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. Sberbank ikhadi kwabahola impesheni sinikezwe imisebenzi efanayo kudedelwa iqembu ebanzi abasebenzisi: kungenzeka ukukhokha Izitolo okudayisa esiqokiwe brand Maestro, baphathe ngezidingo, udlulisele imali ku-akhawunti izihlobo nabangane njengesipho noma imali-mboleko. Futhi lokhu udinga ukufunda imisebenzi ezimbalwa ezilula ngesikhathi ATM, ezinikeza cishe noma yimuphi umuntu osekhulile.

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. Kulabo abangenalo ulwazi olwanele - shayela evela efonini ephathekayo lapho ebona inani eziphuthumayo imigqa nhlobo yonkana Russia nganoma yimuphi umhlinzeki isevisi. Umangele kanjani futhi kuphi ikhadi kwezenhlalo, impesheni asikho isidingo - konke kwenziwa kunoma yiliphi elinye lamagatsha we Savings Bank.

Ubusuku nemini futhi ngaphandle kokushiya ikhaya

Abasebenzisi be-intanethi, ngisho noma cha ngempela uhlangabezane, kodwa okungenani ibe amakhono ayisisekelo kalula ukufunda okunye ukukhetha elula kakhulu - ukwenza izinkokhelo ohlelweni akude. Iwebhusayithi Sberbank ngempela lweselula, uphinde wenze lula ukusetshenziswa lingaphezulu kakhulu izinhlelo ezifanayo ze-inthanethi kwamanye amabhange. Mhlawumbe, kukhona ezinye izibalo on kangaki isicelo ukwenza izinkokhelo nge-Internet Muscovite ikhadi kwezenhlalo, impesheni, kodwa uqaphele ukuthi akudingekile ukuba singaphethi ngokuthi ukusetshenziswa njalo ngaphezulu amakhadi epulasitiki esivamile kubantu abahlala emadolobheni amakhulu. Yiqiniso, umuntu akakwazi uphike amacala lokukhulumisana ne "plastic" kusukela umhlalaphansi kanye asemaqaqasini yasemakhaya - konke kukhona, kodwa baya bazi izinzuzo zamakhadi kuyinto ezindaweni ezisemadolobheni amakhulu lapho ezishintshayo kuyinto ngokuqinile yonke imikhakha yempilo nje emashumini ambalwa eminyaka edlule. Yiqiniso, phakathi nalesi sikhathi umhlalaphansi eziningi zamanje bakwazi ukufunda futhi amakhompyutha, kanye ne-internet. Komphakathi impesheni ikhadi nesifunda eMoscow ejwayele inqubekelaphambili neze badikibale noma kusimangaze imisebenzi yabo. Kuyinto ngisho icatshangwe ukuthi uyajabula kuphela.

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

Ukwenza ikhadi kwezenhlalo, ibhange zonke consultant lithathe umhlalaphansi baxwayiswa ngokuthi ke bona Ungamukela futhi ngaphezu amakhadi ambalwa kwabanye abantu. Kungaba abazukulu, izingane, ngisho omakhelwane ukuthi izithakazelo impesheni uzokhokha yakhe ishayise izikweletu, ukuhoxisa ukheshi nokufeza eminye izinkokhelo kuso. Kafushane, kungenzeka ukuthola labo bantu ongamenza ukuphathisa ngokuphepha imali yabo. Abanye abantu abadala esenziwa esimweni sabo somzimba kunzima ukuthenga bebodwa, ezinye zazo ngoba impesheni abakwazi njalo. Yilokho ngazo futhi wanakekela Sberbank. ikhadi Social impesheni futhi lula ubudlelwano kanye izinkokhelo, nokunakekela izihlobo. Kaningi, amakhadi ezengeziwe ithole usizo ngokwezimali abazukulu - lahumusha ingxenye ethile impesheni. Ukuze uthole amakhadi eyengeziwe kufanele uthintane igatsha ebhange, okuyinto ukuhamba izimali ku-akhawunti, lapho isicelo olufanele. Amanani ukuthi uzobe idluliselwe kwabanye abantu kungenziwa ngokuqinile fixed, ngoba ukuthembeka okukhulu. Iphinde kumele iboniswe esitatimendeni.

