{"id":30454,"date":"2025-02-21T13:37:16","date_gmt":"2025-02-21T13:37:16","guid":{"rendered":"https:\/\/tikmobiles.com\/?p=30454"},"modified":"2026-09-08T16:51:15","modified_gmt":"2026-09-08T16:51:15","slug":"moketi-saskaitas-dalimis-mobiliuoju-telefonu","status":"publish","type":"post","link":"https:\/\/tikmobiles.com\/lt\/parcelar-boleto-pelo-celular\/","title":{"rendered":"S\u0105skait\u0173 apmok\u0117jimas dalimis mobiliuoju telefonu: kurios program\u0117l\u0117s tai leid\u017eia ir kiek pal\u016bkan\u0173 reikia mok\u0117ti?"},"content":{"rendered":"<p>S\u0105skaitos mok\u0117jimas dalimis padidina pradin\u0119 sum\u0105. Kaip matematinis pavyzdys, R$ 300, finansuojama 12 \u012fmok\u0173 hipotetine 3,99% per m\u0117nes\u012f norma, sudaro ma\u017edaug 31,95 R$ u\u017e \u012fmok\u0105, prie\u0161 kitus mokes\u010dius. Tai n\u0117ra jokios program\u0117l\u0117s pasi\u016blymas: j\u016bs\u0173 operacijos ekrane tur\u0117t\u0173 b\u016bti rodoma faktin\u0117 bendra mok\u0117tina suma.<\/p>\n<p>Tai numeris, kurio jokia program\u0117l\u0117 neprideda prie skambu\u010dio, bet visi jie rodo j\u012f patvirtinimo ekrane. Patikrinau oficialias \u201eRecargaPay\u201c, \u201eMercado Pago\u201c, \u201ePagBank\u201c, \u201ePicPay\u201c ir \u201eNubank\u201c svetaines, kad su\u017eino\u010diau, kaip kiekvienas i\u0161 j\u0173 apmokestina, kiek \u012fmok\u0173 si\u016blo ir ar priima kit\u0173 bank\u0173 korteles.<\/p>\n<p>S\u0105skaitos mok\u0117jimas dalimis gali b\u016bti vienkartinis pasirinkimas, ta\u010diau reikia patikrinti kain\u0105, apdorojimo laik\u0105 ir savo galimybes apmok\u0117ti b\u016bsimas s\u0105skaitas. Patvirtinta operacija negarantuoja, kad jau vykdoma paslauga nebus sustabdyta. Jei kyla skubus klausimas, susisiekite su kreditoriumi ir palyginkite persvarstymo galimybes prie\u0161 prisiimdami nauj\u0105 \u012fsipareigojim\u0105.<\/p>\n<h2>Kas nutinka, kai s\u0105skait\u0105 apmokate dalimis naudodami program\u0117l\u0119?<\/h2>\n<p>Program\u0117l\u0117 i\u0161 anksto apmoka s\u0105skait\u0105 kortel\u0117s i\u0161dav\u0117jui (elektros energijos bendrovei, mokyklai, parduotuvei) ir nuskaito sum\u0105 i\u0161 j\u016bs\u0173 kredito kortel\u0117s. Kreditorius gauna vis\u0105 sum\u0105 i\u0161 karto ir net ne\u017eino, kad pasirinkote mok\u0117ti dalimis. Tada kredito korteli\u0173 bendrov\u0117 tampa j\u016bs\u0173 kreditoriumi.<\/p>\n<p>Mok\u0117jimai dalimis yra per program\u0117l\u0119 sudaromas sandoris, kuriam taikoma sutartis, atsi\u017evelgiant \u012f tinkamum\u0105, kredito limit\u0105, mokes\u010dius ir apdorojimo laik\u0105. Reikalingas kredito limitas gali apimti i\u0161laidas, vir\u0161ijan\u010dias pradin\u0119 sum\u0105. Patikrinkite, ar yra finansini\u0173 sandori\u0173 mokestis (IOF) ir kaip jis buvo apskai\u010diuotas; neprid\u0117kite savo \u012fvertinim\u0173 prie bendros sumos, kurioje jau yra mokestis. Patvirtinimas program\u0117l\u0117je taip pat negarantuoja, kad i\u0161dav\u0117jas i\u0161 karto sumok\u0117s.<\/p>\n<h2>Kiek tai kainuoja: program\u0117l\u0117s mokestis, m\u0117nesin\u0117s pal\u016bkanos ir IOF (Brazilijos finansini\u0173 sandori\u0173 mokestis).