IzimaliAmabhange

Sberbank ikhadi: esikhundleni sawo etimeni letehlukene

Ikhadi Sberbank kuyinto cishe kuwo wonke Russian. Lona omunye ethandwa kakhulu futhi enokwethenjelwa esikweletu zezimali izikhungo, okuyinto ukuphathisa ngemali yabo izigidi zabahlali kanye nezinkampani. plastic Ukukhokha ikhishwa isikhathi esithile, ngemva kwalokho kuba nesidingo ukuze esikhundleni ikhadi. Lapho sibhekana nezimo engahlelelwe: ukulahlekelwa, ukulimala, ukuvaleka, sokushintsha igama kanye nezinye izimo - bakhiqiza reissues Sberbank ikhadi. Ukushintshwa wenziwa omunye amagatsha ebhange. Yini okufanele kwenziwe ngayo le nqubo, ucabangele isihloko.

kuhlelwe kabusha ukukhululwa

Savings Bank ikhipha amakhadi ezivumelekile unyaka kuya kwemithathu, kuye ngohlobo plastic. Inqubo inikezwa ngenxa yezizathu zokuphepha kanye nokuvikela ngokumelene lokwebiwa izimali. Leli esikhundleni amakhadi Savings Bank kuphela kwelinye icala - ngemuva kokuphela kwesikhathi sokusebenza yayo. Usuku olulandelayo kabusha ukukhululwa kuboniswa phezu phambi plastic eduze Okuhle Thru umbhalo oqoshiwe (avumelekile Thru) ngefomethi ye "ngenyanga / ngonyaka." IBhange Uxwayisa omsebenzisi ngezindlela SMS kokwaziswa kwezinyanga ezimbalwa ngaphambi esikhundleni okuhleliwe.

Uma umnikazi akazange abe nesikhathi ukuthola plastic entsha, ikhadi kuphelile ivinjiwe. Sebenzisa ngeke aphumelele, kodwa imali egcinwe kwi ngeke zinyamalale. Bazolala kwi -akhawunti yasebhange.

Okufanele ukwenze ngekhadi aphelelwe yisikhathi?

Iklayenti ye ibhange has ongakhetha eziningana kuleli cala. Okokuqala udinga ukuthola ncamashí ukuhlelwa, kungakhathaliseki umnikazi ikhadi liyadingeka esikhathini esizayo. Sberbank akusho ukuthi abeke imikhiqizo yabo, ngakho lapho umnqamulajuqu osondela esikhundleni esilandelayo, kumuntu ngikhethe

  • ukuqhubeka nokubambisana ngaphansi kwezimo ezifanayo;
  • ukumisa elikhiphe ikhadi;
  • ushintshele komunye uhlelo intela kanye uhlobo plastic.

Kungakhathaliseki izinqumo esenzelwe mina iklayenti, isenzo sokuqala seyiphelelwe kuyoba ukuvakashela igatsha le-Savings Bank. Kungcono eze ehhovisi, lapho ikhadi aphelelwe yisikhathi (ngokuvamile ehhovisi lendawo ekhelini lokuhlala) etholwe. Benesidingo ukuthatha ipasipoti yakho kanye plastic ukukhokha. Ebhekisela uchwepheshe, kubalulekile ukuchaza isimo futhi uthole ukuthi kube khona esikhundleni ngokuzenzekelayo Savings Bank of ikhadi ku yisikhathi. Kulokhu, kungathatha wakhe ukuze ungene amanye amadokhumenti, ngaphandle-ke, iklayenti ongamelene ukuqhubeka nokubambisana.

Lapho ikhadi elisha ayikalungi okwamanje, ugcwalise isicelo khiphani. Inqubo kuvame ukuthatha izinsuku zokusebenza 5. umnikazi plastic ungaphatha imali ku-akhawunti usebenzisa yemali uma kudingeka.

