Amakhadi-mboleko e-Alfa-Bank: iimeko, inzala, imithetho yokubhalisa, iintlobo kunye nokuhlaziywa

"I-Alfa-Bank" yinhlangano yezemali ebandakanywa kwi-Top-10 eRashiya. Futhi ithatha indawo yesi-7 kwindawo. Ukususela ngoDisemba 2016, umthamo wezinto zayo iingu-2.34 trillion ruble. Iinkonzo zebhanki zisetyenziswe ngabantu abayizigidi ezili-14 (kwaye ngaba ngabantu kuphela). Kwaye umbutho ngokwawo ukhuphula umnxibelelwano wayo rhoqo kunye namasebe amatsha kunye neeofisi zokusebenza. Yaye inkonzo eyaziwayo kakhulu yikhadi lamatyala e-Alfa-Bank. Imiqathango yabaxhasi ihluke kakhulu. Kodwa malunga neerhafu zonke eziyimfuneko ukuthetha okufutshane.

«Ngaphandle kweendleko»

Leli igama lohlobo lokuqala lwekhadi endifuna ukuthetha ngalo. Le ntlawulo ibandakanya umrhumo wenkonzo wamahhala, ukongeza izaphulelo kwikhadi lebhonasi, isantya se-23.99% ngonyaka, kwanokufikelela kwiintsuku ezingama-60 ngaphandle kokufumana umdla wokusebenzisa imali kunye nomda we-rublethi angama-300,000. Amakhadi ekwereti e-Alfa-Bank athandwa kakhulu. Iimeko zibonakala zinenzuzo. Ngaba zikhona na iingcingo?

Ngoko ke, ikhadi linikezelwa mahhala. Unyaka wokuqala wesondlo awukho mfuneko yokuhlawula. Okwesibini kuya kufuneka - i-ruble 990 ngonyaka. Ukurhoxiswa kwemali bathabatha ikhomishini (ubuncinci bama-ruble angama-500, isilinganiso sama-5.9%). Kukho umda. Ngenyanga unokurhoxisa ama-ruble angama-200 000. Kwaye ukuba kube ngakumbi, ii-ruble ezingama-188,200. (Ukuqwalasela ikhomishini eyaziwayo).

Kwimanyathelo amathathu anjalo ngekhadi lesikweletu elenziwe yi-Alfa-Bank. Imiqathango yile ndlela ilandelayo: umntu kufuneka azalise isicelo esisekhompyutheni, ulinde ukuvunyelwa uze uze eofisini ngamaphepha. Umgangatho osemgangathweni - ipasipoti yommi waseRussia Federation kunye nenye into ekukhethileyo (ilayisenisi yokuqhuba, i-SNILS, i-MHI nkqubo, ipasipoti, i-TIN, ithikithi lempi, njl.).

"Iintsuku ezili-100 ngaphandle kwe%

Le ntlawulo kufuneka kuphawulwe xa uthetha ngamakhadi ekwereta e-Alfa-Bank. Imiqathango yile ndlela ilandelayo: umntu uyalela ngokwakhe "iintsuku ezingama-100 ngaphandle kwe-%" mahhala kwaye angayisebenzisa iintsuku ezili-100 ngaphandle kokucinga ukuba uya kufuneka ahlawule umdla. Ukuba umthengi unethuba lokubuyisela imali echithwe ngaphambi kokuba ixesha elidlulileyo liphelile, akayi kulahlekelwa nantoni na.

Kukho iintlobo ezintathu zekhadi - i-Classic, iGolide nePlatinum. Ziyahluka kwiimali zemali-150, 300 ne-750 zama-ruble, ngokulandelanayo.

Kubalulekile ukuba uqaphele ukuba kunenzuzo kakhulu ukuyiqulunqa kwabo abanomvuzo wemivuzo ye-Alfa-Bank. Kubo, isantya sonyaka siya kuba ngu-26.99%. Umda wokurhoxiswa kwemali ngenyanga i-ruble ezingamawaka ezingama-60. Kodwa le yinto yeClassic. Kubaphathi bePlatinum, umda ungama-ruble angamawaka ama-200. Ngokubanzi, eli khadi lekhredithi ye-Alfa-Bank "iintsuku eziyi-100" kunenzuzo. Iimeko ziyacaca, kwaye amaxwebhu okubonisa ayimilinganiselo. Ngendlela, akusayi kuba nesidingo solwazi olongezelelweyo ngefom yerhafu yengeniso.

Ezinye iinkalo

Oku akukona konke okufanelekile ukwazi umntu ofuna ikhadi lekhredithi ye-Alfa-Bank. Imigaqo yokusetyenziswa inenzuzo kakhulu, kodwa nabo abathengi bafumana amanye amathuba. Ukongeza kwithuba elingenasithakazelo, ekhankanywe ngasentla.

Ngoko, umzekelo, inkokhelo encinci i-5% yemali yetyala. Omnye umntu unako ukulandelela zonke iindleko kunye nemihla kwibhanki yeselula yanamhlanje kunye ne-Alfa-Chofoza. Kukho nesicelo - unokukhetha ukuba ubani olungele ukuyisebenzisa. Yaye unako ukuhlawula amatyala akho nakwiimali ezivela kumakhadi kwezinye iibhanki.

Ngendlela, ngezi zicelo ungacela nayiphi na ulwazi malunga ne-akhawunti ye-credit. Umntu uya kunikwa idatha apho imali yakhe kunye nemali enyanzelekile ukuyihlawula iya kubonakala njengepende kwiikopi.