<\/h2>\n<p>Galutin\u0117 kaina susideda i\u0161 trij\u0173 sluoksni\u0173, ir program\u0117l\u0117 juos visus susumuoja prie\u0161 jums patvirtinant:<\/p>\n<ul>\n<li><strong>Paslaugos mokestis<\/strong> U\u017e kortel\u0117s naudojim\u0105 mokestis imamas net ir u\u017e atsiskaitymus grynaisiais pinigais. \u201eRecargaPay\u201c sistemoje jis yra 3,99% su \u201eApple Pay\u201c, \u201eGoogle Pay\u201c arba \u201eRecargaPay\u201c kortele ir 4,99% su kitomis kortel\u0117mis; \u201eMercado Pago\u201c nurodo, kad \u201eboleto\u201c suma svyruoja nuo 3,99% iki 6,49%.<\/li>\n<li><strong>Pal\u016bkanos dalimis<\/strong>, \u0160ie mokes\u010diai imami kas m\u0117nes\u012f nuo likusios sumos. \u201eMercado Pago\u201c nurodo, kad jie prasideda nuo ma\u017edaug 3,991 TP3T per m\u0117nes\u012f; \u201eRecargaPay\u201c nurodo 4,141 TP3T per 3 \u012fmokas, 3,051 TP3T per 6, 2,671 TP3T per 10 ir 2,081 TP3T per 12. \u201ePagBank\u201c, \u201ePicPay\u201c ir \u201eNubank\u201c mokest\u012f rodo tik program\u0117l\u0117s simuliacijoje.<\/li>\n<li><strong>IOF:<\/strong> Jei taikoma, patikrinkite sandoriui nurodyt\u0105 mokest\u012f ir jo mok\u0117jimo dat\u0105. Skai\u010diavimas gali priklausyti nuo kredito dat\u0173 ir strukt\u016bros. Reglamentus galite rasti adresu [nuoroda \u012f atitinkam\u0105 dokument\u0105 \/ skyri\u0173]. <a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/_ato2007-2010\/2007\/decreto\/d6306.htm\">6.306 dekretas ir jo pakeitimai<\/a>; Nor\u0117dami palyginti i\u0161laidas, naudokite oficiali\u0105 pasi\u016blymo vert\u0119.<\/li>\n<\/ul>\n<p>\u0160is paketas apibendrinamas bendromis efektyviomis s\u0105naudomis (BES), kurias Nacionalin\u0117 pinig\u0173 taryba reikalauja atskleisti asmenin\u0117ms paskoloms. \u012e jas jau \u012fskai\u010diuotos pal\u016bkanos, mokes\u010diai ir rinkliavos, i\u0161reik\u0161tos metiniu procentiniu dyd\u017eiu, ir tai yra skai\u010dius, kur\u012f reikia palyginti su mok\u0117jimais s\u0105skaitoje esan\u010diais pinigais.<\/p>\n<h3>R$ 300 s\u0105skaita fakt\u016bra kepyklos s\u0105skaitoje.<\/h3>\n<p>Pavyzdyje naudojamas hipotetinis 3,991 TP3T m\u0117nesinis tarifas ir lygios \u012fmokos, naudojant kainos formul\u0119. \u017demiau pateiktos vert\u0117s padeda vizualizuoti termino poveik\u012f, neparodant komercinio pasi\u016blymo. Finansini\u0173 operacij\u0173 mokestis (IOF), mokes\u010diai ir atsiskaitymo b\u016bdas priklauso nuo operacijos ir tur\u0117t\u0173 b\u016bti \u012fskaityti programos pateiktoje bendroje sumoje:<\/p>\n<ul>\n<li>Grynaisiais pinigais mok\u0117jimas \u201ePix\u201c, debeto kortele arba s\u0105skaitos liku\u010diu: R$ 300,00.<\/li>\n<li>Mok\u0117tina kortele su 4,99% aptarnavimo mokes\u010diu: 314,97 R$.<\/li>\n<li>6 \u012fmokomis: 6 \u012fmokos po 57,21 R$, i\u0161 viso 343,26 R$, neatskai\u010dius taikom\u0173 mokes\u010di\u0173 ir rinkliav\u0173.<\/li>\n<li>12 \u012fmok\u0173: 12 \u012fmok\u0173 po 31,95 R$, i\u0161 viso 383,40 R$, neatskai\u010dius taikom\u0173 mokes\u010di\u0173 ir rinkliav\u0173.<\/li>\n<\/ul>\n<p>Ma\u017ea \u012fmoka gali nusl\u0117pti didesn\u0119 bendr\u0105 sum\u0105. Pavyzdyje bendra \u012fmok\u0173 suma yra ma\u017edaug 83,40 R$ didesn\u0117 u\u017e pagrindin\u0119 sum\u0105, neatskai\u010dius mokes\u010di\u0173 ir rinkliav\u0173. Palyginkite faktin\u0119 rodom\u0105 bendr\u0105 operacijos sum\u0105 ir patvirtinkite, kad mokes\u010diai jau \u012ftraukti, vengdami j\u0173 skai\u010diavimo du kartus.