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ocaoo oa:
  pee ceo, eoxoo cac c e ao  o opaae,
ycaoe aoa, oop  e ecace ooac. pyo
a, ae ec o e ae apo, e coe epy a eo
ay apoy, -  acoc, e oe oo ae a apoy
oce ya cooecyeo paa.
  Koopa, p oo oopx oo cac c aee aoaa,
oo yaac a eo eo ae. Ec e ycao pe
aea e yaoc,  oee ocooac aaoo aoao,
yye  oepe RU.PLASTIC.CARDS  opee aea o
apecy, o oopoy ycaoe aoa.
  Cac c ao, ceye oc cya  yo pe, 
oopoe  coee oy opao ay apoy. Ec y ac pea
 aea apoa,  oa aepaa aoao, e paea
ay-ey, ye pocao ee ece ( o peoey
opoa apoy  o cyae p "aaa" ee aoao,
ae ec o aoa aa-ea). opo pocaoe
(opo) ec apo oo peaepyec ooopo c
ao-eo apo o paceo-accoo ocya. 
oye apo a oaoc yocoepee ae oc, a
ae, epoo,  o yee aca ceaoe aee ,
oe , oe a eoope opoc  ycaoe ae
oc. Ec p  ae apo  aoaa accaoo
cyo cc, o aa apoa oea, ac oy pe 
yooo oeceoc. Ec e apoa pocpoea o opeea,
ee a, copee ceo, e epy,  a pec cac c
ao-eo, e  ye pocxo aeee papaeco o
ay aepa apo aoao.

  Coee opee ooee aoo-o co  paoe aoaa,
a a p o ea oe cya oceoc cya: c oo
copo, eoxoo o-o pep  pocaoe ec 
opae apo , c pyo copo, oo o aoaa xo  
eeoy, e  o cyae pcye cpec c e, o aoa
py ac e, paceaae a  epe apoy,  ce o
coe apa o-y ee.
  Ec oop aoaa oac  o (aoa) e oae pao
, o, copee ceo, pooe a pa exec co (ae co
cyac ooo aco), -a oopoo aa apoa ocaac 
epax ycpoca. pa co oe  apee peoo
ycpoca aoaa (ec apoa p "aaa" e coa a
o, eoxoy  ca c ee ax), opeee apo
(oo aoa aepa paaee  ee opee
apo, poaae c c poecco epo (o o oo
cooaec a oope aoaa, o e e aoa, ocoy
occaoee c oe opeoa opeeeoo pee)  pye
p.

  B o cyae, eoxoo ooa eoopoe pe - 10-15 y, -
o ycao, o aoa eceo ypa oooc
yopoa. Ec aoa ycaoe  oee aa, a
oeo: a pao,  ae eec exec epcoa,
ocya aoa  coco xo  aco pe a poe
- xo a a o-o  aoaa (ae ec o aa a
apoa) cya aa e ee paa.
  oce oo, a  ycao, o aoa e paoae, opye
ay apoy o eeoy  oe ocae e ec o
caapo poeype.


-- 12. oo  oa oyy eco apoa?

  Payeec, oo, ec  e oee oope y poaa. B e
oee oaa co oy eco ypa p cooa
ox, a e acox ee.
  Ceye oo poce, o oa cya, cocaac 
pocaex a yx ( oee) cax, a eo o,  oopy
oeaec oya.


-- 13. Kpee apo ax cce oo oy  Pocc  e
       o oac?

  Kpee apo c o pe x oaae paac oo o
cye, oopy oce oe peoca ay  ope cpaxooo
eoa o aoo epoaaoo oca, a ae cee x
pacpocpaeoc, .e. aec co ec, e apo aoo
a pac  oae.  e yy ocya  o FAQ opoocoe
pece apo Diners Club, a a oe x oaaee p
 oa-o oycc o e acoeo pyooca.
  Ba oe p popee peo apo - o a, o y
ox pocccx ao apo, pyee a pee, aec
c eeo, o oaae eoooc oye y aa
pea p cooa apo. Bce ocae oooc apoe
p o, e e eee, coxpac.
  Cpe pox o pex apoe, pyex aa Pocc,
oo e American Express, EuroCard/MasterCard  VISA. o
pacpocpaeoc EuroCard/MasterCard  VISA pacoaac a epo
ece, pae eo paec ooa. o oycoeo  ocoo e,
o poeccoe oa, aae c opaa ooop a
pe apoe  oae, peaa  oooc p
EuroCard/MasterCard  VISA a pax; American Express aae opoe
eco. Bo cex epecex apox cceax eoxoo e
oacc opopax apoe: ae apo ac oo 
opaa,  peocaee ao pe oecpyc c
paceoo cea opaa   oppyeoo  ee cpec
cpaxooo eoa. Kapo oo oacca e aae
cooeceo American Express Business, EuroCard/MasterCard Business 
VISA Business.
  Byp aoo  acco pex apoe, pyex aa,
ec oacc, paaec o ee aoo cpaxooo
eoa. pye oooc y apoe pax oacco paec
oaoe.
  B acce apoe American Express o oacc Mass  Gold,
EuroCard/MasterCard - ae Mass (y eoopx ao ooo eyea
Standard)  Gold, VISA - Classic  Gold. Cpaxoo eo y apoe
Gold o cpae c o (Classic  Mass) oe oac 
ecoo pa: apep, $2000  apoe Classic  $20000 
apoe Gold.


