Sberbank: Visa Igolide njengendlela inkomba VIP-service

Akamusha silondoloze ingxenye premium emakethe yasekhaya iyona Russian Sberbank. Visa Igolide ajwayelekile ukuphuma layo emazweni amaningi. Abazama VIP-service palpable: ukufuneka amakhadi igolide idlula zinamanzi. Nokho, siyobe ngiwuphatha ngalolu daba. Indlela haya ukuba izinkanyezi eziyisithupha ekilasini yasekhaya isevisi ye-premium? Yini okufanele ukwazi iklayenti phambi esikhwameni sakhe amanga credit card Visa Igolide?

Sberbank, abadlali ngobukhulu futhi enokwethenjelwa kakhulu emakethe yasekhaya zezimali, has eside futhi ehlelekile ukuzixazulula lezi zinkinga practice.

Ngakho, halamuzi futhi wenze iziphetho generalized kwazo zonke umuntu umkhiqizo yasebhange ye palette olungafani izinkampani isimo nezentengiselwano Savings Bank - Visa Gold. Okwamanje, amabhange elikhiphe amakhadi esikweletu: Visa Igolide, Visa Igolide «Nikeza ukuphila», Visa Igolide «Aeroflot» kusukela isikhathi sokusebenza - iminyaka engu-3. Bona "ohlanganiswe" akhawunti ruble. Credit iphesenti - 17,9% - 23%, kulindeleke grace period - kwezinsuku 50. Imali yesevisi Lonyaka - ruble 3500 ngonyaka. Ikhomishini imali - 3%.

Visa Igolide «Aeroflot» kusho accrual bonus amamayela. Ukubala simi ngale ndlela: 1000 amamayela - ibhonasi uma uvula ikhadi, plus 1.5 amamayela ukuze zonke wachitha dollar / euro noma ruble angu-30. Ikhadi ngalinye Visa Igolide «Ukuphila" ayisebenzisa ngayo umsebenzi omuhle - uxhaso eponymous isisekelo yesihle.

Ngeshwa, abezindaba akuzona ubufakazi ehlukile yezindlela zesimanje umsebenzi emabhange ingxenye premium emakethe yasekhaya, "ongahluziwe". inkonzo VIP-, ngeshwa, ngokuvamile oba ohlelweni, futhi entshisekweni abadlali, into esemqoka - icebo. Bankers ukwazi ukuthi ibhizinisi okudayisa ngokuvamile olwenziwa ongaqeqeshiwe "kuhlasela kuhlelwe" phezu ingxenye premium, ephelezelwa ukulethwa obuningi amakhadi ... Kuyini imbangela le ukunakekela okungadingekile nenqwaba wedwa? UbuKhomanisi iminyaka engu-80 ukuba baphule izibopho embili, zibancishe nathi we kuvisisa intengo izingxenye. Futhi lokhu kusebenza, ngokukhethekile, kanye namakhasimende. Ngokwesibonelo, amakhadi zegolide, ezizenzile likhipha Savings Bank - Visa Igolide, - ngokuvamile namanje kubhekwa abantu Umuntu ocebile nge ezifakwa esikhulu, ngokuvumelana nemfuneko 'zakudala'. Nakuba kule mkhiqizo ngesimiso esibaluleke kunazo we okukhethekile sipho umuntu kokuba isimo ezithile emphakathini.

Ngokwezinga elithile mission social imfundo lezi isiko amakhasimende umthengi, enza Sberbank. Visa Gold - owodwa wale mikhiqizo "zemfundo". ERussia, welithi "-premium ikilasi" sihunyushwa hhayi ngokohlu lozalo, njengoba eYurophu, ihlobene okusezingeni eliphezulu inkonzo izinga futhi ndlela ngamunye iklayenti. Ngakho-ke, labo abangase babe abathengi kuyinto esinye isigaba sabantu, okuyinto has a isimo ezincane, kodwa ikhono ukuhlinzekela leli khadi kuzobazuzisa. Abantu abanjalo ayisisekelo, bayakwazi uthole futhi sibale imali yabo babegcina nentshisekelo yonke imininingwane yesevisi yamanani yasebhange Sberbank. Bona ukubala inzuzo yabo, futhi esimweni ngokweqile yaminyaka yonke okulingana $ 6,000, zama ukuthola ikhadi igolide ngesikhathi imali plan encishisiwe, Leveraging izinzuzo tariff Visa Gold.

Sberbank, ukunikeza amakhasimende ne "ikhadi igolide", inikeza izinzuzo ngezobani amanani. Uzenzela isinqumo: e-US zezindiza, amahhotela, lapho ukuqasha imoto, kokunakekela impilo yabo futhi lonke, uzothola izinzuzo zangempela ezengeziwe. Ngaphezu kwalokho, isigaba premium ukunikeza, uma kunesidingo, nganoma isiphi isikhathi sosuku nanikeza "Shayela umngani" kusukela kusevisi concierge, ukulungele ukusiza nge ukubhuka ehhotela kanye amathikithi ukuthenga, kanye ngokusiza "razrulit" izingxabano.

Ngakolunye uhlangothi, Ngithanda ukuphakamisa lolu daba ekuphuculeni izinga nobuchwepheshe bale Sberbank we izisebenzi ukukhonza VIP-amaklayenti. Phela, in the ingxenye premium isimo lapho wonke ezintathu - amaklayenti eziyisikhombisa ukuletha ukuhlukanisa ngobukhulu yasebhange engenayo. Njengoba umkhuba ubonisa, ngesikhathi yesondlo amakhadi Visa Igolide kungenzeka ebalulekile akuyona ukukhangisa umkhankaso nolaka isimiso wedwa.