Yuav ua li cas yog qhov tsawg kawg nkaus them nqi rau ib daim credit card thiab yuav ua li cas yog nws xam?

Ib tug ntawm cov yooj yim tshaj plaws ntawm txoj kev them nyiaj rau cov hnub no yog yas phaib. Cov feem nrov ntawm cov tag nrho cov khoom uas muab los ntawm lub tsev txhab nyiaj, credit cards yog. Nws yeej yog incredibly yooj yim - tag nrho cov kev yuav khoom yuav ua tsis tau xav tias yuav muaj cov nyiaj nyob rau hauv koj lub hnab nyiaj. Cov txhab nyiaj muab tuaj rau ob peb lub kaum os hnub. Qhov no tso cai rau lub feem ntau siv npaum ntawm tag nrho cov muaj nyob rau cov nyiaj tau los.

Yog hais tias koj xav mus ua cov nyiaj them "yas" yog tsis tau tsuas yog yooj yim, tab sis kuj muaj txiaj ntsim, koj yuav tsum to taub meej nws mechanism ntawm qhov kev txiav txim. Ua ntej ntawm tag nrho cov, nws yog tsim nyog los nkag siab txog cov txheej txheem ntawm kev tsim kom muaj qhov tsawg kawg nkaus them nqi nyob rau hauv koj daim credit card.

Yuav ua li cas yog qhov tsawg kawg nkaus tshab

Tus tswv ntawm tej credit "yas" ua ntej lub nyiaj txiag lub tsev kawm ntawv muaj tej yam luag num. Txhua lub hlis nyob rau lub "nyiaj txais" tus account koj yuav tsum ua ib co nyiaj mus rau yam tsawg kawg ib nrab them rov qab cov uas ua cov nuj nqis. Nyiaj yuav tsum tau ua lub sijhawm. Qhov no saib kuas lub solvency ntawm lub cardholder thiab muab nws nrog ib lub sij hawm rau siv xws li cov cuab yeej nyob rau hauv lub neej yav tom ntej.

Xws li ib tug ib nrab them rov qab ntawm tus thawj xib fwb thiab hu ua qhov tsawg kawg nkaus them nqi nyob rau hauv koj daim credit card. Txhua nyiaj txiag lub tsev teev nws tus kheej txaus siab thiab txiav txim rau ib tug neeg maturities. Saib lawv tsis tshua muaj neeg ntshaw, vim hais tias yog koj nco lub sijhawm uas nws ua tau nyiaj, cov txhab nyiaj muaj txoj cai mus thov ib tug yuav raug nplua nqi los yog them lub txim.

Uas los ntawm tus nqi ntawm cov kev them nyiaj nyob

Qhov no txoj hauj lwm yog ib tug credit tsev kawm ntawv qhia cov borrower rau lub heev thawj theem ntawm kev sib raug - nws yog yeej muab nyob rau hauv daim ntawv cog lus. Feem ntau cov feem ntau, qhov tsawg kawg nkaus them nqi nyob rau hauv koj daim credit card zoo zoo li ib tug ob peb feem pua ntawm tus nqi ntawm cov nyiaj siv los ntawm tus neeg nyob rau hauv lub yav dhau los lub sij hawm. Feem ntau nws yog 5-10%, tab sis yuav ua tau txawv heev. Cov txhab nyiaj yuav teem ib taag nqi. Nws koj yuav tsum ua txhua txhua lub hli tsis muaj teeb meem ntau npaum li cas twb siv. Nws yog tsis yooj yim heev, li ntawd, nyiaj txiag hauv tsev xws tswvyim yog siv ncaw.

Qhov tsawg kawg nkaus them nqi rau cov credit card nws tus kheej yog tsis homogeneous thiab yog muaj li ntawm ob peb nqi:

• txaus siab, suav rau lub sij nqi ntawm cov nuj nqis rau lub sij hawm ntawv;
• ib feem ntawm cov nyiaj txais, lub borrower yog twb siv nyob rau hauv lub hauv paus ntawm lub tariff;
• nyiaj thiab cov nqi teev nyob rau hauv daim ntawv cog lus;
• zoo, txim los yog cov kev nplua accrued los ntawm lub tsev txhab nyiaj raws li qhov neej ntawd hais ntawm ib tug borrower daim ntawv cog lus.

