Credit card: banking cards, tsim, muaj nuj nqi, cov nta thiab functionality

Yas cards Ntug dej tau ntev lawm ib feem ntawm txhua txhua niaj hnub tus txiv neej. Thiab muaj ib tug xov tooj ntawm yog vim li cas. Ib tug neeg - lub nyiaj hli, cov lwm yam - ib tug scholarship los yog nyiaj txiag kev pab tau txais nyob rau hauv credit cards.

Hom ntawm bank card, cov tej yam kev mob ntawm lawv cov foundations, siv, txoj kev kaw, raws li zoo raws li lub keeb kwm ntawm no nyiaj txiag khoom, koj yuav tau kawm los ntawm kev nyeem ntawv no tsab xov xwm. Nws kuj nrov tshaj plaws thoob ntiaj teb systems yuav tsum tau nthuav tawm, kev soj ntsuam txog nrog yas card tom qab muab thiab kev pab txhawb nqa.

Lub hauv paus chiv keeb thiab tom ntej keeb kwm ntawm txoj kev loj hlob

Xav txog cov phaib, pib los ntawm lub caij thaum lawv pib tshwm thawj bank card.

Cov khoom tawg nyob rau hauv America nyob rau hauv lub fifties ntawm lub xeem caug xyoo, raws li zoo raws li thoob plaws hauv lub ntiaj teb no, siv cov nyiaj nyob rau hauv ob hom: cov nyiaj ntsuab thiab tsis yog nyiaj ntsuab.

Yog hais tias tus thawj hauv daim ntawv ntawm tag nrho cov ntshiab, lub thib ob nres rau ntawm nws tus account.

Cashless thoob lub ntiaj nyiaj ces twb tshev thiab checkbooks. Tam sim no cov neeg siv ntawm yas cards to taub tag nrho cov kev tsis zoo ntawm txoj kev siv ntawm checkbook:

- tau cuav;

- ntev npe ntawm txhua lub lag luam;

- yeej xav mus nqa ib daim ntawv kos, uas yuav muab tau yooj yim puas.

Thaum lub sij hawm uas tib American trade boom, thaum lub xov tooj ntawm coj mus muag muas muaj multiplied ob peb lub sij hawm, qhov yuav tsum tau muaj ib lub cuab tam uas yuav nti cov tshev mis, heev npaum li cas aggravated.

Ua ntej, bank card saib zoo li ib qho daim duab los qhia rau ntawm uas nkag mus rau lawv cov ntaub ntawv.

Lawv maj mam zoo tuaj, yuav muaj kev theem ntawm kev tiv thaiv.

Nyob rau hauv daim ntawv nyob rau hauv tag nrho cov uas siv los pom phaib hnub no, lawv tau pib nyob rau hauv nruab nrab 70 lub ntawm lub xeem caug xyoo, tsis ntev tom qab nws tau yees ua magnetic daim kab xev.

Yuav ua li cas yog ib tug bank card?

Tsis tas yuav mus rau hauv cov nyiaj txiag, peb yuav hais tsuas - nws yog ib lub tseem ceeb mus rau lub bank account, los ntawm uas koj muaj peev xwm ua tau hauj lwm teev nyob rau hauv qhov kev pom zoo (thim thiab deposit nyiaj, them tej nuj nqi, etc ...).

Nws yog noteworthy hais tias muaj ntau tus neeg xav hais tias qhov no daim ntawm yas belongs rau cov neeg owning lub account. Qhov no yog ib tug yuam kev, raws li qhov tseeb tswv ntawm lub credit card nws yog tus muab lub txhab nyiaj. Tus neeg uas yog tus tswv ntawm ib daim ntawv account - nws yog ib tug card yas dhos.

Yuav ua li cas yog ib bank card?

Rau hnub tim, tag nrho cov credit cards, tsis hais txog ntawm lub chaw tsim tshuaj paus, muaj ib tug txheej txheem zoo thiab loj. ISO 7810 - ib tug txheej txheem uas qhia txog dab tsi yuav tsum bank card. Hom ntawm bank card, uas muaj li nram no, muaj ntau, tab sis raws li nram no tsis muaj ib yam:

• loj - 85,6 rau 53,98 hli;

• lub xub ntiag ntawm lub magnetic daim kab xev;

• tau xub ntiag ntawm lub nti;

• nyob rau hauv pem hauv ntej sab muaj duab (tom qab duab), raws li zoo raws li lub logo ntawm cov nyiaj them system, daim card tooj, lub npe ntawm nws yas dhos thiab lub npe ntawm lub hli thiab lub xyoo uas nws siv;

• nyob sab nram qab txawv yog tseem tam sim no; Nyob rau hauv tas li ntawd, muaj ib tug sib nqus daim kab xev, ib qhov chaw rau kos npe rau daim ntawv yas dhos thiab ib tug tshwj xeeb daim card code muaj peb los yog plaub tug lej tom qab.

