MasterCard Gold plastiki kadhi: basa, zvinobatsira uye zvisingabatsiri

MasterCard Gold - makadhi egoridhe anozivikanwa ekirasi yepamusoro, kuzarura pamberi pevanini mikana yakawanda. Iyi ndiyo basa rakanakisisa uye zviri nyore mukushandiswa, pasinei nokuti uri kupi munyika muridzi wacho aripo. MasterCard Gold inopa vabati vane plethora yemabhonasi anofadza nenzira yezvidzidzo, muganhu unowedzera pakuregererwa uye kushandiswa kwepamusoro muzviresitorendi nemahotera pasi rose. Kubudisa kadhi yegoridhe iri nyore mune rimwe bhengi renyika. Funga nezvemamiriro ezvinhu ekutora iyo uye zvinhu zvekushandisa.

Nezve MasterCard uye makadhi ekutanga

MasterCard isiri yenyika yokubhadhara system iyo inozivikanwa pasi rese. Kune mhando dzakasiyana dzemakadhi ane maitiro avo uye akakodzera kune zvimwe zvinangwa nevashandisi. Dzinopesana mumutengo webasa regore negore, purogiramu yemasevisi uye muganhu wekutora. Pasinei nokuti ndewepi kadhi rakashandiswa nemusarudzo, ne MasterCard, anowana zvakakosha zvakawanda:

• Iwe unogona kubhadhara kutengesa munyika 210;
• Basa rekusigira kwemaawa makumi mana rinogara rakagadzirira kubatsira;
• Unyanzvi hwokushandisa mari isiri mari mune chero mari;
• Nzvimbo yakakwirira yekuchengeteka kwekuchengetedza kwemari pakadhi kadhi;
• Hupenyu hurefu hwehutano hwekadhi - kubva kumakore maviri nehumwezve huchaitazve kana zvichidiwa.

Imwe yenheyo dzekubhadhara ine maketani emakadhi endarama kana kuti platinum. MuEurope uye kuU.SA, varidzi varo vapfumi uye vanhu vanobudirira, sezvo kubhadhara kunoitwa kunze kwekusimbiswa kwemari yehutano hwakakwana. Iko kadhi inoshanda chaizvo inodurura mari yakawanda, asi panguva imwecheteyo, mazano anopiwa zvinogona kubatsira kumunhu wemabhizimisi panguva yakakodzera. MuRussia, chero vagari vanofarira vanogona kukumbira kubhadhara MasterCard Gold. Gamuchira chikwata ichi chebhengi pane dzimwe nguva kwete basa chete kana kufamba, asiwo kusimbisa humiro yako. Chero bhidhidi yemabhonasi ndeyemhando yechikamu chemufananidzo wemunhu anobudirira.

Ndeipi iyo inokwezva "ndarama" makadhi echikwereti? Chigadzirwa chendarama cheimwe mari yekubhadhara chinopa hupamhi hwehutano uye huwandu hweshumiro anobatsira. Mushandisi ari kumirira mabhizimusi anofadza uye zvidzidzo, kubatanidzwa mumapurogiramu ekutsvaga, kuwedzerwa muganhu wekubvisa mari, rusununguko rwehutano rusununguko kune dzimwe nyika. Mune rimwe bhengi rimwe nerimwe, mutambi wekambani yepayimusi ichava mutengi anodiwa.

Mhando dzeplastiki makadhi

Mari yekubhadhara yakawanda, sezvigadzirwa zvavanopa, asi musiyano mukuru pakati pavo ndeye rudzi rwebhangi rebhangi: debit, chikwereti kana kuti overdraft. Ngationgororei mumwe nomumwe wavo zvakasiyana.

