Ikhadi lamatyala "Tinkoff": zoba nge kwi Internet

Kuxhomekeka yintoni injongo umboleki kufuneka imali, ikhredithi kubathengi zohlulwa ngokwendidi eziliqela. Ethandwa kakhulu zezi:

- ukuveza mboleko;

- kwiimeko zeemfuno ezingxamisekileyo;

- to ukuphumla;

- lemfundo;

- ibheyili;

- amakhadi Credit.

Ngomhla yokugqibela kuya kuxoxwa banzi.

Yintoni ikhadi ngetyala?

I-credit card ibhokisi yeplastiki logo ebhankini kunye estrip nosiba ubotshiwe kwi-akhawunti yakho ye client ngayo. Ehlabathini lonke, le imveliso logcino kukho okhuphisana kakhulu kwimali-mboleko kubathengi. Eli khadi ivumela ukusetyenziswa kwemali ebhankini ukuhlawula iindleko zokuya kutsho kowe imida ethile. ubukhulu kwayo kuxhomekeka kwinqanaba ingeniso kunye nomgangatho imbali yekhredithi.

ERashiya, kuthandwa kakhulu ikhadi lamatyala "Tinkoff" umba angaba kuphela kwi-Internet. Ukuba sithethe malunga neenkcukacha-manani, zaye zakhutshwa amakhadi ngaphezu kwezigidi 130 kule minyaka isibhozo idluleyo, uninzi lwabo ngetyala. Lo asinguye kumda. Namhlanje, ngokuba wonke ummi ehlabathini-avareji amakhadi ezintathu.

Iinkqubo ezininzi ethandwa intlawulo Russian ezi Visa kunye MasterCard. Amvumela ukuba ukuhlawula izinto ezithengwa ndirhoxise imali-ATM. Njengomgaqo, ungafumana ikhadi lebhanki letyala, "Tinkoff Platinum", electron, Classic, igolide kunye platina. uhlobo ngalunye iimeko ezahlukeneyo, irhafu kunye nemida.

Phantse zonke iibhanki kukuvumela ukuba wenze ngakumbi original umgca amatyala emva kwexesha elithile - ukususela kwiinyanga ezi-3 ukuya kunyaka omnye. Ukuba ngeli xesha uya kwenza iintlawulo rhoqo kwikhadi, ibhanki iya bakuthembe baze banike letyala ukufumana isixa esikhulu.

Ziziphi iimpawu ikhadi lamatyala "Tinkoff"?

Yenza ikhadi kuba kwi-Internet. Ukongeza, nayiphi na ikhadi yeentengo zemboleko kwiqela lokulungileyo ngemali. Imali iyafumaneka kwi ikhadi lamatyala, anikho phantsi isibhengezo xa uhambela phesheya. Kwilizwe langaphandle imephu epokothweni yakho ayiyi kuba naxhala exchange, kuba iinkqubo intlawulo ngamazwe ukuze ukubalelana na lwemali. Iibhanki yenza ukuguquka kwazo.

ikhadi lamatyala ikuvumela ukuba uhlawule phantse zonke iimpahla kunye neenkonzo. Konke oku kwenza kube lula ukuba ikhadi lebhanki letyala kunye "Tinkoff" - amalungiselelo igumbi ehotele, ahlawule ifowuni, isidlo sasemini kwindawo yokutyela, itikiti moya, njalo-njalo. Kulo mzekelo, bamakhadi kufuneka ithuba lokuthabatha inxaxheba kwiinkqubo bonus amahlakani yebhanki. Kusenokuba kunye iivenkile, kunye moya, kunye namagqudu, kunye nabanye abaninzi. rhoqo zabanjwa irallie izipho ezahlukeneyo.

Ngesi khadi, kumxhasi ngamnye ufumana ithuba lokuba ukulawula akhawunti zabo imini nobusuku, naphi na. Kungenzeka kwakhona ukuba akhuphe ikhadi ezongezelelweyo kwi-akhawunti kumntu esikufutshane ukufikelela kuyo.

Inzuzo ibalulekileyo yonke credit card ukwelixesha loxolelo, okt ixesha apho accrual komdlana zenziwe. Kulo mzekelo, ukuba usebenzisa le mali ngononophelo kwaye agcine ingqeqesho, kwakunye ukwelixesha loxolelo ixesha sibuyele lonke ityala, akunyanzelekanga ukuba ahlawule inzala.

Njani yaye phi ukufumana ikhadi ngetyala?

