Golden Credit Card Savings Bank: imiqathango yokusetyenziswa, inzala, ncomo

Sberbank of Russia - oku mhlawumbi iziko zemali ethandwa kakhulu kwinkqubo leebhanki. Kwaye le meko zinje ngenxa ukuzithemba labemi. Ukongeza, uninzi lweenkonzo mali kuveliswa inkonzo Sberbank. Pensions, iinzuzo, zokufunda - yinxalenye encinane kuphela ye-trust zengeniso nalo eli ziko zemali. Uninzi abemi eyomeleleyo babehlawulwa yabo kumsebenzi nge Sberbank. Noko ukuthetha iminikelo ukuba abantu kwiziko ezifanelekileyo ukwenzela ukuba igcinwe ngokunqatyisiweyo nenzala? Nale ukuzithemba kunye nemfuneko enkulu Savings Bank ithe gqolo ukuphucula iinqwelomoya imveliso abantu nemibutho. Enye imveliso ezintsha kuquka igolide ikhadi lamatyala Savings Bank. Imiqathango yosetyenziso inika ungumnini amalungelo amaninzi. Ngaphezu koko, imveliso unenani yeenzuzo.

inkcazelo emfutshane

Imboniselo kwi kwimephu standard ngegolide, uyilo yayo kuphela wahlukile umzekelo eqhelekileyo of Umbala wayo. umbala ngegolide - Plastic. Kwicala phambi kwazo zonke iinkcukacha ezisemgangathweni eprintiweyo: inombolo yekhadi, Igama lomnini kunye nexesha.

Kuzo zonke iimveliso ngabo iibhanka ezahlukileyo, omnye kakhulu langutana kugqalwa igolide credit card ka Sberbank of Russia. Imiqathango yosetyenziso kuyo ngaphaya. Inzala mali ityala isusela ukusuka 17 ukuya 23. lemali-akhawunti engange Russian.

Loo ikhadi sidumisa ukufumana wonke ummi nje ngeke. Lingcwaba lomfo kudidi premium. Ungumnini we-khadi - umthengi rhoqo, yenze iimina intembeko Savings Bank, nto leyo eye eliphezulu iwonga ekuhlaleni. Kulo mzekelo, ubuncinane kuye, nokuncipha umdla yonyaka kwisixa ngetyala, kuba iya kufuneka enze intlawulo ikhadi kwi imali amawaka amathathu engange ngonyaka. Igama elithi kuba ukusebenza kwalo mveliso ifakiwe "Savings Bank" iminyaka emithathu.

amakhadi imihlobo

Imveliso uchaphazelekayo kahle entsha. Kodwa namhlanje kucacile ukuba ikhadi lamatyala igolide Savings Bank of Russia (kwayo apho abaninzi kuphela HIV) ngokuya kwanda yaye phantse lophawu ebalulekileyo kubomi bemihla ngemihla. Iziko zemali inika iintlobo ezintlanu credit cards kolu thotho ekhethwayo:

• Visa.
• MasterCard.
• Gold Aeroflot Visa.
• "MTS MasterCard».
• Gold «Nika ubomi» Visa.

Savings Bank inika iimephu ezimbini Classic. One - kwintlawulo kwiinkonzo "Aeroflot" credit. Okwesibini - ikhadi co-branded ne-MTS operator mobile.

Product "Nika Ubomi" kuba sisibonelelo ekhethekileyo evela imibono enalo. Le maphu akumkhululi ngaphezu nayiphi na ibhanki. Injongo ngokuqaliswa le mveliso - hayi nje elite liboleke abanye abathengi, kodwa ngaphandle wemvula-mali sipho. Ukulungiselela le njongo, kuya idweliswe yi-50% yemali yesondlo kunye 0.3% yemali yentengo nganye.

Iinzuzo ukuba umnini

Yibani umnini wephepha-mveliso in mboleki nganye akakwazi. Kuba ubeke phambili iimfuno ezithile. amathuba zemali ebonakalayo alindele abo abathengi abafumana ikhredithi khadi yegolide Savings Bank. Izinto eziluncedo zisekuhleni kanye.

1. Nge imveliso Visa ukuhlawula lula ukuba iimpahla kunye neenkonzo kulo naliphi ilizwe langaphandle. Kwakhona, kwanele nje ukwenza iintlawulo kwi-Internet.
2. Ngengcamango credit cards unako ukurhoxisa imali nanini na ATM Sberbank nje kuphela, kodwa amanye amaziko zemali kokubini eRashiya nakwamanye amazwe.
3. Kule izibalo, i-credit card igolide kwi-Savings Bank of kwiivenkile iqabane (kunye nezinye iindawo) wenza ngezaphulelo yenkulu kunye neebhonasi.
4. Ukusoloko, ukuba ukuthobela zonke iimeko zabanini ikhadi babonelelwa umda olujikelezayo phezu imali yokuthenga ngetyala engange-15 ukuya 600 lamawaka.
5. Imveliso ikuvumela ukuba ukufunda kugqitywe imicimbi engekenziwa kwi-intanethi.
6. Imephu baxhotyiswe ubuchule ukudibanisa kwi Internet nghapha inkqubo yentlawulo a, ezifana PayPal.

iimeko Basic kunikezelo

abathengi rhoqo basebenzisana kunye nombutho ngomoya omhle kwaye imali kwi-akhawunti ngezixa non-encinane, ngokuqhelekileyo inika ikhadi lamatyala igolide Savings Bank. ayibonakali Imiqathango yosetyenziso le mveliso ukuba zahluke kakhulu ukusuka zingaxhatshazwa ezinye iziphakamiso. Kodwa kwakhona ukunika umnini ikhadi a inani amalungelo.

