Nzira yekuwedzera sei chikwereti chekwereti paKadhi reBhangi rekuchengetedza? Mitemo yekushandisa, kufarira, kuverenga yenguva nguva

Kadhi rechikwereti rePJSC "Sberbank" ndicho chigadzirwa chakakosha chebhangi rine muchero wemari kusvika mabhiriyoni zviuru makumi maviri zveRubles uye nguva isina kufarira kwemazuva makumi mashanu.

Nzira yekushandisa kadhi rechikwereti muSberbank

Kune vatengi kune mutsara wemakadhi epurasitiki matanhatu: kubudiswa kwekwereti kweCredit Momentum, yekare MasterCard Standard / Visa Classic credits, yakanakira Gold, inopa chikamu chezera kubva pamakore makumi maviri nemaviri kusvika makumi maviri nemashanu - Molodezhnaya, neropafadzo Ipai Life and Bonus Aeroflot.

Bhengi inopa vashandi vayo kadhi rine chikwereti chekwereti munzira 3:

• Muhofisi. Vashanyi vanogamuchira mubhadharo paKadhi reBhangi reBabha vanofanirwa kushanda kwepasipoti. Zvaunofanira kuita zvinotarisirwa kubva pamaminitsi mashanu kusvika kumazuva maviri. Vatengi pamushandisirwo wakazara vanofanira kupa uchapupu hwekuwana mari. Chikwereti Chamentum chinobudiswa mukati maminitsi gumi nemashanu - iri kadhi rechikwereti rine muganhu wakatarwa nebhangi uye kusununguka kwebasa.
• Kushandisa kuburikidza ne "Sberbank Online". Mune "My Account" mu "Cards" tab, unofanira kufanidza pa "Kadhi kadi yekumbira". Zadzai deta (iyo yaidiwa chigadzirwa, chigumo, zita, kero, nguva yekufonera), shandisa "Bvimbisa" bhatani, uye basa rinoenda kushanda. Sarudza chigadzirwa mumavhiki maviri pahofisi yakasarudzwa.
• Pazano rekutengesa zvakananga. Kadhi yakagamuchirwa "makadhi" egoridhe ine basa rekusununguka uye muganhu wakagadzirirwa anopiwa nevatungamiriri vanotarisira mabhizinesi mukati mekugadziriswa kwebvumirano.
• Nekubatsira kwemashure neATM. Mushure mokubvisa mari kana kubhadhara mutengi, chipo chinobva kubhangi chinoratidzwa, somuenzaniso, kushandisa kadhi rechikwereti. Uzadza minda yose nekutsanangurira deta, mushumiri anofanira kumirira foni yemutungamiriri.

Nzira yekuwedzera chikwereti chekwereti paKadhi reBhengi rekuchengetedza

Chikwereti chinogamuchirwa chemakadhi echikwereti aSberbank chikamu 600 mabhiriki. Kugamuchirwa nekugadziriswa kwemari yakakweretwa mari yepurasitiki kunobva pane chisarudzo chemunyori wechikoro (nyanzvi pakuverenga solvency, kuvimbika kwevatengi vanoita chisarudzo choramba / kukwereta chikwereti). Uyu muongorori anofanotaura kana zvichibvira kuwedzera muganhu weSberbank kadhi rechikwereti kune mumwe munhu akakwereta.

Munyika yebhangi guru, nyaya yekushandura chikwereti chikwereti inogadziriswa unilaterally - mukwereti. Kuwedzera kwekwereti yechikwereti kunoitwa zvichienderana ne solvency ye cardiner, kusavapo kwekukurumidza uye nguva yakawanda yekushandisa chigadzirwa. Kuwedzera kwekutenga kunoitwa nemushandi wekadhi rechikwereti rePJSC "Sberbank", inowedzera mukana wokuwana mari yakawedzerwa kubva kubhangi.

Vashandi vanoshingaira vechigadzirwa, vasingafariri nzira yekuwedzera chikwereti chekwereti pane kadhi reBhengi rekuchengetedza, SMS nemashoko ekuchinja kwehuwandu hwechikwereti kunokonzera kushushikana.

