Muddo Grace. Sida loo isticmaalo si caqli ah

Advertising joogto ah noo hubinayaa in haystaha wax of credit card lacag ka heli kartaa on credit aan dan u arrin muddo badan, taas oo ka dhigan laga yaabaa in hal ama laba bilood ah, iyo waqti dheeraad ah. Qaar badan oo shaki dhuumalaysi in tani ay tahay wax ka badan dhoola sumcad ah. Si kastaba ha ahaatee, bangiyo halis manipulations sida weyn u dhimi kartaa image ah. Halkan waxaa jooga khiyaano lahayn. Waxaa keliya oo loo baahan yahay ka hor inta aadan saxiixin heshiiska uu kula hay'ad credit a si taxadar leh ku baran shuruudaha. Sidaas waxa hoos weedha ah soo jiidasho leh "waqti"?

Isagoo ka hadlayay macno ahaan, waa muddada ilaa iyo dhamaadka oo aad isticmaali karto lacag u amaahannay aan bixin xiisaha u yeelay. In aragtida, wax walba waa mid fudud, laakiin dhab ah credit card muddo nimcada of credit soo saaray bangiyada kala duwan ah, shaqeeyaan siyaabo kala duwan.

Maxay waa in aad lacag bixisid si aad fiiro

Waa midda koowaade, fikradda ah "muddo nimcada credit", sida caadiga ah waxay khuseeyaan xawaalad by bixinta iibsiga kaadhka, halkii ay ka soo bixid lacag caddaan ah. Ka reeban, dabcan, waxaa jira, laakiin ka hor inta aadan heshiis la gasho, hubi inaad caddeeyo arrintan.

khalad labaad ah in dadka isticmaala badan ee kaararka, waxaa la soo jeediyay in isticmaalka laga saaro lacagta kaarka "free" ee suurtogalka ah inta lagu jiro mudada ku xusan xayaysiinta. Dhab ahaantii, tani ma aha had iyo jeer waa kiiska. Sidaas daraaddeed, haddii muddada nimcada waa 60 maalmood, ma had iyo jeer macnaheedu ma in ay ka saareen lacag kaarka ah wakhti kasta, waxaad iyaga ku soo laaban kartaa waqti in gudaha iyo ma u leeyihiin in ay bixiyaan dulsaar leh.

In faahfaahin dheeraad ah, "ayuu dulsaar la'aan" isticmaalka lacagaha amaahatay ka kooban yahay laba weji:

• dejinta (waqtiga marka aad lacag ka card ay qarashgareyn kartaa);
• bixinta (bilowday ka dib dejinta iyo siiyey inay bixiyaan daynta buuxda).

Waa labadan qaybaha kor ku dar in tiradaasi yaboohay 50, 60 ama ka badan maalmood isticmaalka dulsaar la'aan ah lacag. Heerka labaad waa mid fudud, waa tiro go'an oo maalmo, bangiga tilmaamay, inta badan loo siman yahay si ay u 20. Laakiin muddo dejinta waxaa lagu qeexi karaa siyaabo kala duwan. Haddii aad hesho cusub oo credit card, muddo nimcada a bilaabi kartaa xilligan?

• dardargelinta card;
• marka hore laga saaro hab ay.

In mustaqbalka, xilli loo qeexi karaa sida kala duwan oo loo siman yahay:

• harsan ilaa dhamaadka bil tirada maalmaha,
• tiro go'an oo maalmood laga bilaabo taariikhda tallaabada la map-ka (oo mararka qaarkood loo siman yahay si muddada lacagbixinta).

Sidaas daraaddeed, in qofkii ugu horreeyey ee, haddii caddadka noqdey 1 tirada, muddo nimcada waxa ay noqon doontaa 50 maalmood (kalandarka bisha + 20 maalmood muddada lacagta a), laakiin haddii aad u qabto hawlgal noocan oo kale ah 15 lambarrada, in la isticmaalo hab ka tagay (15 maalmood ka hor dhamaadka bisha + 20 maalmood muddada biilka = 35 maalmood).

In kiiska labaad, waana caadiga ah ee caag raqiis ah, muddo aan dulsaar lahayn waxay noqon kartaa sida ugu hooseysaa 20 maalmood.

Waa maxay Gunnada ee bangiga

Waxaa soo baxday: xaddi gaar ah oo waqti aad u isticmaali kartaa lacag soo amaahday lacag la'aan ah. Maxaad deyn tag, waayo? Dhab ahaantii, muddada nimcada a - adeegyada waxtar u leh labada dhinac. user wuxuu leeyahay fursad uu ku sameeyo wax iibsiga on shuruudaha wanaagsan (haddii aad haysato waqti in uu bixiyo daynta waqti). Well, bangiga heli doonaa boqolkiiba halkii weyn ah (ka badan 20% sannadkii), haddii uu macaamilka ma bixiyo deynta dhamaadka marxaladda dulsaar la'aan ah. By habka, haddii kaarka ayaa lagu soo oogay xaddiga 30,000 rubles, iyo ka hor dhammaadka muddada nimcada waa la damiyay 25,000, boqolkiiba ee loo isticmaalin lacagaha ma aha inuu bixiyo 5,000 oo rubles, iyo lacagtii oo dhan.

Sidaa darteed, isagoo si taxadir leh bartay shuruudaha lacag caddaan ah, aan si sax ah Wakiil karaa iyaga ka mid ah.