-- 14. Kae eeoe apo oo oy  Pocc?

  p oye eeoo apo pee ceo ceye opee
eoxo a oae aop ycy, oope  xoe  oy,
a ae pacpocpaeoc apoo cce, eo yaco
oopo  caoec. ye, ec eeoe apo, oope 
xoe oy, c eyapo: p o y ac ec oe
oooce o oae  oapo  ycy a  Pocc, a  a
pyeo.
   yppocccx eeox apox cce oo e
ceye ( aao ope):

  MostCard:  apo pyc oc-ao  oy  oce
ooo poy pacpocpaeoc. Kapoa MostCard oeceaec
oepo cce Cirrus/Maestro.

  STB-Card: apoa ocyaec poecco epo STB-Card 
pyec o ococ aa, ocoe  oopx Co
a Cepee (CC), ococ a Cepaa Pocc  p. Cyecye
popaa, pooa a CC, a   C, o oecee ococx
cyeo  peoaaee B3o apoa STB-Card  oye
ce  apa. B CC apoa STB-Card oeea c
Cirrus/Maestro.

  UnionCard: ae apo pyc o ococ aa 
oepac ae co aoao  opox oe.

  "3ooa opoa": cap-apoa, pyea eco ococ
aa   ocoo oya pae  peoax Pocc (Hoocpc,
ec  p.). Paee o apoe oo o oo oy ae
 eoopx aax oc, eao o oeo o peoaaeo
poa apoe  coe. Kapoa pacpocpaea  ceyx
opoax Pocc: Kapa, Ca-eepyp, Tep, poca, oca,
3aoe,  Hoopo, epc, Kpo, Capac, eocap, ao,
Ha, Kaa, ec, eac, ep, Haepee e, Kpacoap,
Eaepyp, a, K, Koa, ec, Te, Cypy, Opeyp,
aoopc, Tpo, Kypa, eapoc, Oc, Toc, Hoocpc,
Kpacopc, Keepoo, pac, Hooye, apay, pyc, a-,
yc, Aa, Hepp, Ta, Kocooc-a-Aype, Xaapoc,
ccypc, Baoco, Haxoa, epoaoc-Kaac; ae 
Xape (Ka). eaoca ccea "3ooa opoa" ae 120
ao-yaco; ATM-ce cce acae 70 aoao; 4500
epao pa apo  oae, ceo  opae axoc 232
c. apoe. 95% cex oepa o apoa "3ooa opoa"
pxoc a ocyae  pepx opo  cepca.

  eyapoe apo oo opeoeoa ceye:

  Cirrus/Maestro: apo, oepaee ATM-ce Cirrus 
oopeeo ocyaee aeo cceo Maestro papaoa
accoae Europay  pyc o aa Pocc. B acoee
pe x pacpocpaeoc  Pocc,  acoc,  oce  pyx
pyx opoax, pooae yeac. ocaoo poo
pacpocpaea apoa  3aao Epoe.

  VISA Electron: eeoa apoa VISA Electron papaoaa
accoae VISA  peaaea  epoo oa oapo  ycy.
 ee p  oae opoa opaa oa e epoy
aapaypy  pao c apoa (POS-aapa, epaop  p.).
Kapoa ocyaec ATM-ce VISA  Plus. Pacpocpaeoc
apoe VISA Electron  opaa, cocox p x  oae,
pooae pac. B 3aao Epoe oya pooe pacpocpaee
apy c apoa VISA cece opao oee pox oooce
o p apoe epo cocoo o cpae c Pocce.

  3aacy oe  epeex apoe pyc aa
oopeeo  oec c yppoccc apo ccea
(o acaec apoe Cirrus/Maestro).


-- 15. Hyo  eappoa acoe apo p epecee
       pa P a eee cpeca?

  Caa o cee acoa apoa e ec ee cpeco 
ooy eappoa p epecee pa P e oe. Copy
aoeo cy  cyae oapye y ac acoo apo
(apep, p o ocope) e pae peoa o ac
eappoa cy  cy, exc a ae cee  ceax 
ae, ae apoy.
  Ta opao, ecyee a aco oe opaee 
eeappyey cyy $500 p epecee pa a acoe
apo e pacpocpaec,  a pae  o pa ce co
cpeca o coey ycope.

*---- Bepc 1.3. 19 epa 1997 .

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