A ikhadi lokuthenga ngetyala yaye ixesha umdla-free: imeko kweebhanki

Inani kweebhanki olukhulayo yonke imihla, yaye lilwela abathengi. Kakhulu lula imveliso zebhanki zezi credit cards, kunye nokukhuthaza kubo, zasebhange wasebenzisa ezahlukeneyo iindlela zentengiso kunye nokuthengisa. Ngokubanzi, nababolekisi bazama ukwandisa ukusetyenziswa mahala imali, ekuthiwa ixesha ubabalo. Kusolwa ngeli xesha na afumane inzala yokusetyenziswa kuthathwe iimali "Siboleke", kodwa ngaba nyhani? Ezi zindululo ke elinga gqitha, kwaye kwezinye iimeko kwisithuba credit-free ungaba kuze iintsuku eziyi-200. Yintoni yokuzimela iqhinga, kwaye buyanceda umntu esitratweni, ngokwenene?

Njani ukwelixesha loxolelo

Indlela-free okanye abolekisa concessional isetyenziselwa ixesha elide kwaye isebenza ngolu hlobo lulandelayo:

1. A ikhadi lokuthenga ngetyala yaye ixesha umdla-free ivulwe ebhankini okhethiweyo okanye imeyile kufika.
2. Iqala xesha yokuhlala - ixesha apho uthenga ngalo kwimaphu; ke, ibhanki ulawula imali seendleko, kwaye ubonelela ngokuba ngokuqhelekileyo iintsuku ezingama-30. Ngokufuthi, ekuqaleni kweli xesha lo mzuzu of map lokuvula (ingongoma maxa wambi ukuqala na operation lokuqala ukusebenzisa ikhadi).
3. Iqala credit cards ixesha ubabalo, yaye ibizwa ngokuba uhlawulayo. Ngeli xesha, onetyala unyanzelekile ukuba abuyele otyalwayo yakhe yonke ngoncedo lwe-mali. Ukuze uphephe ukuhlawula inzala ngemali-mboleko, nje ngokwaneleyo ukuba babuyele yonke imali oyibolekileyo kwangexesha.

Igama elithi yomdla-free ukusetyenziswa wezemali yebhanki kushwankathelwe nga kunye nexesha zokuhlala, ukuze ukuba zizonke kwiintsuku ezingama-50.

Xa kufuneka ukuba uhlawule inzala

Kwiimeko apho imali ebolekiweyo ingaphumeleli ukuba angachacha ngokupheleleyo, ibhanki iya ibize inzala imali echithwa ngeli xesha zokuhlala. Ngeli xesha ubabalo umhla lokwenza intlawulo ubuncinane, ezifikelela ku-5 ukuya kwi-10 ekhulwini kwimali iyonke zingamashumi, kunye inzala kwimali-mboleko.

Ekupheleni kwethuba ingxelo yokuqala (iintsuku ezingamashumi amathathu) liya kuqalisa iminyaka kwesibini. Iza kusebenza ngaxeshanye kunye billing. Oku kuthetha ukuba, ngexesha elifanelekileyo ngokuthi ihlawule eli tyala ukuthenga ezidlulileyo, kunokwenzeka ukuba ukusebenzisa ikhadi yokwenza ezintsha.

izibalo Okukodwa

Ukumisela imali nenzala ethe kuxhomekeke ngexesha inamathuba amabini, intlawulo ibalwe. Kuba inkcazelo lula nokuqonda ngcono ukuba ukubhenela umzekelo ethile.

umzekelo

Ukuqala kwexesha ubalo lixesha xa ikhadi lokuthenga ngetyala yaye ixesha umdla-free ebhankini, okanye, kwezinye iimeko, ukusebenza kwayo. Sazigqibela ukuba umhla ikhadi lokuvula March 1, kwaye ngenyanga edlulileyo ikhadi luchithwe engange-30 000, ngoko ngomhla woku-1, oko kukuthi ,. E., emva kweentsuku ezingama-30, uya kuba isiphetho kwexesha kwee lokuqala. Bank siyibeka iziphumo kwaye ufumanise ukuba ingakanani imali eyachithwa imali yenyanga edlulileyo, kwaye uza kunika uMthengi isaziso ecacisa inani ityala. Kulo mzekelo, iya kuba-30 000 engange. Ulwazi inganikezelwa ngeendlela ezininzi:

• nge isaziso SMS;
• zebhanki Internet;
• Tsalela ibhanki umnxeba-iziko.

Emva koko kulandele ithuba kweentlawulo. Masithi ke iintsuku zekhalenda 20. Ngoko ke, kubonakala ukuba uya kubuya nemband April 21. Ukushwankathela zombini maxesha, sifumana iintsuku 51, nto leyo kubananisi kwaye kuboniswa credit cards isithuba saphambi korhafelo, okanye inzala-free.