<\/p>\n<h2>Kaip apmok\u0117ti s\u0105skait\u0105 dalimis naudojant program\u0117l\u0119, \u017eingsnis po \u017eingsnio.<\/h2>\n<p>Kelias visose penkiose programose yra tas pats, tik meniu pavadinimai \u0161iek tiek skiriasi:<\/p>\n<ol>\n<li>Atidarykite program\u0117l\u0119 ir palieskite \u201cMok\u0117ti\u201d. \u201cPagBank\u201d meniu yra \u201cApmok\u0117ti s\u0105skaitas\u201d; \u201eMercado Pago\u201c \u2013 \u201eS\u0105skaitos ir mokes\u010diai\u201c; \u201eNubank\u201c \u2013 \u201eApmok\u0117ti s\u0105skait\u0105 kreditine kortele\u201c.<\/li>\n<li>Nukreipkite kamer\u0105 \u012f br\u016bk\u0161nin\u012f kod\u0105 arba \u012fveskite skai\u010dius eilut\u0117je. Program\u0117l\u0117je rodomas i\u0161dav\u0117jas, suma ir mok\u0117jimo data; patikrinkite visus tris.<\/li>\n<li>Pasirinkite mok\u0117jimo kortel\u0119 kaip mok\u0117jimo b\u016bd\u0105. \u201eRecargaPay\u201c, \u201ePagBank\u201c ir \u201ePicPay\u201c priima kit\u0173 \u012fstaig\u0173 korteles; \u201eNubank\u201c priima tik \u201eNubank\u201c korteles.<\/li>\n<li>Pasirinkite \u012fmok\u0173 skai\u010di\u0173. \u0160iame ekrane rodoma kiekvienos \u012fmokos vert\u0117, bendra suma, m\u0117nesio pal\u016bkan\u0173 norma, finansini\u0173 sandori\u0173 mokestis (IOF) ir bendros efektyviosios i\u0161laidos (CET).<\/li>\n<li>Patvirtinkite naudodami slapta\u017eod\u012f arba biometrinius duomenis ir i\u0161saugokite kvit\u0105. Atnaujinimas i\u0161davusiame banke gali u\u017etrukti kelias darbo dienas; nelaukite iki nustatytos datos.<\/li>\n<\/ol>\n<h2>Kurios program\u0117l\u0117s leid\u017eia mok\u0117ti s\u0105skaitas dalimis kreditine kortele?<\/h2>\n<p>Penkios toliau i\u0161vardytos funkcijos yra \u201eGoogle Play\u201c parduotuv\u0117je, o j\u0173 pagalbos centre arba oficialiame tinklara\u0161tyje apra\u0161omos j\u0173 funkcijos. \u012ekaini\u0173 stulpelyje rodoma tik tai, k\u0105 skelbia kiekviena \u012fmon\u0117.<\/p>\n<table>\n<thead>\n<tr>\n<th>Program\u0117l\u0117<\/th>\n<th>Maksimalus siuntini\u0173 skai\u010dius<\/th>\n<th>Kortel\u0117 i\u0161 kito banko<\/th>\n<th>Paskelbta norma<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u201eRecargaPay\u201c<\/td>\n<td>18 \u012fmok\u0173 su \u201eApple Pay\u201c arba \u201eGoogle Pay\u201c; 12 \u012fmok\u0173 su kitomis kortel\u0117mis.<\/td>\n<td>Taip<\/td>\n<td>Grynaisiais pinigais mokama kaina nuo 3,991 TP3T iki 4,991 TP3T; pal\u016bkanos nuo 2,081 TP3T iki 4,141 TP3T per m\u0117nes\u012f.<\/td>\n<\/tr>\n<tr>\n<td>Pago turgus<\/td>\n<td>12x<\/td>\n<td>Neinformuotas<\/td>\n<td>3,991 TP3T\u20136,491 TP3T aptarnavimo mokestis; pal\u016bkanos nuo 3,991 TP3T per m\u0117nes\u012f.<\/td>\n<\/tr>\n<tr>\n<td>PagBank<\/td>\n<td>12x<\/td>\n<td>Taip<\/td>\n<td>Tik simuliacijoje.<\/td>\n<\/tr>\n<tr>\n<td>PicPay<\/td>\n<td>Tik simuliacijoje.<\/td>\n<td>Taip<\/td>\n<td>Tik simuliacijoje.<\/td>\n<\/tr>\n<tr>\n<td>Nubankas<\/td>\n<td>12x<\/td>\n<td>Ne, tik \u201eNubank\u201c kortel\u0117.<\/td>\n<td>Tik simuliacijoje.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>\u201eRecargaPay\u201c: iki 18 \u012fmok\u0173 ir vie\u0161\u0173j\u0173 pal\u016bkan\u0173 norm\u0173 lentel\u0117.