Khadi la Debit - ndi chiyani komanso momwe mungapezere + makhadi abwino kwambiri obweza ndi ntchito yaulere, kubweza ndalama ndi chiwongola dzanja

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Moni, okondedwa owerenga Maganizo a Moyo! Lero tikambirana khadi la kubanki - ndi chiyani, momwe mungayitanitsire pa intaneti ndipo kuli bwino kuti mupereke ma kirediti kadi ndi ntchito yaulere, chiwongola dzanja ndi kubweza ndalama.

Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!

Tidzakambirana mwatsatanetsatane izi:

Kodi khadi la kubanki limatanthauzanji komanso limasiyana bwanji ndi kirediti kadi;
Ndi khadi yanji yomwe mungasankhe;
Momwe mungatulutsire khadi ya pulasitiki moyenera, kuphatikiza pa intaneti;
Kodi ndingayitanitse kuti khadi yolipira yaulere ndi chiwongola dzanja komanso kubweza?

Kumapeto kwa nkhaniyi, mwachizolowezi timayankha mafunso otchuka omwe amabwera mukamaphunzira mutuwo.

Aliyense ayenera kuphunzira mosamala zofalitsa zathu, popezachikhumbo chopeza khadi yolipiritsa kwambiri chitha kuchitika nthawi iliyonse... Kukonzekera pasadakhale njirayi, ndikofunikira kuti muphunzire nkhaniyi kuyambira koyamba mpaka kumapeto pakadali pano.

Werengani kuti mudziwe kuti ndi chiyani komanso kuti ndi ndani amene angatsegule popanda chindapusa cha ntchito ndi chiwongola dzanja pamalipiro ndi kubweza ndalama patsamba lino.

1. Khadi la kubanki - ndi chiyani m'mawu osavuta 📃

Musanayambe kuphunzira za makadi a kubanki, muyenera kumvetsetsa kodi chinthu chonga khadi la debit chimatanthauzanji?... Popanda kumvetsetsa bwino tanthauzo lenileni, sizingatheke kumvetsetsa zovuta ndi zovuta za nkhaniyi.

Khadi la kubweza Ndi khadi lolipirira ku banki, lomwe limapangidwa kuti lipereke ndalama zosagulitsa ndalama pazinthu ndi ntchito, komanso kutulutsa ndalama muzida zapadera.
Chida choterocho chimapatsa mwayi kwa mwini wake kuti agwiritse ntchito ndalama zomwe zatsala mu akaunti ya banki yomwe khadi ili limalumikizidwa.

Ntchito yayikulu ya kirediti kadi ndikuti imakhala ngati njira yolipira. Mwanjira ina, chida chotere chimapangidwa m'malo mwa ndalama zamapepala zomwe zimagwiritsidwa ntchito pokhalamo, komanso kuchita zolipirira ndi ndalama za eni makhadi m'njira yopanda ndalama.

Chifukwa chake kusiyana kwakukulu pakati pa madebiti ndi ma kirediti kadi. Zomalizazi zimakulolani kuwerengera ndalama zopitilira malire. Mosiyana ndi iwo ma kirediti kadi safuna pulogalamu yangongole... Komabe, pakhoza kukhala milandu mukamagwirizana nawo owonjezerazomwe zingakhale zosaloledwa.

Kwenikweni 20 zaka zapitazo, makhadi a kubanki ku Russia adabwereka pafupifupi 99% yamsika wazipangizo zapulasitiki zoperekedwa ndi mabungwe azachuma. Izi zidachitika chifukwa cha izi:

Chifukwa chachikulu chinali kutukuka kwa kubweza ndalama mosavomerezeka, komanso mgwirizano wapafupi wamabanki ndi magulu amilandu;
Pang'ono ndi pang'ono, izi zikufotokozedwa ndi kudalira kochepa kwa anthu aku Russia pankhani yazachuma;
Chifukwa china chosowa kosiyanasiyana m'makhadi olipira chinali kufunika kopatsa banki chikole zikaperekedwa... Chikole choterechi chimayenera kupewa zachinyengo za eni makhadi komanso ngongole zosavomerezeka.

Kumapeto 2000-s, makampani obwereketsa apita patsogolo kwambiri. Izi zidapangitsa kuti pang'onopang'ono ↓ igawidwe gawo la makhadi azamagetsi pazida zonse zolipira. Ena mwa makasitomala amawakonda makhadi a ngongole.

2. Kodi pali kusiyana kotani pakati pa kirediti kadi ndi kirediti kadi - chiwonetsero cha kusiyana kwakukulu + tebulo lofananizira?

Anthu ambiri aku Russia molakwika amatcha mbiri makadi akubanki... Palibe vuto lalikulu pakamamvetsetsa kusiyana pakati pazida zolipirira izi. Komabe, pofuna kupititsa patsogolo maphunziro azachuma, ndikofunikira kumvetsetsa kusiyana kwawo kwakukulu.

Khadi la kubweza ndi chida chachuma chomwe chiri kusunga ndalama za mwini wake... Izi zitha kukhala ndalama zomwe kasitomala adasungira pawokha pa khadi, kapena kulandira ngati kusamutsa waya. Omaliza nthawi zambiri amakhala malipiro, penshoni, ndalama zothandizira, ndi anasamutsidwa kuchokera kwa anthu osiyanasiyana.

Ndikofunika kumvetsetsa kuti nthawi zambiri Kutulutsa ndalama kumakhadi akubanki kulibe msonkho. Chokhacho ndichakuti ndalama zizichotsedwa pamaofesi kapena ma ATM a mabungwe omwe amapereka khadiyo.
Komanso, sipadzakhala ntchito ngati mungapeze ndalama m'mabanki omwe ali ndi mgwirizano wamgwirizano ndi woperekayo. Malipiro opanda ndalama amachitika kwaulere m'malo onse ogulitsira ndi makampani ena omwe amalandila khadi iyi kuti alipire.

Khadi la kubanki limadziwikanso kuti kukhazikika... Mawu awa ndi ofanana. Komanso, mukamagwiritsa ntchito khadi kusamutsa ndalama kuchokera kwa olemba anzawo ntchito, titha kunena kuti malipiro... Ntchito zazikulu komanso mawonekedwe azida zotere ndizofanana.

Pofuna kukulitsa mpikisano, mabanki amapereka makadi a kubanki wotsika mtengo kwambiri... Ngakhale ena mwa iwo atero ntchito, nthawi zambiri zimakhala zochepa. Izi ndizowona makamaka pamakampani, malipiro ndi makasitomala wamba.

Pakalibe komiti, kirediti kadi titha kufananizidwa ndi chikwama chopangira ndalama. Kuphatikiza apo, nthawi zina, ndalama zotsalira pa khadi zimatamandidwa chidwi.

Kiredi akuyimira chida cholipira momwe ndalama za banki zimasungidwira... Wogula amatha kugwiritsa ntchito ndalamazo pamalire omwe wobwereketsayo wakhazikitsa. Poterepa, wobwereka amabwerera, kuwonjezera pa ndalama zomwe zagwiritsidwa ntchito, kuchuluka komwe kunakhazikitsidwa ndi mgwirizano.

Komabe, sikuti nthawi zonse mumalipira ndalama kuti mugwiritse ntchito. Mabanki amakono ambiri amakhazikitsidwa ndi makhadi Nthawi yachisomo... Ngati munthawi imeneyi ndikotheka kubweza ngongole yonse, chiwongola dzanja sichidzaperekedwa. Koma musaiwale kuti makhadi ambiri amakongoletsedwe ndalama zochotsera ndalama.

Ndikoyenera kulingalira chani ngongole ya kirediti kadi ikabwezedwa, malirewo amapangidwanso ndipo nthawi yachisomo iyambiranso. M'malo mwake, wokhala ndi makhadi amatha kugwiritsa ntchito ndalama zobwerekedwa kambirimbiri.

Zimapezeka kuti kirediti kadi ndi ngongole ya ogula yopanda malire. Kuphatikiza apo, chiwongola dzanja sichimawerengedwa nthawi yomweyo, koma patadutsa nthawi yina.

Kuti zikhale zosavuta kumvetsetsa kusiyana, kuyerekezera ma kirediti kadi ndi kirediti kadi zimaperekedwa patebulopo.