Ulwazi olubalulekileyo

Kufanelekile ukunikela iimpendulo kwimibandela abantu abayabuzayo xa bekratshi ikhadi.

Ngoko ke, yokuqala yikhomishini yenkonzo. Kuhlawulwa kwi-akhawunti ngosuku olulandelayo emva kokuba ikhadi lekhredithi lenziwe.

Iyesibini yenzalo yesantya. Kuzo ngamnye umntu. Kule nkcazo i-data echaziweyo ichazwe, kodwa izinga lokugqibela lichongiwe ngabasebenzi bebhanki. Kufuneka kukhunjulwe: amaxwebhu amaninzi ekuqinisekiseni ukuthungulwa komthengi uya kunika, kuya kuba yimiqathango kuye.

Okwesithathu ngumda. Unalo ikhadi laluphi uhlobo. Ndingayenza ntoni ukuba umda wam uphelile? Kubalulekile ukuhlawula ityala-ngokupheleleyo okanye inxalenye. Emva koko, unokuphinda usebenzise ukuthengiselana ngaphakathi komda.

Kwaye okwesine ukugqithiswa yilexesha elifanelekileyo. Umntu unokusebenzisa ikhadi ngeli xesha elikhutshwe ngayo. Ixesha liboniswe kwicala langaphambili. Xa ephelelwa yisikhathi, umntu uya eofisini, apho uya kukhutshwa ikhadi elitsha lekhredithi ye-Alfa-Bank. Iimeko zokufumana zilula, kuba kuyimfuneko, eqinisweni, ukwandisa inkonzo.

"Amabhinqa"

Le yinye intlawulo enomdla, endifuna ukuyithetha ngamagama ambalwa. Ngokusekelwe kwigama, kuyacaca ukuba abathengi banikezwa ngamathuba amabini kunye nokutsha.

Ngoko, imeko yokuqala yimihla eyi-100 ngaphandle komdla kwiirhafu kunye nokuthengwa. Umda wecaleni lekhredithi ngu-300,000 ruble. Ukukwazi ukuhlawula nge-Samsung Pay kunye ne-Apple Pay. Umyinge omncinane wenzala uqala ngo-26.99%. Izaphulelo eziphezulu zifumaneka kwi-Gold side side. Yaye inkonzo ibiza kuphela i-ruble ezingama-2490 ngonyaka.

Yintoni enomdla: eli likhadi elikhethekileyo, elingenalo imizekelo kwiRussian Federation. Kukulungele ukusebenzisa ngenxa yenjongo yayo yonke. Elinye ikhadi kumsebenzi wonke!

Njalo kwicala lekhadi linalo ip, inombolo, i-PIN-code kunye nomgca wamagnetic, okwandisa ukuthembeka nokukhuselwa kwayo. Mhlawumbi, eli leyona makhadi aphezulu kakhulu akhutshwe yi-Alfa-Bank.

Imiqathango yokurhoxisa imali yilezi: 4.9% yekhomishini yesixa, kodwa ubuncinane ubuncinane bama-ruble angama-400. Umyinge wenyanga u-120,000 ruble.

Ukuzonwabisa

Amakhadi eentengo ze-Alfa-Bank, imigaqo yokusetyenziswa echazwe ngasentla, yamkelwe kwilizwe lonke elijikeleze ihlabathi. Emva kwakho konke, umbutho ukhupha amakhadi eenkqubo zamazwe ngamazwe "Master Card" kunye ne "Visa", ezazisasazwa kwihlabathi lonke.

Kwidola yekhredithi yeedola, umthengi unako ukurhoxisa imali kuyo nayiphi na imali-kwiiruble okanye i-euro, umzekelo. Kuyafana nokuhlawulwa kweempahla kunye neenkonzo (kwimeko yamazwe angaphandle, umzekelo).

Unokufakela isaziso seSMS kwikhadi lekhredithi. Ngalinye ixesha umntu uya kufumana imilayezo malunga nokubhalisa kunye nokubhalwa kwee-offs, malunga nokuphelelwa kwexesha lokuqinisekiswa kwekhadi kunye nokufumana imali ngeengongoma eziphambili zemali.

Kwaye nakwikhadi lesikweletu ngaphezu komda ungayifaka imali yakho. Ukusetyenziswa kwabo, akukho nzala iya kubalwa. Okokuthi, ukuba umda wekhadi i-ruble engama-200,000, kwaye umntu ubeka elinye i-30,000 kwi-akhawunti, ngoko unokukwazi ukulahla la mawaka angamashumi amathathu ngaphandle kweengcamango zomdla.

Uphononongo

Abantu abanamakhadi-mboleko e-Alfa-Bank, ngokubanzi, banelisekile. Ewe, ukuba bafunde ngokukodwa isivumelwano kwaye baqhelana nazo zonke iimeko. Kukho iingcamango ezingekhoyo, kodwa abantu abachasene nxamnye neenkonzo zentlangano, abangazange babuze yonke imibuzo ngaphambi kokusayina isivumelwano.

Kwaye ngokubanzi, ukuhlaziywa kuyakhuthaza. I-Alfa-Bank yintlangano enobungqina benembeza kubathengi bayo, iinkonzo ezikhawulezayo kunye nabaqeqeshi abanezakhono, abahlala bekulungele ukunceda abantu abasebenzisayo.