"VTB 24"

Txhua nyiaj txiag lub tsev kawm ntawv muaj nws cov tej yam kev mob ntawm them qhov tsawg kawg nkaus them nqi nyob rau hauv koj daim credit card. "VTB", piv txwv li, xws li tej nqi nyob ntawm no:

• 3% ntawm cov nuj nqis nyob rau ntawm qhov kawg hnub ua hauj lwm ntawm lub hlis;
• lub cumulative feem pua ntawm yav tas los accounting lub sij hawm nyob rau hauv raws li cov nqi card.

Cov tsim nyog tus nqi yuav tsum tau ua kom txog rau thaum 18:00 ntawm lub 20th hnub ntawm lub hlis tom qab lub qhia ib. Yog hais tias tus neeg muas zaub xav kom txuag tau nyiaj on txaus siab, nws yog tsim nyog los siv lub sij hawm, uas yog 50 hnub. Yog hais tias koj rov qab cov nyiaj mus rau lub card thaum lub sij hawm lub sij hawm no, cov kev txaus siab them yuav tsis tau.

Yog hais tias koj tsis nco qab them cov nuj nqis tsis pub dhau lub teev sij hawm, tiam sis yuav tau muaj ib daim debit card hauv lub bank, cov nyiaj txiag lub tsev kawm ntawv yuav sim thim nyiaj los yeej muaj. Nyob rau hauv rooj plaub no qhov twg tsis muaj kev vam meej, lub sij hawm thaum yuav raug yuam kom them ib tug raug nplua.

3-5 hnub ua ntej qhov pib ntawm "X teev" bank xa nws cov neeg muas zaub nrog ib tug qhia tseg ntawm qhov nuj nqis npaum li cas, qhov tsawg kawg nkaus tus nqi ntawm cov nyiaj thiab xav tau rau lawv raws sij hawm them nqi.

"Tinkoff"

Yog hais tias koj xav kom muaj xws cov nyiaj them "yas", yuav tau npaj mus them ib tug me ntsis ntau. Qhov tsawg kawg nkaus them nqi nyob rau hauv koj daim credit card "Tinkoff" yog xam ib lub zuj zus thiab yuav ncav cuag 8%. Nyob rau hauv cov ntaub ntawv no, cov nyiaj them nqi tej zaum yuav tsis tsawg tshaj li rau puas rubles. Qhov no txhais tau tias txawm hais tias koj siv tsawg, them tseem muaj.

Yuav kom ua raws sij hawm cov nyiaj them rau qhov no daim ntawv qhia yog heev txaus. Txwv tsis pub, cov kev nplua yuav tau mus thov kom tus neeg ua txhaum.

• rau thawj lub sij hawm ib tug nyiaj txiag lub tsev kawm ntawv yuav rau txim rau koj rau 590 rubles;
• theem nrab ua txhaum yuav raug nyob rau hauv ib tug nplua 590 rubles. + 1% ntawm lub sij nqi ntawm cov nuj nqis;
• cov neeg uas ntes tau ua txhaum cov nyiaj them cov nqe lus rau peb lub sij hawm, kom nrog 590 rubles. + 2% ntawm cov nuj nqis.

Subtleties ntawm lub Savings Bank

Qhov tsawg kawg nkaus them nqi nyob rau hauv koj daim credit card Savings Bank yog muab xam rau ntawm qhov kawg nyiaj ntawm cov nuj nqis. Feem ntau cov feem ntau, tag nrho cov nuj nqis yog kwv yees li 5%. Qhov no xam yog qhov luaj li cas ntawm qhov tsawg tshaj plaws kev them nyiaj yuav tsum tau ua mus rau lub card los ntawm ib tug tej yam hnub. Tej zaum, li cas los xij, lub sij hawm thaum siv rau ib tug neeg Circuit Court thiab teev ib tug tus kheej txaus siab rau ib tug neeg.

