Yazi i-overdraft yakho ye-CIC egunyaziwe
ngoba ukwazi inani le i-overdraft yayo egunyaziwe, bheka nje imigomo nemibandela ye wakhe INKONDLELA. Kungenzeka futhi ukuthintana wakhe amcebise ukuthi abuze umbuzo.
Futhi, yiziphi izindleko zebhange? I izindleko zasebhange amanani afakwe i-invoyisi yibhange noma isikhungo sezikweletu ukuze sinikeze izinsizakalo zalo noma ukuhlinzekwa kwemikhiqizo yezezimali.
Ziyini izimali zokunakekela i-akhawunti? Qu'kuyintoyenza izimali zokunakekela i-akhawunti ? Ngokwesinqumo sangomhla zingama-27 kuNdasa wezi-2014 mayelana nokuqanjwa kwe izindleko amabhange, " izindleko eqoqwe yibhange ukuze kuphathwe compte ". Lokho kuyinto, uzoqonda, akulula kangako.
Isebenza kanjani i-CIC agios? THE ama-agios yizinkokhelo ikhasimende lasebhange okufanele lizikhokhe lapho i-akhawunti yalo isikweqile, okungukuthi, ibhalansi yalo inegethivu.
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Ngempela, lapho i-akhawunti isezikweletini, amabhange akhokhisa amakhasimende awo ama-agios ezakhiwe:
- izindleko zenzalo;
- izindleko ezihlukene;
- izimali zebhange.
Kodwa-ke, ungalubona kanjani uphahla lwakho lwe-CIC?
Uzothola i ophahleni yamakhadi akho endaweni yamakhasimende akho noma ohlelweni lokusebenza lweselula I-CIC.
Yikuphi ukugunyazwa kwe-overdraft?
Uphahla kanye nobude besikhathi Yekuchumana © ehlanganiswa zihlinzekelwe esivumelwaneni se-akhawunti noma ku-autorisation engavamile. Nokho, i Yekuchumana © ehlanganiswa ayikwazi ukweqa izinyanga ezi-3 ezilandelanayo. Uma kunezinyanga ezingaphezu kwezingu-3, ibhange kufanele likwenzele isipho sesikweletu, esisebenza izinsuku ezingu-30.
Ingakanani inani eliphezulu elingakhishwa ku-ATM ye-CIC? THE abasabalalisi okuzenzakalelayo I-CIC kanye ne-Credit Mutuel ikulethela kufika ku-€600 ngosuku 8. E-France nakwamanye amazwe, khipha imali efika ku-€600 ngesonto 9 the abasabalalisi okuzenzakalelayo. Khokha kufika ku-€4 enqwabelene ngenyanga 10 ezindaweni ezibonisa amalogo e-CB noma e-Mastercard.
Ungawenyusa kanjani umkhawulo wokudlulisa we-CIC? Amazwana shintsha inani a inkokhelo unomphela ?
- Kumenyu ye-Operations, chofoza Ukudluliselwa unomphela.
- Esigabeni esithi Landela, chofoza okuthi Yakho ukudluliselwa unomphela.
- Khetha inkokhelo ofuna ukusishintsha ngokuchofoza isihloko sayo.
- Chofoza okuthi Hlela phezulu kwesokudla sekhasi.
Ngabe usilingi lusethwa kabusha nini lube ngu-0 CIC?
Les ophahleni ngakho azibuyiselwa kuzo zero ekuqaleni kwenyanga ngayinye, kodwa ngokuhamba kwesikhathi ngokusho kokusetshenziswa kwabathwali. Uma, ngokwesibonelo, ukuhoxiswa okuphezulu kufinyelelwa ngoMeyi 7, kuzodingeka ukuthi ulinde kuze kube nguMeyi 14 (izinsuku eziyi-7 kamuva) ukuze ukhiphe ukheshi.
Ungayithola kanjani imvume ye-overdraft? Kuye ngecala kanye nesimo sezimali seklayenti, ii-overdraft inganikezwa ngokushesha nje lapho i-akhawunti ivulwa, noma, i-posteriori, ngesicelo esicacile sobhalisile. Kuzo zonke izimo, kubangela ukuthi kubhalwe phansi inani, inani kanye nemibandela yokubuyisela.
Ngisicela kanjani isigunyazo se-overdraft?
(Nkosikazi, Mnumzane), Kusukela (usuku lokudalwa kwe-akhawunti), ngibambe i-akhawunti ebhange lakho inombolo yayo ethi: (chaza inombolo ye-akhawunti). Ngifuna ukuzuza ku-a i-overdraft iqhubeka ngenani (chaza) ama-euro, kusukela (idethi oyifunayo).
Noma ukhiphe imali ngekhadi le-CIC? ukuhoxisa kuze kufike ku-500 € 5 ngosuku kuma-ATM e-Credit Mutuel kanye I-CIC . ukuhoxisa kuze kufike ku-300 € 6 ngesonto kuma-ATM kwamanye amabhange, eFrance noma phesheya.
Ngingahoxa kuphi ngekhadi le-CIC?
yakho Carte, isesame lemisebenzi yakho
e abasabalalisi be CIC kanye weCredit Mutuel, ngaphezu kwalokho ukuhoxisa imali, ungenza imisebenzi eminingi: thintana ne-akhawunti yakho. faka amasheke akho.