Yenza isicelo ikhadi lebhanki letyala, "Tinkoff" uyakwazi ngokupheleleyo wonke umntu, kodwa ngaphambi kokuba kuyinika eli imveliso zebhanki, ibhanki wenziwe yokutshekisha yomboleki. Ukuba unayo i-akhawunti, umzekelo, umvuzo, ngoko le nkqubo iza kwenziwa phantsi icebo lula.

Ukuze ufumane ikhadi lamatyala kunye umda ubuncinane kufuneka ubukho kwingeniso esemthethweni. Ukuba akwanelanga, unako ukunika into besibini. Zonke ezinye iimfuno ze bamakhadi phantse twatse kuzo zonke iibhanki.

ikhadi lamatyala ingakhutshwa ngaziphi iindlela?

Kukho iindlela ezininzi zokulungisa amakhadi ngetyala. Ungakwenza oko ebhankini, nge-Internet, ukuze kunye nokuthengwa okanye ukongeza ezinye izinto zebhanki. Makhe sihlolisise indlela nganye ngokweenkcukacha.

Ukufumana ebhankini

Kulo mzekelo, kufuneka utyelele isebe lebhanki, gcwalisa isicelo uze unike amaxwebhu ayimfuneko. Kodwa ke oku akuthethi ukuba "Tinkoff" ebhankini. Yenza ikhadi lebhanki kunokuba intanethi kuphela. I-Bhanki iqwalasela isicelo aze enze isigqibo yabo. Loo inkqubo ungatsala ukusuka kwiintsuku omnye ukuya esixhenxe. Ukuba isigqibo esifanelekileyo siya kuqhagamshelana igosa mboleko kwaye ndithi xa kuza kuba ikhadi lokugqibela.

Ziziphi iingenelo ntoni le ndlela?

- Unga ngesandla ungakhetha ibhanki ukufumana ikhadi uze ufunde ngakumbi malunga ngokoMthetho ngetyala.

- Kufuneka ithuba lokufunda lonke ukuba unomdla umphathi ngetyala.

- Umlinganiselo wenzala uya kuba esezantsi, kwaye umda inkulu Ngokungafaniyo nezinye iindlela.

Esi sithintelo kukuba zokuqokelelwa amaxwebhu kunye nokuhambela iBhanki kuya kufuneka ukuba sichithe iintsuku ezimbalwa.

Ukwenza imephu ukongeza kwezinye iimveliso zebhanki

Ukuba umthengi rhoqo kuyo nayiphi na ibhanki, esebenzisa iinkonzo zayo ngononophelo, mhlawumbi uya kufundiswa ikhadi lamatyala. Ukhetho olunye kwikhadi zokuposa. Ngendlela kangaka, ndize ekhutshwa yibhanki "Tinkoff" ikhadi lamatyala. Iziqulatho kwakhona ibe kwi-intanethi, kodwa ikhadi ngeposi, kakhulu, zathunyelwa ngaphandle ngokufaka.

Eli khadi linokunikezelwa ngumxhasi kuphela elihle, oko kukuthi, nembali ogqibeleleyo ngetyala.

Ethile yale ndlela

Zisasuka kukuba nayiphi na imiqathango yalo ayikwazi lityhale ebhankini. Le nto ubonakala ukukhupha ibhange "Tinkoff" ikhadi lamatyala. Iziqulatho ingaba kuphela kwiimeko apho elunxwemeni lomlambo lowo. Ukongeza, kukho umda omkhulu ngetyala, awukwazi ukubala. Kodwa umthengi unalo ithuba lokusindisa elininzi ixesha lakho, njengoko iziko yesikweliti, aya kuba yiyo yonke idatha yakho, ngoko ke musa ukuba kuqokelela amaxwebhu.

Ukufumana kwi-sikhokelo isenzo okanye uthenga

Kwidabi iibhanki umxhasi ngamnye kwi amaqhinga ezahlukeneyo. Umzekelo credit card, "Tinkoff", kunokwenzeka ukuba amalungiselelo inxaxheba na ukunyuswa. Umzekelo, oku zingafundiswa bangumnikelo ukuthenga okanye esitalatweni. Njengomgaqo, ikhadi enjalo ayisebenzi, kodwa ngenxa yakhe iya kuba imali encinane. Ukuze isebenze, yiya ibhanki - ukufowunela ukuya kwi-Internet, emva koko uba ikhona ikhadi. Kakade ke, oku kuphela xa kukho isigqibo entle ukusetyenziswa kwekhadi.

Le ndlela efanelekileyo abo wonqena nje kakhulu ukufumana ikhadi, okanye abo bangazange bengasenabuganga ukuyenza loo nto.