Kubonakala ukuba umxhasi, lowo akakuthandi ukuba ahlawule inzala ngemali ibhanki iya kuhlawula zonke iindleko de-21 Apreli. Oku akuthethi ukuba imali kufuneka zibuyiselwe ngexesha elinye, kunokwenzeka ukuba alabe libe inani kweentlawulo, okona kubaluleke kakhulu, ukuba ngu-Aprili 21 kwimephu iphelele loo mali (kulo mzekelo - 30 000 engange).

Ukuba udinga imali

Kubalulekile ukuqaphela ukuba ikhadi lokuthenga ngetyala yaye ixesha umdla-free akakwaleli ukusetyenziswa okuqhubekayo ngetyala ngexesha nelungelo. Uyakwazi ukuqhubeka ukuthenga nge-credit card, ngaphandle kokuba, kakade, kuvumela umda ngetyala. Ukuba ukongeza imali ebolekiweyo iza ezifunekayo omnye engange-5 000, yaye kwimephu, umxhasi unelungelo elipheleleyo ukuzisebenzisa, kuphela ukuhlawula umdla mboleko, ukuya ku-Aprili 21 baya kucelwa ukuba babuyele ayikho-30 amawaka engange, bonke waboleka amawaka 35 engange.

Ukuba ukubuyekeza ngokupheleleyo ityala akunakwenzeka, akunamsebenzi. Nje April 21 Umxhamli kuya kufuneka benze ubuncinane intlawulo ubuncinane. Kwezinye iimeko, isusela ukusuka kwisi-5% ukuya kwi-10%.

Kulo mzekelo, bacinga ukuba intlawulo ubuncinane kufuneka-10% etyala elo. Ngenxa yoko, xa ekuphelisweni ukwelixesha loxolelo kwi amanqaku lakho ngetyala kufuneka babhaliswe ubuncinane 3000 engange. Lonke ulwazi lidla eziqulathwe kwingxelo ukuba iibhanki sizama ukunika abathengi zabo ngencwadi ebhaliweyo. Ukuba ithathele ingqalelo ukusebenza kwexesha ukubala, okt de Aprili 1.

Oku kufuna ingqalelo ekhethekileyo ixesha mali olandelayo, oko kuya kuhlala ukususela ngo-Apreli-1 ukuya Meyi 1. De-Aprili 21, iiphiriyodi ezimbini ziyangenana kwaye, sanga enyanzeliswa phezu kwezinye. Oko kukuthi, ukuba ityala zihlawulwe ngokupheleleyo phambi-Aprili 21, lo zesixa sentlawulo lisezantsi ziya kubalwa kuthathelwa ingqalelo yetyala lonke ukususela ngoMeyi 1.

In lwalo langoku, ichithe 30 000 engange yokuqala,-10% yayo yenziwa ntlawulo ubuncinane. Koko, emva Aprili 1, ikhadi isusiwe omnye engange-5 000. Ngaloo ndlela, ityala ngecredit card ngoMeyi 1, uya kuba 32 000 engange, kunye nentlawulo ubuncinane, ngaloo ndlela uya kuba 3200 engange. imali idiphozithi kufuneka ube de-21 Meyi.

Kubonakala ibenomtsalane kakhulu zokubhankisha umnikelo mboleko kunye ixesha ngobabalo elide iintsuku ezilikhulu, yaye ngakumbi. Ithuba accounting lokuqala amakhadi ezinjalo, njengakwimeko yokuqala iintsuku ezingama-30, uze uhlawule ityala yebhanki ngaphandle nayiphi na inzala elongeziweyo umthengi zingaphelanga iintsuku ezingamashumi asixhenxe elandelayo.

Indlela yokubala ixesha simahla ukususela ukufumana yokuqala

Olu khetho luyafumaneka kwakhona xa ixesha ingxelo awuqali umhla wokukhutshwa okanye ipoti ye-khadi, kodwa kuphela kuqala besebenzisa oko. Loo ikhadi lokuthenga ngetyala yaye ixesha umdla-free kubathengi kunye kakhulu kukhuphiswano. Oku kungenxa yokuba, ngoko nangoko sebenzisa, oko ingasetyenziswa xa ufuna emva ikhadi lakho akuhlali nto. Oko kukuthi, phambi kokuba imveliso yebhanki enye usoloko ezinye uhlobo reserve zemali. A yokubala komdla lwenziwa ngaphandle amaqhinga ezimdaka.

Masithi ukuba ikhadi sifunyenwe ngeposi ngoMatshi 1 ize ihlawulwe ukuba zithengwe yakhe, 24 kuphela kaMatshi. Ngenxa yoko, esongeza kulo mhla kweentsuku ezingama-30, nto ujika ukuba ekupheleni kwexesha kwee iza kuwa phezu April 23. Ukuze siphephe ukuhlawula inzala, ufuna ukuhlawula lonke ityala ungadlulanga owe-13 Meyi. Ke likwaqhuba kunikwa inceba yeentsuku ezingama-50.