Ukuphikisa isevisi noma ushintsho wemali

Uma ikhasimende yasebhange akasayidingi amasevisi zayo, ukwenqaba ebhaliwe sokukhipha. Old ibalazwe dla futhi ababhubhise. I-Akhawunti ye-oyibamba ngabanye eminye izinsuku 45. Kuyadingeka ukuze kuphelele konke ukuthenga kumephu. Ukuze akhokhe inkonzo yonyaka ngokuzenzakalelayo kabusha ezikhishwe for ikhasimende plastic kumele azise ebhange kusengaphambili ngenhloso yawo sephule inkontileka. Okuncane ukuvuthwa isikhathi esiyizinyanga eyodwa nengxenye ngaphambi kosuku lokuphela kwesikhathi ubuqiniso ikhadi.

Uma wayefisa, ukushintsha uhlelo tariff bese uhlobo oluhlukile ikhadi ikhasimende kugcwalisa ezifanele ifomu lesicelo. plastic Old isusiwe, kodwa izimali eyayiqhutshelwa akhawunti isesekhona. Ungaphatha kubo ngokusebenzisa cashier. Ukwenza ikhadi elisha kuthatha 5 kuya ku-15 izinsuku. IBhange azisa iklayenti ezomlanda ehhovisi. Lapho ukushintshela kolunye esikhundleni kohlelo lwekhadi kumahhala.

Isicelo kabusha udaba inthanethi

Abanikazi of debit card ithuba anakekele esikhundleni esifike usebenzisa "Sberbank Online" inkonzo. Kulokhu, ehhovisi kuyodingeka uvakashele esisodwa - kuphela plastic entsha. Njengoba ezothatha isikhundla Sberbank ikhadi ngemva ukuphelelwa isikhathi kwenziwe ngale ndlela:

  1. Ngena ngemvume ukuze ohlelweni.
  2. Khetha "Amamephu" ingxenye, isigatshana "ukukhipha".
  3. Gcwalisa isicelo.
  4. Hlola ngokunemba we idatha efakiwe bese uchofoza inkinobho "Thumela".
  5. Faka ikhodi wathola SMS-umlayezo.

Kumiswa isicelo, nokuqaliswa kwalo ingaqashelwa lobumfihlo inkonzo ehhovisi "Sberbank Online". Kuyaphawuleka ukuthi lesi sici asitholakali abanikazi wesikweletu. Sberbank kuhlelwe esikhundleni ikhadi mahhala, kungakhathaliseki oda kanjani ukwenza isicelo - ku-intanethi noma ehhovisi.

Izici plastic esikhundleni kwabasebenzi

Debit amakhadi asetshenziselwa inkokhelo, futhi kuncike khiphani okuhleliwe. isikhathi sabo ngokuvamile engu-3. Savings ngesikhathi ngokuvamile ithumela idatha ku ngokuzenzakalelayo kabusha udaba, umnikazi kungaba kuphela ukuza ehhovisi futhi sithathe plastic entsha. Kwesinye isikhathi control inqubo kanye umqashi, ngesikhathi ukuqondisa abasebenzi ukuba igatsha ebhange.

Ngisho noma kubonakala ukuthi siphelile, kumelwe uwenze Sberbank. Njengoba ezothatha isikhundla kwabasebenzi amakhadi senziwa nsé plastic lasebhange ngamunye. Udinga ukushiya isicelo bese ulinda ukukhululwa. Ngemva kokuthola inkokhelo kungaba Ungakhathazeki: lisebenzisa i-akhawunti yasebhange iboshelwe kumephu. Imali ngeke adluliselwe ke, futhi ungakwazi ukususa nabo igatsha Sberbank ekhawunteni. Emva kokuthola imininingwane ye-akhawunti entsha ikhadi musa ukushintsha.

Izizathu esikhundleni unscheduled

Hhayi ngaso sonke isikhathi "ukuphila" kuze kube sekupheleni kwethemu yakhe Sberbank ikhadi. Njengoba ezothatha isikhundla ngezinye izikhathi kudingeka lapho izimo eziphuthumayo zenzeka. Phakathi kwabo kukhona izimo ezivamile ezifana:

  • okulimaza;
  • ukulahleka noma ukweba;
  • "Thatha" ATM;
  • declassification ekhadini idatha.