Tebulo "Kuyerekeza kuyerekezera zakusiyana pakati pa kirediti kadi ndi kirediti kadi":

Poyerekeza parameter	*Khadi la kubweza*	*Kiredi*
Mtundu wa ndalama zoyikidwa pa khadi	Ndalama za mwiniwake wa makhadi	Ndalama zaku banki zimabwerekedwa kwa wosunga makhadi
Malire	Kulibe	Kuyikidwa ndi banki
Kuchotsa ndalama	Palibe komiti ngati kuchotserako kumachitika kuma ATM a ngongole kapena anzawo	Nthawi zambiri, Commission imawimbidwa mlandu ngakhale itachoka ku ATM yaku bank yomwe idapereka khadiyo
Kuchepetsa malire	Ngati mulibe owonjezera, mkati moyenera khadi	Mutha kuchoka pamalire a ngongole omwe banki imakhazikitsa (ndalama zimasiyidwa)
Chidwi	Titha kutamandidwa ku akaunti yanu	Wogula amalipira kubanki kuti agwiritse ntchito ndalama zomwe adabwereka

Musanavomereze kirediti kadi, muyenera kuphunzira mosamala za mgwirizano. Kuphatikiza apo, muyenera kusanthula bajeti ya banja mosamala.

Izi zithandizira kuti wobwereka azitha kukwaniritsa zomwe akuyenera kuchita panthawi yake. Ngati izi sizingachitike, wobwereka mtsogolo amakhala pachiwopsezo chogwera ngongole zochulukirapopamene ndalama zimakhala zazikulu kwambiri moti zimakhala zovuta kuzipanga panthawi.

Ndikofunika kupeza kirediti kadi pokhapokha ngati mwini wake wamtsogolo ali ndi izi:

kulangidwa mokwanira ndikukhala ndi nzeru zandalama;
ali ndi ndalama zokhazikika zokwanira kubweza;
amamvetsetsa kuti bajeti ndi chiyani ndipo amadziwa momwe angagawirire ndalama molondola pakati pa ndalama zowonjezera komanso zowonjezera.

Ma kirediti kadi ndi kirediti kadi kangapangitse moyo kukhala wosavuta kwa eni ake. Chida chachuma choterocho chimakupatsani mwayi wolipira katundu ndi ntchito, kuthetseratu kufunikira kosunga ndalama zomwe mumafuna nthawi zonse.

Komabe, gwiritsani ntchito khadi lanu la ngongole mosamala kwambiri. Ndikofunika kuti musagwiritse ntchito malire anu mosalingalira, kuti musagwere mumsampha wa ngongole.

Zindikirani! Chosavuta chachikulu cha (-) ma kirediti kadi ndichokwera kwambiri, zomwe ndizovomerezeka ngati ngongole siyibwezedwe munthawi yachisomo.
Ndiwokwera kwambiri - kuposa ngongole zamakasitomala wamba.

Ambiri samvetsa chifukwa chake anzawo amatsegula makhadi angapo aku banki amitundu yosiyanasiyana, amakhulupirira kuti imodzi ndiyokwanira. M'malo mwake, mitundu yosiyanasiyana ya pulasitiki imakhala ndi ntchito zosiyanasiyana.

CHITSANZO: Khadi la kubweza imagwira ntchito ngati chida chomwe chimakupatsani mwayi wosunga ndalama ndikuzigwiritsa ntchito kapena kuzichotsa pakufunika. Anthu ambiri amagwiritsa ntchito chida ichi kuti magalimoto awo azikhala otetezeka pamaulendo ataliatali.

Kiredi imatsegulidwa ndi cholinga china. Zimakupatsani mwayi wogula katundu kapena ntchito pomwe ndalama zanu sizili zokwanira.

Tsopano mukudziwa kuti pali kusiyana kotani pakati pa kirediti kadi ndi kirediti kadi. Chotsatira, tiyeni tikambirane zamtundu wamakhadi apulasitiki.

Mitundu yayikulu yamakhadi apulasitiki

3. Kodi ndi mitundu iti ya makhadi omwe alipo - TOP-4 mitundu popular

Ngakhale kuti mfundo yogwirira ntchito, komanso ntchito zamakhadi a madebanki osiyanasiyana, ndizofanana, pali mitundu yambiri ya mitundu yawo. Zimasiyana osati kapangidwe kake kokha, komanso m'mbali zina.

Mitundu yayikulu yamakhadi obweza ndi awa:

Makhadi olipira ndi ntchito yaulere. Makhadi osavuta kubanki amatumizidwa ndikutumizidwa kwaulere. Mukamaitanitsa khadi yotere, ndikofunikira kuti muwerenge mosamala magwiritsidwe antchito ndi mndandanda wazomwe zilipo. Musaiwale kuti ena mwa iwo atha kugwiritsidwa ntchito pokhapokha kupeza ndalama kudzera mu ATM kapena malo olipilira; makadi oterewa salola kubweza pa intaneti.
Ogulitsa - makadi operekedwa ndi makampani ena limodzi ndi banki. Eni awo alandila zowonjezera mabhonasi ndipo kuchotsera m'makampani abwenzi aku banki omwe adatenga nawo gawo.
Makhadi a debit okhala ndi chiwongola dzanja pamalipiro itha kugwiritsidwanso ntchito ngati gawo lokhala ndi mwayi wotenga ndalama. Nthawi zambiri, chiwongola dzanja chimaperekedwa chochepa, koma ngati ndalama zimakhala zochuluka mu akauntiyi, ndalama zonsezo zimakhala zofunikira kwambiri.
Makhadi obweza omwe abweza ndalama kutanthauza kubwerera kwa gawo limodzi la ndalama zomwe zinagwiritsidwa ntchito pokhazikitsa mabungwe ena.

Mwa njira yowerengera zambiri, pali makhadi a chip ndipo makadi amizere maginito... Oyambirira amakhulupirira kuti anali otetezeka. Komabe, malamulo owonetsetsa kuti ndalama zatetezedwa pa khadi ziyenera kutsatiridwa mulimonsemo.

Gawo lofunikira la makhadi obweza ndi njira yolipirira yomwe ali. Odziwika kwambiri ndi 6 machitidwe, omwe amawerengera pafupifupi 80% yamakadi onse aku Russia:

Visa Mayiko;
Maestro;
Mastercard Padziko Lonse;
American Express;
Sberbank yakhazikitsa njira zake zolipira - Zamgululi;
posachedwapa, Russia yatulutsa ndipo ikugwiritsa ntchito mapu ake omwe samadalira momwe dziko lilili - MTENDERE.

Komanso makhadi a debit amatha kusiyanasiyana pamapangidwe ndi misonkho. Musanaitanitse khadi linalake, Ndikofunika kuti muphunzire mosamala mawonekedwe azosankha zosiyanasiyana ndikusankha choyenera kwambiri.

Kuti muthe kuyerekezera ndikusanthula momwe makhadi alili, ndikofunikira kumvetsetsa momwe zimasiyanirana. Mitundu yotchuka kwambiri yamakadi akubweza yalembedwa pansipa.

Lembani 1. Khadi la kubweza popanda kulipiritsa

4. Makhadi olipira ndi ntchito yaulere - maubwino akulu + maupangiri atatu othandiza kukuthandizani kupanga chisankho choyenera 📊

Chiwerengero chachikulu cha makhadi olandila amalola aliyense kuti asankhe yomwe ingakhale yabwino kwa iye. Ambiri amafuna kusunga ndalama posankha makadi okhala ndi ntchito yaulere. Chifukwa chake, malinga ndi zomwe zafotokozedwazo, tinaganiza zokambirana za iwo mwatsatanetsatane.

Makhadi olipira ndi ntchito yaulere imathandizira kwambiri ntchito yopereka ndi kulandira ndalama zapenshoni, ndi malipiro... Kuphatikiza apo, amachepetsa malipiro pazinthu zosiyanasiyana.

4.1. Ubwino Wofunika Wa Makhadi Aulere Anga

Kuphatikiza pa kuthekera komwe kumachitika mwachindunji muntchito zazikulu za makhadi a debit, ali ndi maubwino angapo ofunikira:

Ubwino 1. Kutulutsa ndi kwaulere

Nthawi zambiri makampani azachuma amalipira ndalama kuti apereke ndi kupereka makadi aku banki. Komabe, mabungwe ena angongole amapereka makhadi osiyanasiyana kwaulere.

Pali zifukwa zosiyanasiyana zoperekera makadi kwaulere:

kukhazikitsidwa kwa kukhazikitsidwa kwa khadi yatsopano;
kutsatsa khadi la kubanki;
kukwezedwa munthawi zochitika zosiyanasiyana.