Xa ixesha kweentlawulo kulungisiwe ngokungqongqo

Yenza izibalo kunye nexesha ikhalenda ukufumana phandle i imida (ubabalo, zokuhlala) akusoloko elula, ngoko ezinye iibhanki amisele ngosuku oluthile enyangeni leyo, ngenxa ixesha elithile. Kulo mzekelo, akukho kuthethwa ngexesha zokufumana ikhadi okanye ekuqaleni ukusetyenziswa kwayo. Ngokufuthi ekupheleni kwexesha kwee uba ngolokuqala enyangeni kunye nesiphelo ubabalo - 20 okanye 25 enyangeni leyo, kuba kwenziwe elandelayo.

umzekelo

Kulo mzekelo oku ngolu hlobo lulandelayo: kwi-credit efunyenweyo ngoMatshi 1 billing iphela Aprili 1, akunamsebenzi nokuba yintoni umhla wenyanga ukusebenzisa ikhadi. A lokuhlawulwa kwayo yonke imali yetyala, okanye noko yenze iziko lamatyala yentlawulo ubuncinane kuya kufuneka alinde de April 25.

iimeko ezahlukileyo yeebhanki

Nokuba enye yebhanki lungazia iimephu ezishiyanayo amagama ngetyala. Eli cebo iyasetyenziswa, "Alfa-Bank" inika abathengi zayo iintlobo ezimbini amakhadi:

1. ikhadi lokuthenga ngetyala kwisithuba seentsuku ezili-100, nto leyo iqala kokufumana ikhadi kwaye iquka kwisithuba seentsuku ezingama-30 kunye nexesha ebalwe zoxolelo iziyi-70.
2. ikhadi lamatyala co-branded ngetyala ixesha free nga ukuvulwa kunye neenkampani ezinkulu (umz iindiza). Ngenxa yale bank intsuku zoxolelo imveliso liye lancitshiswa iintsuku ezingama-60.

Njengoko ixesha ubalo loqalo lwencopho, ngokuthatha umhla lokuqala kwekhadi abatyalwayo ezifana Ekhaya Credit kunye "Sberbank". ixesha Grace amakhadi ziintsuku ezingama-50.

Bank "Standard Russian" kwandisa kwithuba leentsuku ezi-5, 30 ezinxulumene kwithuba yetyala kunye 25 - ukuze engcono.

ixesha Free "Tinkoff" inani elifanayo leentsuku, kodwa iqala ukuthenga yokuqala. Kodwa credit card kunye ixesha umdla-free, "VTB 24" liye iintlobo ezahlukeneyo, ngokuxhomekeke kubungakanani mboleko, kodwa ixesha ubabalo ubuncinane iintsuku ezingama-50.

Ukwelixesha loxolelo inkulu

A ikhadi lokuthenga ngetyala yaye ixesha umdla-free leentsuku 200 kunqabile kakhulu, ukuza kuthi ga ngoku, le mveliso inikeza abathengi Bank yayo entsha "Avangard". Isixa ikhadi enjalo letyala encinane, kodwa inkonzo ikhadi kunokuba imali eninzi. Kwaye ungakwazi basebenzisa eli sithembiso kanye kuphela.

iingongoma ezibalulekileyo

Xa ufaka ngecredit card, kubalulekile ukwazi ukuba ukwelixesha loxolelo uninzi lwabo usebenza kuphela iintlawulo non-cash. Fumana ibhanki, phakathi apho kukho ikhadi lokuthenga ngetyala yaye ixesha inzala-free on etsalwe cash, kuba iimveliso nzima ngetyala. Uninzi nababolekisi ziyabhatalisa umndilili wepesenti eyongezelelweyo etsalwe imali kwi-ATM.

Ngokusayina isivumelwano, umthengi kufuneka jonga ishedyuli yentlawulo kufuphi ikhomishini zebhanki imbopheleleko, oluya kubhalwa ziyacinywa kanye ikhadi kwaye ziya kongezelelwa ityala lilonke. Ngokuqhelekileyo, oko yinkonzo ikhadi intlawulo, inkonzo SMS, inshorensi.

Kufuneka ujonge ukuba umhla ibhanki iya kuba lixesha kokufunyanwa kweemali. Hayi yokuba ingqamana inani enyangeni, xa imali zachithwa kulo. Ngokuqhelekileyo eli xesha kokufunyanwa kweemali ngenxa yomahluko phakathi mihla kuba ukuya kwiintsuku ezi-3, nkqu ngaphakathi kwiziko elinye ngetyala. Singasathethi ukhutshelo yeposi kunye nezinye iinkqubo intlawulo.

Xa isigqibo ukuvula ikhadi lebhanki letyala, kufuneka uthathe ingqalelo injongo isicelo yaso, ukuba kunini ithathwa ngokuba ixesha umdla-free. Kananjalo kuya kufuneka ukuba ufundisise imiqathango egcina imali, nto leyo zinokwahluka kakhulu. Akukho mfuneko sukela ukuba uyithandile kuqala isindululo kubhetele ukuba bahlaziye "kwizazi" kunye "bawo."