Zviratidzo zvekushandisa kadhi rechikwereti

Nyasha nguva kubva pamazuva makumi maviri kusvika kumazana makumi mashanu uye basa rinokosha remishonga yemari inofadza kune vashandi vanosarudza PJSC "Sberbank". Kadhi rechikwereti, mazwi ekushandiswa ayo akasiyana zvichienderana nerudzi rwekwereta (mubhadhari mutengi kana kwete), anobvumira kusabhadhara "kukwereta" kubva mubhangi mukati meyasha.

Verengera zviri nyore: mazuva makumi matatu ekubhadhara kushingaira + 20 kubhadhara chikwereti. Kuti usabhadhara chikwereti chekushandisa mari yezvikwereti, mubhadhari anofanira kubhadhara 100% yemari yakashandiswa, kuchengetedza mukati megadziriro iyi. Nguva inotenderera inobva pazuva raakatenga: kuitira kuti nguva yekubhadhara ive yakanyanya (kusvika kune mazuva makumi mashanu), unofanira kutanga kutora musi wehupfumi kana pakarepo mushure mayo. Zuva rimwe nerimwe mushure mezuva rekupa nguva, nguva yenyasha ichaderedzwa nezuva rimwe (asi haringavi pasi pemakumi maviri).

Zuva remharidzo, ukuru hwekupa mimwe mitero, chikwereti chose chinogona kuwanikwa:

• MuUCO ("Sberbank Online", network terminal);
• Kutumira SMS "Chikwereti XXXX" kune nhamba "900" (apo XXXX - 4 nhamba dzakawanda dzekadhi kadhi rekwereti);
• Kushanyira nzvimbo yehofisi yePJSC "Sberbank".

Kadhi rechikwereti (mazwi ekushandiswa ayo anotsanangurwawo musimboti uye anotsanangurwa zvakadzama nemameneja kana akabudiswa kana nevanyanzvi ve "Hot Line") semugove wakasiyana unobatsira zvikuru kupfuura chikwereti chevatengi ne nguva isina hanya, asi mitsara yemari yakakosha yakasimudza kupfuura yevheji yebhadharo yebhangi.

Kufarira paSberbank makadhi emakwereti

Kune chikamu chemazana chisina kubatanidzwa mumushandi wemari, 33.9% inokwidzwa kushandiswa kwemari yezvikwereti gore negore. Vashandi veSaving Bank uye avo vanogamuchira mari pamabhengi ebhangi vanogamuchirwa zvakasarudzwa pamberi peCredit Momentum neGold cards vane 25.9% pamutero.

Chirongwa chekuderedza kuderedzwa, kushanduka kwezuva rebhadharo kana kukanganisa pamusoro pekadhi rekwereti reSberbank hazvipi. Kana zvikweretwa zvakasara zvebhadharo inobvumidzwa kubva kumunhu ane chikwereti, chirango che 36% chichakwaniswa.

Nzira yekuregeresa sei kubhadhara pane kadhi rechikwereti?

Kana zvisingakwanisi kuita mvumo yekubhadhara chikwereti pamusana pokuderera kwe solvency, vatengi vanogona kushanda kune dhipatimendi rekugadzirisa Sberbank kudzorera zuva racho. Kubvira kwekutengeserana uye mamiriro matsva kunobva pane zvakasarudzwa nedhipatimendi rebazi (annuity kubhadhara mari , kufarira, kuwedzera uye / kana kuregererwa kwezvikwereti uye kukanganisa) yakagamuchirwa "kuwedzera" purogiramu uye kubvisa mari (inosarudzawo kana zvichibvira kugadzirisa chikwereti uye kuti chingawedzera sei). Chikwereti chekwereti paKadhi reBhangi rekuchengetedza richaramba rakafanana kana rakagamuchirwa, asi mari yezvipo ichaderera.

Kuderedza kwekwereti chikwereti

Saka, ungawedzera sei chikwereti chekwereti paKadhi reBhengi rekuchengetedza? Ichi chisarudzo chinotorwa unilaterally neanopa. Vashandi vanogona kuderedza mari yezvikwereti kuburikidza nekushandisa kune imwe nzvimbo yebazi nepasipoti.

Shanduko yemari yakakweretwa pamakadhi inogona kuva yemari inopfuura kudarika chikwereti chose chemari chikwereti.