Ion c?rta imrothlaigh creidmheasa | cos?il coimisi?n r?ta ?is a r?omh, c?rsa? seirbh?sithe

Is T?ille bhliant?il saor in aisce, bheadh ??s? chomh maith go leor at? ag smaoineamh ar cur i bhfeidhm na "c?rta ian" a fhaightear sna Baineann na seirbh?s? ?ags?la ar an ian gach siopa.

 

i chreidmheasa imrothlaigh de tr? chine?l ?oca?ochta t? c?rsa
c?rta ian, agus t? tr? chine?l de roghn? m?id ais?oc na m?os?il "C?rsa ? B c?rsa ? C C?rsa".

 

M? t? an t-iarmh?id go dt? an spriocdh?ta 100,000 \ n? n?os l?, 5,000 \ m?id ais?oca?ocht mh?os?il airgid i gc?rsa A, 7500 \ i gc?rsa B, i gc?rsa C a bheith 10,000 \. Mar sin f?in, m? t? an t-iarmh?id n?os m? n? 100,000 \, toisc go bhfuil an m?id a ais?oc gach c?rsa ?ags?il, a ligean ar a bheith c?ramach. I chreidmheasa imrothlaigh de ch?rta ian

 

, t? a shonr? na c?rsa? thuasluaite i bhfeidhm an st?itse. Tar ?is, nuair a bheidh an c?rta siopad?ireacht, is f?idir leat ?s?id a bhaint as an modh ?oca?ochta ach in i?l an "in imrothlaigh creidmheasa."

 

An imrothlaigh creidmheasa c?rta ian tr? fheidhm
c?rta ian, t? tr? fheidhm a "seirbh?s athr? ribonucleic ? ATM imrothlaigh seirbh?se ?oca?ochta creidmheasa ?oca?ochta? creidmheasa imrothlaigh seirbh?se m?adaithe". Is "Seirbh?s athr? Ribonucleic" seirbh?s is f?idir a athr? ar an ?oca?ocht a ?s?ideadh mar chnapshuim i roithle?nach creidmheasa, is f?idir leat a phr?ise?il l?ithreach ?n su?omh oifigi?il an ch?rta ian. Is

 

"ATM seirbh?se ?oca?ochta creidmheasa imrothlaigh" seirbh?s is f?idir go n-?ocann an t-iarmh?id ar an m?id creidmheasa imrothlaigh ag am ar bith as an ATM comhionannas v?ta?-suas. I creidmheasa imrothlaigh, d'fhonn laghd? ar an iarmh?id go luath mar thoradh ar coigiltis de choimisi?n, is ? an ghn? ?ifeachtach nuair is mian leat chun laghd? ar an chaiteachas ag an oiread agus is a choimisi?n? agus is f?idir.

 

I "?oca?ochta? creidmheasa imrothlach m?adaithe seirbh?s", 1-?ocfar mh?os?il, Is f?idir leat m?ad? ar 000 \. Is d?ibh si?d ar mian leo a dh?anamh ar phlean ais?oca?ochta n?os fearr agus m?ne is mian leat an t?ille a laghd?. N?sanna imeachta Chomh maith leis an bpointe teagmh?la, is f?idir linn anois freisin as an su?omh oifigi?il an ch?rta ian.

 

chun scr?d? conas agus nuair a ?s?id N?ta?
chreidmheasa imrothlaigh an choimisi?in, beidh s? a chur ar an t?ille fhorordaithe. An rud c?anna f?or i gc?s an ch?rta ian, revolving t?ill? creidmheasa c?rta ian th?inig chun bheith ina "r?ta suntasach bliant?il de 15.0 faoin gc?ad."

 

Mar shampla, m? bh? t? ag siopad?ireacht le haghaidh c?in \ 100,000 C?rsa ar 11 Deireadh F?mhair, t?ille a r?omh de r?ir na foirmle ar "100,000 × 15% ÷ 365 l? × 23 l? = 945 \". Toisc go 23 l? t? l?on na laethanta ? 11 Deireadh F?mhair go 2 Samhain. I bhfocail eile, na dochair de 2 Samhain a bheidh, a bheith 5945 t?ille \ ?ireamh.

 

nuair is mian leat a thuiscint go h?asca ar an m?id an payout, mheas an ?s?id a bhaint as "insamhalta ais?oca?ochta creidmheasa imrothlacha" go bhfuil ar an su?omh oifigi?il an ch?rta ian. Ag dul isteach an t-iarmh?id at? ann faoi l?thair ag roghn? an c?rsa in ?s?id, beidh s? ar taispe?int l?ithreach m?ideanna ?oca?ochta eile in th?ill? folaithe.