Makadhi: rwezvemabhengi makadhi, magadzirirwo, basa, zvinhu uye functionality

Plastic makadhi Banks agara chikamu murume wose ano. Uye pane zvikonzero zvakawanda. Mumwe - the muhoro, vamwe - bhezari kana rubatsiro rwemari pamusoro makadhi.

Mhando makadhi bhangi, zvinhu yakawanikwa dzavo, kushandisa, nzira kuvhara, uyewo nhoroondo chigadzirwa zvemari iyi, unogona kudzidza nokuverenga nyaya ino. Zvinonzi zvakare kupfuura mukurumbira dzakawanda gadziriro zvichakurukurwa, kubata epurasitiki kadhi issuance uye rutsigiro.

Mavambo uye Nhau dzairamba okukura

Funga makadhi, kubvira nguva apo vakatanga kuonekwa wokutanga bhengi kadhi iri.

The kutenga tiguu mu America ari mashanu remakore rapfuura, uyewo munyika yose, vakashandisa mari nenzira mbiri: mari uye asiri mari.

Kana chimiro zvose pachena, wechipiri kumisa nekuda yake yokutanga.

mari Cashless ikako macheki uye chequebook. Current vanoshandisa epurasitiki makadhi kunzwisisa zvose zvinhu zvisina kunaka zviri kushandiswa chequebook they:

- zvingangoita chitsotsi;

- refu kunyoresa neimwe oparesheni;

- nguva dzose vanoda kutakura pepa cheki, izvo zvinogona nyore sousingabatsiri.

Panguva iyoyo American wezvokutengeserana tiguu, kana uwandu zvinosanganisira kutengeswa kwema vakawanza kanoverengeka, kudiwa kuva mudziyo ichaita yakavimbika macheki zvikuru kunetse.

Chokutanga, makadhi bhengi Dzakafanana zvisingatomboiti piece makadhibhokisi pairi kupinda ruzivo rwavo.

Zvishoma nezvishoma nani, unowedzera nenhanho kudzivirira.

Muchimiro umo zvose inoshandiswa kuona makadhi nhasi, vakatanga kubudiswa pezana 70 remakore rapfuura, nokukurumidza pashure pacho yagadzirwa rinobva tepi.

Chii mubhengi kadhi?

Pasina vachipinda mashoko zvemari, tinogona kutaura nyore - ndiwo kiyi akaundi, paunogona kuvhiya raanotaura chibvumirano (dzinodzora uye dhipoziti mari, kubhadhara zvikwereti, etc ...).

Zvinokosha kuziva kuti vanhu vakawanda vanofunga kuti chidimbu ichi mapurasitiki ndohwaJehovha vanhu pakuva nhoroondo. Uyu chikanganiso, sezvo muridzi kadhi wechokwadi ndiro achivaratidza kumahombekombe. Munhu ndiye muridzi kadhi nhoroondo - chiri kadhi pedhi.

Sei mubhengi kadhi?

To musi, makadhi ose, pasinei mugadziri, vane mwero chimiro uye kukura. ISO 7810 - mwero kuti kutaura chii chinofanira kuva kadhi rokubhengi. Mhando makadhi bhangi, zviri pasi apa, pane zvakasiyana, asi zvinotevera parameters zvakafanana:

• Kukura - 85,6 kusvika 53,98 mm;

• kuvapo rinobva tepi;

• Zvinogoneka pamberi Chip;

• kurutivi pamberi rine mufananidzo (nechekumashure mufananidzo), uyewo Logo ari muripo ino, kadhi nhamba, zita raro wokuisira uye zita mwedzi uye gore iro pachirehwa;

• ari seri muenzaniso kuri chipo; Uyezve, pane simba rinonzi magnetic tepi, imwe nzvimbo kuti siginicha kadhi anaro uye muchivande bumbiro chairo rine zvitatu kana zvina digits.

Chokwadi, pane dzimwe anosiyiwa, zvichienderana nekuita kumahombekombe. Somuenzaniso, vamwe masangano zvemari arayire Photo rinodhindira pakati anaro pamahombekombe kadhi.

Types makadhi bhangi

Makadhi kupatsanura vanofanira kubereka mapoka akawanda kuti noungwaru parse kwavari mhando. Saka, rudzi muripo ino umo mashandiro makadhi, vari:

• nemakanzuru;

• dzakawanda.

Chokuita kadhi nhoroondo:

• zvinhu;

• okuwedzera.

Maererano venhau mhando:

• Mabhuku eBraille;

• neembossirovannye.

Cards inogona kupatsanurwa pane zvaibvira mashandiro on:

• ari akaverenga kana debit;

• chikwereti;

• prepaid makadhi.