Yog hais tias qhov kawg ntawm lub sij hawm teev nyob rau hauv daim ntawv cog lus, cov nyiaj rau ib tug credit card thiab tsis tau txais, lub bank considers unfulfilled luag num thiab raug nplua nqi mus txog 37%.

Yuav ua li cas thiab qhov twg yuav nrhiav tawm lub caij nyoog npaum li cas

Thiab yuav ua li cas koj puas paub qhov tsawg kawg nkaus them nqi nyob rau hauv koj daim credit card? Ntawm no muaj ob peb qho kev xaiv:

• Ua ntej ntawm tag nrho cov, koj muaj peev xwm thov tau mus rau tej ceg ntawm koj lub txhab nyiaj. Tsis txhob hnov qab koj phau ntawv hla tebchaws, txwv tsis pub tsis muaj dab tsi tshwm sim.
• Yog hais tias koj cov credit tsev kawm ntawv muab cov kev muaj peev xwm siv online banking los yog tshwj xeeb mobile muaj tag nrho cov lus qhia uas koj yuav tau txais tsis tau tawm hauv lub tsev. Cia li tig rau koj lub computer, mus rau ntawm nplooj ntawv koj tus kheej tus account nyob rau lub sij hawm thaum lub website thiab tau tag nrho cov ntaub ntawv tsim nyog.
• Txuas sms-qhia. Niaj hnub no, muaj ntau yam lub tsev txhab nyiaj muaj xws li ib tug tau. Yog li ntawd koj yuav yeej ib txwm paub tias xyov thaum twg thiab ntau npaum li cas cov nyiaj uas koj yuav tau ua.
• Yuav kom nrhiav tau tawm yog dab tsi yam tsawg kawg nkaus them nqi rau ib daim credit card koj yuav tsum ua nyob rau hauv lub tam sim no lub hli, koj hu tau rau lub kub kab ntawm lub tsev txhab nyiaj. Tom qab sib tham nrog tus neeg teb xov tooj thiab qhia koj tus kheej raws li ib tug cardholder, koj yuav tau nug nws tag nrho koj cov lus nug. Tej zaum cov system muab lub peev xwm los tsav qhov kev sib tham nyob rau hauv ib tug laus hom thiab siab rau cov lus qhia ntawm lub system.
• Muaj ntau nyiaj txiag hauv tsev muaj ib lub sij hawm mus cuag ib tug txhua hli email cov ntawv xov xwm. Nyob rau hauv koj e-mail yuav tuaj mus rau ib tug sau ceeb toom txog cov nqi ntawm cov daim ntawv qhia thiab tus nqi ntawm qhov tsawg kawg nkaus them nqi.

Yog hais tias tsis muaj leej twg ntawm txoj kev tsis haum koj los yog koj tsis ntseeg cov neeg thiab correctness ntawm cov kev cai tswjhwm tus nqi, koj yuav tau txiav txim rau lawv tus kheej.

Muab xam los ntawm feem pua ntawm cov nuj nqis

Yog hais tias koj muaj ib tug xam zauv thiab ib tug cov nyiaj txais daim ntawv cog lus, koj yuav tau manually xam tus nqi ntawm cov yam tsawg kawg nkaus them nqi. Ua ntej koj yuav tsum tau paub dab tsi nws yog tsim los:

• tus nqi ntawm cov thawj tswj tsev kawm nuj nqis;
• lub paj them rau cov kev siv ntawm cov nyiaj;
• nplua los yog raug nplua, yog tias muaj.

Muaj 2 lub ntsiab xaiv rau yuav ua li cas xam qhov tsawg kawg nkaus them nqi nyob rau hauv koj daim credit card:

• rau qhov feem pua ntawm cov uas twb muaj lawm nuj nqis;
• ntawm tus nqi tau npaum los ntawm tus neeg.

Yuav pib, xav txog lub thawj kev xaiv. Xws li ib tug txoj kev siv los ntawm ntau cov tsev txhab nyiaj, nws yog heev nrov.

