Ikhadi lasebhange elinokulungiswa kwamahhala - Malini mahhala? Umgodi onomthombo wamanzi
Uma uvuma ukubekezelela izimo zebhange noma ngamathuba anciphile. UPintolk uchaza ukuthi ungayikhokheli kanjani insiza yonyaka futhi ungagijimeli ezinkundleni
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Mahhala, kepha ...
Ingabe ikhadi lesondlo lingaba mahhala? Emthiyori, ibhange kufanele liphathe ukulahleka okujwayelekile kumakhadi anjalo, ngoba ukusebenza ngakunye kusho ezinye izindleko zangaphakathi. Kodwa-ke, i-bherr enkulu kunazo zonke eRussia, futhi kanye namanye amabhange anikezwe amakhadi wesikweletu nawebhange iminyaka eminingana, ethuthukiswa ngokuthi "mahhala".
Isibonelo, hhayi ukukhokhela ukulungiswa kwamakhadi athile, udinga ukusebenzisa ukuthenga kusuka kuma-ruble angama-3,000 kuye kwangama-7,000 ngenyanga noma njalo ugcine ikhadi okungenani ama-ruble angama-20,000 - 50,000.
Isebenza kanjani? Isibonelo, uJulia unekhadi lomholo, ukugcinwa kwalo angamlahlekisi, njengoba ikhadi likhipha umqashi ophethe isivumelwano sabaholo nebhange. Futhi uJulia unekhadi lokudonswa kwemali ebhange elifanayo neKesbank, insizakalo yanyanga zonke ibiza ama-ruble angama-150. Lokhu kuwumzuzu, ama-ruble angama-1800 ngonyaka. Kepha uJulia akakhokhi uJulia ngokusebenzisa leli khadi, ngoba izaziso ze-SMS zikhule isikhathi eside (zigcina ama-ruble angama-720 ngonyaka), futhi mahhala imali yakhe ekhadini lamaholo. Ngasikhathi sinye, uchitha ama-ruble angaphansi kwama-5,000 ngenyanga ekuthengeni ekhadini lokudonswa kwemali ngenyanga, afeze isimo esinikezwe yibhange.
Ngokushesha, kepha ufile?
Kulabo abangahleli ukuthola amaphesenti kusuka esele, amanye amabhange asanikezela nge- "Instant" maqondana ne-Amamephu yenkokhelo yonyaka engathathi imali ekhokhwayo noma ama-300. Amakhadi Okukhishwa Okusheshayo (ngokweqiniso "ukukhishwa" okusheshayo ") akhishwe ngokushesha lapho ukuxhumana nebhange.
Igama lomnikazi alikhombisi igama lomnikazi, kepha linazo zonke ezinye izimpawu zekhadi lasebhange lakudala:
- Inombolo kanye nesikhathi sokuvumalwa kwekhadi kuncishiswa ohlangothini olungaphambili;
- Kukhona ukufinyelela kwezinsizakalo eziyisisekelo, kufaka phakathi inkokhelo engenamxhumana;
- Ngokuthenga kungathola amabhonasi;
- Ungabopha inkokhelo kunoma iyiphi imali;
- Imephu iboniswa ebhange leselula.
Izimo zokuhlinzeka nge-Debiting Card Master Insurance Inkinga esheshayo zingaba nzima ngokuqhathaniswa ne- "Classic": Umkhawulo wokususa imali uzoba ngaphansi, neKhomishini yayo ephakeme - ephakeme, inzalo esele ibhalansi kungenzeka inganqobi nhlobo, futhi okuthengile kungenzeka ingatholakali kuzo zonke izitolo eziku-inthanethi. Ngaphezu kwalokho, ezinye izinsizakalo (izaziso zokucindezela, izitatimende ezincane kuma-ATM, njll.) Kumakhadi we- "Instant" anganikezwa ngemali ekhokhwayo.