Uyini umehluko phakathi kwekhadi le-Visa ne-Mastercard?
I-Visa ne-MasterCard : lokho ukubeka ? Ngakolunye uhlangothi, uhlobo show ikhona emazweni angu-200 futhi yaziwa emhlabeni wonke ngenxa yamakhadi ayo esikweletu namakhadi edebhithi. Omunye, Mastercard isebenza emazweni angu-210 futhi yaziwa kakhulu ngamakhadi ayo esikweletu nemikhiqizo yokukhokha kusengaphambili.
Ungakwenza kanjani ukudluliselwa kwangaphandle ku-CIC? Yenza ukudluliselwa kwe-CIC
- Iya kuthebhu yokusebenza.
- Chofoza kuthebhu Ukudluliselwa .
- Engeza inombolo ye-akhawunti yokhiphayo.
- Faka inombolo ye-akhawunti Yomhlomuli.
- Faka Inani.
- Hlola imininingwane.
- Ukuze uqinisekise.
Ungakwenza kanjani ukudluliselwa okusheshayo nge-CIC? Ngoba yenza ukudlulisa okusheshayo, vele uhambe on indawo yamakhasimende abo bese ukhetha inketho ukudlulisa okusheshayo. the inkokhelo kwenziwa ngaphansi kwemizuzwana eyi-10 phakathi kwama-akhawunti amabili. Lesi sici sitholakala amahora angu-24 ngosuku, izinsuku ezingu-24 ngesonto futhi intengo yaso iyahlukahluka ngokuya ngamabhange.
Kungani ibhange lami lenqaba inkokhelo ye-inthanethi?
Esinye sezizathu ezivamile zokuthi kungani a ukwenqaba de yokukhokha Carte yasebhange on internet kutholakala, wukungabi bikho kwemali ku-akhawunti. Impela, uma ibhalansi ye-akhawunti yakho yamanje idonswa emalini noma uma usufinyelele umkhawulo ogunyaziwe we-overdraft, yokukhokha kuthanda wenqaba on internet.
Ungazi kanjani ukuphela kwezinsuku ezingama-30? Isibonelo: umkhawulo wakho wokuhoxa ngu-€2 Imizuzu engama-30, uma ukhipha u-€1 ngoJanuwari 500, ungakhipha kuphela u-€3 kuze kube umhla ka-500 February. Isibalo se izinsuku ngoba uphahla lokuhoxiswa alwenzeki kusukela ku-1 kuya ku- 30 noma 31 wenyanga, kodwa kusukela usuku lapho ushaye ikepisi.
Ukhokha kanjani lapho umkhawulo usufinyelelwe?
Uma uphahla lufinyelelwe, kufanele ulinde izinsuku ezingu-7 ukuze ukwazi ukukhipha ukheshi futhi. Inani the kubekwe umkhawulo emiholweni yezimenenja de yokukhokha, zivame ukubalwa ngaphezulu kwezinsuku ezingama-30, kusukela ngedethi lapho i- kubekwe umkhawulo emiholweni yezimenenja kwaba atteint.
Ungabala kanjani izinsuku ezi-3 zokugoqa? Ukubala i izinsuku ezishelelayo, akukho okungaba lula: kusuka usuku noma ukuhoxiswa noma inkokhelo yenziwe, uthatha okufanayo usuku ngesonto elizayo plus one usuku. Lokhu kusho ukuthi uma umkhawulo wakho ufinyelelwe ngoLwesibili, ikhadi lakho lizosetshenziswa ngoLwesithathu olulandelayo.
Wazi kanjani uma ukugunyazwa kwe-overdraft?
Ibhange kumele likhombise esitatimendeni se-akhawunti sanyanga zonke inani le-i-overdraft ozuza kukho. Ngakho, for ukwazi uma uthola a Yekuchumana © ehlanganiswa ugunyaziwe, udinga nje ukufunda isivumelwano se-akhawunti yakho, noma uxhumane nomeluleki wakho webhange.
Ungayikhipha kanjani imali kwikhawunta ye-CIC? Faka ikhodi yekhadi lakho lokhiye womuntu siqu olicelile. Khetha u-E-Ukuhoxa bese ufaka inani le ukuhoxiswa yemali efiselekayo (phakathi kuka-€20 no-€200 futhi ngokuphindaphindwa kwama-€20). Faka ikhodi yokuqinisekisa yeselula eceliwe.
Indlela yokukhipha isamba esikhulu se-CIC?
Isibopho sokuqala okufanele usicabangele ngaphambi kokuzama khipha isamba esikhulu ngemali ewukheshi ukuthi ikhadi lakho livaliwe. Okusho ukuthi, ekhadini lesikweletu ngalinye, ibhange lakho lizokwakha uphahla (a isamba esiphezulu) ukuthi awukwazi ukweqa ngaphezulu kwezinsuku eziyi-7 noma ezingama-30.
Iliphi ibhange i-SMS elikhiphayo? UCaisse d'Epargne wethula uhlelo Ukuhoxiswa kwe-SMS », owokuqala eFrance.