Mhando makadhi bhangi inogona kupatsanurwa uye chinzvimbo uye pamwero mabasa anopiwa zvinotevera nzira:

• pakarepo (kunyoreswa);

• mureza;

• goridhe;

• Platinum;

• shoma.

Musi chokwadi muviri kuvapo:

• chaicho;

• Virtual.

mepu Local muri chiridzwa muripo kuti inoshanda mumwe chete muripo hurongwa, uchishanda munharaunda imwe hurumende.

International, akavapindurawo, kuti zvibvire kuti mari munyika, vachikwanisa kutaura nevamwe mubhadharo enyika.

The kupfuura mukurumbira dzomunyika mubhadharo hurongwa vari Visa (nyika musika mugove - anopfuura 50%) uye Mastercard (anenge 30% yose munyika epurasitiki nemakadhi). Yetatu ndiye American Express, zvinotora inenge 18%. Muenzaniso makadhi wakabudiswa muna Russian Federation, iyo inoshanda munyika, iri debit kadhi "Tinkoff Bank".

Mumwe kadhi nhoroondo anogona wakabudiswa somunhu kadhi chikuru uye yokuwedzera. The wokuisira of kadhi huru inofanira kuva muridzi kadhi nhoroondo.

Yokuisira mimwezve makadhi anogona kuva munhu, asi unofanira kusangana kadhi nhoroondo pedhi.

Mabhuku eBraille makadhi

Makadhi kwakadaro kunogona kwenguva yakareba kupfuura neembosirovannye, nokuti chokuti nhamba uye kadhi ichiri kushanda, uye zita anaro uye zita rayo haina kudhindwa uye Mabhuku eBraille pamusoro mapurasitiki.

On kwakajairika mepu nokukurumidza kudzimwa zvose mashoko nokuda nekukakavadzana ari chikwama, muhomwe, uye ATM. A kadhi, Mabhuku eBraille embosser (mudziyo chaiwo), usaora chimiro chavo kwenguva refu.

Chii chandingaita pamwe kadhi?

Maererano apa ndandanda mhando epurasitiki makadhi, ivo inogona kupatsanurwa pane zvinobvira kwema. Ngatimboongororai izvi zvizere.

Somuenzaniso, vaviri chete mhando iri Visa Classic makadhi kubvumira yokuisira dzavo kuita vakasiyana kushandiswa. Izvi imhaka yokuti kadhi kirasi yapera anosarudza kuti zvinhu zvinowanikwa vatakuri dzavo.

Chinhu chokutanga tichikurukura debit makadhi (Calculated). Vari kushandiswa kuwana nokururama guru kubhangi mutengi, vari akaisa pamusoro kadhi nhoroondo.

The mashandiro basa ravo rakanaka - kutanga unofanira kuisa mari kana kumirira kuchinjirwa kune nhoroondo, ipapo kushandisa mari kadhi inogona kushandiswa chero nguva apo pane runoenzanirana inouraya.

Vamwe vavo kunyange anganzi dhipoziti. Muenzaniso ndiye debit kadhi "Tinkoff Bank", unounza mari kuti anaro nokuda paine mari kufarira rates zvakasiyana-siyana zvirongwa bhonasi.

Uyewo, makadhi debit vari wakabudiswa mabhanga, achitsigirwa wezvokutengeserana network. Somuenzaniso, mepu "Corn" riri kudenga nepanyika muripo mudziyo zvinhu uye mabasa ari mambure "Euroset", uyewo ayo vakaroorana.

makadhi

Kunewo makadhi. Kusiyana zvapfuura marudzi, ivo zvakagadzirirwa kushandiswa vakakwereta mari. Somuenzaniso, une Mastercard kadhi pamwe uwandu 10 zviuru. Rubles.

Kana ukapererwa pachavo mari dzavo, unogona kubvisa kadhi iri mberi, kufungisisa panogumira 10,000 p. Pasi Pakuurayiwa chibvumirano, uchava kudzokera mari kupfungwa zvemari, vachiisa mari iri mubhengi kadhi, uye kubhadhara muripo weUS zvavo kushandisa muchimiro mubereko kana chibvumirano kwakadaro anopa.

Vanogona kuva akasiyana chaizvo, zvichienderana sei kubhengi ucharaira yechimbadzo chikwereti. Somuenzaniso, pane zvaunoda makadhi yawakashandira kubhadhara kufarira chete panyaya kukundikana kudzokera mari, inonzi zvaunoda munguva chaiyo nguva. Kazhinji ndiwo mazuva 30-40.

