Izimali, Izimali zomuntu
Impesheni ikhadi Komphakathi. Sberbank ikhadi umhlalaphansi
uhlelo Kalula ekutholeni ukubamba nokugcina imali kusuka Pension Fund umema bonke abahola impesheni Russian Sberbank, ukubadedela ngepulasitiki ikhadi ekhethekile "Maestro". Noma yimuphi ukusebenza kuso nhlobo, kuhlanganise ukuphrinta lokungena nokuphuma kwemali kwi-akhawunti. Naphezu kwazo zonke lezo lula ukusetshenziswa, impesheni ikhadi social hhayi esilindele wonke umuntu.
Passbook noma plastic ikhadi
Ukusebenzisa i-credit card akudingekile uma udlulisa impesheni ngenxa Savings Bank - okwamanje abadala abaningi bathanda weminyaka akhawunti yokonga efakazelwe. Hlola izinzuzo ikhadi phambi umgcini iphepha ezithandwayo zezingoma izinombolo may kude ngamunye asebekhulile. Ukuze uqale into entsha, ngisho afunde amagajethi ezimbalwa ezilula futhi elula, abaningi babheka engadingekile - ifoni ephathekayo kwanele. Ngakho-ke, Sberbank ikhadi esezigugile ngenkathi abangekho ethandwa phakathi Isizukulwane esidala.
Kodwa labo onesibindi ukuba ephaketheni lakho noma esikhwameni esikhundleni izikweletu evamile stylish "plastic", yekhadi kufanele igcwaliswe izitatimende ezimbili kuphela, kokubili Savings Bank of ehhovisi: owokuqala - empikiswaneni ikhadi, kanti eyesibili - ukuze yesikhwama sempesheni ushintsho-akhawunti yasebhange siqu lapho kuyodingeka ukuba uhlu zonke izinkokhelo edingekayo. Eyesibili Lombiko kumele uthunyelwe FIU bebodwa. Kodwa kufanele sikhumbule lapha ukuthi isikhathi sokwenza ikhadi yezenhlalakahle zingahluka kusuka Sberbank yamemezela. Esikhundleni izinsuku 7 ekhadini, ezimweni eziningi ukuwela ezandleni ka impesheni ngemva kwamasonto 2-3. Podgadat kufanele sibe nesikhathi ukudluliswa esilandelayo imali.
Kunzima, kodwa elula
Kuphela mathupha wonke lula kokusebenzisa ikhadi, ungenza umehluko yamapasi noma ethola impesheni eposini. Ngaphandle kweqiniso lokuthi kwabathile "plastic" kulondoloza abasebenzisi bayo ukuba ukuchitha isikhathi nomzamo emigqeni isikhathi eside lapho abahola impesheni, ume khona kanzima futhi ukhathele, enendawo eningi nezinye izinzuzo. Asikho isidingo sokuthi lithwale azungeze ezitolo, Pharmacy, "bukhoma" umtholampilo imali yamaphepha ukuthi ngamunye wethu angasho, uphazamisekile ulahlekelwe.
Ukuvikelwa Esingawethemba imali yabo
Inani elanele izikweletu ephaketheni lakho - Akungabazeki simo olumnandi, kodwa ngesikhathi esifanayo kube yinto esabisayo. Okuningi noma okuncane abe amasela ezokuthutha zomphakathi - akunandaba, omunye kwanele. Ebhekene Umlumbi esinjalo, kungaba ithathe injabulo umuzwa ezandleni iphakethe imali ukuze ihlaselwe ukunyamalala kwabo ngokungazelelwe. Kumephu ungaluthola ngakho: evikelwe siqu PIN-ikhodi, benganikezwa is ukuba yilowo nalowo isandla - ukwambula ke emahoreni ambalwa kungenziwa kuphela hacker ongumakadebona, kodwa okwamanje nesikhathi ukwenza lokhu, ukufinyelela ibalazwe, ungahlala ukuvimba ngokuya ehhovisi eliseduze Sberbank noma ngokumemeza sesevisi.
Ubusuku nemini futhi ngaphandle kokushiya ikhaya
Izinzuzo ikhadi lesikweletu ngaphandle kokungabaza
Iluphi uhlangothi noma engela lapho ukubheka ukusetshenziswa kwanoma yisiphi ikhadi - zisatholakala ezishibhile ukheshe noma yamapasi. Uma othile evela izakhamuzi esezikhulile zingaba okwesabisa yokuthi ukudluliswa kanye yokugcina imali incwadi bakwazi ukuthola kusukela yasebhange zenzalo, okungase ulahlekelwe ngokuthola ibalazwe, lapha yonke into yenziwe kahle - isikhundla amacala akhawunti zenziwa futhi ifa ikhadi 3.5% ngonyaka Savings enqwabelene lemali esele ezigcinwe kuyo. Ngaphezu kwalokho, Izitolo okudayisa: izitolo, Pharmacy ukuthi bayingxenye ihlanganiswe ngokukhethekile uthumele kwi-website ye Sberbank uhlu, ukunikeza amakhasimende abo, ngubani ukhokhe amakhadi, Isaphulelo enhle. Kwabahola impesheni, kwakha 2-15% we yentengo.