Mwa kupereka khadi yapa debit yokhala ndi ntchito yaulere, mwini wake nthawi yomweyo amalandila phindu linalake, lomwe limakhala kupulumutsa ndalama zomwe zingaperekedwe.

Zofunika! Ngakhale kulembetsa kwaulere, chida chobwezera chotere chimakwaniritsa zonse zomwe zimachitika m'makhadi a debit ndipo chimapereka mwayi wothandizidwa ndi malamulo a ntchito zawo.

Ubwino 2. Kulumikiza ndi Internet Banking

Mabanki amakono amalola omwe ali ndi makhadi omwe adapereka kuti aziyang'anira pawokha zosintha pamalonda, zochitika ndi magawo ena.

Kuti muchite izi, ingogwiritsani ntchito banki yapaintaneti, yomwe ndi ntchito yapaderadera yokonzedwa kuti iziyendetsa payokha maakaunti a eni ake kudzera pa intaneti.

Kuti mugwiritse ntchito kubanki pa intaneti, muyenera kuchita zingapo zosavuta:

pitani patsamba la banki lomwe linapereka khadi ya kubanki;
kulembetsa ndi kupanga akaunti yanu;
yambitsani zochita za kubanki pa intaneti kudzera pa terminal, ATM kapena mwachindunji patsamba lino.

M'mabanki ambiri, kuti muchite izi, ndikokwanira kukhala mwini khadiyo. Simuyenera kuchita kupita kuofesi yantchito yobwereketsa ndalama.

Zotsatira zake, mwiniwake wa khadi la debit azitha kupanga ma transfers, kulipira, kutsata bwino nthawi iliyonse yabwino.

Mutha kuchita zonse ndi khadi kudzera pa banki yapaintaneti 24/7 kuchokera kulikonse komwe mungagwiritse ntchito kompyuta komanso intaneti.

Ubwino 3. Kutenga nawo gawo pamapulogalamu a bonasi

M'masiku amakono, mpikisano m'mabanki ndiwokwera modabwitsa. Pakulimbana kwa makasitomala, mabungwe azachuma nthawi zambiri amawapatsa mwayi wochita nawo zosiyanasiyana mapulogalamu a bonasi.

Omwe ali ndi makhadi aku banki amalandiranso zopindulitsa zambiri. Ma bonasi pamakhadi nthawi zambiri amakhala osiyana mamailosi ndipo mfundo.

Ma bonasi omwe amapezeka akhoza kugwiritsidwa ntchito m'njira zosiyanasiyana:

pa kugula katundu ndi ntchito;
kulipira ngongole ya ngongole;
mabanki ena amapereka chindapusa cha malo omwe apezedwa ngati ndalama.

Mtundu wina wa pulogalamu ya bonasi, yotchedwa kubweza ndalama... Amapatsidwa makhadi ena obweza ndipo amakhudzanso kubweza gawo laling'ono la ndalama zomwe zinagwiritsidwa ntchito polipira katundu ndi ntchito zosiyanasiyana.

Poterepa, kubwezeredwa kumachitika polemba ndalama kukhadi. Mabanki amayimira pawokha kukula kwa kubweza ndalama. Pa makhadi ena obweza, amafikira 10%.

Tsamba lathu lili ndi nkhani yosiyana yokhudza Cash Back - zomwe zili komanso malingaliro azabwino kwambiri pobweza ndalama.

Ubwino 4. Easy kupanga

Pa kirediti kadi, imodzi imakhala yokwanira mapasipoti... Komabe, mabungwe azangongole ali ndi ufulu wopempha kasitomala kuti apereke zikalata zina. Zitha kutero SNILS, satifiketi ya penshoni, layisensi yoyendetsa ndi ena.

Nthawi zambiri, zikalata zowonjezera zimafunika mukamapereka makadi azachuma ambiri.
Izi ndichifukwa choti mukamagwiritsa ntchito banki yotere, zochitika zakunja zimachitika. Pochita izi, banki imayenera kukatenga zidziwitso zambiri za kasitomala.

Amalumikizidwa ndi multicard nthawi zambiri 3 maakaunti atsegulidwa m'mitundu yosiyanasiyana – Ma ruble, madola, ndi Yuro.

Mwini wa khadi lotere amatha kuligwiritsa ntchito kutero Osati kokha kutaya ndalama ndikulipira, komanso kutembenuza ndalama. Ambiri amapanga ndalama pa izi pozindikira mayendedwe opindulitsa osinthana.

Chifukwa chake, popereka kirediti kadi ndi ntchito yaulere, simungangopulumutsa, koma nthawi zina mumapeza.

4.2. Momwe mungasankhire khadi yolipira kwambiri ndi ntchito yaulere - Malangizo othandizira TOP-3 ochokera kwa akatswiri

Posankha khadi la kubanki lokhala ndi ntchito yaulere (khadi yolipira yaulere), ndikofunikira kuzindikira kuchuluka kwa magawo azomwe akupanga. Nthawi yomweyo, ndikofunikira kudziwa: zomwe muyenera kumvetsera kaye, momwe mungagwiritsire ntchito zabwino zomwe mwapatsidwa.

Kuti mumvetse izi zithandizira izi upangiri wa akatswiri.

Langizo 1. Muyenera kukonda pulogalamu ya bonasi yomwe eni makhadi amtsogolo adzagwiritse ntchito pafupipafupi

Ambiri, popereka khadi yakubanki, samaganiza ngati adzagwiritse ntchito yomwe yaperekedwa pa iyo pulogalamu ya bonasi... Nthawi yomweyo, machitidwe akuwonetsa kuti mabhonasi osankhidwa bwino atha kukhala othandiza kwambiri. Nthawi yomweyo pulogalamu yosagwiritsidwa ntchito ilibe tanthauzo.

Mwachitsanzo: Kwa iwo omwe samauluka kulikonse, sizomveka kutulutsa khadi ndi mamailosi.

Nthawi yomweyo, pali mwayi wosankha chida chomwe chimapindulitsanso mukamapereka mu sitolo inayake, kuphatikiza kugula pa intaneti.

Mwanjira ina, ndibwino kusankha khadi yomwe imapereka mabhonasi omwe eni ake azigwiritsa ntchito pafupipafupi. Palibe nzeru kupeza zabwino ngati kasitomala sangathe kuzigwiritsa ntchito.

Langizo 2. Ndikofunika kupereka makhadi a kubanki okhala ndi moyo wotalika kwambiri popanda kulipiritsa

Nthawi zambiri, makhadi obweza kwaulere amaperekedwa kwakanthawi mpaka zaka 2... Ndikofunika kumvetsera kodi bungweli lipatsidwa ndalama pakapita nthawi.

Komabe, mabanki ena pakatha chaka amatha kusankha ntchito yolipiridwa:

Kumbali imodzi, ndalama zomwe amalipiritsa sizazikulu kwambiri;
Koma, mbali ina, kusapezeka kwa komiti kumakupatsani kuyitanitsa makhadi angapo omwe adzagwiritsidwe ntchito mosiyanasiyana.

Langizo 3. Phunzirani mosamala momwe mungagwiritsire ntchito ma kirediti kadi

Anthu ambiri safuna kuwerenga momwe amagwirira ntchito, koma ndikofunikira kuti muwaphunzire mosamala momwe angathere. Musanaitanitse khadi la kubanki, muyenera kuwerenga mgwirizano, ndi mitengo yomasula ndipo kugwiritsa ntchito mamapu.

Mukamaphunzira mgwirizano, ndikofunikira kulabadira mfundo izi:

kupezeka ndi kukula kwa malire ochotsera ndalama ndi kusamutsa waya;
ngati chiwongola dzanja chimaperekedwa pa ndalama zomwe zasungidwa pa khadi;
kodi pali chindapusa chilichonse chosamutsira ndalama ndi kutulutsa ndalama, ndi kukula kwake;
pazomwe mabhonasi ndi kubweza ndalama kumatamandidwa, tsatanetsatane wa pulogalamu yofananira;
ndi zinthu ziti zina zomwe zimagwiritsidwa ntchito ndi ma kirediti kadi.

Kuphunzira mosamala zakhadi kumakupatsani mwayi wopewa kukhumudwitsidwa ndi pulogalamu yomwe mwasankhayo, kuti mupewe mphindi zosasangalatsa zomwe zimabwera mukamamvetsetsa zovuta zina. Zotsatira zake, kugwiritsa ntchito chinthu chakubanki kudzakhala kopindulitsa momwe zingathere.

