Credit card "izinsuku 100 ngaphandle kwenzalo", "Alfa-Bank": izimo, isithakazelo

A credit card kanye isikhathi somusa namuhla inikeza wonke ebhange. Kodwa iningi labo ukunikela ezingu-60 ngaphandle kwenzalo ukusetshenziswa loan. Nokho, zikhona imikhiqizo emakethe ngemigomo mnandi yesevisi. Omunye wabo - credit card "izinsuku 100 ngaphandle kwenzalo." "Alfa-Bank" linikeza izimo ezikhangayo amaklayenti.

grace period

Credit card enikeziwe inkathi yokuvumela ikhasimende ungasebenzisa izimali ezibolekwe ngaphandle ukukhokha inzalo ngaphansi kwezimo ezithile. Into ebaluleke kakhulu kubo - ukuvala izikweletu kuze kube sekupheleni kwesikhathi esihle. Kungenjalo, ibhange intalo.

Kubalulekile futhi ukuba banake onjani operation yelula isikhathi somusa. Ngokuvamile kuba kuphela inkokhelo non-cash yezimpahla. Endabeni cash Ukuzihoxisa kusukela enkathini ikhadi umusa reset.

Imigomo yokusetshenziswa

Kubalulekile futhi ukubala algorithm. A isikhathi somusa ka izinsuku 120 akusho ukuthi ikhasimende ungasebenzisa lonke inani manje, futhi ubuyisele kwezikweleti izinyanga ezintathu. Isikhathi ngqo kuncike ngosuku lapho isithakazelo ukubala iqala. Isikhathi somusa akusho negate isibopho umboleki ukwenza inkokhelo yanyanga zonke.

Izici

Sibheka ngokuningiliziwe ibalazwe umehluko "Alfa-Bank", "izinsuku 100 ngaphandle kwenzalo" kusukela kweminye imikhiqizo efanayo emakethe.

Isikhathi Yokuphepha isebenza kuzo zonke izinhlobo ukuthengiselana, kuhlanganise imali ukuhoxa ATM. Ukubambezeleka izinyanga ezintathu e ukukhokha inzalo unikezwa kuphela bendabuko ikhadi abolekise isikhungo. Lesi simo asisebenzi co-brand ikhadi futhi ezisekela ubuchwepheshe izinkokhelo Noncontact. On enjalo amathuluzi wokukhokha kuyoba isikhathi somusa ezingu-60.

Ibalazwe ihlinzeka inkokhelo saziso in inani 5% of the debt, kodwa hhayi ama-ruble angu esingaphansi 320. Dlulisela imali ku-akhawunti udinga njalo ngenyanga ngesikhathi pay. Luqala ngokunikela inombolo yesivumelwano futhi luthatha izinsuku ezingu-20.

isikhathi Countdown-free iqala ngosuku emva kokuthenga kuqala. Ngezinye kokuphela kwezinsuku 100 adingekayo ukuze asule wonke izikweletu kuya upeni. Uma lokhu mfuneko esiphulwayo, ke isithakazelo bazothola kanye grace period elilandelayo ngeke ukuqala.

"Alfa-Bank": credit card "izinsuku 100"

Izimo, isithakazelo credit card "izinsuku 100" ake sihlolisise:

1. Thayipha: Visa Classic.
2. Ukukhishwa: esheshayo.
3. izici kwezobuchwepheshe: 3D Vikela.
4. Isithakazelo esele amafa siqu: Lutho.
5. Imali Inkinga: noyedwa.
6. Ukukala: 19% -32%.
7. Charge: ruble 1290.
8. Imali imali zokuqaleka: iyiphi ATM: 6.9%, imiz. ruble 500.
9. Beka umkhawulo ku cashing ruble ayizigidi 60 .. ngenyanga.
10. Endabeni ka kwemigomo yokukhokha we inkokhelo encane phezu izikweletu isigwebo enqwabelene 1% nsuku zonke.

Lapho ikhadi ikhishwa "izinsuku 100 ngaphandle kwenzalo '? "Alfa-Bank" linikeza amakhasimende ayo ukukhipha ikhadi abavamile noma ngaluphi amagatsha sesikweletu. Indlela yokukwenza:

• Gcwalisa ifomu, ukunikeza ulwazi nemininingwane yokuxhumana efanele.
• Thola i-Credit Manager ezinsukwini 5.
• Uma isicelo sivunyiwe, zisebenza ehhovisi ukuthola ibalazwe.

