Ikhadi Bank ingeniso: Rating, iimbono, iimeko kunye nohlolo

Abantu abaninzi bacinga ukuba iibhanki mihla enikiweyo debit kuphela okanye ikhadi lebhanki letyala, kodwa eneneni kukho zezo zinika ukuyibiza rhoqo umdla, yaye kuthiwa 'kuyingenelo. " Imephu yale hlobo namhlanje asondezwayo inani elikhulu ngokwaneleyo yeebhanki, yaye ngamnye kuzisa ngokwemiqathango yalo kunye nemiqathango. Kungenxa yesi sizathu ukuba abantu abaninzi baqalisa ukucinga ukuba ukhethe indlela ikhadi ekunene kwaye ufuna siwasebenzise elizayo.

Yintoni na?

ikhadi inzuzo - i-akhawunti apho ibhanki iya kuqhubeka ibize inzala kuxhomekeke yimalini eseleyo kwi-akhawunti. Kubalulekile ukuphawula ukuba kukodwa ikhadi enjalo credit okanye debit card, kodwa nenzala efumanekileyo intsalela wenziwe kuphela kwimeko-akhawunti yakho.

Yintoni ukukhetha?

Ukuza kuthi ga ngoku, le amakhadi inzuzo zinika amacebo ezahlukeneyo accrual umdla. Makhe sihlolisise apha ngezantsi.

ibhonasi ngenyanga

Izinga kulo mzekelo iya kuxhomekeka ngqo kubungakanani iyonke eseleyo ubuncinane ekupheleni kwale nyanga, kwaye kananjalo oko uhlobo ikhadi ingqalelo.

Umdla rate, kwakunye nezinye iimfuno abasakwazi okwahlukeneyo kwaye zixhomekeke ngqo koko ibhanki wena bakhetha. Ngoko ke, umzekelo, phantsi kwemiqathango "Promsvyazbank" ubuncinane yi-15 000 engange, apho ibhonasi umthengi ziya kunikwa ngendlela ka 4.5%, lo gama i "Bin" kunika ithuba lokuba bahlale amanqaku yakhe-10 000, yaye okwenza izinga eliqingqiweyo-5%. Kulo mzekelo, uyakwazi ukuqonda ngokucacileyo kakhulu imephu kutshintsha indlela inzuzo ngokuxhomekeke kwiziko apho bakhetha ukuba ukuzihlela.

ibhonasi ngemihla

Kulo mzekelo, isixa ubuncinane eseleyo kufuneka igcinwe yonke imihla ukuqinisekisa ukuba loo mntu kwabalelwa bonus. Kulo mzekelo, isixa umdla kwiimeko ezininzi onyukele kumaqondo nenzuzo phakathi indices-8% ne-10% ngonyaka.

Yintoni inzuzo ukuya umthengi?

Okokuqala amakhadi zebhanki inzuzo i uhlobo eyenye iimeko mihla needipozithi zexesha elifutshane, ngexesha ukuba kakhulu, intle kakhulu izinga lenzala. Ukongeza, ngokuchaseneyo ngomgangatho ifakwe kwibhanki, soloko unalo ithuba ukurhoxisa imali akhawunti zabo ukuze bachithe nabo kwiimfuno zabo.

Abathengi bona badla ndithi kwiirivyu zabo ukuba ezinemali ikhadi debit okanye ikhredithi kusoloko kufuneka iimeko ezithile, nto leyo ayisoloko naleyo ingeniso efanelekileyo, kodwa iimali ezifunyenweyo uninzi amatyala Kwanele ukuba lugubungela ngokupheleleyo iindleko zenkonzo okanye intlawulo zebhanki mobile.

Okulandelayo sijonga zezona ndlela zokuhamba leebhanki kumsebenzisi ngamnye ngokunokwabo ukwenza uthelekiso iziphakamiso ezikhoyo. Kulo mzekelo, sasidla ukhethe nenzuzo ikhadi rating, eyakhelwe umsebenzisi ingxelo.

"PSB"

"Promsvyazbank" inikeza nabathengi ikhadi ebizwa ngokuba "wonke-wonke", kodwa eneneni akwaziwa koko magama thembisa kule ngobuwena, kwaye ukuba baphile ngokuvisisana negama labo.