<\/h3>\n<p>Tai vienintelis i\u0161 penki\u0173, kuris s\u0105skait\u0173 apmok\u0117jimo puslapyje skelbia vis\u0105 pal\u016bkan\u0173 norm\u0173 lentel\u0119, ir vienintelis, si\u016blantis iki 18 \u012fmok\u0173, jei kortel\u0117 yra \u201eApple Pay\u201c arba \u201eGoogle Pay\u201c; \u012fvedus skai\u010di\u0173, limitas yra 12. Jis priima \u201eVisa\u201c, \u201eMastercard\u201c, \u201eElo\u201c, \u201eHipercard\u201c ir \u201eAmerican Express\u201c i\u0161 bet kurio banko, o suma, rodoma prie\u0161 patvirtinim\u0105, jau apima IOF (finansini\u0173 operacij\u0173 mokest\u012f) ir mokes\u010dius.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/8xuk94KqShAoDd3k7HZtCXPj1vDXS9XDS44hotCsdS-za-O7orHv2Wt3ILQ-5eDjyBL51mATNrxtxKfS3UTGIbw\" alt=\"\u201eRecargaPay\u201c: \u201ePix\u201c kortel\u0117s ir s\u0105skaitos logotipas\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">\u201eRecargaPay\u201c: \u201ePix\u201c kortel\u0117 ir s\u0105skaita<\/h3>  <span class=\"app-category\">Android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.80;\" aria-label=\"\u012evertinimas 4,8 i\u0161 5\"><\/span>  <span class=\"rating-text\">4,8<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/lt\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2F8xuk94KqShAoDd3k7HZtCXPj1vDXS9XDS44hotCsdS-za-O7orHv2Wt3ILQ-5eDjyBL51mATNrxtxKfS3UTGIbw&title=RecargaPay%3A+Pix+Cart%C3%A3o+e+Conta&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.recarga.recarga\" class=\"download-btn\" id=\"download-btn-0\" data-instance=\"1\" data-title=\"RecargaPay: Pix Cart\u00e3o e Conta\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Per\u017ei\u016br\u0117ti \u201eGoogle Play\u201c parduotuv\u0117je<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-0\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"RecargaPay: Pix Cart\u00e3o e Conta\",\n                            app_instance: 1,\n                            button_id: \"download-btn-0\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"RecargaPay: Pix Cart\u00e3o e Conta\",\n                                    app_instance: 1,\n                                    button_id: \"download-btn-0\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h3>\u201eMercado Pago\u201c: iki 12 \u012fmok\u0173, ekrane rodomas Vidurio Europos laikas.<\/h3>\n<p>Skiltyje \u201cMok\u0117jimo lapeliai ir mokes\u010diai\u201d program\u0117l\u0117 si\u016blo liku\u010dio, debeto arba kredito parinktis. Pasirink\u0119 kredit\u0105, galite pasirinkti iki 12 \u012fmok\u0173 ir matyti kiekvienos i\u0161 j\u0173 vert\u0119, \u012fskaitant paslaug\u0173 mokes\u010dius, pal\u016bkanas, finansini\u0173 operacij\u0173 mokest\u012f (IOF) ir bendras faktines i\u0161laidas (CET). Oficialiame tinklara\u0161tyje nurodomas paslaug\u0173 mokestis nuo 3,991 TP3 T iki 6,491 TP3 T, o pal\u016bkanos prasideda nuo 3,991 TP3 T per m\u0117nes\u012f, did\u0117jant kartu su \u012fmok\u0173 skai\u010diumi.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/-WB4u-r62cAEy8kImGb4-pXGcr2T-nC71c54xJO4m1aIRtKb2eI2pW_rm7AZg6tEpOL1ZTdIiozUMHgA6eZFl9Y\" alt=\"Mercado Pago: Banco skaitmeninis logotipas\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">\u201eMercado Pago\u201c: skaitmeninis bankas<\/h3>  <span class=\"app-category\">Android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.90;\" aria-label=\"\u012evertinimas 4,9 i\u0161 5\"><\/span>  <span