Ikhadi lamatyala "iintsuku 100 ngaphandle kwenzala", "Alfa-Bank": iimeko, inzala

A credit card kunye intsuku zoxolelo namhlanje inika yonke ebhankini. Kodwa ke uninzi mabanikele iintsuku 60 ukusetyenziswa mboleko inzala-free. Nangona kunjalo, kukho imveliso emarikeni kunye ngokwemimiselo umdla ngakumbi inkonzo. Omnye wabo - ikhadi lamatyala "iintsuku 100 ngaphandle kwenzala." "Alfa-Bank" inika iimeko ubenomtsalane iinkonzo.

ukwelixesha loxolelo

ikhadi lamatyala olunikiweyo nexesha apho umthengi Ungasebenzisa imali waboleka ngaphandle kokuhlawula umdla phantsi kweemeko ezithile. Eyona nto ibalulekileyo kubo - ukuvala ityala de kuphele ixesha ubabalo. Kungenjalo, ibhanki iya inzala.

Kubalulekile kwakhona ukuba izigqale izinto uhlobo ukusebenza udlulisela ukwelixesha loxolelo. Ngokuqhelekileyo kuphela intlawulo non-cash yeempahla. Kwimeko etsalwe imali evela ixesha ikhadi ubabalo reset.

Imiqathango yosetyenziso

Kwakhona kubalulekile ukubala algorithm. Ixesha ubabalo iintsuku 120 akuthethi ukuba umthengi angasebenzisa yonke le mali ngoku, uze ubuyele ityala iinyanga ezintathu. Ixesha ngqo ixhomekeke mhla luqala ngawo umdla calculation. Ukwelixesha loxolelo alukhabi imbopheleleko mboleki ukwenza intlawulo yenyanga.

iimpawu

Esiza kuxubusha ngayo ngokweenkcukacha imephu umahluko "Alfa-Bank", "iintsuku 100 ngaphandle kwenzala" kwezinye izinto ezifanayo ezivenkileni.

Grace ixesha usebenza kuzo zonke iintlobo zentengiselwano, kuquka notsalo imali-ATM. Le nyanga ezintathu-ukulibaziseka ukuhlawulwa kwenzala inikwe kuphela kwiziko kwikhadi abolekisa bemveli. Le meko ayisebenzi co-brand card kunye nokuxhasa nobuchwepheshe iintlawulo Noncontact. On izixhobo intlawulo enjalo kuya kubakho ixesha ubabalo leentsuku 60.

Imephu inikeza intlawulo mandatory -mali ka-5% etyala, kodwa hayi ngaphantsi kwe-320 engange. Dlulisa imali kwi-akhawunti kufuneka nyanga zonke ngexesha lonke ixesha behlawulwa. Iqala inani kwesivumelwano kwaye ithatha iintsuku ezingama-20.

ixesha Countdown-free uqala usuku emva ukuthenga yokuqala. Ekupheleni kweentsuku 100 ezazifuneka ukuze ndihlawulele off lonke ityala ukuya nemalanana. Ukuba le mfuneko kantu, ngoko ke inzala iya kongezeleka kwaye ukwelixesha loxolelo elilandelayo akayi ukuqala.

"Alfa-Bank": ikhadi lamatyala "iintsuku 100"

Iimeko, credit card "iintsuku 100" makhe sihlolisise:

1. Chwetheza: Visa Classic.
2. Kunikezelo: Instant.
3. iimpawu kwiTeknoloji: 3D Secure.
4. Inzala kwimali-asethi zakho: Akukho.
5. Issue Intlawulo: namnye.
6. Rate: 19% -32%.
7. Charge: 1290 engange.
8. Intlawulo yemali: naziphi-ATM: 6.9%, min. 500 engange.
9. Nciphisa ku bakhupha 60 amawaka engange .. ngalinye ngenyanga.
10. Kwimeko zokugxojwa ngokoMthetho kokuhlawula intlawulo lincinane kakhulu ityala isohlwayo ethe-1% yonke imihla.

Apho ikhadi sikhutshiwe "iintsuku 100 ngaphandle kwenzala"? "Alfa-Bank" inika nabathengi ukukhupha ikhadi eziqhelekileyo okanye ngaluphi emasebeni kwiziko lamatyala. Indlela yokwenza oko;

• Gcwalisa ifomu, ukunika ulwazi kunye neenkcukacha zoqhagamshelwano ezifanelekileyo.
• Yamkela i Manager Credit ngeentsuku ezi-5.
• Ukuba isicelo samkelwe, isicelo kwi-ofisi ukuze ufumane imephu.