Kadhi yemabhadharo inobvumira muridzi kubvisa mari yakachengetwa mubhengi rebhangi rakabatanidzwa naro. Mari inogona kuendeswa kune iyo nevevatatu kana kuti nemubati. Semuenzaniso, masangano mazhinji anotumira misha yavo kubhangi yebhangi. Mushandi wacho anotora kadhi yebhadhadhi, iyo yaanogamuchira kubhadhara. Komisheni yebasa inodzinga kamwe kamwe pagore. Kukura kwaro kunobva kune rudzi rwekadhi uye kubhengi kubhengi. Iko kadhi inogona kubudiswa nemunhu mukuru wekuzvarwa pamushumo wepasipoti. Munyaya iyi, zvinobvira kubatanidza kero yebhangi iripo kana kuti kugadzira imwe itsva. Muridzi wacho anogona kurasa mari panguva yekushandiswa kwekuvhara kambani / kupa kadhi. Uye kutora iyo yekupedzisira inotora kwevhiki kana maviri.

Kadhi rechikwereti rinokubvumira kushandisa mari yebhangi nekukwereta pane mamwe mazwi. Inogona kungobata mari yakakweretwa. Wana kadhi rechikwereti zvimwe zvakanyanya kuoma kupfuura kadi yebhadhiro. Kuti uite izvi, zvinotarisirwa kusimbisa solvency yemunhu anenge achikumbira kuburikidza nekupa ruzivo rwakakosha (pamusoro pemari, kubva kubasa, pamipiro yepensheni). Iyi inzira yakanakisisa yekukweretesa: haufaniri kumhanyira kubhangi nguva dzose uye kumirira kuti chibvumirano chigadziriswe kune imwe kana imwe kutengwa. Zvawakabudisa kamwe chete, iwe unogona kushandisa mari yacho kusvikira muganhu wapera.

Pano panewo mapepa epurasitiki akabatanidzwa ane overdraft, iyo muRussian banking practice inonziwo chikwereti. Zvisinei, iyo ibhadharo, asi nekwanisi yekushandisa mari yakweretwa. Pakutanga, mari yomushandi inochengetwa kadhi. Kana muridzi wacho asina mari yakakwana yokutenga, mari inenge yashayikwa ichabviswa kubva kubhangi yebhangi. Overdraft ine muganhu.

MasterCard Gold kadi inogona kubudiswa mune chero ipi zvayo yakataurwa. Uyezve, muganhu wekutora mari nekushandisa zvikwereti kune iyo yakakwirira kudarika mamwe mabhizimusi (Maestro, Standard).

MasterCard Products

Kuti uone kupiwa kwepa MasterCard yeKadhi kadi, zvakakosha kuzviziva nemimwe michina yemari yekubhadhara. Pakati pavo pane:

• Maestro, Electronic - makadhi ari nyore, asingasviki mubasa (150-300 rubles). Muchiitiko ichi, zita rezita uye zita romuridzi wacho rakanyorwa, asi kwete kutumirwa purasitiki. Kadhi yakadaro inogona kuita chero zvikwereti, kunze kwekutengeserana kweInternet. Kazhinji ivo vanofanirwa kutanga.
• Nhamba - imwe yemakadhi anozivikanwa zvikuru eThe MasterCard system. Iyi ndiyo yakakosha kusanganiswa kwebasa rakapiwa uye mari yebasa. Yakabudiswa sebhadhiro kana chikwereti. Iko kune Indaneti kubhadhara, hurongwa hwemabhonasi uye zvingoropu.
• Nyika - inowanikwa kune vanofambira vanofara. Purogiramu inokosha yebasa inopa inshuwarisi system, mabhonasi uye purogiramu apo uchibhadhara mabasa akasiyana-siyana.
• World Black Edition - inopa huwandu hwekunyaradza. Kutsvaga kunopiwa kune boka rega roga revatambi, iro richabatsira kuronga rwendo kune imwe nyika. Service Concierge iripo.

Nokudaro, MasterCard Gold pane imwe nzvimbo pakati pekadhi uye makadhi ekupedzisira.