Lembani 2. Khadi lolipira ndi chiwongola dzanja pamalingaliro a ndalama zanu

5. Makhadi a Debit okhala ndi chiwongola dzanja pamalingaliro - zofunikira zazikulu + maupangiri pakusankha 💳

Mitundu ina yotchuka ya makhadi ndi yomwe imakulitsa chiwongola dzanja pa akauntiyo.

Chida choterocho chimatha kutchedwa kuti analogue of deposit ndi kuthekera kwa kukonzanso ndi kusiya nthawi iliyonse. Nthawi yomweyo, amapereka mwayi wonse wamakhadi apulasitiki.

5.1. Makhalidwe a makhadi okhala ndi chiwongola dzanja pamalipiro

Poganiza zopanga khadi yapa debit yokhudzana ndi kuchuluka kwa chidwi pamalipiro, ndikofunikira kuti muwerenge mosamala mawonekedwe a chida cholipirachi. M'munsimu muli mikhalidwe yayikulu yamakhadi amtunduwu, omwe ayenera kuganizira kaye.

Mbali 1. Kuchuluka kwa chidwi pamalipiro

Masiku ano, chiwongola dzanja chapakati pamakhadi aku Russia ndi pafupifupi 7%... Kuphatikiza apo, kufalikira kwa chizindikirochi m'mabanki osiyanasiyana ndikokulirapo. Kubetcherako kochepa kuli pafupi 1%, kutalika kwake kumatha kufikira 10%.

Mabungwe angongole amakhazikitsanso njira yowerengera chiwongola dzanja. Mtengo ukhoza kukhazikika kapena kudalira zochitika zina.

Mbali 2. Zowonjezera chidwi

Chidwi chikuwonjezeka m'mawa uliwonse... Kuwerengera kwa akaunti koyambirira kwa tsiku kumaganiziridwa.

Mwanjira ina, ngati wosunga makhadi watenga ndalama mmenemo, chiwongola dzanja sichidzaperekedwa tsiku lotsatira mpaka ndalamazo zikaikidwa pa khadi.

Mbali 3. pafupipafupi chiwongola dzanja

Nthawi zambiri, chiwongola dzanja chimaperekedwa Nthawi 1 pamwezi kapena Kamodzi kotala... Poterepa, chiwongola dzanja chimawonjezeredwa pamtengo womwe uli pa kirediti kadi, ndikuwonjezera.

Mbali 4. Inshuwalansi

Makhadi a kubanki, omwe amalipira chiwongola dzanja pamalipiro, amatenga nawo mbali mu inshuwaransi ya dipositi. Izi zikutanthauza kuti ngati banki yawonongeka kapena kuchotsedwa kwa layisensi, wokhala ndi makhadi azitha kubweza ndalama zake.

Koma ziyenera kukumbukiridwa kuti zolipira inshuwaransi zimayang'aniridwa kuchuluka kwa ndalama... Kudzakhala kotheka kubwerera osapitirira ma ruble 1.4 miliyoni.

Mbali 5. Osachepera RPM

Mabanki ena amaika ndalama zochepa pamakhadi awo akubanki. Mwanjira ina, ntchito zimakhazikitsa kuchuluka kwa zofunikira pakanthawi kena, makamaka kwa mwezi umodzi.

Ngati vutoli silinakwaniritsidwe, limatha kuchepa ↓ chiwongola dzanjakuwonjezeka pamalingo, onjezerani ↑ ntchito makhadi autumiki.

Chofunika 6. Kuchepetsa pang'ono

Kuphatikiza pa liwiro locheperako, a ma kirediti kadi osachepera... Iye ali kuchuluka, ngati kulipo, pa akaunti yomwe chiwongola dzanja chake chapeza.

Ngati kulibe ndalama zotere pa khadi kumayambiriro kwa tsiku, chiwongola dzanja sichidzaperekedwa patsikulo. Accrual idzayambiranso pomwe mwini khadiyi akaidzazitsanso mpaka kuchepa.

5.2. Momwe mungapezere chindapusa chopeza chiphaso - malangizo a akatswiri

Choyamba, muyenera kumvetsetsa kuti kirediti kadi yomwe ili ndi chiwongola dzanja chomwe chili chopindulitsa kwa aliyense kulibe. Chifukwa chake, simuyenera kukhulupirira mwakachetechete kutsatsa, ndi bwino kusankha khadi payekhapayekha.

Kwa iwo omwe amayenda pafupipafupi, zikhala zabwino kwambiri kutsegula khadi ndi accrrit mamailosi... Omwe amagula pafupipafupi m'sitolo yomweyo ayenera kuyang'ana zoyenera khadi yodziwika bwino.

Mulimonsemo, posankha mwayi wopindulitsa kwambiri, muyenera kutsatira upangiri wa akatswiri.

Langizo 1. Phunzirani zopereka za banki yolipira

Choyamba, muyenera kumvera makadi akubanki ndi chidwi pa ndalama zomwe banki imalipira. Ndizowonjezera mwachangu komanso kosavuta kukonza mabanki apa.

Ubwino wolumikizana ndi banki yolipira ndi awa:

Palibe chifukwa chokusonkhanitsira zikalata, nthawi zambiri zimakhala zokwanira kupereka pasipoti, popeza banki ili kale ndi chidziwitso chokhudza kasitomala;
Makasitomala omwe amakhala pafupipafupi amalandila zidziwitso zakukwezedwa kopindulitsa ndi zotsatsa zatsopano. Poterepa, yemwe angathe kukhala ndi chiphaso chokhala ndi debit nthawi zonse azidziwa nkhani zonse ndipo atha kusankha mwachangu njira yoyenera kwambiri;
Mabanki nthawi zambiri amapereka zabwino zonse kwa omwe amapereka ndalama - kwa iwo atha kukhala chiwongola dzanja pamwamba ↑, ndi ntchito pansipa ↓.

Langizo 2. Unikani kuchuluka kwakukulu kwa ndalama kubanki

Ngakhale malipiro ake adatchulidwa ku khadi la banki inayake, ndi bwino kuti muphunzire mosamala malingaliro ena. Posankha khadi la kubanki, musafulumire... Ndikofunikira kupita kuzinthu zapaintaneti zamabanki ambiri. Poterepa, muyenera kusanthula zomwe zingakupatseni ma kirediti kadi, yerekezerani zofunikira zazikulu pazomwe mungakonde.

Zofunika! Posankha khadi yokhala ndi chiwongola dzanja, ndikofunikira kulabadira kukula kwa bet... Chofunikanso ndichakuti kupezeka kwa zoletsa zosiyanasiyana.

Langizo 3. Sankhani khadi yolipira ndi mabhonasi omwe mungagwiritse ntchito pafupipafupi

Ambiri amakopeka ndi makhadi okhala ndi ma bonasi, koma ambiri amangochitika mwadzidzidzi posankha kwawo. Amapanga makhadi omwe amafalitsidwa kwambiri.

Zotsatira zake, makasitomala aku banki otere sagwiritsa ntchito mwayi woperekedwa. Pakadali pano, pulogalamu ya bonasi yosankhidwa moyenera imatha kubweretsa ndalama zowonjezera zowoneka ngati kuchotsera ndi zina.

Makhadi a debit omwe ali ndi chiwongola dzanja pamalipiro angagwiritsidwe ntchito ngati gawo limodzi ndi njira yobwezera. Kusankha kwawo kuyenera kuyandikira mosamala momwe angathere, ataphunzira zopereka zosiyanasiyana pamsika.

Onani 3. Khadi la kubweza lokhala ndi ndalama zobweza pambuyo pogula

6. Makhadi obweza ndi kubweza ndalama - njira zosankhira + njira 4 zopezera ndalama zambiri pakadi 📝

Kubweza Ndalama - imodzi mwanjira zopezera ndalama pa kirediti kadi. Zimayimira kubwezeredwa kwa gawo la ndalama zomwe zimagwiritsidwa ntchito polipira makhadi pazinthu zina ndi ntchito zina.

Kubweza ndalama kumapangitsa khadiyo kukhala yosangalatsa kwa eni mtsogolo. Komabe, kuti mupindule kwambiri, ndikofunikira kudziwa zomwe zili pachida ichi chobwezera.

6.1. Njira yayikulu posankhira kirediti kadi ndi kubweza ndalama

Ndi kuchuluka kwakukulu pamisika yamabanki, kupanga chisankho choyenera m'malo mwa khadi limodzi kumakhala kovuta. Kudziwa njira zosankhira kumathandizira kuti ntchitoyo ikhale yosavuta.

