Uma sihlaziya supply izikhungo zamabhange akuleli ngokuya imikhiqizo ikhadi nge umkhawulo wesikweletu, kuyacaca ukuthi i-credit card Savings Bank, ukubuyekezwa okuyinto iningi labo omuhle, ingumkhiqizo ezithakazelisayo kakhulu. Phakathi zako ezisemqoka yilezi:
• ongaphakeme lenzalo;
• Ukuthuthukisa inethiwekhi igatsha.
Ungase ubuze ukuthi exhunyiwe inethiwekhi amahhovisi (amagatsha) kanye nekhadi lesikweletu? Sberbank (kobufakazi zabantu, futhi esemthethweni iwebhusayithi qinisekisa lokhu) has ngaphezulu kuka-19 000 amahhovisi ayo omele eRussia, kuhlanganise amagatsha zesifunda 17. Lokhu kusho ukuthi umnikazi womkhiqizo, okukhulunywa ngakho, elingangena ngokuphepha zisebenza kunoma yikuphi kuzo ukubhekana nezindaba zamanje. Kuyacaca ukuthi, kuhle, okungcono ukusebenza uMnyango lapho ikhadi etholwe. Kodwa esimweni esiphuthumayo ngeke ikhasimende efanayo ukulinda uhambo, isibonelo.
amabhange Domestic kukhona abaqaphe kakhulu endabeni uboleka ngabanye. Kuyinto ayihlukile neze futhi Sberbank. Credit card (izibuyekezo ingatholakala kalula, isibonelo, World Wide Web) ikhishwa ukuze izakhamuzi abaye efinyelela eminyakeni yobudala engu-21. Ngokuqondene nobudala esiphezulu umboleki, akufanele idlule engu-52 ngesikhathi sokubhalisa. Futhi kuphoqelekile kuba ukuba khona okuqhubekayo kobudlelwano emsebenzini izinyanga ezingu-12. Ngesikhathi esifanayo umboleki nebangomuso umsebenzi wokugcina kumele asebenze ubuncane 6 izinyanga. Uma iklayenti ihlanganiswa ngokugcwele ngaphansi kwalezi zimo, khona-ke ungakwazi ngokuphepha ukuya egatsheni eliseduze. Ukungazikhohlwa ukuthatha ipasipoti yakho futhi isitifiketi, eveza ubukhulu nomholo yayo esemthethweni phezu ezinyangeni eziyisithupha ezedlule.
Kufanele kuqashelwe ukuthi le Savings Bank credit card iqoqa wokubuyekezwa okuvumelekile. Ngokwesibonelo, kungase okunikeze ku osomabhizinisi ngabanye. By the way, akuzona zonke yasebhange Russian inikeza le sevisi.
Ngokuphathelene tariffs, ke wathi isikhungo sezezimali imele esixukwini. Ngokwesibonelo, i-ukusetshenziswa waboleka imali abanikazi "igolide" amakhadi (Visa kanye MasterCard) akhokhe 17,9% -23% ngonyaka. Ephansi - MasterCard Standard kanye ne-Visa Classic - kubiza umnikazi we 19% -24% ngonyaka. Uma ukubuya imali ngesikhathi nesikhathi esibekiwe, i-credit card Savings Bank (izibuyekezo wangempela ababoleka, lokhu kuqinisekiswa indlela) kunikeza ngempela ithuba ukusebenzisa izimali cishe ngaphandle kwenkokhiso. Phawula igama lesibili kwesikhathi somusa - umusa-isikhathi.
Ekugcineni Ngithanda ukusho ukuthi hlobo "credit card Savings Bank amazwana" okufunekayo zingatholakala ngempela engemihle futhi ngokweqile abanikazi bamakhadi ngokomzwelo amazwana. Ucwaningo eningiliziwe isimo, okuyinto eyenzeka ukuba izakhamuzi, kuyacaca ukuthi ezimweni eziningi ebhange Akunakusolwa, kodwa isisebenzi esithile. Lokho eziyihlazo isici womuntu. Kusobala ukuthi umsebenzi oyedwa hhayi onganquma okufanele mayelana lonke uhlelo. Kodwa ekuphileni kuba nokunye kuvela.