Ikhadi lesikweletu liyisimiso namuhla. Iningi lamabhizinisi (izitolo, izindawo zokudlela kanye nezindawo zokudlela) liyakwamukela njengendlela yokukhokha. Asisahambi siphethe ukheshi emaphaketheni ethu, kodwa kunekhadi ezikhwameni zethu. Amabhange abe esebeka itholakale kumalungu abo amakhadi akhethekile okuthiwa amakhadi ezinkampani. Ikhadi lebhange lamazwe ngamazwe elisekela amaphrojekthi endawo.

Ikhadi lebhizinisi, liyini?

Ikhadi lebhizinisi lifana nekhadi lakudala elivumela umnikazi walo ukuthi akhiphe imali kuma-ATM. Kodwa-ke, ikhadi lebhizinisi liyinketho ekhethwa ngabathile sebenzisa izinzuzo ezithile ezithile (usizo oluhlukahlukene kanye nezinkonzo zomshwalense).

I-Credit Agricole, njengawo wonke amabhange, inikeza amakhadi amalungu anezinzuzo namalungelo angaphezu kokuba nekhadi lasebhange.

Izilinganiso ezincishisiwe zokuvakashela ezikhumbuzo zamalungu

Ngenxa yesivumelwano esasayinwa ngo-2011, abanikazi bekhadi lelungu le-Credit Agricole bangazuza amanani akhethekile kwezinye zezikhumbuzo zezwe. Isivumelwano sisanda kuvuselelwa iminyaka emithathu: kuyithuba lokuthola izindawo ezinelungelo kulo lonke elaseFrance.

Njengelungu le-Credit Agricole, ungabamba iqhaza ekuthathweni kwezinqumo kwebhange, kodwa hhayi kuphela! Kuphinde kube yithuba lokuzuza ezinzuzweni eziqondile kakhulu. I-Credit Agricole ikuvumela ukuthi uzuze amanani ancishisiwe kanye nezinzuzo eziningi ezikhethekile ngokwethula ikhadi lakho lobulungu kozakwethu.

Ungazuza kokunikezwayo endaweni yangakini nakuzo zonke izindawo: isiko, ezemidlalo, umculo, ezokuvakasha, njll.

I-Credit Agricole isanda kuvuselela isivumelwano esasayinwa ngo-2011 ne-Center du Monument National esizonikeza amanani eqembu amalungu etshe lesikhumbuzo, ixhaswe yi-Crédit Agricole Foundation.

Izikhumbuzo ezithintekayo yilezi:

  • i-Château d'Angers (€6,50 esikhundleni sika-€8,50);
  • iPalais de Tau eReims (€6 esikhundleni sika-€7,50);
  • indlu kaGeorge Sand eNohant (€6 esikhundleni sika-€7,50);
  • owase-Austrian ku-La Turbie Gustus Trophy (€4,50 esikhundleni sika-€5,50).

Kusukela entwasahlobo ka-2013, lesi sipho sinwetshelwe e-Château de Champs-sur-Marne, exhaswe yi-Crédit Agricole, esavulekele umphakathi.

Sekuyiminyaka engaphezu kwamashumi amathathu, i-Crédit Agricole Pays de France Foundation, kanye ne-Crédit Agricole Regional Bank, ibambe iqhaza ukubuyiselwa kanye nokuthuthukiswa kwamagugu. Njengoba iqashelwa njengensiza yomphakathi, inhloso yayo iwukusekela izinhlelo ezenza amagugu abe yisisusa sangempela sokuthuthukiswa komnotho esifundeni.

Izinzuzo zamalungu

Ziningi izinzuzo zokuba yilungu. Ngaphezu kwezinzuzo zakudala zanoma yiliphi ikhadi lasebhange, okungukuthi: ukukhokha okusheshayo nakwamanye amazwe, ukuhoxiswa kwemali kalula nganoma yisiphi isikhathi, kanye nosizo oluhlukahlukene kanye nezinsizakalo zomshuwalense.

Ikhadi lelungu le-Credit Agricole liphinde linikeze amanye amalungelo kubanikazi balo:

  • ikhadi lebhizinisi: ngokulisebenzisa, ubamba iqhaza ekuthuthukisweni kwesifunda sakho. Ngenkokhelo ngayinye, i-Credit Agricole izonikela ngo-1 cent esikhwameni esihloselwe ukusekela imizamo yasendaweni futhi i-1 Tooket izonikelwa kuwe, ongakwazi ukuyisabalalisa kabusha enhlanganweni eyodwa noma ngaphezulu ozikhethele yona;
  • i-akhawunti yokonga yamalungu: i-akhawunti yokonga ebekelwe amakhasimende angamalungu, ewusizo endaweni;
  • uhlelo lokwethembeka: izaphulelo nezinhlelo ezithile zokunikezwa kwemikhiqizo, ezivumeleke wena noma obathandayo;
  • inzuzo engeyona eyebhange ukuzuza ekungenweni okuncishisiwe kumamnyuziyamu, imibukiso, njll. Unyaka wonke;
  • umenywe emhlanganweni omkhulu webhange lendawo: isikhashana sokushintshisana phakathi kwamalungu nebhange, kanye nokuhlangana phakathi kwezinhlangano nezingcweti zendawo;
  • izimemo zemicimbi eqondile ehlelwa yibhange noma ozakwethu balo unyaka wonke.

Kufanele futhi wazi ukuthi uma unekhadi lenkampani, uzothathwa njengelungu elisebenzayo. Ilungu elisebenzayo linethuba lokwazi zonke izindaba eziphathelene nebhange lakhe (inzuzo, abaphathi, njll.) futhi likwazi ukuzwakalisa umbono walo.

Ngaphezu kwalokho, ungakwazi ukuhlangana nabaholi minyaka yonke futhi uthola isinxephezelo esihlobene nokulingana esincike kakhulu ekusebenzeni kwaminyaka yonke kwebhange lakho.