Muyeso 1. Mtengo wobweza

Kukula kwa kubweza kubweza kumayikidwa ndi banki palokha; imatha kusiyanasiyana kwambiri m'mabungwe osiyanasiyana obwereketsa ndalama. Chizindikiro ku Russia masiku ano chimasiyanasiyana mkati kuchokera 1 mpaka 10%.

Kuphatikiza apo, pamakhadi a khadi limodzi, imasinthanso kutengera mtundu wa zomwe mumagula ndi khadi yakubanki:

Kubweza ndalama pamlingo wotsika mwachizolowezi kumapangidwira zolipira zonse zomwe sizili ndalama;
Kukula kwakukulu kumaperekedwa mukamagula kuchokera kumakampani omwe mumagwirizana nawo kubanki.

Muyeso 2. Mtengo wautumiki

Kutengera mfundo yakulipiritsa Commission yolipira ma kirediti kadi, itha kugawidwa m'magulu atatu:

mfulu kwathunthu;
pang'ono ufulu;
analipira.

Ntchito yomwe gulu limodzi kapena gulu lina limadalira malinga ndi momwe banki imagwirira ntchito yamtundu wina wamakhadi obweza. Mwachilengedwe, posankha khadi yokhala ndi kubweza ndalama, muyenera kulipira mtengo wogwiritsira ntchito.

Ndikofunika kukumbukira, zomwe mabanki ena amakhala malire pa kutalika kwa nthawi yaulere... Nthaŵi zambiri, palibe komiti yomwe imangowonongedwa chaka choyamba chogwiritsa ntchito kirediti kadi.

Kuphatikiza apo, kukula kwa komitiyi kumatha kutsimikizika pogwiritsa ntchito zochitika zosiyanasiyana, mwachitsanzo, kuchuluka kwa khadi.

Muyeso 3. Magulu obweza ndalama

Mabanki a ma debit amagawana kubweza ndalama m'magulu angapo. Zitha kutero malo odyera, makampani oyenda, malo ogulitsa enieni, malo opangira mafuta ndi zina zambiri. M'mabungwe ena angongole, kuchuluka kwamagulu kupitilira makumi awiri.

Kuphatikiza apo, mabanki nthawi zambiri amapatsa kasitomala mwayi kuti asankhe gawo lomwe wolandirayo adzalandire kuchuluka kobweza... Komanso, imatha kusintha nthawi ndi nthawi.

6.2. Momwe mungapezere ndalama zambiri pogwiritsa ntchito kirediti kadi ndi kubweza ndalama - njira zamakono

Mukamagwiritsa ntchito makhadi obweza ndi kubweza ndalama, eni ake ambiri amawona zinthu zingapo zomwe zimawalola kuti athe kupeza ndalama zomwe abweza.

M'munsimu muli njira zomwe zimagwiradi ntchito ndi kuthandiza aliyense kuti apindule kwambiri ndi makadi otere.

Njira 1. Sankhani magulu anu obweza ndalama mosamala

Ambiri, mosazengereza, amapereka makadi a debit otsatsa kwambiri ndi kubweza ndalama. Amachita izi osasamala zina ndi zina pazomwe angagwiritse ntchito, komanso malingaliro amabungwe ena angongole.

Zotsatira zake nthawi zambiri sizongogwiritsa ntchito pulogalamu yomwe yasankhidwa. Kusankha kolakwika kwa khadi kumabweretsa phindu, zomwe zikadalandiridwa mukamafunsira khadi lina la kubweza ndi kubweza ndalama.

Kuti mupange chisankho choyenera, choyambirira, muyenera kusanthula kapangidwe kandalama zomwe mumagwiritsa ntchito. Pambuyo pakuwunika, muyenera kukonda khadi yokhala ndi ndalama zobwezera zomwe zimaperekedwa pazinthu zotchuka kwambiri zogula.

Njira 2. Gulani ndi anthu ena

Ogwiritsa ntchito makhadi a kubweza omwe ali ndi ndalama zobweza ngongole amalimbikitsa kuti mugulitse limodzi kuti muwonjezere ndalama zobwezeredwa.

Kuti muchite izi, ndikofunikira kugula limodzi achibale, abwenzi, omudziwa, ogwira nawo ntchito... Ndikokwanira kuwapatsa kuti azilipira zinthu zofunika kuchokera pa khadi lawo. Zotsatira zake zidzakhala kuchuluka kwa ndalama zomwe sizilandira ndalama, zomwe zikutanthauza adzawonjezeka kubweza ndalama.

Njira 3. Sankhani khadi yolipira yomwe imakupatsani ma bonasi ena kuphatikiza pakubweza

Posankha makhadi obweza ndi kubweza ndalama, ambiri amangoyang'ana kuchuluka kwa zomwe abwezeredwa. Pakadali pano, kuchuluka kwakukulu sikungatsimikizire kuti zinthu zili bwino kwambiri.

Posankha khadi, ndibwino kuti muziyang'ana pazizindikiro zazikulu 2:

kuchuluka kwa kubwezeredwa kwa zinthu zomwe zimagulidwa pafupipafupi;
kupezeka kwa mapulogalamu ena owonjezera.

Posankha khadi lomwe limaphatikiza 2 magawo awa, kasitomala amalandila zowonjezera mwayi... Sangobweza gawo limodzi la ndalama zomwe amagula, komanso amalandila mphotho mwa ma bonasi osiyanasiyana.

Nthawi yomweyo, musaiwale mabhonasi ambiri amakhala ndi nthawi yochepa. Chifukwa chake, makadi omwe ali ndi mapulogalamu ngati amenewa ayenera kukondedwa, omwe eni ake angawagwiritse ntchito posachedwa.

Njira 4. Pangani makhadi owonjezera achibale

Mabanki ambiri amapereka makasitomala kuti atulutse makhadi owonjezera angapo, nthawi zambiri kuchuluka kwawo kumatha kufikira 5... Kuphatikiza apo, mabungwe ambiri angongole amapereka ntchitoyi kwaulere.

Makhadi owonjezera amatha kuperekedwa atalumikizidwa kuakaunti ya omwe amakhala ndi makadi a debit ndikugawa kwa abale awo. Izi zidzawonjezeka ↑ ndalama zowerengera ndalama, potero kukula ↑ kubweza ndalama.

Posankha kutulutsa makhadi owonjezera, ndikofunikira kulingalira pazinthu ziwiri:

kuti muchepetse kugwiritsa ntchito ndalama mosalamulirika, malire ayenera kukhazikitsidwa pamakadi owonjezera;
ngati pali ntchito yopereka ndi kupereka makhadi owonjezera, muyenera kuwunika ndikuyerekeza kukula kwake ndi ndalama zomwe mukuyembekeza kubweza mukamagwiritsa ntchito makhadi ngati amenewo.

Makhadi obweza omwe abweza ndalama, mosakayikira, atha kubweretsa phindu lalikulu komanso phindu kwa eni ake. Komabe, kuti muwonjezere, ndiyofunika kutsatira malamulo ena.

Masitepe 5 momwe mungayitanitsire khadi ya kubanki yaulere ndi chidwi komanso kubweza

7. Momwe mungapezere khadi yolipira ndi ntchito yaulere, kubweza ndalama ndi chiwongola dzanja - magawo akulu 5 📄

Kupewa mavuto ndikulembetsa kwa kirediti kadi, ndikofunikira kudziwa njira zomwe ziyenera kuchitidwa kuti mutsegule. M'munsimu muli tsatane-tsatane malangizo, zomwe zingathandize aliyense kuti akhale ndi makhadi. Pa nthawi yomweyi, magawo a njirayi samadalira mtundu wa khadi yolandiridwa.

Gawo 1. Kusankha banki

Mukasankha kutulutsa kirediti kadi, choyambirira, muyenera kusankha banki yothandizira.

Mukamasankha ngongole, ndikofunikira kulabadira izi:

kukula kwa komiti yolembetsa ndi ntchito;
ntchito ya bonasi;
kupezeka kwa kubweza ndalama;
ngati pali chiwongola dzanja chambiri pa akaunti yanu.

Pamene mndandanda wamabanki omwe mumawakonda wakonzedwa, muyenera kuphunzira momwe mungaperekere ndikusungitsa makhadi akubanki. Pambuyo pake, zimatsalira kuwayerekezera ndikusankha njira yabwino kwambiri.