Piv txwv li:

• daim ntawv qhia txheej kev siv nyiaj tsis pub tshaj ntawm 100 txhiab rubles, thiab tus nqi ntawm 15% ib annum .;
• tshaj yav dhau los lub hli (30 hnub) tus neeg muas zaub tau siv 23 txhiab rubles .;
• daim ntawv cog lus muab rau ib tug tsawg kawg nkaus tus nqi ntawm 6% ntawm cov koj npaum li cas.

Noj rau hauv tus account tag nrho cov tsis, xam tus nqi yog heev yooj yim:

• 23,000 x 6% = 1380 - tus nqi ntawm cov tus thawj xib fwb nqi;
• 23000 x (20%: 365 × 30) = 378 - accrued paj;
• 1380 + 378 = 1758 rubles. - yam tsawg kawg nkaus them nqi.

Yuav ua li cas muaj ntau yam coj raws li zoo

Qhov no txoj kev ntawm them rov qab ntawm credit cards lub feem ntau txheej thaum ub thiab meej meej rau tus tswv. Nws yog tag nrho cov heev yooj yim: ua ntej thaum xaus ntawm lub hlis koj yuav tau rov qab mus rau hauv daim ntawv nyiaj rau tag nrho cov nqi siv nyob rau hauv lub yav dhau los lub sij hawm, raws li tau zoo raws li kev them nyiaj ntawm kev txaus siab nyob rau hauv borrowings.

Yog hais tias koj siv ib tug ntau dua cov qauv ntaub ntawv, nws zoo li no:

• 23 000 - nqi siv nyob rau hauv lub yav dhau los lub sij hawm;
• 23000 x (20%: 365 × 30) = 378 - accrued paj;
• 23 000 + 378 = 23 378 rubles. - tag nrho cov nyiaj hauv lub tom ntej no phuv.

Tom qab ua cov nyiaj them mus rau tus neeg reopens tsis pub tshaj rau tus nqi ntawm cov 100 txhiab rubles, thiab nws muaj peev xwm dua siv lub credit "yas".

Feem ntau cov tsis suav

Txawm hais tias nws mas tsis muaj dab tsi nyuab suav muaj yog, nws puv tawm nyob rau hauv kev xyaum uas yuav xam tus nqi ntawm cov qhov tsawg kawg nkaus them nqi rau lawv tus kheej yog tsis tau. Muaj ntau lub tsev txhab nyiaj teem ib lub sij hawm, rau Piv txwv li 55 hnub, thaum lub sij hawm uas tsis muaj kev txaus siab accrued. Nyob rau hauv cov ntaub ntawv no, xam txhua yam koj tus kheej yuav ua tau nyuaj heev. Tom qab tag nrho, koj yuav tau ib txoj lw txhua lw kom laij rau nws ib tug lub sij hawm thiab los mus txiav txim rau tej yam muaj pes tsawg tus nws yog tsim nyog los them paj.

Yog hais tias koj raug muab tshem tawm los ntawm cov nyiaj ntsuab card, qhov feem pua yuav hloov ib yam nkaus thiab, feem ntau yuav ntau dua. Yog hais tias koj them rau daim card nyob rau hauv lub ATM lub tsev kawm ntawv uas tsis yog ib tug khub ntawm koj lub txhab nyiaj nrog koj, feem ntau yuav, ntxiv nqi yuav tau them. Tseem muaj ntau yam lwm yam subtleties.

Ua li no, cov nyiaj txiag lub tsev kawm ntawv ib lub koom haum tag nrho departments uas txhua leej txhua tus xav thiab ntawm lwm yam uas automation. Yog li ntawd, yog hais tias koj rau ib co yog vim li cas doubt lub correctness ntawm cov soj ntsuam nqi ntawm qhov tsawg kawg nkaus them nqi, qhov uas yooj yim txoj kev uas yuav hu rau lub tsev txhab nyiaj thiab thov kom ib tug ncauj lus kom ntxaws qhia txog lub xam. Manager piav nyob rau hauv kom meej yuav ua li cas thiab nyob qhov twg nws tuaj ntawm txhua txhua superfluous, nyob rau hauv koj lub tswv yim, penny.