Ukufumana ikhadi nge kwi Internet

Njengokuba besesitshilo ngasentla, ungafumana ikhadi lebhanki letyala, "Tinkoff" kwi-Internet. Okokuqala kufuneka ukutyelela sayithi ze ugcwalise isicelo. Okulandelayo, uya kuqhagamshelwana ngumphathi oya ukucacisa zonke iinkcukacha nokunika ingxelo isigqibo yebhanki leyo.

Emva kokuba imvume kwekhadi unikelwa ngeposi okanye ngekhuriya, konke oko kuxhomekeke esixekweni.

ikhadi lamatyala "Tinkoff": zoba intanethi. reviews

Ukuphonononga kwi Internet uyakwazi ukufumana isixa esikhulu, yaye hayi bonke kubo, Kakade ke, ezintle. Akukho ibhange enye kuphela ingxelo entle emsebenzini wabo, ngenxa yokuba ngaphandle nengeloncedo ayisebenzi omnye. Kunzima ukutsho ukuba oku kwelungileyo nembi zebhanki, njengoko abathengi abaninzi - kanye izimvo efanayo, kodwa ngokubanzi iziko isebenza kakuhle kwaye inkonzo kubo kwinqanaba eliphezulu. Ezinye abathengi ukuba abanelisekanga ukunqongophala ofisi, ngenxa yokuba akukho mntu ukuba angene naye likaxakeka.

Amanye amakhadi iimeko efihliweyo "Tinkoff"

1. Iimpawu ulwamkelo. Yohluka kwezinye isantya banks ingqalelo kwezicelo kunye ipesenti ephezulu imvume. Ukongeza, le ikhadi ithunyelwe ngeposi.

2. imida Small. Njengoko umthetho, lo mda enikwe ekuqaleni, kuxhomekeka data ezichazwe kwifomu yesicelo, kunye ayidluli umvuzo. Kwaye kwezinye iimeko, aluyi kuba ngaphezu kwe amawaka amane. Yandisa kumyinge kubakho ngaphambili ngaphezu kweenyanga ezi-6.

3. Le yipesenti etsalwe. Ukwelixesha loxolelo sisebenza kuphela iintlawulo ikheshi. Ukuba umthengi uthatha notsalo imali iya kuhlawuliswa-3% + 390 engange.

4. Umlinganiselo wenzala wokwenene. Nayiphi na lwamaxabiso Kusenokwenzeka ukuba ukhe waya, umlinganiselo ukuba ikhomishini imicimbi non-mali iza kuba ubuncinane 25%, nangenxa imali - 33%. Ukuba iintlawulo zenziwe emva kwexesha, loo mini iya kuhlawuliswa 0.12% kunye 43.8% ngonyaka.

5. Intlawulo minimum. Njengoko kuchaziwe kwentengo ibhanki yakhe, imali efikelela kwi-6% ye-mali. Le ipesenti encinane kakhulu, yaye akanako ukuhlawula ityala eliyintloko, njengoko umdla enkulu ibhanki yakhe. Ngenxa yoko, xa umxhasi sele ligqibe ekubeni lilivale card, intlawulo yakhe yokugqibela iya kulingana nemali sokuqala, ukuba akunjalo ngaphezulu.

6. Izohlwayo. Kuba kulibaziseka iya kuhlawuliswa 0.2% ngosuku. Ukongeza, kusafuneka ukuba uhlawule isohlwayo sama 600 engange.

7. ATM. Ezinye iintlawulo nge-ATM kanye njengokuba intlawulo yemali, nkqu naloo msebenzi.

8. inshorensi kwetyala. Njengokuba kwenye, ibhanki ibonelela inshorensi, ngoko 0,89% itsaliwe ukusuka isixa-inshorensi yenkampani. Kokusayina isivumelwano, inkonzo ibe ayiyomfuneko.

9. Service. Iindleko zonyaka ikhadi ngu 590 engange, kunye nentlawulo mboleko kwi ukuqola sisasetyenziswayo ityala kunye nenzala intlawulo yasemva kwexesha ibalwa.

isiphelo

Phumeza "Tinkoff" ikhadi lebhanki letyala kunye ibhanki okanye hayi - nto ixhomekeke kuwe. Kuba epheleleyo isicelo sethu intanethi, zabalazela ezivunyiweyo, bonke - ungasebenzisa ngayo. Eyona nto ibalulekileyo, musa ukulibala ukuba uhlawule ityala ngexesha.