Ntawm cov hoob kawm, muaj ib co kev zam, nyob ntawm seb lub muab bank. Piv txwv li, ib co nyiaj txiag hauv tsev mus yuam kom cov yees duab prints ntawm lub yas dhos rau lub bank card.

Hom ntawm bank card

phaib kev faib yuav tsum ua ob peb pab pawg intelligently parse lawv los ntawm hom. Yog li, lub hom ntawm kev them nyiaj system nyob rau hauv uas cov nuj nqi cards, lawv yog:

• zos;

• thoob ntiaj teb.

Nyob rau hauv kev sib raug zoo mus rau lub card account:

• yooj yim;

• ntxiv.

Raws li cov xovxwm hom:

• embossed;

• neembossirovannye.

Ntawv yuav muab faib rau cov tau ua hauj lwm rau:

• lub xam los yog debit;

• credit;

• prepaid credit cards.

Hom ntawm bank ntawv yuav muab faib thiab cov xwm txheej thiab theem ntawm cov kev pab cuam nyob rau hauv cov nram no txoj kev:

• instant (unregistered);

• txheem;

• kub;

• platinum;

• hwm.

Nyob rau hauv qhov tseeb ntawm lub cev hav zoov:

• tiag tiag;

• virtual.

Local maps yog ib tug them nyiaj ntsuas uas ua hauj lwm nyob rau hauv tsuas yog ib qho kev them nyiaj system, kev khiav hauj lwm rau hauv ib ncig ntawm ib lub xeev.

International, nyob rau hauv lem, ua rau nws ua tau kom cov nyiaj them thoob plaws hauv lub ntiaj teb no, uas muaj peev xwm koom tau nrog lwm kev them nyiaj systems.

Cov feem nrov thoob ntiaj teb kev them nyiaj systems yog Visa (ntiaj teb no kev ua lag luam qhia tawm - ntau tshaj 50%) thiab MasterCard (txog 30% ntawm tag nrho cov ntiaj teb no ntawm yas cards). Nyob rau hauv peb qhov chaw yog American Express, uas yuav siv sij hawm txog 18%. Ib qho piv txwv ntawm cards muab nyob rau hauv Lavxias teb sab Federation, uas ua hauj lwm thoob ntiaj teb, yog ib tug debit card "Tinkoff Bank".

Yuav kom ib tug card account yuav tsum muab raws li ib tug lub ntsiab thiab ntxiv card. Lub lub yas dhos ntawm lub ntsiab card yuav tsum yog tus tswv ntawm daim card account.

Tuav tseg ntawm ntxiv cards muaj peev xwm ua tau leej twg, tab sis yuav tsum tau pom zoo card account yas dhos.

embossed phaib

Tej cards muaj peev xwm kav ntev tshaj li neembosirovannye, vim lub fact tias cov xov tooj thiab daim ntawv hnub tas sij hawm, thiab lub npe ntawm lub yas dhos thiab nws lub npe yog tsis sau thiab embossed rau cov hnab yas.

Nyob rau pa maps heev sai sai erased tag nrho cov inscriptions vim rau qhov tsis sib haum xeeb nyob rau hauv lub hnab tawv pojniam, lub hnab tshos, thiab lub tshuab ATM. A card, embossed embosser (tshwj xeeb ntaus ntawv), tsis txhob poob lawv daim ntawv no kuj yog ib lub sij hawm ntev.

Yuav ua li cas yuav ua li cas nrog rau cov card?

Raws li cov saum toj no daim ntawv teev cov hom ntawm cov yas cards, lawv yuav tsum tau muab faib rau cov tau muas. Xav txog tej yam nyob rau hauv ntau yam.

Piv txwv li, ob tug ntawm cov tib hom nyob rau hauv lub Visa Classic cards cia lawv tuav tseg ua cov hauj lwm. Qhov no yog vim lub fact tias credit card chav kawm ntawv yog tsuas yog cov txiav txim seb tus yam ntxwv uas muaj rau lawv muaj.

