Yuav siv daim npav rho nyiaj li cas kom raug

2024 Tus sau: Malcolm Clapton | [email protected]. Kawg hloov kho: 2023-12-17 03:58

Tricky lub neej hacks rau qhov siab tshaj plaws.

Daim npav rho nyiaj zoo li rab riam zoo. Tus kws ua zaub mov yuav chop zaub rau lawv hauv vib nas this thiab deftly txiav cov nqaij, thaum tus me nyuam tsuas yog raug mob nrog rab riam no. Nws zoo ib yam nrog daim npav rho nyiaj: rau tus neeg paub txog nyiaj txiag, nws yuav nqa nyiaj thiab ua kom lub neej yooj yim dua, thiab rau tus pib tsis paub, nws yuav tsim nuj nqis thiab ua rau koj cov keeb kwm qiv nyiaj puas.

Hauv tsab xov xwm no - cov cai uas yuav pab koj "tsis txiav koj tus kheej" nrog daim npav rho nyiaj thiab tau txais txiaj ntsig los ntawm nws.

1. Siv nyiaj ntau npaum li koj tuaj yeem rov qab tau

Them nrog koj daim npav rho nyiaj zoo li nws yog daim npav rho nyiaj tsis tu ncua. Yog tias koj tau siv 50,000 rubles txhua lub hlis, ces siv ntau heev, tsis txhob them nyiaj rau qhov kev txwv.

Yuav ua li cas tsis ua

Sasha khwv tau 40,000 rubles thiab txuag tau tsuas yog 11,000 ib hlis, nws xav yuav iPhone tshiab rau 60,000 rubles. Qhov no yog qhov kev yuav khoom tsis muaj txiaj ntsig: Sasha yuav them rov qab cov nuj nqis rau lub txhab nyiaj rau 6 lub hlis thiab yuav them ntau dua li nws tuaj yeem ua tau.

Koj yuav ua li cas

Sasha tau mus yuav daim pib dav hlau lub hli tom ntej, tab sis pom tias tam sim no lawv tau muag rau kev nce qib. Hloov chaw ntawm kev npaj 30,000 rubles, nws tuaj yeem siv 25,000 - qhov no yog kev sib tw. Tam sim no Sasha tsis muaj tag nrho cov nyiaj, tab sis nws yuav twv yuav raug ntaus hauv ob lub lis piam. Yog li ntawd, nws them rau daim pib nrog daim npav rho nyiaj, thiab hnub them nws rov qab cov nyiaj rau daim npav.

Yog tias koj ntshai siv nyiaj ntxiv, teem caij txwv - tus nqi uas koj npaj tau koom nrog hauv ib hlis. Qhov no tuaj yeem ua tiav hauv ib nrab feeb hauv daim ntawv thov mobile lossis hauv tus account tus kheej ntawm lub txhab nyiaj lub vev xaib.

Piv txwv li, koj muaj Tinkoff Platinum credit card nrog qhov txwv ntawm RUB 300,000. Yog tias koj tuaj yeem siv dawb 50,000 rubles ib hlis, teeb tsa qhov kev txwv no. Thaum koj tshaj nws, koj yuav tsis tau them los ntawm daim npav.

2. Rov qab cov nuj nqis thaum lub sij hawm muaj txiaj ntsim

Yuav luag txhua daim npav rho nyiaj muaj lub sijhawm zoo: ib hlis, ob, lossis peb. Yog tias koj xa rov qab cov nyiaj siv nyob rau lub sijhawm no, cov paj yuav tsis raug them - qhov no yog qee yam zoo li kev npaj them nyiaj los ntawm lub txhab nyiaj. Yog tias koj xav kom daim npav rho nyiaj tau txais txiaj ntsig, them cov nuj nqis raws sijhawm thiab siv lub txhab nyiaj tsis muaj paj.

Yog tias koj tsis nco qab tias koj tshuav nqi npaum li cas, ces xyuas cov ntaub ntawv no hauv koj tus kheej tus account lossis daim ntawv thov mobile. Los ntawm lub neej ntawd, koj tuaj yeem siv Tinkoff Bank nyiaj pub dawb rau 55 hnub.

3. Them cov nuj nqis hauv kev them nyiaj ntau dua qhov tsawg kawg nkaus

Ib qho kev qiv nyiaj ib txwm muaj hnub uas cov nuj nqis yuav tsum tau them. Tus neeg siv khoom them raws li lub sijhawm: tso nyiaj rau qee yam ntawm ib hnub. Tus tswv ntawm daim npav rho nyiaj tsis muaj lub sijhawm zoo li no, qhov tseem ceeb yog kom them nyiaj tsawg kawg nkaus. Nws so, thiab cov nuj nqis them rov qab ncua sij hawm.

Txhawm rau them koj cov nuj nqis credit card sai dua, nce koj cov nyiaj them txhua hli. Qhov tseeb yog tias cov nuj nqis muaj tus nqi tseem ceeb ntawm cov nyiaj qiv thiab paj. Qhov nyiaj tsawg kawg nkaus yog txaus los them cov paj paj tag nrho, tab sis ib feem me me ntawm cov nyiaj tseem tshuav los them cov nuj nqis tseem ceeb.

Yog li tso nyiaj ntau npaum li cas ntawm koj daim npav rho nyiaj ntau npaum li qhov ua tau: them nyiaj hauv tuam txhab sai dua thiab them nyiaj tsawg dua.