MasterCard Gold: zvinobatsira

Na MasterCard Gold, mutengi anowana mikana yakawanda. Somuenzaniso, chikwereti chekwereti chinogona kunge chinopfuura 300 000 r. Nenguva yenyasha nguva (kushandisa mari yacho pasina chido) mazuva makumi mashanu. Iro yegore rekuda kufarira inoderedzwawo. Kune avo vane "khauta" kadhi iri 23%. Kubhadharwa kwemwedzi kwekubhadhara kwechikwereti paGold credit card kuchava 5% yehuwandu hwemari.

Paunenge uchishandisa chikwereti chedhidhi yekutengesa chirikumirira mabhonasi anofadza. Kufarira kuri kukwirwa kuchengetedza kwemari. Zvakakodzera kutaura kuti "goridhe" MasterCard kadi yakachengetedzwa zvikuru. Inotsigira 3D Secure system, iyo inoita kuti kuchengetedzwa kweInternet kubhadhara. Kana kadhi racho rakarasika, rakavharwa, uye mubhengi wekambani ane kodzero yekuwana mari yayo yebasa re "mari yehupfumi".

Mukuwedzera, iyo "goridhe" MasterCard kadi ine zvakakosha zvinotevera:

• Kugona kubhadharwa kwebasa nemari pasi rose;
• Bvisa mari kubva kuATM kune imwe nyika mune mari inoda;
• Inishuwarenzi yekurapa
• Dhauriro uye mabhonasi paunenge uchibhadhara kutenga, mahofisi ehotera;
• Mamiriro ezvinhu akanaka kana uchikwereta motokari.

Iwe unogona kubudisa kadhi mune rimwe remabhandi enyika. Mamiriro ezvinhu ekuwana nekurishandisa angasiyana zvishoma.

"Ndarama" makadhi eWaving Bank

Sberbank weRussia anovimbwa kuti aise mari yavo kune vazhinji vagari. Chikwereti uye sangano rezvemari, zvakare, rinopa vashandi varo kubatanidzwa muzvirongwa zvebhonasi uye zvidzidzo, uye zvinopawo nyore kushanda. Bhenji iri kuita makadhi endarama akadai seVisa Gold, Gold MasterCard. Kubva mumamiriro ezvinhu ekugamuchira - makore kubva pamakore makumi mapfumbamwe nemakumi mana kusvika makumi manomwe, kuvapo kwepasipoti uye propiska. Zvinogoneka kuvhura kadhi rakawedzerwa kune mwana wemakore manomwe.

MasterCard Gold inoita Sberbank pamashoko anotevera:

• Mari yegore negore yekugadzirisa ndeye 3000 rubles;
• Zuva rekuregererwa kwezuva nezuva - 300 000 rubles, € 9000, $ 12000;
• Iyo chikwereti chikwereti ndeyemabhiza makumi mapfumbamwe nemazana matanhatu nemazana matanhatu. Zvine chiyero chegore negore che17,9-23%;
• Nyasha nguva kusvikira mazuva makumi mashanu;
• Kadhi yeAction - 3 years;
• Komisheni yekuregera muATM dzeSberbank - 3%, vamwe - 4%;
• Chirango chekurasikirwa kwekadhi - 3000 r.

Mukuwedzera, mutengi ari kumirira mabhonasi uye zvidzidzo pa MasterCard + zvirongwa uye "Ndinokutendai" kubva kuSberbank. Pakati pezvinhu zvinobatsira mubasa - "Mobile Bank" uye "Savings Bank Online", mukana wekubhadhara zvigadzirwa uye kugadzira motokari yemari, kusunga kumagetsi emagetsi.

"Ndarama" MasterCard kune dzimwe mabhenji

MuRussia, pane nhamba huru yekwereti uye masangano emari anopa kubhadhara kadhi yekubhadhara. "Alfa-Bank", somuenzaniso, inopa mhando dzakasiyana dzeinishuwarenzi uye inofadza chiyero che "gold" makadhi echikwereti - kubva pa17% pagore ine muganhu we 210 000 rubles.