Lesi senzakalo eziphuthumayo, ukuthi izithakazelo umnikazi kumele ingaxazululwa ngokuthi kabusha udaba plastic. Amacala kanye nezinguquko okubhekiwe kakhulu, lokho eziholela semthethweni ekhadini: Ukushintshwa kwegama (ngaphansi ngowokuqala, maphakathi).

Unscheduled kabusha udaba, kungakhathaliseki ukuthi ngasiphi isizathu - iyisevisi ikhokhwe. plastic okusha izobiza ikhasimende engama-ruble angu-30 kuya ku-150 kuya ngohlobo ikhadi. Akubalulekile ukuba sikhathazeke ngokuthi ohlangothini zezimali kabusha ukukhululwa kwe-abanikazi we-premium plastic. "Igolide" futhi "Platinum" ikhadi ngaso sonke isikhathi esikhundleni nge khulula entsha futhi ngokushesha okuningi kunalokho classical.

Ukushintshwa uma ezilahlekile noma ezebiwe

Isizathu esikhulu engahlelelwe kabusha inkinga zokwebiwa noma ukulahleka plastic. Kuzo zombili lezi zimo, kumelwe sithathe isinyathelo ngokushesha. Okokuqala, udinga ukuvimba ikhadi abahlaseli noma yibo lucky owathola plastic zingagadiwe, asikwazanga ukusebenzisa imali yomnikazi. Ungenza lokhu ngokumemeza isikhungo contact we Savings Bank, ngokuthumela i-SMS (ebukhoneni isevisi "Mobile Banking"), noma ukwenza isenzo ngokusebenzisa iKhabhinethi siqu "Sberbank Online".

Ngemva kwalokhu, sicela uxhumane nehhovisi lika-yasebhange lapho ikhadi yakhishwa. Iklayenti igcwalisa isicelo unscheduled kabusha udaba, ekhombisa isizathu. i-akhawunti yamanje kungenziwa ivaliwe uma oyifunayo, bese uvula esisha, noma ukudlulisa izimali kwenye. Izinsuku esikhundleni Sberbank ikhadi lapho kunyatheliswa unscheduled liyinkathi ejwayelekile - 3-5 izinsuku, kodwa kwesinye isikhathi kunokuriyada (kuze kufike izinsuku ezingu-14).

Inkohlakalo plastic

Ngezinye izikhathi kuyenzeka ukuthi Ikhadi demagnetized noma amakhefu umthelela ngokomzimba. Isimo kubuhlungu, kodwa solvable. Inkohlakalo plastic, nganoma isiphi isizathu, kuholela khiphani engahlelelwe Sberbank ikhadi. Yomiselela Kwenziwa ekwelapheni siqu umnikazi ukuthi ehhovisi sendawo ebhange. Iklayenti unelungelo ukugcina uhlobo olufanayo ikhadi, noma ukhethe yokugibela mnandi. Kuze plastic entsha esandleni ukusebenzisa kusho ukuthi ungakwazi ukusebenzisa i-akhawunti ngokusebenzisa cashier.

Lapho "bamba" ikhadi lasebhange yithuba elihle ukubhujiswa kwalo. Kuyodingeka ukubuyisela algorithm efanayo uma yokulahlekelwa.

Khiphani ekhadini uma uguqula idatha yomuntu siqu

Njengoba ezothatha isikhundla Sberbank ikhadi ngokushintsha amagama elivezwa isikhalazo iklayenti komuntu siqu. Ukubambezeleka ne Ukuvuselela akudingekile ngenxa yezizathu ezilandelayo:

  • uma ulahlekelwa ikhadi bese ukubuyisela ukufinyelela ku-akhawunti ukuvulwa igama umnikazi omdala, kukhona izinkinga;
  • hhayi "pass" ukuthengiselana lokukhokha inkokhelo kanye nezinye imali;
  • ukungafani database ebhange kanye passport kuzoholela ngokuphazamiseka okukhulu.