Ngokwabo card inzuzo sekhredithi ebhankini azifumaneki, kwaye ngokungqinelana nale siphakamiso, imephu kungabalelwa okanye debit. Kulo mzekelo, maphu kusetyenziswa ubuchwepheshe kweentlawulo licwecwe kunye ezihamba ezongezelelweyo eyenzelwe ukunika ukhuseleko lekhamera. Kubalulekile ukuphawula ukuba nangona le mephu akuthethi ukunika umda ngetyala, unako ukufumana iibhonasi eziliqela nice ukuba zinika ingeniso entle.

Yintoni na le ibhonasi?

Ubukhulu becala ke, kufanele kuphawulwe imali umva, ubukhulu apho yi-5%. Kakade ke, imbuyekezo enjalo kude kakhulu kwizinto ezithengwa non-cash, kodwa kuphela ezo zinto zifunwayo ziza eyenzelwa udidi oluthile. Uyakwazi ukutshintsha udidi, loo nto nkqubo yenziwa hayi ngaphezulu kwe kanye qho kwiinyanga ezintathu. Le mali iphezulu kunokwenzeka ngokwemivuzo kwe-1 000 ngexesha inyanga kwikhalenda.

Kuba abo got eli khadi phambi November 1, ubonelela accrual kwenzala kwimali. Bonke abanye ukuba ngamnye wavula akhawunti yokonga ebhankini, emva koko gqolo ukufumana 6% kwisixa ukuba ibekwe engange.

inkonzo Ikhadi wenziwa ngokupheleleyo okanye phantse simahla. Ngokupheleleyo inkonzo free inikezelwa xa imali rhoqo kwikhadi wakho ungabi ngaphezu kwama-50 000 engange nyanga nganye, okanye wenze ukuthenga imali engange ngaphezu kwama-30 000. Kufuneka kuqatshelwe ukuba imali yenkonzo leyo zihlawulwe njalo ngenyanga nganye okanye kanye ngonyaka, ngokuxhomekeke kuyo khetho ngokuba kuwe ngaphezu eyamkelekileyo. Umzekelo, ukuba umvuzo ikhadi lebhanki uhlawulwa kanye ngonyaka ngaphambili, kodwa ke ngokomyinge, ubunokufumana iindleko eziyimfuneko okanye ukulingana, kulo mzekelo kuni ngokuzenzekelayo inyathelo elilandelayo azive ekhululekile.

Wonke umnini ikhadi enjalo iba ngokuzenzekelayo ithatha inxaxheba kwezi nkqubo bonus PSBonus. Kuba zonke wachitha engange-150 uya kunikwa amanqaku-10, kuyafana engange enye eyongezelelweyo. Chithani isikolo sakho siya kuba emva kokuba uthathe amanqaku 7000, ezisetyenziswa ukuhlawula mabangabi ngaphezu kwe-90% kulo ixabiso lokuthenga kwelinye iinkampani sibambisene le bhanki. Ukongeza, ungasebenzisa kwakhona i imali yebhonasi kwintlawulo elandelayo lwenkonzo ikhadi yenyanga.

Kuye ithuba lokuba free ngokupheleleyo ukukhulula amakhadi amabini ngezalamane, yaye ngaloo ndlela zonke ziya kubonelelwa mahala SMS-kwaziswe.

Rocketbank

Besuka Rocketbank inxalenye iimephu intle yonke ingeniso lucetywayo. Eli khadi sikhutshwa yibhanki "Interkommerts", kwaye phezu kweli khadi iza kugcinwa yonke imali ukuba uya kufumana uzuko ikhadi. Kubalulekile ukuphawula ukuba kwesi sigaba, aphela ngokupheleleyo inxaxheba ebhankini, kangangokuba sele usebenza ukuba iqela eyahlukileyo ozahluleleyo IT-iingcaphephe. isicelo Umgangatho kuba smartphone ekuqaleni inzuzo eliyintloko luphawulwa ibhanki, kodwa a plus ezimbalwa noko ebalulekileyo eli khadi ifakwe ngokuhamba kwexesha. Nangona isibakala sokuba ngokusebenzisa le mephu akunakwenzeka ukufumana imali-mboleko, oko yenye izindululo kakhulu ukhetho.

iindleko

Njengoko akumangalisi njengoko kuvakala kwamanye amazwe, kodwa eRashiya kule mini imali ukuba umntu agcine imali yabo ebhankini, kodwa kule nkalo, "Roketbank" ikwanikezela ezininzi iimpawu luncedo kunye neebhonasi. Kufuneka kuqatshelwe ukuba ukugcinwa eli khadi kunokuba free ngokupheleleyo ukuba umsebenzisi kanga izinga 'Ukukhanya "ndakubamba iintengiselwano ezifikelela engange ngaphezu kwama-30 000. Bonke abanye bahlawula 75 okanye 290 engange ngenyanga.