"VTB 24" kune muridzi weGold card inopa rubatsiro rwekusununguka kwehurumende, rubatsiro kuchengetedzwa kwekutenga uye kuwedzera kuchengeteka kwekuchengetedza mari. Pamakadhi emakwereti, bhangi iri rinopa mamiriro ezvinhu akadai: chiyero chepasina 18% pagore rine muganhu we 600,000 rubles.

Makadhi endarama muRussian Standard Bank

Mubhangi "Russian Standard", kuwedzera pamakadhi epurasitiki epakomba ekubhadhara masangano MasterCard kana Visa, unogona kuwana nekuparadzirwa muU.S., Canada uye dzimwe nyika dzeEurope makadhi "American Express" uye "Diners Club." Aya mazano achave anofarira kune vanofambira nevashambadzi vemabhizimisi, kazhinji vanoenda kune dzimwe nyika.

Bhengi inopa chii kune vanoshandisa MasterCard Gold? Kadhi yacho inosunungurwa nekubatana chip uye magnetic strip. Mutengi anongotora chikamu purogiramu ye "Discount Club", iyo iwe unogona kuwana bonus kusvika 30%. Kana Sberbank inopa rubatsiro rwekuchengetedzwa kwevatengesi chete kune vaeni ve "khauta" yeVisa kadi, bhaganisi "Golden Standard" inoipa kune vese vese MasterCard. Nekubatsira kwayo zviri nyore kuronga rwendo kuenda kunyika ipi neipi, uye ruzivo rwekuzivisa ruchataurira zvivako zvekudya zviri pedo.

Iko kadhi rechikwereti MasterCard Gold mu "Russian Standard" ine muganhu wakawedzera - kusvika 750 000 rubles. Asi chiyero chegore negore chinopfuvura zvishoma kupfuura muBanning Savings - kusvika 28%.

AmEx Gold

Imwe nzira ye "golden" MasterCard kadi inogona kuva American Express Gold. Nzira yekubhadhara inozivikanwa kwazvo muUnited States uye nyika dzeEurope. Inowedzera, inotengwa muRussia neCIS nyika. Inogona kubudiswa nevakwegura vane makore makumi maviri nemashanu kusvika kune makumi matanhatu nemakumi mashanu nemapfumbamwe nekupiwa kwepasipoti uye imwe nyanzvi pamusana pebhengi. Kugadzirisa kwegore rimwe nerimwe kwekadhi kuchabhadhara mutengesi 4000 rubles.

Mushandisi anopiwa purogiramu inotevera yebasa:

• Inishuwarenzi pamusoro pezviitiko panguva yekufamba (kusvika ku $ 250,000), zvichiendesa kune kadhi, mudzimai wake (murume) uye vana pasi pemakore makumi maviri nemaviri;
• Zvinogona kuitika mumamiriro ezvinhu ekutambudzika kuti uwane kubvunzurudza kwepachena kwegweta, chiremba nevamwe vadzidzisi;
• Inishuwarenzi yekutsvaga kubva pakuvhara nekukuvadzwa kwemazuva makumi mapfumbamwe (iyo inodzokwana $ 1000 pamhosva imwe neimwe kana $ 50,000 pagore);
• Inishuwarenzi nokurasikirwa kwematokari (kusvika ku $ 1000), kubviswa kana kunonoka kwekutiza, zvimwe zvipingamupinyi zvemugwagwa (kusvika kusvika $ 250);
• Kubatanidzwa muhurongwa hweMupiro Mubairo;
• Kusvikirwa nehurumende yekufambisa iyo inotsigira mubati pasi rose;
• Batsiro paunenge uchitsvaga hotera;
• Anorambidza kusvika kusvika ku30% uye zvipo zvinokosha paunenge uchitenga nekubhadhara mabasa;
• Chirevo chesununguko pamusoro pemashandisi emari egore;
• Maawa makumi maviri nemasere ehurumende (rubatsiro rwekambani, "Mobile Bank", "Internet Bank", SMS-notification.