Faka isicelo esikweletu isikhungo sezezimali elikhiphe ikhadi nge idatha yomuntu siqu ayibalulekile, ngokushesha ngemva kokuthola idokhumenti eqinisekisa ukushintshwa kwegama. Inqubo akuyona isikhathi futhi siqukethe lokhu okulandelayo:

  1. Ixhumana ehhovisi ebhange.
  2. Ukulethwa kwezicelo: idatha yomuntu siqu ushintsho kanye nekhadi khiphani.
  3. Ukuthola ikhadi elisha.

Ngaphezu passport, uzodinga idokhumenti ku ushintsho igama: Isitifiketi esitokisini / isehlukaniso, elinye iphepha olusemthethweni. Khiphani kwenziwe zingakapheli izinsuku 5, kodwa hhayi iqedwe ukubambezeleka. Imali yokulawula isikweleti - ruble 30 150 (okungenani Platinum Ikhadi Gold - ruble 0), kanye nanoma yikuphi esikhundleni unscheduled Sberbank amakhadi.

Ukushintsha kwegama ngokuvamile kwandulelwe ukuhlela umcimbi, ngakho ikhasimende unekhono ukucabanga kusengaphambili kanye nokuhambela ebhange.

Kabusha Ukukhishwa wesikweletu

Njengo-debit, amakhadi okuthenga ngesikweletu abe kwesikhathi usuku esinqunyiwe, okwathi ngemva kwalokho kumelwe kufakwe amasha. Kulokhu, ibhange yokusingatha imithetho akukashintshi: "Sberbank Online" ukuze kwelulwe isikhathi ukusetshenziswa iklayenti, uma uthanda, mathupha noma ngokusebenzisa isimiso ngokufaka isicelo khiphani. Nakuba iningi lemikhandlu inhlangano ukhathalela isandiso yabo ikumodi othomathikhi.

Nokho, ulungele credit card ngeke ukwazi umnikazi bonke Sberbank ikhadi. Ukushintsha ukwelulwa kwenkontileka itholakala kuphela amakhasimende:

  • Awunawo izinkokhelo sekwephuzile;
  • ngenkuthalo ukusebenzisa ikhadi, okwenza non-cash futhi imali imisebenzi;
  • uqinisekise solvency.

Kuhlelwe kabusha ukukhululwa imahhala futhi ngokuvamile okuthatha izinsuku ezingu-3-5 zokusebenza. Uma ufisa ukulahla ikhadi lesikweletu kumele azise ebhange izinyanga eziyisithupha ngaphambi kokuphela kwesikhathi salo.

esikhundleni unscheduled amakhadi asebhange Savings Bank Kwenziwa ngumuntu siqu ukuvakashelwa umnikazi efanayo sokukhipha lasebhange plastic. Ukuze wenze lokhu, uma isicelo futhi imibhalo edingekayo. Inqubo izobiza ruble 150 amakhadi zakudala. Igolide abanikazi credit card kanye inkonzo Premium imahhala.

Yiluphi ulwazi sishintshwe kabusha ukukhululwa?

Ukubuyekeza ulwazi imephu ukuze umnikazi akuzona ngabandayo ngalokho kuyoba ikhanda entsha. Lapho yezinguquko kuhlelwe kuphela ukhipha ikhodi CVV2 / CVC2-ukuphepha elise ohlangothini emuva, futhi sezibaliwe. Mhlawumbe, i-PIN-ikhodi siyoshintshwa. inombolo yekhadi lihlala linjalo.

Lapho unscheduled kabusha ukukhululwa ngenxa ushintsho-data yomuntu lezi zinguquko ezingenhla ungeze nesibongo entsha. Uma kwakuba khona ukulahleka noma ukweba, intando kanye nekhadi inombolo entsha. Noma we izimo kungenzeka, imininingwane ye-akhawunti izohlala injalo.

Inani elikhulu labantu abathola inkokhelo plastic ngakhonza PJSC "Savings Bank". Yomiselela namakhadi ukuphelelwa isikhathi cishe njalo kwenziwe ngokuzenzakalelayo, ikhasimende badinga kuphela likhiphe ehhovisi. Esimeni izimo eziphuthumayo kufanele uvule ebhange bebodwa noma ukusizakala isevisi "Sberbank Online".

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