Ngaphezu kwalokho, la masevisi kungenziwa exhunywe:

• ukuphila inkampani yomshuwalense "Alpha Insurance" - 0.8% njalo ngenyanga;
• "Alfa-Hlola" - SMS-isaziso zonke ukunyakaza ku-akhawunti - ruble 59.

Izimfuneko ababoleka

Imephu "Alfa-Bank" nge isikhathi somusa izinsuku 100 ikhishwa kumakhasimende engaphezu kwengu-21. A ezingaba umboleki kumele abe imali yenyanga ayizinkulungwane 9. Hlikihla. futhi usebenze endaweni efanayo izinyanga okungenani 3. Futhi, kufanele abe endawo okubhaliswa kuwo abantu.

Izinga lenzalo yemali mboleko ibalwa ngokuhlukile amaklayenti ngamunye, kuye ngokuthi umlando credit umboleki futhi imibhalo. Ukutholakala izitifiketi zokuqashwa, idatha amashidi ezimotweni, iphasipoti benezinto inothi ohambeni lakamuva phesheya, LCA Inqubomgomo kakhulu ukwehlisa amaphesenti. Isicelo lesikweletu ekhishwe khona kwemibhalo okungenani ezimbili, omunye okufanele kube ipasipoti Russian.

Isikimu umsebenzi

Ukuze siyiqonde kangcono indlela le-credit card "Alfa-Bank", "izinsuku 100 ngaphandle kwenzalo", sicabanga kabanzi isikimu elandelayo.

Ake sithi inkontileka nekhasimende isiqediwe ku 22 Novemba. inombolo Inyanga 22 kuyoba usuku we-balance sheet. Ngemuva kwezinsuku 6, t. E. Ngo-November 28, iklayenti kukhokhelwe ukuthengwa esitolo leli khadi. Isikhathi somusa iqala 29 futhi izothatha izinsuku 100, okusho ukuthi kuze 9 Mashi.

Ngemuva kwenyanga - ngo-December 22 - ikhasimende Uyothola i-SMS, okuzokwenza abonisa ukuthi bachitha imali engakanani. Nezinsuku ezingu-20 abelwe ukuze ukwenza inkokhelo edingekayo (kuze kube uJanuwari 11). Ake sithi izimali abangu zafundiswa akhawunti ngo-December 28, kodwa babemboza kuphela ingxenye yesikweletu esikhulu ukuze CJSC "Alfa-Bank". Visa ikhadi isikhathi somusa izinsuku 100 aqhubeka ukusebenza emazingeni izimo oyithandayo. , Omunye Isikhathi uphela nomunye iqala uma isikhathi iklayenti ukuze asule wonke izikweletu kuze 9 Mashi. Uma yonke imali izikweletu ingakhokhwa ngendlela esifike ngesikhathi, sizoqala ukuba ezicela.

Kuphi futhi kanjani ukuthola lemali, ngosuku lokukhokha? Thola inani izikweletu noma nini le khulula, okuholela ebhange Inthanethi, ngokusebenzisa uhlelo lokusebenza lweselula, isikhungo ukutusa umnyango, isikhungo umsebenzi ucingo.

Izinzuzo Ububi

Ngimhlolile ngokuningiliziwe yonke ezicashile usebenzisa plastic ukuba afingqe, kungakhathaliseki ngempela kudingeka lesikweletu, "izinsuku 100 ngaphandle kwenzalo '? "Alfa-Bank" unikeza inkokhelo ezithakazelisayo. Ezinyangeni ezintathu ukusetshenziswa okukhethekile zisebenze zonke izinhlobo imisebenzi. abasebenzisi Advanced ungaphatha akhawunti ngqo ngokusebenzisa ebhange inthanethi: hlola okusele, bheka akhiphe udlulisele imali, ucime loan. Labo abakanye-Inthanethi 'Kwakho ", Ungaxhuma Insizakalo ye-SMS isaziso futhi wamukele izitatimende ze-akhawunti efanayo ngqo efonini yakho.

Kunenye inzuzo enkulu possessed ikhadi "izinsuku 100 ngaphandle kwenzalo." "Alfa-Bank" linikeza amakhasimende ayo izindlela eziningana ukukhokha izikweletu: EFT kusuka kunoma iyiphi i-akhawunti, imali ezifakwa ngokusebenzisa cashier ebhange, ATM, "Jcb" ezikhumulweni, wesistimu CONTACT, "ezinyakazayo Slow", "City". Ukuze lokudluliselwa kokubhaliswa kuphela Udinga ukucacisa inombolo ikhadi bese igama umamukeli.