Imali ngaphansi kolawulo

umhlalaphansi Ohlakaniphile, ngisho othembela izihlobo zabo ngokuvamile ufuna mathupha ukulawula imali yabo siqu: kusengozini beza noma incwadi. Ukukhishwa amakhadi social kwabahola impesheni It kwenziwe nge isaziso kufanele kwenziwe uma ngabe kuboshelwe ke ibhange mobile ke yonke imisebenzi ukuze kwenziwe kumephu, kuya Inombolo yeselula okuyinto kufanele akhonjiswe esitatimendeni, uzothola umlayezo wombhalo ekhombisa isamba kuthengiselana. Telephone kulokhu ukhonza njengomdala idivayisi eyengeziwe elilawulayo, kusukela iyiphi idatha kungaba ihlolwe nganoma yisiphi isikhathi. yasebhange Hambayo - iyisevisi ikhokhwe, kodwa ukhululekile kakhulu, futhi ibhodi nakanjani amancane: ruble 30 kuphela ngenyanga. By the way, ifoni kungahlanganiswa futhi imisebenzi ukuhanjiswa kwemali kanye ezengeziwe amakhadi, okuyinto ekhishwe phezu lokusebenza ekujuleni kwenhliziyo. Khona-ke impesheni uzokwazi ukubona ukuthi wachitha yonke imali yayo yempesheni.

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

ikhadi Social isebenza iminyaka emithathu. Usuku lokuphela kwesikhathi ukusetshenziswa kwaso, uma babefisa, kungaba njalo bayovuswa kumemori - ohlangothini front of the "plastic" ohlwini nesiqu konyaka nenyanga ekupheleni kwesikhathi. Kubalulekile ukukhumbula ukuthi ikhadi isebenza kuze kube yilapho owokugcina (okufakayo) ikhalenda usuku lwenyanga. It is ke, uma uthanda, kungenziwa ikhishwe. Nokuthi zonke izenzo ku kabusha yokubhalisa umsebenzi ngendlela efanele futhi ngesikhathi, kungcono ezinyangeni zokuqala we kokuphela kwesikhathi ukusetshenziswa, iya egatsheni we Savings Bank, lapho plastic ikhishwa, futhi ukwazi kusengaphambili ukuthi ukunweba impesheni ikhadi nomphakathi. Ibhange kungase ngokuzimela ukuqalisa khiphani ngokuzenzekelayo amakhadi, kodwa uma iklayenti ngeke awusafuni ukuyisebenzisa, kufanele sazise abasebenzi isikhungo sezezimali izinsuku okungenani ikhalenda 60 ngaphambi umnqamulajuqu ukusetshenziswa ikhadi elivumelekile. Uma ulahlekelwe "plastic" kumele azise ebhange ngokushesha ngangokunokwenzeka.

Uma usekhona umuntu ongabazayo

Ngaphandle zonke izinzuzo ukuthi sezivele okukhulunywa, uma usebenzisa ikhadi, ungakwazi futhi ukuqoqa amaphuzu kusukela ebhange uqobo. Amakhadi "Maestro" uchungechunge "Social" kufaka phakathi ibhansela nomkhankaso okhethekile "Ngiyabonga kusukela Savings Bank", owawuthi noma iyiphi ukuthenga esakhokhwa ikhadi, umvuzo amaphuzu wakhe ngesilinganiso kwesigamu amaphesenti omunye yentengo. Lezi izikolo ngemva buthelela ngokwanele imali ukuthengisela, engasetshenziswa uma izimpahla ukuthenga bathandile kwelinye Izitolo, okungukuthi uzakwethu we Savings. Futhi-ke, ibalazwe nezenhlalakahle impesheni "Maestro" lubaluleke uhambo olude, isibonelo, ukuhamba. Kunoma zokuhlala ezweni lethu, futhi cishe wonke umuzi omkhulu phesheya kukhona amagatsha Savings Bank of Russia, kanti kwamanye amadolobha futhi asikho nesisodwa lapho kungenzeka kumephu ukheshi iyatholakala ku-akhawunti lemali ukukhokha ukuthenga yayo, indawo yokuhlala kanye namanye amasevisi. Futhi ngesikhathi esifanayo - ngakhathazeki ngokulahlekelwa imali!

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.