Kaninzi umxhamli afumane ikhadi lamatyala uya ebhankini ngokwakho. Hambisa isicelo kwi-ofisi Sberbank ekufutshane nawe okanye kwi website yayo. Umbuzo wokuba ingaba ikhadi ndiyibonile ngemihla ezimbini.

umnikelo Personal Savings ungenza abanini kunyuselo debit accounts, abagcinisa imali kunye kubaboleki, ngaphandle kubathengi kunye namanye amakhadi ngetyala. Ngokuqhelekileyo zinika umthengi uzayo uhlobo umnxeba yefowuni okanye idilesi ye-imeyili isaziso. Ungaya yenyathelo yabo kwixa elizayo isebe noshowo ucele ukuba banelungelo ikhadi lamatyala yegolide Savings Bank. Ukuphonononga baxele ukuba isithembiso ukuba umniniyo, kunye nemali komda siboniswe ATM screen.

Iimfuno esisiseko umboleki

For Gold Card Sberbank kufuneka ukwazi malunga neemfuno zomthetho ukuze mboleki. Zezi:

• ubukho yokuhlala isigxina kwintsimi indawo ibhanki kunye nobuzwe le Russian Federation;
• akhawunti kweminyaka (hayi ngaphantsi kwe-21 kwaye hayi ngaphezulu kwe-65 iminyaka);
• lilonke ubude inkonzo yonyaka omnye.

Kukho iimfuno ezongezelelweyo, aya kwaziswa ukuba ikhadi yobhaliso indawo. Ukuba obolekayo njengako konke yokukhetha kwaye phambi izinto ezifanelekileyo ezifana nembali entle kwaye ubukho dipozithi, ngokutsho isicelo umxhasi xa ikhutshwa credit card igolide Sberbank of Russia. Imigaqo wokukhutshwa kuxhomekeke kwimigaqo lwangaphakathi lwequmrhu. Kwakhona isebenza ukusetyenziswa kwemveliso.

Golden Credit Card Savings Bank: imiqathango yokusetyenziswa kwe ukwelixesha loxolelo

umbuzo Le umdla abathengi kuqala. Phakathi imisebenzi emininzi imveliso credit card yegolide Savings Bank. Imiqathango yosetyenziso le sinikele ingqalelo ezikunika umnini amalungelo athile. Konke oku kwenza i avulekile umxhasi wakhe status premium.

Kumba buyiselo kufuneka ukwazi oko umthambo iintlawulo kakhulu nge-ATM ze Sberbank okanye imali. Namhlanje kukho enye indlela yentlawulo - ngokusebenzisa inkqubo yekhompyutha.

Ukwelixesha loxolelo t. E. Nangona afumane inzala kwisixa umda ziintsuku ezingama-50. Nangona kunjalo, kubalulekile ukukhumbula ukuba eli xesha awusebenzi imbuyekezo nge imali ATM. Ukuba awukwazi kuphila onke amakhadi kusetyenziswa imali bekuya kufuneka wenze iinxalenye ezithile. inkokhelo eyodwa kufuneka bungabi ngaphantsi kwe-5% yabo bebonke.

Kungcono ukufunda imiqathango yembuyekezo, xa ufumana credit card yegolide, "Sberbank of Russia". imephu emidla asenokuba kongezeleka kuphela isivumelwano kodwa for ephula ngokoMthetho intlawulo. Baya kuthetha ku-36% ngonyaka.

ikhadi isicelo Practical

Fumana ikhadi yegolide, unako ngokukhuselekileyo ukusebenzisa le mveliso yonke imihla ezahlukahlukeneyo:

• ukuhlawulela ukutya kwiivenkile cafes (ingakumbi amahlakani yeBhanki, ngubani na ukufumana isaphulelo ukuya ku-20%);
• ukuhlawula amatyala eziluncedo;
• ukuhlawulela iinkonzo imibutho emininzi ukuba ziseke ofisi zabo iiclamps;
• ukuhlawula amatyala iinkonzo zonyango, ukulungisa, njl.;
• ukuhlawulela amaxwebhu yeehambo.

uthelekiso

Ukuze ukuvavanya ukufaneleka ikhadi zegolide imali kubhetele ukuthelekisa ukusebenza kwayo nezinye iimveliso efanayo kwamanye amaziko.

Alfa-Bank inika ngonyaka wenzala ukususela nge-18 ukuya 33. Xa ukwelixesha loxolelo enye amakhadi zeziko ziintsuku 60-100. Le ongu - ubungakanani amawaka 300 engange. Intlawulo yenkonzo yonyaka isusela ukususela 1500 ukuya 3000 engange.

VTB 24 has a ecacileyo umyinge wenzala kwi mboleko phantsi ingqalelo kwi-22%. Inani eliphezulu ukuba imali - 600 000 engange, kwaye ukwelixesha loxolelo ziintsuku ezingama-50. credit card Service "VTB 24" buxabise umthengi ukusuka ku-2000 ukuya 3500 engange.

Raiffeisenbank inika inzala ikhadi ngetyala ukusuka 24 ukuya 27 Le mali iphezulu - 600 amawaka engange, kunye nentlawulo yeendleko yonyaka yenkonzo ukuya umxhasi kwi-mali ka-1500 ukuya 28,000.

UPawulos, kufanele kuphawulwe ukuba abemi abaninzi Russian Federation kakhulu iingenelo imveliso ezifana ikhadi igolide letyala Savings Bank. Imiqathango yosetyenziso lokhu kunika kuvumela ukwenza ukuthenga kusilungele, ezivenkileni ekhaya kunye nakwamanye amazwe. Ukongeza, le ikhadi wenza feature - ayiboneleli intlawulo yenkonzo yonyaka.