Ukongeza, ezi nkonzo kube lixhulumene:

• inkampani yeinshorensi yobomi "Alpha Insurance" - 0.8% qho ngenyanga;
• "Alfa-Khangela" - SMS-isaziso zonke iintshukumo kwi-akhawunti - 59 engange.

Iimfuneko ababoleka imali

Imaphu "Alfa-Bank" kunye kwisithuba ubabalo leentsuku 100 sikhutshiwe ukuba ngaphezu kweminyaka engama-21. A umboleki enokwenzeka kufuneka ingeniso yenyanga eyi-9 amawaka. Thambisani. kwaye usebenze kwindawo enye kangangeenyanga ezi-3 ubuncinane. Kwakhona, oku kufuneka ubhaliso yasekuhlaleni.

Umlinganiselo wenzala sibalwa ngokwahlukeneyo kumntu ngamnye, kuxhomekeka kwimbali yamatyala umboleki kunye namaxwebhu. Ukufumaneka iziqinisekiso zengqesho, amaxwebhu data kwi iimoto, yokundwendwela kwamanye amazwe nge kwinqaku uhambo lwakutshanje phesheya, lo LCA nkqubo ukunciphisa kakhulu ipesenteji. Isicelo ikhredithi khadi ezikhutshwe phambi amaxwebhu ubuncinane ezimbini, enye yazo kufuneka ibe yokundwendwela Russian.

Icebo lomsebenzi

Ukuze siqonde ngcono indlela ikhadi lamatyala "Alfa-Bank", "iintsuku 100 ngaphandle kwenzala", esiza kuxubusha ngayo ngokweenkcukacha nkqubo ilandelayo.

Masithi isivumelwano umthengi sele kugqitywe nge-22 Novemba. inombolo Inyanga 22 iza kuba ngomhla kwiphepha lomncono. Emva kweentsuku 6, t. E. NgoNovemba 28, umxhasi kuhlawulwa ukwenzela ukuthenga evenkileni eli khadi. Ukwelixesha loxolelo iqala nge-29 kwaye uya kuthabatha iintsuku 100, okt de-9 Matshi.

Kwinyanga kamva - on December 22 - umthengi uya kufumana iSMS, nto leyo iya kubonisa imali echithwa. Imihla 20 ezilandelayo zabelwa ukuze wenze intlawulo efunekayo (de Januwari 11). Masithi le mali kwi-akhawunti on December 28, kodwa kuhlawulelwa kuphela yinxalenye yetyala kwi Cjsc "Alfa-Bank". ikhadi Bonisa ngesithuba ubabalo leentsuku 100 baqhubeka ukusebenza kwiimeko engcono. , Omnye ixesha Grace iphela yaye omnye iqala ukuba ixesha client ukuhlawula lonke ityala de-9 kuMatshi. Ukuba yonke imali yetyala ayihlawulwanga ngendlela ngexesha, kuya kuqalisa zizakusebenza.

Phi nendlela yokufumana phandle imali, umhla wentlawulo? Fumanisa imali yetyala ngalo naliphi na ixesha yokumpompoza, nto leyo ebhankini Internet, esebenzisa isicelo mobile, iziko lamatyala kwisebe, kweli ziko loqhagamshelwano umsebenzi.

Ubuhle lobubi

Ndimncinile ngokweenkcukacha zonke bokuqonda usebenzisa ngeplastiki ukushwankathela, nokuba kufuneka ngokwenene ngecredit card, "iintsuku 100 ngaphandle kwenzala"? "Alfa-Bank" inikeza isixhobo sentlawulo umdla. Kwiinyanga ezintathu ukusetyenziswa engcono kusebenza kuzo zonke iindiidi imisebenzi. Abasebenzisi ababhekisa phambili ikwazi ukulawula akhawunti ngqo nge ebhankini intanethi khangela intsalela, funda isicatshulwa, ukutshintshela iimali, ukucima ityala. Abo kunye Internet 'phezu kwakho ", Unakho ukuqhagamshela inkonzo SMS-isaziso kwaye ufumane iingxelo akhawunti efanayo ngqo kwifowuni yakho.

