodwa kuphela esifundeni lapho unemvume yokuhlala khona. Kufanele ube nedokhumenti eqinisekisa ukuthi ungubani.

Ungaba nesithakazelo sokuthi kungakanani ikhadi le-Sberbank elenziwe? Ikhadi lesikweletu lezingane lizobe lilungele emavikini angu-2-3, ungayithatha ehhovisi owake wabonisa kulolubuzo lwemibuzo. Ungakhohlwa ukuletha ipasipoti yakho noma yimuphi omunye umbhalo ongaqinisekisa ukuthi ungubani.

Ikhadi lesikweletu lesikhashana leSberbank alikhishwa ngokude nge-intanethi. Kuzodingeka uxhumane nebhange kabili: okokuqala ukuhambisa amadokhumenti bese ugcwalisa ifomu lesicelo futhi okwesibili ukuthola ikhadi. Isinqumo sokukhipha ikhadi lesikweleti kumboleki senziwa yi-Sberbank izinsuku ezingaphezu kwezinsuku ezintathu zebhizinisi.

Imibandela kanye nemali ekhokhwayo yekhadi

Intsha yobunikazi be- debit "iSberbank yaseRussia" iyokukhokhela ama-ruble angu-150 ngonyaka, kanye nekhadi lesikweletu - ama-ruble angu-750. Imibandela yekhadi lesikweletu inikeza isikhathi somusa, okuyizinsuku ezingamashumi amahlanu, okungukuthi, ngalesi sikhathi, inzalo ngeke ifike. Umkhawulo wekhadi lesikweletu uvela kuma-ruble ayizinkulungwane ezintathu kuya kwamakhulu amabili, isilinganiso senzalo sokusetshenziswa kwezimali ezibolekwe ngu-24% ngonyaka. Uma umboleki efuna ukuhoxisa imali kusuka ekhadini lesikweletu "Molodezhnaya", ibhange lizothatha ikhomishini engu-3% yale nsizakalo.

Indlela yokugcwalisa ikhadi le "Youth"?

Kunezindlela eziningana zokugcwalisa ikhadi kusuka ku-Sberbank:

1. Indlela engekho-cash usebenzisa i-Mobile Bank, isevisi ye-Sberbank-Oilein, uhlelo lokusebenza olukhethekile lweselula kanye nensizakalo ye-SMS.
2. Imali ekhokhwa nge-ATM kanye nama-terminal terminals.
3. Emahhovisi okheshi kwamanye amabhizinisi asebhange - ngenxa yalokhu udinga ukwazi imininingwane yekhadi;
4. Eminyangweni yemali yamagatsha eSberbank.

Ukubuyekezwa kwabanikazi bekhadi le "Molodezhnaya"

Abasebenzisi bomkhiqizo onjengekhasi elithi "Youth" (Sberbank) banikeza izibuyekezo ezahlukene. Abanye bakhetha iqiniso lokuthi inqubo yokukhishwa kwekhadi lesikweletu ayilungile, ngoba kukhona nokuhlelwa okuqhubekayo kokuthola. Ngakho-ke, kungenzeka ukuba wenze isicelo esinqunyiwe sokuthatha isinqumo sokuqala esivela ebhange ukuze ukhiphe ikhadi lesikweletu. Enye iphuzu elibi ukuthi amaklayenti kaSberbank akhishwa ukuthi imigomo ekhadini lesikweletu ayikhethanga futhi ayifani nemigomo yamakhadi esikweletu ngamanye imikhakha yamakhasimende eSberbank.

Kodwa kunezikhathi ezengeziwe ezinhle. Okuyisisekelo kunikezela umfundi ithuba lokufaka isicelo sokubolekisa ngaphandle kwemisebenzi. Olunye uhlangothi oluhle lomkhiqizo wamakhadi ukutholakala kohlelo lwebhonasi. Ngakho-ke, ukukhokhela ukuthenga kwabo ngekhadi elithi "Intsha", abantu abasha bathola amabhonasi abangawasebenzisa kamuva ekuthengeni ezinye izimpahla. Kunezinzuzo eziningi zomkhiqizo okwenza ukuphila kwabantu abasha kube lula.