Ukukhetha uluhlu lwamaxabiso "Ukukhanya", unikwa notsalo five ezamahala evela-ATM, kwakunye ithuba yokutshintshelwa lwangaphandle ngokuthunywa ye 0.5%. Ukongeza, onke ukuthenga olwenziwe yebanki, isigulane flash emva kumyinge we-1%.

Ukuba usebenzisa i lwamaxabiso "bonke ebandakanya wonke", obiza engange-290, amaxesha 10 imali urhoxisiwe ngaphandle iikhomishini nangendlela efanayo ngaphandle iKhomishini ezithunyelwa kwamanye kwiibhanki, lo gama umvuzo ngokubamba ukuthenga ifikelela 1.5%. Ngoko ke, ukuba imaphu uchitha ngaphezulu kwe 58 lamawaka engange nyanga nganye, ukunyuka kwi "cashback" 0.5% iya kukuvumela ukuba ukugubungela ngokupheleleyo le ntlawulo.

Ikhadi semali "Savings Bank" unika% esele 3.5 kuphela, kodwa lunqongophele ngokupheleleyo cashback.

Revenue abaseleyo ngalinye

NgokoMthetho angaziswa bafumane ingeniso kwimali, imali leyo yi-9% ngonyaka, kodwa ekuhambeni kwexesha kufuneka kubekho amawaka 30-300. Ukucutha imali ubuncinane ayikho nje enomtsalane njengoko inkoliso nezinye iibhanki, akunjalo, kodwa ngaxeshanye, xa kuthelekiswa ne-kontanga yayo ngqo, "Rocket" unika isindululo ezimbalwa ngaphezulu, ngoko ukusekwa okusoloko kuyinzuzo.

Kwakhona, nokuthenga zonke uya kufumana inxalenye ethile ngasemva, ukuba nizibambile kuzo transfer bank. Kubalulekile ukuphawula ukuba ikhadi ikunika-1% yazo zonke izinto ezithengiweyo, lo gama ezinye amakhadi zikuvumela ukuba izakugcina ukuya kwi-5%, kodwa kuphela uluhlu ezithile iindidi okanye anyanzeliswe ukuthenga nangokunyanzelwa kwiinkampani ezithile.

Malunga ireyithi ngonyaka ofanayo ikhadi sikwancedela bin, kodwa kwakhona, oko akuthethi ukuba umsebenzi onjalo mnandi ngayo cashback, nto leyo ibaluleke kakhulu ngokwemimiselo eyiyo.

The main inzuzo

Nangona ukuba ngokoMthetho zabo ikhadi liphantsi kakhulu, njengoko kukhankanyiwe ngasentla, inzuzo yalo ithuba ukulawula indlela yabo ngokusebenzisa standard iPhone.

Ngoncedo izicelo eyodwa ngokwamaqela iindleko eyakhe umba, kwaye ke ngaphandle kobunzima ukubukela lisetyenziswa apho imali yakho. Kulo mzekelo, umsebenzisi inawo onke amathuba ukuncamathisela tags yabo, nto leyo eya kuba kakhulu kangangoko kuye. Ukongeza, kukho kwakhona umsebenzi lwabiwo-mali joint, xa zidibene amakhadi ezininzi kuthungelwano ngokupheleleyo-enobugcisa.

Kwakhona eli ibhanki inikeza inkqubo transfer ekhethekileyo ngokupheleleyo, wena umane ukhethe igama kwi nencwadi koko uqhuba lodibaniso lwemali uze uthumele. Kwandule ke ukubakho umamkeli umyalezo wombhalo ngazo uyakwazi isigqibo oya udumo nemali zemisebenzi ezifunyenweyo kwi-akhawunti yebhanki okanye ngeselula. Ukuba umthengi uhlawula imali engange-290 ngenyanga, iingxelo ezinjalo ngenene simahla kuye.

ezinye iinketho

Ukongeza kwezi namakhadi asuka kwezinye iiBhanki kukho eziliqela nezinye iziphakamiso. Ezi amakhadi ziyingxenye uluhlu ndlela ilungileyo phakathi ezikhoyo namhlanje, nangona kunjalo, mhlawumbi izindululo ezivela kwezinye kwiibhanki, uya kukufumanisa inzuzo enkulu.