Uphenyo "Tinkoff" ebhange: imicabango yabantu amakhasimende '

Ibhange "Tinkoff" yoqobo kwasekuqaleni ukuze akanayo Amahhovisi amagatsha: yonke imisebenzi eyenziwa nge-Internet. Ngesikhathi esifanayo akakholelwa inhlangano engokomthetho olusemthethweni, sekuyisikhathi eside ezisebenza ngempumelelo emakethe Russian zezimali. Kule ndaba, ungalethemba inkampani, naphezu kweqiniso lokuthi kuba uhlobo ebonakalayo. Yebo, futhi izibuyekezo "Tinkoff" ebhange kusuka amakhasimende amaningi kwafana abazi uthemba inkampani, ngisho ngendlela eyinqaba ... Kodwa ngezinye izikhathi zikhona okuphambene ngokuphelele, uthukuthele futhi ngithukuthele. Nabo futhi, angabi nokuncane kakhulu. Ubani okumelwe ubakholelwe? Ukuze uqonde lokhu, omunye kumelwe baqonde okushiwo izimangalo.

Ngoba bona bathanda yasebhange "Tinkoff"? I-agumenti abasekeli

Bank abathandwa amakhasimende amaningi, ikakhulukazi labo abathola imali-mboleko lapho. Ngokuvamile kuba izinhlobo ezimbili ababoleka. Eyokuqala - labo konke esiphethweni kusengaphambili, lezi zimfuneko kushiwo ekhadini futhi ukhululekile nabo. Okwesibili - labo ngokuphambene ayithandi kubhekwe, noma akazi ukuthi. Into esemqoka - ukuze uthole credit, kodwa kanjani nokuthi ubudala ibalwa, ke wonke efanayo.

Labo abamagama izibuyekezo "Tinkoff" ibhange kuphela omuhle, eqondiswa lezi zinto ezilandelayo:

- kalula ukuthola ikhadi - ngomqondo wokuthi ukwamukelwa ukufeza kakhulu kulula kuka kwezinye izinhlangano eziningi;

- ezingu-55 ngaphandle kwenzalo;

- inkokhelo encane ubuncane;

- ikhono ukuboleka imali buye futhi buye;

- Bank avulekile (inqobo nje uma inkokhelo eyenziwe ngesikhathi noma kusengaphambili).

Abatshalizimali nabo bayakujabulela: namuhla inkampani kahle kungase kutholakale, ubhekwa njengomuntu onokwethenjelwa futhi njalo ukhokha inzalo, okuyinto impela high ngezindinganiso yesimanje.

Ngokwalokhu esesixoxe ngakho okushiwo ngenhla ku ebhange "Tinkoff" ungaba muhle, futhi lutho eziyinqaba kule, ngisho nalabo abangahambisani nemibono of abayithandayo yakhe. Kodwa cishe ngeke bushelelezi kunjalo, ngenxa nje yokuthi abantu abaningi nangabe ungajabuli emshadweni? Ingabe kukhona izici ezingezinhle?

Mhlawumbe wonke umuntu uyazi ukuthi kukhona ukubuyekezwa okubi ka "Tinkoff" ebhange. Njalo ukuthi kazi yimiphi ixhunywe. Mangisho ukuthi phezu idiphozi umshwalense kanye debit card kukhononda ezingavamile kakhulu, kunzima ngisho ukuthola. Njengoba ingxenye enkulu yomsebenzi ukubolekisa ewela, kulesi simo amakhadi. Nazi ezinye izibonelo, okuyizinto ezivamile, futhi sizogxila kanjani umgomo ngamunye.

Ikhasimende uthola ikhadi lesikweletu, ukuchitha imali naye, futhi ngokushesha uthola ukuthi i-akhawunti yakhe yonke ihlumela ngenyanga ngokucace kakhudlwana amaphesenti othenjisiwe. Izinga uya - 36%, kodwa empeleni, kunezinguqulo ezingaba ngu-48%, ngisho kancane. Lapha kumelwe siqonde ukuthi isizathu - imali yomshuwalense. Futhi, kukhona icala "SMS-Banking". Yingakho lemali liyakhuphuka. Noma yimuphi enjalo bhala-off ungaphakathi etafuleni, okungase kubhekwe kusayithi.

Yiqiniso, kuba udelela. Kodwa liye bhalisiwe kusengaphambili. Ngaphezu kwalokho, kuyinto evamile ukuba iningi amabhange, "Tinkoff" okungenani kunikeza akhiphe. On ke ungabona ukuthi kwenzakaleni ngemali, futhi kwakungadingeki ukuba oda ke ngokukhethekile.

Futhi yilokho ibhange ngempela abanesono? Yini ikhasimende negative nokubuyekezwa "Tinkoff" ebhange angabhekwa umgomo?

1. Esikhundleni othenjisiwe "imizuzu 5 ukucubungula isicelo," lo muntu obolekayo uthola izinyanga .... Ngokuvamile ucingo etholakele ebhange lapho akekho ucabanga ukuthi uyeza.
2. Khona-ke ungakwazi ezingaphezu kuka iviki elilodwa okumele uyilindele lapho ehambisa kuyoba ihora mahhala ukulethwa ikhadi.
3. ezingu-55 lizokhanselwa ngokuzenzekelayo uma uthathe imali (lesisono cishe zonke amabhange). Uxwayise ngakho ngeke ngisho babe inkontileka.
4. Izingcingo on isidingo ukwenza inkokhelo ingene isonto ngaphambi kosuku lokugcina.

Isiphetho ilula: hhayi ukubhala kamuva mayelana nokubuyekezwa ezimbi "Tinkoff" BANK, kufanele anake inkontileka, ukuze izibalo, futhi acabangele okulotshwe Kulolu hlu olungenhla. Ingabe ukulungele lokhu? Ngabe lokho kuhambelana nawe? Uma kungenjalo, khona-ke thola elinye ithuba. Uma kunjalo - thatha ikhadi futhi khumbula mayelana amaphutha.