Prepaid makadhi hapana asi sezvinoita dzose chipo tsamba, asi zvikuru zvakasikwa mhando. With kadhi iri unogona vatenge chero mamwe amatura inotsigira basa iri.

Kureva, unogona kutenga kadhi prepaid panguva 5 fung. Rubles, mupe kune munhu achakwanisa kuiripa kuti chaizvoizvo zvakaenzana kana kutenga zvinhu iyi muchitoro. Nheyo oparesheni kwakafanana kuti chipo certificate.

Makadhi Different chechetere

Makadhi debit avo vanongogona rakakamurwa marudzi akawanda, zvichienderana sandara dzavo uye Kuwanikwa dzokuwedzera kusarudza uye padanho kudzivirira zvemari kubiridzira kwavari.

Izvi siyana kakawanda anongoti kusimbisa mamiriro anaro kupfuura yakasiyana mumwe. Kunyange varipo kunze.

Yakadereresa sandara iri nguva imwe (kunyoreswa) makadhi. Kushaya hazvisi nekuti hapana muridzi. Izvi imhaka yokuti, nokurayira pachako mubhengi kadhi, muchagamuchira nayo pakarepo. Bank zvirevo navo pachine, asi havana mazita, uye zita kadhi anaro. Makadhi izvi kakawanda vakaita kuti vatenge panguva paIndaneti zvitoro.

Baseline (mureza) nhanho

Zvadaro mureza chechetere. Rinoreva kuvapo makadhi Visa Classic kana Mastercard Standart. Kubva Instant makadhi vari kusiyaniswa ane rakawedzera pamwero wakachengeteka nokuda Mabhuku eBraille kana neembossirovannoy anodhinda zita uye anonziwo ari kadhi anaro. Makadhi vakadaro ainyanya kushandiswa kuvabhadhara kuti vashandi, stipends, pensions nezvimwe rubatsiro rwemari.

Kakawanda kupfuura makadhi goridhe inowanikwa muchimiro Visa Gold kana Mastercard Gold. Zviri mapurasitiki kadhi pamwero haasi munhu wose anogona kuwana, saka zviri vaitirei chinzvimbo, kusiyana yapfuura vaya. Izvi Hazvizivikanwi kadhi anogona nechekare zvinosanganisira kuvapo mapurasitiki machipisi, izvo yekudyidzana anowedzera kudzivirira kubiridzirwa. Uyezve, pane mabhanga kuti kupa yokuisira pamusoro Visa Gold vakasununguka kuwana pfuma uye utano inishuwarenzi.

Platinum Visa kana Mastercard vane chinzvimbo-kupfuura goridhe. ukoshi hwavo dzimwe nguva anouya mari yakaenzana kakawanda kuti subsistence pamwero, zvichienderana dziine mabhanga. Strong kusiyana kubva rapfuura chechetere haasi. Kakawanda musiyano uyu kunoratidzwa muna kwakawedzerwa muganhu yokuita pakuvhiya kwakawanda pamwe kadhi.

Uye inonyanya kadhi iri shoma. Mari makadhi aya zvakakwirira chaizvo uye basa iri kudhura nokuda avhareji munhu. Izvi zvakonzera sarudzo (mamwe mabasa), iro pamahombekombe ane vakasununguka yokuisira makadhi dzakadaro. Somuenzaniso, ndiko chipangamazano zvemari uye pachake helpline, izvo zvinogona kudaidza chero nguva.

The kadhi inogona rakapotsa uye

Sezvakataurwa kare, kadhi anogona kuva asina mapurasitiki chete, asiwo chose rakapotsa, kureva, rinongowanika riri kombiyuta.

Ava anokosha makadhi dzinowanikwa zvemagetsi chimiro ne nemabhangi chete vachibhadhara paIndaneti. Pashure pezvose, ivo vanoda zvishoma mashoko - kadhi code, expiry zuva uye chinokosha CVV2 romutemo.

Kusarudza anofanira kuvimba nezvinodiwa

Kuziva zvose zviri makadhi, unogona kusarudza munhu akakodzera chete nyore. Chinonyanya kukosha - zvakanaka kuziva zvavanoda. Somuenzaniso, nei munoda "kadhi", kana iwe uri mupfumi, uyewo kadhi "Corn", kana asiri kushandisa kuminamato "Euroset" kana ayo vamwe?

Onawo: dzakanga neboka kadhi, zvakawanda dzinodhura zvichatora mari iwe basa. Kana uri mudzidzi, ndarama kadhi panguva hakuna kunaka. Uye kakawanda nzendo kunze uye zvakakwana guru makopi mari pachake pasina Platinum kadhi haugoni kuita, tichifunga mabasa ose kuti achava yauinayo.