Kukhona ethile eyodwa kuphela, okuyinto has a ibalazwe "izinsuku 100 ngaphandle kwenzalo." "Alfa-Bank" khona imali nyangazonke kwe-SMS kanye yasebhange ku-intanethi. izikhungo Iningi abolekise ukunikela la masevisi mahhala noma ngenkokhelo bokuzisholo.

Okunye izipesheli emakethe

Ukubambezeleka esiphezulu e ukukhokha inzalo (kufikela kuzinsuku ezingu-200) inikeza "Vanguard" ku amakhadi esikweletu Visa kanye MasterCard. Thola tingahle ikwente loku njenganoma yikuphi uyikhasimende elitsha futhi omunye abangakaze esetshenziswa overdraft. ukudluliswa ngenyanga 10%. Uma, ngaphambi 19 lwenyanga yesikhombisa emva ukuhoxiswa kwezimali ku-akhawunti esalele emuva ngenkokhelo, inzalo bazobekwa icala zonke izinsuku wesikweletu ukusetshenziswa kuyanda e ngesilinganiso 24%. Umkhawulo obuyisilinganiselo ayizinkulungwane 150. Hlikihla.

"Promsvyazbank" ukuze "SUPERMAP" linikeza izinsuku 145 somusa ukusebenzisa plastic. Le sipho kuyinto efanele kuphela kumakhasimende amasha, futhi kuphela okwenzayo kuqala. Konke lokhu okulandelayo kufanele ibalwe ngesisekelo izinsuku 55. Isikhathi somusa iqala kusukela osukwini lokukhishwa ekhadini. Lapho beqeda yayo ingamaphesenti ukukhuphuka 34,9%. Umkhawulo wesikweletu umkhawulo ayizinkulungwane 600. Hlikihla.

izinsuku Kufika 65

Zonke amabalazwe okwengeziwe wahlola ebekelwa isikhathi somusa sezinsuku ezingu-100. Kodwa ngamunye wabo ezithakazelisayo ngendlela yalo ukuze iklayenti.

"Rosbank" ukhiqiza iGlobe khadi ehlinzekela izinsuku 62 oyithandayo-DRM. Nale Into yokukhokha ongawabhuka travel amasevisi ngokusebenzisa iGlobe isevisi ngaphandle ebhekisela izindiza. Umkhawulo wesikweletu zokhahlamba kusuka izinkulungwane 300. Kufika 1000 ayizinkulungwane. Deda.

Ibalazwe "Lukoil-Uralsib" kwakungaphephile nje kuphela umusa-esiyizinsuku ezingu-60, kodwa ngonyaka wokuqala wenkonzo inikezwa mahhala. Lapho refueling esiteshini gas "Lukoil" usebenza izaphulelo abaqotho. Izinga Standard - 24%.

Ukubambezeleka ezingu-55 ngoba ukukhokha inzalo ka neze ubani wamangala. Kodwa ngamunye iziphakamiso ezilandelayo uhlukile ngendlela yalo.

Credit Card "Yar-Bank" izenzo mahhala onyakeni wokuqala. Ngezinye kokuphela kwezinsuku ezingu-55 ka-nazo zonke ezinye 17.5% ikhokhiswe. Umkhawulo umkhawulo wesikweletu kuyinto ruble esigidini.

abadlala Avid bangaqaphela ikhadi "Tinkoff Bank» Kanobu. Ngaphezu umkhawulo yelangabi ephenduphendukayo ayizinkulungwane 700. Hlikihla. abanikazi plastic ukuthola 10% isaphulelo on Kanobu indawo. Ukuze cashing iklayenti kuyodingeka bakhokhe 5%. Ekupheleni kwe-grace period Izinga ukusetshenziswa imali kwaba 23,9%.

"BIN" asungula sipho esikhethekile izivakashi. Ibalazwe "lonke izwe" unika ithuba uthole futhi usebenzise amamayela kumanethiwekhi umlingani. umkhawulo Wemvelo siyahlukahluka inani ayizinkulungwane 50-100. Hlikihla. Ukuze ukusetshenziswa imali inqobo ngesilinganiso 22%, kanye ngokukhipha imali - 2.5% (ubuncane 250 ruble). Ngaphezu kwalokho, amakhasimende Ungaxhuma khulula SMS imininingwane service.