Tus thawj tshaj plaws peb xav txog debit cards (payment). Lawv yog siv rau kev nkag mus rau hauv lub vaj huam sib luag capital ntawm lub tsev txhab nyiaj cov neeg, uas yog muab tso rau hauv daim ntawv account.

Lub mechanism ntawm lawv ua hauj lwm tsis yog yooj yim - ua ntej koj yuav tau muab cov nyiaj los yog tos rau hloov lwm lub tsev mus rau lub account, ces siv cov nyiaj ntsuab card yuav siv tau rau txhua lub sij hawm qhov muaj yog ib tug coj davhlau ya nyob twg.

Ib txhia ntawm lawv txawm yuav hu ua deposit. Ib qho piv txwv yog tus debit card "Tinkoff Bank", uas theem nyiaj khwv tau los rau lub yas dhos vim muaj cov nyiaj paj nqi thiab ib tug ntau yam ntawm lawm cov kev pab cuam.

Tsis tas li ntawd, daim debit cards yog muab los ntawm lub tsev txhab nyiaj, nrog kev pab los ntawm cov lag luam tawm tes hauj lwm. Piv txwv li, hauv daim ntawv qhia "Pob kws" yog ib tug universal them nqi kev ntsuas rau cov khoom thiab cov kev pab cuam nyob rau hauv lub network "Euroset", raws li zoo raws li nws cov neeg koom tes.

credit cards

Tseem muaj credit cards. Nyob rau hauv sib piv rau lub yav dhau los hom, lawv yog tsim los siv ntawm borrowed nyiaj. Piv txwv li, koj muaj ib tug MasterCard credit card nrog rau qhov nyiaj ntawm 10 txhiab. Rubles.

Thaum koj khiav tawm ntawm lawv tus kheej nyiaj, koj yuav tau tshem tawm cov daim ntawv no ntxiv, noj mus rau hauv tus account cov kev txwv ntawm 10,000 p. Nyob rau hauv cov nqe lus ntawm daim ntawv cog lus, koj yuav tau rov qab mus cov nyiaj mus rau lub nyiaj txiag lub tsev kawm ntawv, muab nyiaj nyob rau hauv lub bank card, thiab them ib tug nqi rau lawv cov kev siv nyob rau hauv daim ntawv ntawm kev txaus siab yog hais tias xws daim ntawv cog lus qhia.

Lawv muaj peev xwm yuav txawv, nyob ntawm seb yuav ua li cas lub bank yuav them paj rau koj rau cov nyiaj txais. Piv txwv li, yog ib tug preferential credit cards rau cov uas koj yuav tau them paj xwb nyob rau hauv cov ntaub ntawv ntawm tsis ua hauj lwm rov qab cov nyiaj, hu ua preferential thaum lub sij hawm tshwj xeeb lub sij hawm. Feem ntau nws yog 30-40 hnub.

Prepaid credit cards yog tsis muaj dab tsi tab sis zoo li ib tug qub khoom plig daim ntawv pov thawj, tab sis ib tug ntau universal hom. Nrog rau qhov no daim card uas koj yuav ua tau kev yuav khoom nyob rau hauv tej yam khw uas txhawb qhov kev pab no.

Hais tias yog, koj yuav hais tau ib them ua ntej daim ntawv nyob rau 5 th. Rubles, muab nws rau tus neeg uas yuav tsum tau them rau raws nraim tib yam nqi thaum muas khoom nyob rau hauv no khw. Lub hauv paus ntsiab lus ntawm cov lag luam yog tib yam li hais tias ntawm lub txiaj ntsim daim ntawv pov.

Txawv phaib theem

Cov debit cards muaj peev xwm tseem yuav muab faib mus rau hauv ob peb hom, nyob ntawm seb lawv qib thiab cov nyob rau ntawm ntxiv kev xaiv thiab qhov kev tiv thaiv tiv thaiv nyiaj txiag dag rau lawv.

Cov theem yog feem ntau tsuas hais txog tus txheej xwm ntawm lub yas dhos tshaj lub ho txawv los ntawm txhua lwm yam. Txawm hais tias muaj kev zam.

Lub qis tshaj theem nyob rau hauv lub instantaneous (unregistered) phaib. Tsis muaj nws tsis yog vim hais tias tsis muaj ib tug twg muaj. Qhov no yog vim lub fact tias, los ntawm ordering rau koj tus kheej ib tug bank card, koj yuav tau txais nws instantly. Bank kev txiav txim rau lawv nyob rau hauv ua ntej, tab sis lawv tsis muaj npe, thiab lub npe ntawm daim card yas dhos. Cov cards feem ntau yog ua kom cov kev yuav khoom nyob rau ntawm lub hauv internet khw muag khoom noj.