Tiyenera kukumbukira kuti mavuto onse osamvetsetseka ayenera kuthetsedwa ngakhale mgwirizano usanasainidwe... Pachifukwa ichi, mutha kuyimba hotline, yomwe nthawi zambiri imakhala yaulere, kapena yolumikizana nayo kucheza patsamba la banki.

Pokhapokha mafotokozedwe onse atafotokozedwa, mutha kupitilira pakupanga kwa khadiyo.

Gawo 2. Kudzaza ntchitoyi

Mabanki amakono ambiri amapereka 2 momwe mungalembetse fomu yofunsira khadi yakubanki:

pa intaneti patsamba;
mu dipatimenti ngongole ngongole.

Nthawi zambiri, ndikokwanira kuwonjezera pazomwe mukugwiritsa ntchito:

zambiri zaomwe adzakhale ndi khadi la debit - dzina, dzina ndi dzina, tsiku lobadwa, deta ya pasipoti;
zambiri zamalumikizidwe (nambala yafoni ndi imelo);
kulembetsa ndi kukhala adilesi;
ndalama zofunika za khadi yamtsogolo (mabanki ena amapereka makadi ambirimbiri).

Gawo 3. Kutumiza zikalata

Mukamapempha fomu yapaintaneti pakadali pano, ndikofunikira kudikirira uthenga kuti khadiyo yakonzeka. Ikalandira, katswiri wabanki nthawi zambiri amalumikizana ndi kasitomala.

Chifukwa cha zokambiranazi, mfundo zogwirizira za kirediti kadi kapena kuchezera kwa kasitomala kuntchito ya ngongole zimavomerezedwa.

Gawo 4. Kupeza debit card

Zimatenga kanthawi kuti mutenge khadi. Ndikokwanira kupereka pasipoti ndi kusaina satifiketi yolandila... Wogwira ntchitoyo kenako amapereka khadi lakubanki kwa mwini wake.

Pamodzi ndi pulasitiki, kasitomala amalandira envelopu yomwe ili ndi Pinani... Ndikuphatikiza kwachinsinsi komwe nthawi zambiri kumaphatikizapo 4 manambala.

PIN imadziwika ndi omwe ali ndi makhadi a debit okha, ndizofanana ndi siginecha yolembedwa pamanja yofunikira pamagulu. Ndikofunika kuonetsetsa kuti manambalawa sadziwika kwa anthu ena.

Mukalandira pulasitiki, nkofunikanso kuyika siginecha ya mwini wake pamzere wapadera kumbuyo kwa khadi. Popanda izi, khadiyo imadziwika kuti ndi yosavomerezeka.

Mukayika siginecha pa khadi, ndikofunikira kulingalira malamulo awiri oyambira:

ndikofunikira kugwiritsa ntchito cholembera;
siginecha iyenera kukhala yofanana ndi pasipoti.

Gawo 5. Kuyamba Kugulitsa Kirediti Card

Mukalandira kirediti kadi, ndi bwino kufotokozera ngati mukufuna kuyiyambitsa. Nthawi zambiri, njira zotsatirazi zitha kugwiritsidwa ntchito poyambitsa:

pa ATM;
ku nthambi ya ngongole;
poyimbira hotline;
kudzera pa intaneti patsamba la banki.

Pakukonzekera, mungafunike PIN ya Khadi ndipo foni yam'manjaatchulidwa mufunsoli. Mukamaliza njira zokuthandizani, mutha kuyamba kugwiritsa ntchito kirediti kadi yanu.

Mukatsatira ndendende malangizo operekera khadi yolandila pamwambapa, mutha kukhala ndi chida chobwezera mwachangu popanda vuto lililonse.

8. Komwe mungayitanitse khadi yolipira ndi kubweza ndalama ndi chiwongola dzanja popanda ndalama zolipira - TOP-3 mabanki otchuka 💰

Makhadi olipira amaperekedwa kuti aperekedwe m'mabanki onse aku Russia. Malingaliro ndi kagwiritsidwe kazida zoperekera izi ndizosiyana kulikonse. M'munsimu muli kuwunika mabanki atatu odziwikazomwe zimapereka zinthu zabwino kwambiri.

1) Tinkoff Bank

Banki ya TinkoffNdiwo okhawo ngongole ku Russia omwe amagwira ntchito kutali. Mwamtheradi ntchito zonse ndi ntchito zimaperekedwa pano pa intaneti.

Kuti mukhale ndi khadi la kubanki la Tinkoff, muyenera kulemba zofunika ntchito patsamba la banki. Izi nthawi zambiri zimafunikira basi 5 mphindi... Khadi ikakhala kuti yakonzeka, wogwira ntchito kubanki amabwera nayo ku adilesi yomwe kasitomala wasonyeza.

Tinkoff imapereka mitundu ingapo yamakhadi obweza kuti alembetse. Aliyense apeza pano njira yomwe ikumugwirizana.

Zomwe zili pamakhadi a kubanki ndi awa:

chiwongola dzanja pamalingaliro ndi 7% pachaka;
obwezeredwa ndi kusamutsidwa kubanki ndi anzawo kubanki;
ntchito yotsika mtengo, kuphatikiza makhadi aulere;
kubweza ndalama kuchokera 1 kale 5% (zimatengera gulu);
kubwezera ndalama pamagulu omwe mumakonda mpaka 30%.

2) Alfa-Bank

Alfa Bank imagwira ntchito mumsika wachuma waku Russia ndi 1990 za chaka. Amapereka ma kirediti kadi osiyanasiyana okhala ndi zochitika zosiyanasiyana.

Makhadi apulasitiki amapangidwa ndi malo athu osakira. Izi, komanso netiweki yayikulu yanthambi, zimawonjezera kwambiri kuthamanga kwa kupereka makadi a kubanki.

Ubwino waukulu wazida zolipira ku Alfa-Bank ndi:

ma network ambiri a nthambi ndi ma ATM;
kutha kutulutsa ndalama popanda kutumizidwa kuchokera kwa omwe mumagwira nawo kubanki, zomwe zilipo zambiri;
ndalama zolipirira akaunti mpaka 7% pachaka;
kubweza ndalama kuchokera 1 kale 10%.

Pakati pa makhadi a kubanki, okonda mpira, apaulendo, makolo, okonda masewera apakompyuta, ogula masitolo ndi ena ambiri apeza njira yoyenera kwa iwo.

3) Sovcombank

Sovcombank akufuna kuti atulutse kirediti kadi yaulere. Zake zazikulu mwayi chiwongoladzanja chimapezedwa pamalipiro mu ndalama zomwe zikufikira 7% pachaka.

Poterepa, chiwongola dzanja chimapezedwa mwezi uliwonse. Zotsatira zake, ndalama zomwe zidasungidwa muakaunti zimawonjezeka ↑. Kukula kwa kubweza ndalama kumatha kukhala mpaka 50%.

Komabe, mukalembetsa khadi ya Sovcombank debit, ndikofunikira kuti muwerenge mosamala misonkho yothandizira mtundu wina wa khadi. Iyenera kukumbukiridwa ndalama sizimakhala zaulere nthawi zonse. Commission chifukwa opaleshoniyi imatha kufikira 2,9% ya ndalama zochotsera.

Pofuna kuyerekezera, zikhalidwe zazikulu zoperekera ndi kupereka makadi a kubanki m'mabanki omwe akuwonetsedwa zafotokozedwa patebulo pansipa.

Kuyendetsa ngongole	Ndalama pamalipiro a ndalama	Malipiro obweza	Mtengo wantchito	Kukula kwa ndalama
Tinkoff	Asanachitike 7% pachaka	0%	Asanachitike 99 ma ruble pamwezi	Asanachitike 30% ya ndalama zogula
*Alfa Bank*	Asanachitike 7% pachaka	Osalipidwa chifukwa chobweza ma ATM awo ndi anzawo	1 990 rubles pachaka	Kuchokera 1 kale 10%
*Sovcombank*	5% pachaka, amapeza pamwezi ndi capitalization	Asanachitike 2,9% ya ndalama zochotsera	Ndiufulu	Asanachitike 50%

Kutengera ndi zomwe zili patebulopo, zitsimikizidwe izi:

Kubweza ndalama bwino - mu Sovcombank;
Utumiki waulere - mu Sovcombank;
Chidwi chachikulu pamiyeso yamakhadi - ku Tinkoff Bank ndi Alfa-Bank.