Enye inzuzo ebaluleke Kuyaphawuleka umuntu owayesethathe umhlala-ikhadi nomphakathi ke kusho ukusetshenziswa elondolo. Endaweni ngayinye, kuhlanganise ezindaweni zasemakhaya, kunamahhovisi we Savings Bank ne ATM ifakiwe, ukufinyelela okuyinto evulekile amahora 24.
Ikhadi, futhi asikho nesisodwa
Imali ngaphansi kolawulo
Ukuxhumana amakhadi. ukuqeqeshwa
Abantu osekuyisikhathi eside wayenesimo sengqondo ezithile emisha, kunzima ukwamukela okuthile ezingase zisishintshe ngokuphelele ukushintsha inkambo ezejwayelekile ezimpilweni zabo, ngisho noma kumnandi futhi kulula ukushintsha izimpilo. ikhadi Social impesheni Libhekisela ngokunembile ukuze ezintsha ezifana. Lapha into esemqoka - ukuze siqiniseke ukuthi konke iphephile. Futhi emva impesheni ukuba anqobe ukungabaza ekuseni futhi mathupha bayakwazisa lula ngizoke ikhadi, ungakwazi ukuqeqesha ke kanye nokusebenzisa kwayo ebanzi, kuze yezitolo kanye namasevisi phezu ukukhokhelwa inthanethi. Indima ukuqeqeshwa wathatha Savings Bank, ihlelwe isikole yesimanje impesheni amakilasi lapho wonke umuntu angakwazi khona umnikazi ikhadi nomphakathi. Ukuqeqeshwa iqhutshwa amagatsha asebhange, futhi nini futhi kuphi ingatholakala legatsha lendawo kanye mathupha futhi ngocingo. Ngaphezu kwalokho, nizifeze zonke lezi imisebenzi edingekayo kwi amakhadi yenzelwe ukusiza Sberbank ibutho consultant, egumbini lokuhlinza ngamunye kukhona eziningana, futhi iklayenti isikhungo ngasinye kungase, uma kunesidingo ukuxhumana nabo ukuze uthole usizo.
Esikhathini Savings Bank ekhadini
Ukuze uthole lapho futhi kanjani ukuthola ibalazwe social owayesethathe umhlala-phansi, ukwenza imizamo ekhethekile kuzodingeka - nje ipasipoti isitifiketi impesheni ukungena kunoma yiziphi emahhovisi Savings Bank. Yiqiniso, kungcono kakhulu ukukhetha eseduze nendawo yokuhlala, njengoba ngezikhathi ezithile lapho kuyodingeka ngiyoyibona. ikhadi Social ikhishwa kuphela kulabo abadala abaye kakade udonseleka imali yayo yempesheni ngokuvumelana nemithetho futhi bangakufakazela ukuba imibhalo yayo efanele - I-Sberbank ngempela abavamile isitifiketi impesheni.
Kwaphela futhi ungene ngemvume ehhovisi imibhalo emibili kuphela: ifomu elithile lokungenela ikhadi bese isicelo sokudlulisa yempesheni ku abadala wakhe kanjalo afeze zonke izenzo ezidingeka kubo ukuthengwa "plastic". Yonke enye into, kuhlanganise ikhambi inkinga nge yesikhwama sempesheni - imisebenzi abasebenzi ebhange.
Ukubuyiselwa kokuphela noma ukulahlekelwa
Uma usekhona umuntu ongabazayo
It lula futhi ithuthukisa
Inqubekela kwenza impilo yethu ngokunethezeka. Futhi uyiphathe khona amagajethi "smart" zibelula. Isizukulwane abasebasha baseRussia eqonda futhi amukela le isikhathi eside, zonke sikagogo nomkhulu wazo. Ukuze ubone bona kangakanani bazimisele ukwamukela into entsha, kufanele uvakashele Savings Bank. Komphakathi impesheni ikhadi, kuphambene abagxeki, eziningi abasebenzisi bayo ukuthanda. Abantu abazimisele ukukhipha umhlalaphansi wakhe, akhokhe Umbuso izikweletu, ukudlulisa imali nezingane zabo nabazukulu. Yiqiniso, kukhona njalo ngumxhumanisi, kodwa ukusebenza elula, abantu abaningi asebekhulile abanakwa bayakwazi bona ngokwabo.
Abanye babeqaphela ukuthi nokuzayo ekuphileni kwabo umakhalekhukhwini, i-inthanethi kanye ongakhetha yayo elula, credit card, besusa isidingo emgqeni ngosuku lokukhokha impesheni, kungakhathaliseki ukuthi sinjani isimo sabo sempilo, noma hlala iwindi elinde the postman. Uma ukuhlola izindawo amabalazwe, abaningi wakhe futhi wayeka.
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