Baseline (standard) theem

Ces raws li tus txheej txheem qib. Nws implies lub hav zoov ntawm cov ntawv teev lus Visa Classic los yog MasterCard Cov. Los ntawm Instant cards yog distinguished los ntawm ib tug nce qib ntawm kev ruaj ntseg vim cov embossed los yog neembossirovannoy sau npe thiab lub xeem ntawm daim card yas dhos. Tej cards mas siv los them cov nyiaj hli rau neeg ua hauj lwm, stipends, cov nyiaj laus pension thiab lwm yam kev pab nyiaj txiag.

Ntau zaus tshaj kub cards yog pom nyob rau hauv daim ntawv ntawm ib tug Visa kub los yog MasterCard kub. Tus txheem ntawm cov yas card rau ib theem tsis txhua leej txhua tus muaj peev xwm them taus, li ntawd, nws yog suav tias yog ib tug raws li txoj cai, raws li txwv mus rau yav dhau los sawv daws yuav. Qhov no theem ntawm daim ntawv tej zaum yuav twb muaj xws li hauv lub xub ntiag ntawm lub yas chips, uas ho tsub kom kev tiv thaiv tiv thaiv kev dag ntxias. Nyob rau hauv tas li ntawd, muaj cov tsev txhab nyiaj uas muaj tuav Visa kub free tau cuab yeej thiab ntawv kho mob.

Platinum Visa los yog MasterCard yog raws li txoj cai-ntau tshaj kub. Lawv tus nqi tej zaum kuj los mus rau cov nqi sib npaug zos rau ob peb lub sij hawm lub subsistence theem, nyob ntawm seb tus nqi ntawm lub tsev txhab nyiaj. Muaj zog sib txawv los ntawm lub yav dhau los theem tsis yog. Feem ntau cov feem ntau qhov no sib txawv yog manifested nyob rau hauv lub muaj zog txwv rau nqa tawm ntau ua hauj lwm nrog cov card.

Thiab lub siab tshaj plaws card yog ib tug nqi. Tus nqi ntawm cov phaib heev thiab cov kev pab cuam yog kim heev rau qhov nruab nrab neeg. Qhov no tau tshwm sim los rau qhov kev xaiv (kev pab ntxiv), uas lub sij hawm thaum muaj ib tug dawb tuav tej cards. Piv txwv li, nws yog ib tug tus kheej nyiaj txiag adviser thiab koj tus kheej Helpline, uas muaj peev xwm hu thaum twg los tau lub sij hawm.

Lub card yuav ua tau virtual thiab

Raws li tau teev yav tas los, daim card yuav tsis tsuas yas, tab sis kuj kiag li virtual, uas yog, tshwm sim tsuas yog nyob rau hauv lub computer.

Cov no yog cov tshwj xeeb daim ntawv uas yog muaj nyob rau hauv hluav taws xob daim ntawv los ntawm lub tsev txhab nyiaj heev dua lwm yam rau cov nyiaj them rau lub Internet. Tom qab tag nrho, lawv yuav tsum tau ib tug tsawg kawg nkaus ntawm cov ntaub ntawv - ib daim ntawv code, expiry hnub thiab tshwj xeeb CVV2 code.

Cov kev xaiv yuav tsum yog nyob ntawm seb cov kev xav tau

Paub tag nrho cov yam ntxwv ntawm cov ntawv teev lus, koj yuav tau yooj yim xaiv ib tug haum ib tug. Qhov tseem ceeb tshaj - nws yog txoj cai kom qhia txog lawv cov kev xav tau. Piv txwv li, yog vim li cas koj xav tau "credit card", yog hais tias koj muaj myiaj txiv neej, raws li zoo raws li lub card "Pob kws", yog hais tias tsis siv cov kev pab cuam ntawm "Euroset" los yog nws cov neeg?

Tsis tas li ntawd nco ntsoov: lub siab cov hoob kawm daim card, qhov ntau kim nws yuav raug nqi rau koj ib tug kev pab cuam. Yog hais tias koj yog ib tug me nyuam kawm ntawv, cov kub card rau ntawm ib lub sij hawm yog tsis muaj zoo. Thiab nrog heev mus txawv teb chaws thiab txaus loj ncig ntawm cov nyiaj pab tsis platinum credit card koj yuav tsis ua li cas, xav tias tag nrho cov kev pab uas yuav muaj rau koj.