Yazi i-ovadrafti yakho egunyazisiweyo yeCIC
galela yazi isixa se i-ovadrafti egunyazisiweyo, jonga nje imigaqo kunye neemeko ze unyana ISIVUMELWANO. Kwakhona kunokwenzeka ukuba uqhagamshelane unyana mcebise ukuba abuze umbuzo.
Kwakhona, zithini iindleko zebhanki? I iintlawulo zebhanki Iimali ezifakwe kwi-invoyisi yibhanki okanye iziko letyala ngokutshintshiselana ngeenkonzo zalo okanye unikezelo lweemveliso zemali.
Zithini iintlawulo zokugcinwa kwe-akhawunti? Qu'Estyenza i imirhumo yokulungisa i-akhawunti ? Ngokommiselo we-27 kaMatshi 2014 malunga nokubizwa kwe iindleko iibhanki, yi " iindleko iqokelelwe yibhanki kulawulo lwe compte ". Oko Est, uya kuqonda, akucacanga ngokwentelekiso.
Isebenza njani iCIC agios? THE i-agios ziintlawulo ekufuneka umthengi webhanki ahlawule xa i-akhawunti yakhe igqithiselwe, oko kukuthi, ibhalansi yabo ayinayo.
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Enyanisweni, xa i-akhawunti inetyala, iibhanki zihlawulisa abathengi bazo i-agios eziqulunqwe:
- inkcitho yenzala;
- iindleko ezahlukeneyo;
- imirhumo yebhanki.
Nangona kunjalo, ungayibona njani isilingi yakho yeCIC?
Uya kufumana i iisilingi yamakhadi akho kwindawo yabathengi bakho okanye kwisicelo esiphathwayo CIC.
Loluphi ugunyaziso lwe-ovadrafti?
Isilingi kunye nobude bexesha le fumanisa zibonelelwe kwisivumelwano se-akhawunti okanye kwi-ugunyaziso ekhethekileyo. Nangona kunjalo, i fumanisa ayinako ukudlula kwiinyanga ezi-3 ezilandelelanayo. Ukuba kungaphezulu kweenyanga ezi-3, ibhanki kufuneka ikwenzele isithembiso setyala, esisebenza iintsuku ezingama-30.
Yeyiphi eyona mali iphezulu inokutsalwa kwi-ATM ye-CIC? I abasasazi oluzenzekelayo CIC kunye neCredit Mutuel ikuzisa ukuya kutsho kuma-600 eeuro ngosuku 8. EFransi nakwamanye amazwe, ukurhola ukuya kuthi ga kwi-600 yee-euro ngeveki 9 uya abasasazi oluzenzekelayo. Hlawula ukuya kuthi ga kwi-4 ye-euro eqokelelwe ngenyanga 10 kumaziko abonisa iilogo zeCB okanye zeMastercard.
Ungawunyusa njani umda wokudluliselwa kwe-CIC? amagqabantshintshi tshintsha inani a ukudlulisa ngokusisigxina ?
- Kwimenyu yeMisebenzi, cofa Udluliselo ngokusisigxina.
- Kwicandelo Landela, cofa kwindawo Yakho ugqithiselo ngokusisigxina.
- Khetha i ukudlulisa ufuna ukuyitshintsha ngokunqakraza kwisihloko sayo.
- Cofa Hlela phezulu ekunene kwephepha.
Ingaba isilingi iphinda ibekwe nini ukuya ku-0 CIC?
Les iisilingi azibuyiselwa ke ngoko zero ekuqaleni kwenyanga nganye, kodwa ekuhambeni kwexesha ngokuhambelana nokusetyenziswa kwabathwali. Ukuba, umzekelo, ukuhoxiswa okuphezulu kufikeleleke ngoMeyi 7, kuya kufuneka ukuba ulinde kude kube ngoMeyi 14 (iintsuku ezisi-7 kamva) ukuhoxisa imali.
Ndilufumana njani ugunyaziso lwe-ovadrafti? Ngokuxhomekeke kwimeko kunye nemeko yemali yomxhasi, ii-overdraft inokunikwa ngokukhawuleza ukuba i-akhawunti ivuliwe, okanye, i-posteriori, ngesicelo esicacileyo sombhalisi. Kuzo zonke iimeko, ivelisa uxwebhu olubhaliweyo oluqulunqa isixa-mali, izinga kunye nemigaqo yokubuyisela.
Ndilucela njani ugunyaziso lwe-ovadrafti?
(Madam, Mhlekazi), Ukusukela (umhla wokwenziwa kwe-akhawunti), ndibambe i-akhawunti kwibhanki yakho enenombolo: (chaza inombolo ye-akhawunti). Ndifuna ukuxhamla kwi-a i-overdraft iyaqhubeka isixa (chaza) euro, ukusuka (umhla ofunekayo).
Okanye ukukhupha imali ngekhadi leCIC? Susa ukuya kuthi ga kwi-500 € 5 ngosuku kwi-Credit Mutuel ATM kunye CIC . Susa ukuya kuthi ga kwi-300 € 6 ngeveki kwii-ATM zezinye iibhanki, eFransi okanye phesheya.
