Ikhadi lesikweletu "I-Hoppo": ukuphononongwa kunye neempawu

Ukuqala, qwalasela iziphakamiso ezisemthethweni zebhanki. Ngokunjalo - siya kuqonda ukuba ibhanki ngokwayo ibonakalisa njani ikhadi lekhredithi elithi "Tinkoff". Amazwana, asele malunga nawo, mhlawumbi, angowomntu obini. Kodwa ngaphezulu kule nto kamva.

Ngoko yintoni ibhanki "i-Tinkoff Credit Systems"? UOleg Tinkov wasungula, kwaye kwenzeka ngo-2006. Ibhanki ayikho iiofisi, iiofisi okanye iindawo zokuthengisa. Ukukhishwa kwekhadi lokuthenga ngamatyala kwenzeka ngokude. Ngamanye amagama, unxibelelana nabasebenzi bebhanki ngefowuni yefowuni okanye nge-Intanethi.

Ibhanki inesethi esipheleleyo sokulawula kude: "Ibhanki ye-intanethi" kunye ne "Mobile Bank". Kuzo unokufumana ulwazi malunga nesimo se-akhawunti yakho, ukulandelela umlando weentengiselwano, ukwenza uhanjiso, iintlawulo kunye nokunye okuninzi.

Zonke iikontraka kunye namakhadi-ngetyala anikezelwa kuwe ngeposi okanye ngeposi kwiRashiya. Ukubhalisa ufuna kuphela umbhalo omnye - ipasipoti yakho. Imibuzo engenayo engenayo ayifuni. Oku kuqinisekiswa yiempendulo malunga nekhadi lesikweletu "I-Tinkoff".

Iingxelo zibonelelwa ngeengxelo. Bathunyelwa nge-imeyile okanye ngeposi kwiRashiya. Okukhethwa kukho kunikwe ukhetho lwesibini, lunokuthenjwa ngakumbi.

Kukho izibonelelo ezine zemali mboleko. Eyokuqala kwezi "yiPlatinum", ikhadi lekhredithi elithi "Tinkoff". Iingxelo zithi le yinto eyaziwayo kakhulu. Umda wayo i-ruble engama 300. Iintsuku ezingama-55 zinikezelwa ukuhlawula iintlawulo zomdla - kodwa kuphela xa uthengela kwikhadi ngokwayo, ngaphandle kokuhoxisa imali. Yithobele oku.

Isiphakamiso sesibini yiKhadi le-Airlines. Apha unikwa ixesha elingenalo inzala. Ngeli khadi unokuqinisekisa uhambo lwakho ngaphandle kwentlawulo. Kodwa kufuneka unike malunga namawaka amabini e-ruble ngokugcinwa kwayo.

Isivakalisi sesithathu "Ihlabathi Leencwadi", ikhadi lekhredithi yegolide "I-Tinkoff". Iingxelo malunga naye aziqhelekanga. Udibaniswe nesayithi "Ihlabathi Leencwadi". Ngomyalelo wokuqala, isaphulelo sama-ruble angama-300 anikwe kunye nesaphulelo esisigxina esingu-10% xa uthengwa kwi-"World World Books". Umda ophezulu ungama-ruble angama-300.

Kwaye isigwebo sokugqibela sithi "I-Classmates Tinkoff Credit Card", efumaneka kwiziko elithandwayo "Odnoklassniki". Kuye naye le khadi lixhunyiwe. Iqulethwe ngumntu ngamnye, kwaye xa uyisebenzisa, uqokelela i-OK-kunye (kunye neyunithi yee "Classmates").

Mhlawumbi sele uqaphele ukuba akukho nto ibonakalisa inzala. Inyaniso kukuba ubukhulu bomda wokuqala bunqunywe ngamnye kumthengi ngamnye. Oku kwenzeka ntoni?

Ugcwalisa le mibuzo. Kuyo ubonisa ubudala bakho, inani lemali engenayo kunye nokunye. Ibhanki ibona le nkcukacha kunye nembali yakho yekhredithi. Kuthatyathwa kwisiseko esisodwa kuzo zonke iimali-mboleko zakho zangaphambili. Apha, ngalezi zizathu, ireyiti yenzala kunye nesicwangciso somrhumo sibalwa .

Makhe sijonge kwiingxelo. Ukuba ufuna ngokukhawuleza imali eninzi, ngoko unokudaniswa nekhadi lesikweletu "I-Tinkoff". Iingxelo malunga nale nto zizaliswe yizo zonke iiforamatic.

Yintoni eyenzekayo? Ngokomzekelo, ufake isicelo sama-ruble ayi-100 amawaka, kodwa ekugqibeleni ufumana ikhadi elinomlinganiselo wokuqala wamawaka ayi-10. Kwaye apha awukwazi ukunceda, ibhanki inomgaqo-nkqubo onjalo.

Umncinci omncinci unikezelwa, ibhanki ibheka indlela osebenza ngayo kunye nekhadi, kwaye kuphela ke uqala ukwandisa umda wakho kwaye unikezele ngamagama angcono. Abantu abanganelisekiyo ngeli xesha baninzi. Phuma apha enye. Ukuba awuqinisekanga ngembali yakho yematyala, kwaye imali yakho engenayo ayikho phezulu, kwaye imali iyadingeka, kungcono ukuqhagamshelana nelinye ibhanki.

Ukucacisa ulwazi olubuxoki alunangqiqo. Ibhanki iya kubajonga ngenyameko. Izingcingo zenziwe ngeendlela ezininzi. Okokuqala, i-call iya kwenziwa kwisebe le-accounting kwindawo yakho yengqesho. Futhi ungakulibali ukuba kunenzuzo enkulu ukuhlawula ikhadi. Ukurhoxiswa kwemali kuyakufuneka ikhokhe ikhomishini.