9. Ndi khadi iti ya debit yomwe mungasankhe - makhadi abwino kwambiri okhala ndi chidwi komanso kubweza ndalama back

Mapulogalamu atsopano amakadi okhala ndi mayendedwe abwino kwambiri amapezeka pamsika wabanki yaku Russia.

Mwa makhadi abwino kwambiri obweza ndi chiwongola dzanja ndi kubweza ndalama ndi awa:

Kubweza ndalama ndi khadi lochokera ku Alfa-Bank. Ndalamazo zimatchedwa kuti 7% pachaka. Kubwereranso pazogula kumafika 10%... Komanso, sichingadutse 2 000 Ma ruble.
Tinkoff amapereka khadi yakuda ya kubanki. Malinga ndi izi, ndalama zomwe zimatsalira pamalipiro zimafika 6% pachaka. Kubweza ndalama kuli 1%. Muyenera kulipira kuti mugwiritse ntchito khadiyo by 99 rubles mwezi uliwonse.
Multicard kuchokera ku VTB Bank amatenga ndalama pamalipiro mu ndalamazo 10% pachaka. Koma chifukwa cha kuchuluka kwake, ndikofunikira kulumikiza njirayi Kusunga... Kuti mulandire mabhonasi ndi kubweza ndalama, mutha kusankha magulu pamwezi. Ndi ntchito yogwira ndi khadi, palibe chindapusa chothandizira chomwe chimaperekedwa.
Kampani yachuma Otkritie imapatsa makasitomala ake chida cholipirira cha Smart Card. Muyenera kulipira khadi la debit iyi mwezi uliwonse by 299 Ma ruble... Ndalama zolipirira zimachokera 3 kale 7% pachaka. Kubweza ndalama kuli 1,5% ya ndalama zowonongedwa.
Phukusi loyambirira kuchokera ku SKB Bank limakupatsani kupeza 7% pachaka pamalipiro a ndalama. Kubweza ndalama kuli 1% pamalipiro onse osakhala ndalama. Palibe zolipirira zina pakugwiritsa ntchito khadi.

Zachidziwikire, iyi si mndandanda wathunthu wamapulogalamu omwe amaperekedwa pamsika wabanki yaku Russia. Ndikofunika kuphunzira mosamala kuchuluka kwa kirediti kadi ndikukonzekera njira yoyenera kwambiri.

10. Mayankho a Mafunso Ofunsidwa Kawirikawiri (FAQ) 💬

Mukamaphunzira ma kirediti kadi, pamakhala mafunso ambiri. Kuti muchepetse nthawi yomwe takhala tikufufuza, mwachizolowezi timapereka mayankho kwa otchuka kwambiri kumapeto kwa bukuli.

Funso 1. Kodi mungapereke bwanji (kuitanitsa) khadi ya pulasitiki yolipira pa intaneti?

Masiku ano, mabanki ambiri amapereka makasitomala kuti akhale ndi makhadi osachoka kwawo, pa intaneti. Kuti muchite izi popanda zovuta zambiri, muyenera kutsatira tsatane-tsatane malangizo pansipa.

Magawo ofunsira khadi yakubanki ndi awa:

Unikani zopereka za mabanki osiyanasiyana, phunzirani momwe zinthu ziliri, sankhani njira yoyenera;
Pitani pa tsamba lawebusayiti yomwe mwasankha;
Patsamba lazomwe mwasankha khadi, dinani batani "Kuyitanitsa" kapena "Tulutsani khadi"... Komanso zimachitika "Tsegulani khadi yakubanki" (m'mabanki osiyanasiyana amatchedwa mosiyana, koma mawonekedwe ake nthawi zonse amakhala ofanana).
Dzazani mawonekedwe otsegulidwa, ndikulowetsani zomwe mukufuna;
Fufuzani bokosi lotsimikizira kuvomereza kusanthula deta;
Dinani batani "Tumizani pulogalamu yapaintaneti" ku banki kukalandira khadi la kubanki;
Yembekezerani kuyitanidwa kuchokera kwa wogwira ntchito kubungwe la ngongole, yemwe cholinga chake ndi kuvomerezana pamapeto pake.

Chitsanzo chodzaza fomu yapaintaneti ya kirediti kadi

Makadi a madebiti akamalizidwa, amaperekedwa ku adilesi, kapena kasitomala amayenera kukayendera nthambi yaku banki kuti akalandire pulasitiki.

Funso 2. Kodi khadi lakubanki ndi chiyani?

Khadi la kubweza ndi chida cha pulasitiki chomwe chimapereka mwayi wopeza akaunti yosungitsa... Itha kugwiritsidwa ntchito kulipira katundu ndi ntchito, komanso kutaya ndalama. Ndi khadi iyi, mutha kusamalira maakaunti anu.

Zofunika! Khadi losungitsa si chida china. Imakhala ngati njira yomwe ingalumikizidwe ku khadi iliyonse yakubanki.

Ambiri amakhulupirira kuti chiphaso chimapereka mwayi wopeza ndalama zomwe zatsegulidwa m'dzina la mwiniwake. Koma sizili choncho. M'malo mwake, khadi lotere lingalandire kokha chidwi.

Komabe, iye mwayi ndikuti khadi yotere imakupatsani mwayi wotsatira zochitika zonse zomwe zimachitika pa akaunti ya depos. Ngati kasitomala akufuna kuti adzalandire ndalama zake nthawi yomweyo patsiku lolumikizana naye, ayenera kusankha khadi ina - nthawi yomweyo.

Mukamapempha kuti mukhale ndi khadi la kubanki, ndikofunikira kulabadira izi:

kupezeka, komanso zikhalidwe zolandirira mabhonasi ndi kuchotsera;
kuvomerezeka;
liwiro la kulembetsa;
mtengo womasula, komanso kukonza;
mwayi wopeza makhadi owonjezera;
kuchuluka kwa ma ATM a ngongole, komanso anzawo omwe amapereka ndalama popanda kulipiritsa;
kukhalapo kwa kumangirira ma wallet amagetsi;
kupezeka ndi kukula kwa malire ochotsera ndikusamutsa ndalama;
kutha kugwiritsa ntchito khadi yakubanki yakunja;
chilolezo ku banki chogwiritsa ntchito khadi yosungitsa zinthu zina, mwachitsanzo, kulandira mapenshoni ndi zolipira zina.

Tiyenera kukumbukira kuti posankha khadi yosungitsa ndiyofunikanso kwambiri malire osasinthika... Zimayimira kuchuluka kwa ndalama zomwe ziyenera kukhala nthawi zonse pa akaunti ya khadi.

Ayenera chisamaliro chapadera makhadi osungitsa ndalama ndi owonjezera... M'malo mwake, ndi khadi la ngongole, lomwe chitetezo chake ndi ndalama zomwe zimayikidwa.
Zowonjezera zitha kubwezedwa basi polipira chiwongola dzanja chomwe mwalandira kuchokera pakusungitsa kapena pogwiritsira ntchito ndalama zonse zomwe wapereka. Uku ndiye kusiyana kwakukulu pakati pamakhadi otere kuchokera pamakadi azikhalidwe.

Komabe, makhadi opitilira muyeso amakhala ndi vuto lalikulu kuipa... Phindu lonse lomwe amalandira kuchokera ku dipo lingapite kukalipira chiwongola dzanja changongole.

Chifukwa chake, musanapereke khadi yotereyi, ndikofunikira kuti muwerenge mosamala mtengo wa ntchito ndi kuchuluka kwa chiwongola dzanja chomwe chimapezeka pa owonjezera ndikuwayerekezera ndi ndalama zomwe zidasungidwa. Tinalemba m'nkhani yosiyana za banki yomwe mungatsegule ndalama zopindulitsa kwambiri mu ruble kapena ndalama zina zakunja.

Mwa njira, kuti mumve zambiri pazowonjezera zomwe zili pamakadi, onani kanema:

Funso 3. Kodi pali kusiyana kotani pakati pa khadi yolembetsa yolembetsa ndi yosatchulidwa?

Makhadi ambiri aku banki omwe atulutsidwa lero ndi awa kulembetsa... Komabe, pamsika wachuma waku Russia munthu akhoza kupeza makadi opanda dzina... Chofunika kwambiri mwayi chida chotere chimaperekedwa pasanathe mphindi.

M'malo mwake, aliyense akhoza kusankha yekha Kodi ayenera kulandira khadi yotani? - wotchulidwa kapena wosatchulidwa... Mwa mayina ena amakhadi aebanki omwe sanatchulidwe mayina omwe amapezeka momwe amafalitsira amapezeka nthawi zambiri wopanda umunthu ndipo osatsitsidwa.

