Indlela ukufumana ikhadi lamatyala Savings Bank, yaye ngaloo nto ukuba uhlawule ibhanki?

Minyaka le credit cards eRashiya iya ngakumbi zithandwa ngakumbi, kuba maxa wambi ezinjalo ukuba akukho mali. Kwaye ngoko phambi kwakho kukho umbuzo: " asifumani njani ngetyala Sberbank ikhadi?" Kweli nqaku uza kufunda zonke iindlela zokuhamba ikhadi enjalo, kwakunye nendlela ukuyisebenzisa ngayo.

Indlela ukufumana ikhadi samatyala Savings Bank?

Wena unethamsanqa xa ufumana umhlala-phantsi kunye umvuzo kwi ikhadi Savings Bank, ekubeni inkqubo yokufumana kube lula kuwe. Ukuba ukhe wasebenza okanye ukufumana i pension ngaphezu kweenyanga ezi-3, ke ngoko sele unayo umda pre-evunyiweyo. Ungafumana i imaphu wangoko nangoko okanye iyalele igolide ufumane ngeentsuku 3-5. Umahluko phakathi kwezi amakhadi kukuba kwi Ngephanyazo imephu 19% ngonyaka, kwaye igolide - 17.9%. Kwakhona igolide igama ikhadi. Njengokuba kwakunjalo ngoko nangoko, kunye ikhadi Gold kunyaka wokuqala akukho mali yonyaka.

Kwakhona, ukuba uye wakha mboleko evela Sberbank, ngoko ke, nawe, kufuneka umda pre-evunyiweyo.

Indlela ukufumana ikhadi samatyala Savings Bank kwezinye kunjalo?

Kufuneka ukuba basebenze iinyanga ezi-6 kwindawo yangoku umsebenzi, ukunika reference 2-NGOBUCHULE okanye uzalise ifomu ebhankini ukuqeshwa aze aqhoboshele ikopi yale ncwadi yomsebenzi. Okulandelayo, umhloli ingena isicelo, zingaphelanga iintsuku ezi-2 underwriter yayo iya kuqwalasela isigqibo yokukhutshwa ikhadi, kwakunye kumda ngetyala. Ukuba usondela ikhadi, ngemiqathango ngokubanzi, kuya kubakho inkonzo yonyaka. Ukuba ikhadi legolide - 3000 engange ngonyaka, ukuba Classic - engange-750.

Ukuba ufuna ukugxininisa isimo sakho, ngoko phambi kokuba lo mbuzo: "? Njani ukufumana ikhadi American Express Platinum credit" Eli khadi zingathengwa kuphela kwimeko phezu Kwiinyanga ezi-6 ezidlulileyo, lo ekungeneni kwemali kwi-akhawunti ye-Savings Bank yaba kungekho ngaphantsi kwe-3 mln. Thambisani., Ubude iyonke inkonzo kufuneka ngonyaka ubuncinane 1 kule minyaka mi-5 idlulileyo. Ukuba basebenze umsebenzi yangoku kufuneka iinyanga ezi-6. Kodwa eli khadi ndikunike eziluncedo ezininzi ukuba ukuvula VIP-iiholo zonke izikhululo zeenqwelo-moya abaziwayo, apho kuya kubakho amaxabiso ekhethekileyo amatikiti, izibonelelo ezongezelelweyo ezihotele phezu 1000 ehlabathini lonke, izaphulelo ezinkulu xa ukuqesha imoto kumaqumrhu adumileyo kunye namanye amalungelo amaninzi. Le ikhadi ngonyaka iindleko zokusigcina ka-10 000 ukuya ku-17 000 engange ngonyaka, ngelixa izinga lenzala phezu kuya kuba-17%.

Indlela ukusebenzisa ikhadi ngetyala?

amakhadi Credit evela Sberbank makafumane ixesha ubabalo, yaye oko kwiintsuku ezingama-50. Ngeli xesha kufuneka ahlawule elo tyala. Kwiintsuku ezili-50, unako ukuhlawula zonke yokuthenga ikhadi non-cash, kodwa ukuba ufuna ukukhupha imali, ngoko nangoko ukususa-3% ngemali, kwaye ukwelixesha loxolelo akuyi kuya kufuneka enze njalo. E. Ngaba kwangoko ethumela. Ukuba lo khadi, umhla kwexesha lengxelo kubonisiweyo iPIN imvulophu, ukuba eli khadi nto ngephanyazo, ke umhla kunikezelo ikhadi. Kuba ikhadi lebhanki letyala uya kunikwa uqhagamshele kwisevisi "Mobile Banking", nto leyo uya kunikhumbuza ukuba uhlawule nini kangakanani nokuba unayo. Ukuba uyasilela ukuhlawula isixa ntlawulo incinci - 5% yesixa owenziwe.

Ngoko ke, siye waphendula umbuzo sendlela ukufumana ikhadi lamatyala Savings Bank, kwakunye nendlela yokuzisebenzisa kwaye musa ahlawule nantoni na. hamba ngoku ibhanki ze ulandelelanise ikhadi, ngenxa yokuba lo "isipaji spare" ayisoze!