Muchengeti weKamerican Express kadhi rechikwereti anopiwa nguva yenyasha kwemazuva makumi mashanu, uye chikwereti ichida kubva pa19,9%.

Premium card "Diners Club"

Zvinhu zvekubhadhara iyi zvakagadzirirwa vafambi uye vanofarira vaenzi vezvitoro. Diner Club (DCI) makadhi ndeyezinga rakakwirira rebasa. Nhengo yekambani iyi muenzi anofarirwa mune zvinyorwa zvepamusoro zvenyika. Pakati pezvibatsiro zveDCI kadhi: yepasenti yezana yezvinyengeri, zvisarudzo pane imwe nguva yekutengeserana, maropafadzo kubva kumahotera akakurumbira, mutsika uye yezvivaraidzo zvinokonzerwa uye zvokudya zvekudya, inshuwarisi yehupenyu.

Iwe unogona kubvisa mari pane chero ATM ine logo ye MasterCard Maestro (Cirrus), uchibhadhara 3.9% commission (makumi maviri nemaviri rubles). Zvisinei, hazvisi nyore uye zvinodhura kushandisa Diners Club muRussia: zviri nyore kutenga kadhi yeVisa yakawanda kana MasterCard kubhadhara. Nekubudirira kukuru, vanoenda navo pavanenge vachifamba, sezvo masangano ose akakwirira ari kumirira nemaoko akazaruka.

Uine kadhi rechikwereti reDI, unogona kushandisa chikwereti kusvika 750 000 rubles. Nezinga regore re 29%. Nenguva yenyasha yemazuva 55 inopiwa, zvisinei, iyo inoshanda chete kune kutenga.

Visa, MasterCard, AmEx kana DCI?

Tichifunga nezvesarudzo dzemitemo yakasiyana-siyana yekubhadhara, zviri nyore kuve nechokwadi kuti zvose zvinofadza uye zvinobatsira kumushandi nenzira yavo pachavo. Kuti urege kurasikirwa nesarudzo, zvakakosha kuti uone zvakajeka chinangwa chokunyora. Somuenzaniso, kuti uende makadhi akakurumbira "American Express" kana "Diners Club" inogona kuita. Vakawedzera mapurogiramu einishuwarenzi uye ropafadzo dzekubudiswa kwetikiti, kushanyira kumahotera, maresitorendi uye zvinotaridzika zvinowanikwa. Zvakakosha kufunga kuti zvichange zvakabatsire zvikuru kuvashandisa mune mari yebhadharo yenharaunda.

Kana ikadhi iri kurongwa kushandiswa muRussia neCIS nyika, zvinonyanya kushandisa kushandisa Visa kana MasterCard maitiro, sezvo anenge anenge mabhanga ose achishanda nawo. Tsvaga chirwere chakakosha hachisiwo chakaoma. "Makadhi" anopa hutano kune vanofamba, kusanganisira inshuwarisi yezvehutano, hotele uye air ticket matikiti. MasterCard Dhaurirano yeGold inosvika kusvika ku30%, uye mabhonasi ebhangi rinobhengeza rinovatsigira.

"Makadhi" eDareCard ndiyo nzira yakanakisisa yekuwana zvakanyanya kunyaradzwa nekushandisa mari isiri mari. Muridzi wacho achagutsikana nezvipo zvinobatsira, mabhonasi mapurogiramu uye zvisizvo zvekare. Pamusoro pebhizimisi uye kufamba nemhuri, hupenyu nehutano inshuwalhu inopiwa, iyo inobatsira yekubhuka mahotera uye matikiti, mafungiro akanaka pane dzose masangano ezvepasi rose. Ne MasterCard Gold haugoni kungosimbisa hupenyu hwako, asiwo hunoita kuti hupenyu huve hwakanaka kune vose kumba nekune dzimwe nyika.