Zomwe zili mu kirediti kadi kosatchulidwa:

mapu oterowo alibe zolemba, ndipo zonse zimagwiritsidwa ntchito ndi laser;
zonse zokhudza eni ake zili mndondomeko ya banki;
nambala ya khadi imaperekedwa kwa mwininyumba, koma dzina lake siligwiritsidwa ntchito kupulasitiki komweko. Komabe, khadi lomwe silinatchulidwe lili ndi gawo lofikira siginecha ya eni ake.

Ngati khadi la kubanki latayika kapena kubedwa, kasitomala amatha kuletsa. Pambuyo pake, ali ndi ufulu wolamula kumasula kachiwiri... Popanda kudziwa chinsinsi chachinsinsi, anthu ena sangathe kugwiritsa ntchito ndalama zomwe zili pa khadi.

Ena amakhulupirira kuti kuyika dzina la mwiniwake pa khadi la pulasitiki kumapereka chitetezo chowonjezera cha ndalama zake. Komabe, akulakwitsa. Kwenikweni makhadi osasankhidwa ndiotetezedwa monga eni ake.

Makhadi a debit osatchulidwa amatuluka ndi njira zonse zazikulu zolipirira: Visa, MasterCard ndi ena. Komabe, ali ndi zabwino zazikulu zamakhadi ena akubanki.

Kuti mukhale mwini wa chikhadi chosatchulidwe dzina, muyenera kuwononga ndalama osaposa mphindi 10... Ichi ndiye kusiyana kwake kwakukulu kuchokera ku pulasitiki mwadzina, kamangidwe kamene kamakonda kutenga kuyambira masiku angapo mpaka milungu ingapo... Kuthamanga kwambiri kopereka makadi osasankhidwa ndi chifukwa chakuti banki imawakonzekereratu.

Funso 4. Kodi makhadi obwezera nthawi yomweyo amakhala ndi zinthu ziti?

Mbali yayikulu ya kirediti kadi yakanthawi ndi mkulu⇑ kuthamanga kwa kalembera... Mabanki ambiri amati kuti alandire chida chobwezera chotere, kasitomala adzafunika osaposa mphindi 15.

Mulimonsemo, khadi yamphindi imaperekedwa patsiku logwiritsa ntchito. Ndikokwanira kukaona nthambi yakubanki ndi pasipoti.

Nthawi zambiri, dzina la eni ake silimasindikizidwa pakadali pano. Komabe, mabanki ena amatha kutulutsa mwachangu makhadi apulasitiki ndi zomwe eni ake amasindikiza.

Mulimonsemo, khadi yanthawi yolipira imakhala ndi ntchito zonse zamakhadi achikhalidwe:

kupeza ndalama;
osapereka ndalama pazinthu ndi ntchito;
kukhazikika m'masitolo apaintaneti;
gwiritsani ntchito kulipira kunja;
kusungitsa ndalama muakauntiyi.

M'mabungwe ambiri obwereketsa ndalama, mitengo yolipirira makadi omwe sanagwirizane nayo siyimasiyana ndi yamtundu womwewo.

Funso 5. Kodi ndingagule kuti (kutsegula) kirediti kadi yaulere ndi chidwi komanso kubweza ndalama kwa okalamba?

Mabanki ambiri akutukuka madongosolo apadera othandizira ma kirediti kadi a anthu opuma pantchito... Amapereka zofunikira zonse za pulasitiki. Kuphatikiza apo, kuwonjezera apo, makhadi otere amakulolani kuwongolera ngongole za penshoni kwa iwo. Ndizosavuta kuposa kulandira ndalama.

Kusamutsa penshoni kupita ku khadi, muyenera kutenga kuchokera ku banki Zambiri zamakhadi... Pambuyo pake muyenera kulemba mawu ku Thumba la Pension pa komwe amakhala, zomwe zikuwonetsa zambiri zomwe zalandilidwa. Pofuna kuti anthu opuma pantchito athandize, mabungwe ena angongole amawathandiza kulemba fomu.

Ndikofunika kulingalira kuti kuyambira Julayi chaka chatha, penshoni imaloledwa kupatsidwa makhadi omwe amaperekedwa mu NPS Mir. Njira zina zolipirira zitha kugwiritsidwa ntchito pokhapokha ngati malipiro awo adaperekedwa kale.

Kwa makhadi obweza penshoni, komanso achikhalidwe, pali kubweza ndalama... Utumiki waulere ndi mwayi waukulu.

Komabe, si onse opuma pantchito omwe akufuna kusanthula malingaliro amabanki ambiri kufunafuna njira yoyenera. Zosavuta, pansipa pali TOP-3 makhadi abwino kwambiri a kubanki okalamba omwe ali ndi ndalama zowonjezera, zomwe zimaperekedwa mkati Dziko la NPC.

1) Wopuma pantchito wa Khadi ku Uralsib bank

Uralsib Bank ndi membala wa netiweki ya ATM ATLAS... Chifukwa chake, mutha kutaya ndalama popanda kutumizidwa ndi khadi lomwe kampani iyi yakweza ngongole pafupifupi kulikonse.

Pansi pa khadi yomwe ikufunsidwayo, sikoyenera kubweza penshoni kuti mugwiritse ntchito. Kulembetsa mufunika pasipoti ndipo Chiphaso cha wopuma pantchito.

Zina mwazofunikira za khadi la Honorary Pensioner ndi izi:

ndalama zotsalira 5% pachaka, malinga ndi kusunga pa khadi osachepera 5 000 Ma ruble;
kusungitsa ndikuchotsa ndalama popanda ntchito muma ATM onse a NPS Mir;
kubweza ndalama 0,5% amatamandidwa ndi foni yam'manja;
mabhonasi pansi pa pulogalamu yoyamikira;
kulembetsa ndi ntchito popanda kulipiritsa Commission.

Khadi limaperekedwa nthawi yomweyo kuofesi iliyonse ya Uralsib Bank.

2) Kutsegulira Banki Ya penshoni

Kutsegula kwa banki ili ndi netiweki zambiri zama nthambi ndi ma ATM ku Russia konse. Ndi pano pomwe mutha kupeza ndalama kuchokera pa khadi lanu la penshoni popanda kutumizidwa.

Kulembetsa, ndikokwanira kulumikizana ndi ofesi ya bungwe la ngongole ndi pasipoti ndipo satifiketi ya penshoni... Mapuwa amatsegulidwa mphindi zochepa.

Zomwe zili pamtunduwu ndi izi:

ndalama zotsalira 3% pachaka malinga ndi kusintha kwa penshoni ku khadi;
kulembetsa kwaulere ndi ntchito;
kubweza ndalama zolipira m'masitolo 3% ya ndalama zogula.

3) Khadi la ndalama zaopuma pantchito kuchokera ku UBRD

Ural Bank Yomangidwanso ndi Kukula imayimiridwanso kwambiri kudera lonse la Russia.

Kwa opuma pantchito, amapereka makadi a kubanki okhala ndi izi:

ndalama za 3,75% pachaka pamene penshoni idalandiridwa ku khadi;
kugulitsa ndalama popanda kulipiritsa komiti ku ATM za UBRD ndi anzawo;
kubweza ndalama kukula 5% pogula ku pharmacy ndi 0,5% pazopeza zonse;
kulembetsa nthawi yomweyo kunthambi yaku banki mukawonetsa pasipoti ndi penshoni;
kulembetsa kwaulere ndi ntchito.

Makhadi obwereka aperekedwa lero m'mabanki onse aku Russia. Kuphatikiza apo, amasiyana mautumiki ena owonjezera - mabhonasi, kubweza ndalama, chiwongola dzanja pamalipiro... Izi zimalola kuti eni ake azisunga komanso azipulumutsa.

Zosiyanasiyana zimalola aliyense kusankha khadi yakubanki kuti igwirizane ndi zosowa zake. Kuti muchite izi, ndikwanira kuti muphunzire mosamala malingaliro aposachedwa, komanso magawo akulembetsa.

Pomaliza, tikulimbikitsa kuwonera kanema mwachidule za makhadi a kubanki:

Ndizo zonse kwa ife.

Gulu la Ideas for Life likufunira aliyense zabwino zonse komanso kukhazikika kwachuma! Gawani malingaliro anu, ndemanga pamutu wofalitsa ndikufunsani mafunso mu ndemanga pansipa.