Ndingarhoxisa phi ngekhadi le-CIC?
yakho ezinokufumaneka, isesame kwimisebenzi yakho
ngo abasasazi be CIC kunye yeCredit Mutuel, ukongeza susa imali, ungenza imisebenzi emininzi: jongana neakhawunti yakho. faka iitshekhi zakho.
Uthini umahluko phakathi kwekhadi leVisa kunye neMastercard?
I-Visa kunye ne-MasterCard : into ukubeka ? Kwelinye icala, uphawu ivisa ikhona kumazwe angama-200 kwaye yamkelwa kumazwe ngamazwe ngamakhadi ayo okuthenga ngetyala kunye namakhadi ebhanki. Enye, Mastercard isebenza kumazwe angama-210 kwaye yaziwa kakhulu ngamakhadi okuthenga ngetyala kunye neemveliso zokuhlawula kwangaphambili.
Indlela yokwenza ugqithiselo lwangaphandle kwiCIC? Yenza ugqithiselo lwe-CIC
- Yiya kwi Operation thebhu.
- Cofa kwithebhu Udluliselo .
- Yongeza inombolo yeakhawunti yomkhiphi.
- Faka inombolo yeakhawunti yoMbonelelwa.
- Faka Isixa.
- Jonga ulwazi.
- Ukuqinisekisa.
Ulwenza njani utshintshiselwano olukhawulezileyo ngeCIC? Kuba yenza ugqithiselo olukhawulezileyo, vele uhambe sur indawo yomthengi wabo kwaye ukhethe ukhetho ugqithiselo olukhawulezileyo. le ukudlulisa yenziwa ngaphantsi kwemizuzwana eyi-10 phakathi kweeakhawunti ezimbini. Eli nqaku lifumaneka iiyure ezingama-24 ngosuku, iintsuku ezisi-24 ngeveki kwaye ixabiso layo liyahluka ngokweebhanki.
Kutheni ibhanki yam yala intlawulo ye-Intanethi?
Esinye sezizathu eziqhelekileyo zokuba kutheni a ukwala de inkokhelo ezinokufumaneka zebhanki sur intanethi ifunyenwe, kukungabikho kwemali kwi-akhawunti. Ewe, ukuba ibhalansi yeakhawunti yakho yangoku itsalwayo okanye ukuba ufikelele kumda ogunyazisiweyo we-overdraft, inkokhelo sera wala sur intanethi.
Ukwazi njani ukuphela kweentsuku ezingama-30? Umzekelo: umyinge wakho wokurhoxisa yi-€2 kwi Iintsuku ezingama-30 zokuhamba, ukuba urhoxisa i-1 nge-500 kaJanuwari, unokurhoxisa kuphela i-3 ukuya kwi-500 kaFebruwari. Ubalo lwe iintsuku kuba isilingi ukurhoxiswa akwenzeki ukusuka 1st ukuya 30 okanye 31 yenyanga, kodwa ukusuka usuku apho ubethe ikepusi.
Ukuhlawula njani xa umda ufinyelelwe?
Ukuba isilingi ifikelelwe, kufuneka ulinde iintsuku ezisi-7 ukuze ukwazi ukutsala imali kwakhona. Inani uya plafond de inkokhelo, zidla ngokubalwa ngaphezulu kweentsuku ezingama-30, ukusuka kumhla apho i plafond liye atteint.
Indlela yokubala iintsuku ezi-3 zokuqengqeleka? Ukubala i iintsuku ezimtyibilizi, akukho nto inokuba lula: ukusuka usuku okanye ukurhoxiswa okanye intlawulo yenziwe, uthatha okufanayo usuku kwiveki ezayo dibanisa enye usuku. Oku kuthetha ukuba ukuba umyinge wakho ubufikelelwe ngoLwesibini, ikhadi lakho liya kusetyenziswa ngoLwesithathu olandelayo.
Wazi njani ukuba unesigunyaziso se-ovadrafti?
Ibhanki mayibonise kwisiteyitimenti se-akhawunti yenyanga nganye isilingi sei-overdraft apho uzuza khona. Ngoko ke, kuba ukwazi ukuba ufumana a fumanisa ugunyazisiweyo, kufuneka ufunde isivumelwano seakhawunti yakho, okanye uqhagamshelane nomcebisi wakho webhanki.
Uyikhupha njani imali kwikhawuntara yeCIC? Faka ikhowudi yekhadi lakho lesitshixo eliceliweyo. Khetha i-E-Ukurhoxa uze ufake isixa se yokuyeka yemali efunekayo (phakathi kwe-€20 kunye ne-€200 kunye nokuphindaphindwa kwe-€20). Faka ikhowudi yokuqinisekisa yeselula eceliweyo.
Ungasirhoxisa njani isixa esikhulu seCIC?
Isinyanzelo sokuqala kufuneka usithathele ingqalelo ngaphambi kokuba uzame ukurhoxisa isixa esikhulu ngemali ezinkozo kukuba ikhadi lakho livaliwe. Oko kukuthi, kwikhadi ngalinye letyala, ibhanki yakho iya kuseka isilingi (a somme ubuninzi) ongenako ukugqitha ngaphezu kweentsuku ezisi-7 okanye ezingama-30.
Yeyiphi ibhanki ekhutshwa yiSMS? UCaisse d'Epargne usungula i Ukurhoxiswa kweSMS », owokuqala eFransi.