Ukuthi "ushizi" kakhulu
Ngokuqondene namakhredithi wamahhala, kufaka phakathi i-nonienneal ne- "Instant", khona-ke konke kuncike kwi-Tariff: Amabhange avame ukubeka imibandela yokulungiswa kwamahhala.
E-VTB, ngokwesibonelo, kukhona i-CREDIT "Yethuba Lethuba" - Kuqala kumahhala, kepha uma ixhumeke kuhlelo lwebhonasi, imali yonyaka izoba ngama-ruble angama-500.
I-BankNote "ungaxhunyaniswa konke" iRosbank ngokushesha kuxhumeke ngokushesha ku-Keesh, kepha ukulungiswa kwamahhala, inzuzo yanyanga zonke emephini kufanele ibe ngama-ruble okungenani angama-15,000. Kwamanye amabhange "afakwa", inani lokuthengwa ekhadini lesikweletu lingasukela ku-7,000 libe ngama-70,000 ngenyanga, futhi lisebenzisa imali encane, insizakalo ifakiwe ngokuzenzakalelayo.
Kwenzeka ukuthi amakhadi wesikweletu akhishwe futhi asetshenziswe mahhala futhi abonakala ngaphandle kwezimo, kepha zonke izinzuzo zidla amaphesenti aphezulu (kusuka kumaphesenti angama-20 nangaphezulu), ukuntuleka kwe-cachesback kanye nesikhathi esifushane somusa. Ngakho-ke funda amanani entela ngaphambi kokuvuma "ushizi wamahhala".
Muva nje, amabhange aya ngokuya enikeza amamephu wedijithali wamahhala angenayo abezindaba. Ngokungafani namakhadi we-virtual, okuhloswe ngawo ukukhokha okuthengile online, amakhadi anjalo anawo wonke amathuba "epulasitiki" ejwayelekile. Kuliqiniso, azitholakali kuwo wonke umuntu.
Akunakwenzeka ukulahlekelwa yikhadi ledijithali, kunzima ukukuntshontsha, kodwa ukuze ulisebenzise esitolo esingaxhunyiwe ku-inthanethi noma ususe imali esitokisini esingaxhunyiwe ku-inthanethi, udinga i-smartphone nge-module ye-NFC kanye nensizakalo exhunyiwe ye-Apple Pay, noma i-samsung pay, noma inkokhelo ye-Android. Maye, akuwona wonke amakhadi edijithali angenasevisi ngaphandle kwezimo ezengeziwe, ngakho-ke kufanelekile ukuhlola ngokucophelela izidingo zebhange ngaphambi kokulahla ngokuphelele "ipulasitiki".
Ezimweni ezifanayo, lapho imali ekhokhwayo yekhadi ekuqaleni ihlinzekelwe yimali ekhokhwayo, ngeke kwenzeke ukuyithumela: Ibhange lizomane lisuse inani elidingekayo. Ngasikhathi sinye, nge-minus, ngisho nekhadi le-DEBIT "le-zero" ngeke lishiye, kepha imali izohamba, ngokushesha nje lapho kutholwa khona inkokhelo - ngakho-ke kuze kukhokhelwe zonke izikweletu. Endabeni ye-Overdraft exhunywe noma ngekhadi lesikweletu, isimo sinzima ngokwengeziwe: ungaqiniseka ukuthi asikho isikweletu emephini, kepha ngemuva kokubhala isikweletu senkonzo, kungenzeka ukuthi sibhale isikweletu senkonzo, imali mboleko engalindelekile.
Ngamafuphi, ibhange lihlala linenzuzo yalo: ukumemezela amakhadi wenkonzo yamahhala, usathola eyakhe - kweminye imikhiqizo ye-premium, amaphesenti wozakwethu, izinsizakalo ezengeziwe, noma amaphesenti okuthola imali ngaphezulu komkhawulo. Kepha uthando lwamakhasimende kuya kuma-freebies aluhlangene, futhi amabhange asekela kuphela futhi asetshenziswa ngempumelelo. UTom nokuma.