4. Tsis txhob thim nyiaj ntsuab

Daim npav rho nyiaj tsis tsim nyog rau rho nyiaj los ntawm nws. Cov lus piav qhia yog yooj yim: qhov ntau dua qhov tsis muaj nyiaj ntsuab ntawm daim npav, ntau lub txhab nyiaj khwv tau los ntawm kev lag luam. Txhawm rau txhawb koj siv daim npav, lub txhab nyiaj qhia txog kev txwv. Ua ntej, koj yuav them tus nqi them rau cov nyiaj rho tawm. Qhov thib ob, koj tuaj yeem poob lub sijhawm tsis muaj paj lossis qiv nyiaj zoo. Tag nrho cov xwm txheej yog nyob rau hauv daim ntawv cog lus, yog li npaj txhij.

Tib qhov xwm txheej yog nrog kev hloov nyiaj mus rau lwm daim npav. Qhov no tsis yog kev yuav khoom, lub txhab nyiaj yuav tsis ua haujlwm rau nws. Yog li ntawd, koj yuav tau them ib qho commission thiab paj rau kev hloov.

Piv txwv li, Sasha rho 10,000 rubles los ntawm Tinkoff Platinum credit card ntawm lub ATM. Rau qhov no, nws yuav them tus nqi ntawm 2.9% thiab lwm 290 rubles - uas yog, tsuas yog 580 rubles. Los yog nws tsuas tuaj yeem yuav cov khoom tsim nyog hauv khw rau 10,000 rubles, rov qab cov nuj nqis los ntawm nws cov nyiaj hli thiab tsis them nyiaj ntau tshaj ib ruble.

5. Siv daim credit card ua ke nrog daim debit card

Yog tias koj siv daim npav rho nyiaj hauv tandem nrog daim debit card, koj tuaj yeem khwv tau nyiaj ntawm lub txhab nyiaj. Nws ua haujlwm zoo li no. Koj cov nyiaj hli yog nyob ntawm daim debit card nrog cov paj laum ntawm qhov nyiaj tshuav (xws li tso nyiaj hauv tuam txhab nyiaj), thiab hauv khw muag khoom koj them nrog daim npav rho nyiaj. Thaum lub sijhawm tsis muaj paj laum xaus, koj them koj cov nuj nqis credit card. Koj cov txiaj ntsig yog feem pua ntawm koj cov nyiaj hli thiab credit card nyiaj tshwj xeeb. Dab tsi ntawm cov nyiaj tshwj xeeb peb yuav qhia koj me ntsis ntxiv.

Yog tias koj txiav txim siab muab nws sim, xyuas kom tseeb tias daim debit card them cov paj laum ntawm qhov nyiaj tshuav. Piv txwv li, nrog ib daim npav Tinkoff Black, koj tuaj yeem khwv tau txog li 5% ib xyoos twg ntawm koj tus lej nyiaj tshuav.

6. Tau txais nyiaj tshwj xeeb thiab pauv lawv rau cov nyiaj

Txhawm rau nyiam cov neeg siv khoom, cov tsev txhab nyiaj siv cov kev pabcuam loyalty. Piv txwv li, nyiaj tshwj xeeb yog muab rau kev yuav khoom: mais, ntsiab lus, pluses. Cov npav sib txawv muaj cov kev pab cuam sib txawv.

Nrog Tinkoff Platinum credit card, 1% ntawm tag nrho cov kev yuav khoom yuav raug xa rov qab rau hauv daim ntawv ntawm cov ntsiab lus. Lawv tuaj yeem them nyiaj rau kev siv hauv khw noj mov thiab cafes lossis yuav daim pib tsheb ciav hlau. Ib qho piv txwv yog ib ruble. Sau cov ntsiab lus thiab xa nyiaj rov qab rau koj tus account.

Hauv daim ntawv teev cov nuj nqis, xaiv qhov kev yuav khoom ntawm lub tsev noj mov. Them rau nws nrog cov ntsiab lus sau rau ntawm daim npav rho nyiaj: cov nyiaj tshwj xeeb yuav raug sau tawm, thiab cov nyiaj yuav raug muab tso rau hauv tus account

Ntawm qee qhov kev yuav khoom nrog Tinkoff Platinum daim npav, koj tuaj yeem txuag tau txog 30% ntawm tus nqi. Cov ntsiab lus nyiam yog muab los ntawm lub txhab nyiaj cov neeg koom tes: nrov network thiab cov khw muag khoom hauv online, cov kev pabcuam hauv online thiab cov neeg ncig xyuas. Yuav cov tshuaj pleev ib ce, khaub ncaws thiab khau, them rau cov chav kawm, phau ntawv flights - thiab ib feem ntawm cov nqi yuav raug xa rov qab rau koj tus account hauv daim ntawv ntawm cov ntsiab lus.

Ib daim credit card zoo tuaj yeem ua tau nyiaj.

Khwv tau nrog Tinkoff Platinum

• Cov nyiaj tshwj xeeb los ntawm 1 txog 30% rau kev yuav khoom. Yuav siv tau rau noj su ntawm lub tsev noj mov.
• Lub sijhawm tsis muaj paj laum yog txog 55 hnub. Kev pabcuam - 590 rubles ib xyoo.
• Free top-up. Yooj yim tus account tus kheej thiab daim ntawv thov mobile.
• Daim npav tuaj yeem siv los them rov qab qiv nyiaj ntawm lwm lub txhab nyiaj. Tom qab ntawd lub sijhawm tsis muaj paj laum yuav nce mus rau 120 hnub, thiab tsis muaj nyiaj them rau kev hloov pauv.

Cov neeg nyeem Lifehacker tuaj yeem thov rau Tinkoff Platinum daim npav nrog tus qauv tsim tshwj xeeb thiab cov ntsiab lus nyiam. Tsis pub dhau peb lub hlis, rov qab 20% los ntawm kev yuav khoom hauv pawg "Books", "Electronics", "Restaurants". Thiab tseem nyob rau hauv ib txheej tshwj xeeb Lifehacker stickers!