Kukho enye inzuzo enkulu ubephethwe ikhadi "iintsuku 100 ngaphandle kwenzala." "Alfa-Bank" inika abathengi zayo iindlela ezininzi ukuhlawula ityala: bank transfer kuyo nayiphi na iakhawunti, ukufakwa kwemali ngalo osethilini ngaseludinini,-ATM, "JCB" ezinjengeetheminali, kwinkqubo UQHAGAMSHELWANO, "eshukumayo Slow", "Isixeko". Kuba ubhaliso lokutshintshela kufuneka nje ukuba ukhankanye inombolo yekhadi kunye negama umamkeli.

Inye kuphela ethile, nto leyo eye imephu "iintsuku 100 ngaphandle kwenzala." "Alfa-Bank" ziyabhatalisa imali ngenyanga ukuze SMS kunye zebhanki ngekhompyutha. amaziko ezininzi lokubolekisa zinika ezi nkonzo simahla okanye ngentlawulo engephi.

Amanye ukunikela kwi kwimarike

Ulibaziseko ngokusemthethweni ukuhlawula inzala (ukuya kutsho kwiintsuku 200) inika "Vanguard" ngetyala amakhadi Visa kunye MasterCard. Yifumane angazenzela nawuphi umthengi entsha enye abangazange basebenzisa overdraft. transfer ngenyanga yi-10%. Ukuba, phambi we-19 kwinyanga yesixhenxe emva ekurhoxisweni kwemali kwi-akhawunti isemva, inzala iya kuhlawuliswa kuzo zonke iintsuku lokusetyenziswa bureaux ukunyuka kwezinga ka-24%. Le ongu ngu 150 lamawaka. Thambisani.

"Promsvyazbank" kwi "SUPERMAP" inika iintsuku 145 lobabalo ukusebenzisa zeplastiki. Esi sipho liyimfuneko kuphela ukuba abathengi abatsha, kwaye kuphela intengiselwano yokuqala. Zonke ezi zinto zilandelayo kufuneka libalwe ngokusekelwe iintsuku 55. Ukwelixesha loxolelo iqala ukususela kumhla wokukhutshwa ikhadi. Lwakugqitywa layo izinga ukunyuka ukuya 34,9%. Umda ophezulu ngetyala 600 lamawaka. Thambisani.

ngemihla ukuya ku-65

ukuba zonke iimaphu ndandiqhubeka banikwa ithuba ubabalo leentsuku ezingama-100. Kodwa ngamnye kubo umdla ngendlela yaso ukuya client.

"Rosbank" luvelisa iGlobe ikhadi apho zinikezelwe iintsuku 62 umdla-free. Ngesi sixhobo intlawulo ngeenkonzo ezinika umdla ngokusebenzisa inkonzo iGlobe incwadi ngaphandle Ngokubhekiselele iindiza. Umda credit isusela ku-300 lamawaka. Ukuya ku-1000 amawaka. Hlikihla.

Imephu "Lukoil-Uralsib" kubonelelwa kuphela ubabalo-ithuba leentsuku ezingama-60, kodwa unyaka wokuqala wenkonzo inikezelwa simahla. Xa kokufaka kwisikhululo igesi "Lukoil" usebenza izaphulelo abanyanisekileyo. Izinga Standard - 24%.

Ukulibaziseka leentsuku 55 sokuhlawula kwenzala akakho umntu wothuka. Kodwa nganye ziphakamiso zilandelayo iyodwa ngendlela yaso.

Credit Card "Yar-Bank" omenzelayo simahla kunyaka wokuqala. Ekupheleni kweentsuku 55 Ke eminye 17.5% utyholwa. Umda ophezulu ngetyala engange kwesigidi.

nabadlala ukufunda baqonde ikhadi "Tinkoff Bank» Kanobu. Ukongeza olujikelezayo umda we-700 lamawaka. Thambisani. abanini yeplastiki kufumana i-10% isaphulelo on site Kanobu. Kuba bakhupha Umxhamli kuya kufuneka ahlawule-5%. Ekupheleni ubabalo izinga ixesha ukusetyenziswa semali-23.9%.

"Bin" waba olulodwa kubakhenkethi. Imephu "Ihlabathi liphela" unika ithuba lokuba bafumane nokuhlenga iikhilomitha networks iqabane. mda ehlaziyekayo kuyahlukahlukana-mali ka 50-100 amawaka. Thambisani. Kuba ukusetyenziswa kwemali yekhredithi enikiweyo rate ye-22%, kwaye nangenxa etsalwe - 2.5% (ubuncinane engange-250). Ukongeza, abathengi Unakho ukuqhagamshela inkonzo inkcazelo SMS simahla.