class=\"rating-text\">4,9<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/lt\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2F-WB4u-r62cAEy8kImGb4-pXGcr2T-nC71c54xJO4m1aIRtKb2eI2pW_rm7AZg6tEpOL1ZTdIiozUMHgA6eZFl9Y&title=Mercado+Pago%3A+Banco+Digital&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.mercadopago.wallet\" class=\"download-btn\" id=\"download-btn-1\" data-instance=\"2\" data-title=\"Mercado Pago: Banco Digital\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Per\u017ei\u016br\u0117ti \u201eGoogle Play\u201c parduotuv\u0117je<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-1\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Mercado Pago: Banco Digital\",\n                            app_instance: 2,\n                            button_id: \"download-btn-1\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Mercado Pago: Banco Digital\",\n                                    app_instance: 2,\n                                    button_id: \"download-btn-1\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h3>\u201ePagBank\u201c: bet kokia kortel\u0117, iki 12 \u012fmok\u0173<\/h3>\n<p>Skiltyje \u201cApmok\u0117ti s\u0105skaitas\u201d, tada \u201cMok\u0117ti kreditine kortele\u201d, \u201ePagBank\u201c priima bet kurio banko ir i\u0161dav\u0117jo kreditines korteles, si\u016blo mok\u0117ti iki 12 \u012fmok\u0173 ir prie\u0161 patvirtinim\u0105 rodo \u012fmokos sum\u0105. Pal\u016bkan\u0173 norma n\u0117ra skelbiama u\u017e program\u0117l\u0117s rib\u0173; pagalbos centre nurodoma patikrinti modeliavim\u0105.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/X-KPLh6j19b9C0qz38_pO1lbpug_HOOwRkYaZFdrdFzMFlv2Vg1gsZ9RDjFrlUgj0LPlwSVqLVW5Q9lqJaG5aQ\" alt=\"PagBank bankas: s\u0105skaita, bakstel\u0117kite On + logotipas\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">\u201ePagBank\u201c bankas: s\u0105skaita, palieskite \u201e+\u201c.<\/h3>  <span class=\"app-category\">Android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.90;\" aria-label=\"\u012evertinimas 4,9 i\u0161 5\"><\/span>  <span class=\"rating-text\">4,9<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/lt\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2FX-KPLh6j19b9C0qz38_pO1lbpug_HOOwRkYaZFdrdFzMFlv2Vg1gsZ9RDjFrlUgj0LPlwSVqLVW5Q9lqJaG5aQ&title=Banco+PagBank%3A+Conta%2C+Tap+On+%2B&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dbr.com.uol.ps.myaccount\" class=\"download-btn\" id=\"download-btn-2\" data-instance=\"3\" data-title=\"Banco PagBank: Conta, Tap On +\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Per\u017ei\u016br\u0117ti \u201eGoogle Play\u201c parduotuv\u0117je<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-2\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Banco PagBank: Conta, Tap On +\",\n                            app_instance: 3,\n                            button_id: \"download-btn-2\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Banco PagBank: Conta, Tap On +\",\n                                    app_instance: 3,\n                                    button_id: \"download-btn-2\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h3>\u201ePicPay\u201c: bendra suma, \u012fskaitant mokest\u012f, prie\u0161 patvirtinim\u0105<\/h3>\n<p>\u201ePicPay\u201c leid\u017eia apmok\u0117ti s\u0105skaitas kreditin\u0117mis kortel\u0117mis, o j\u0173 pagalbos centras yra paprastas: gali b\u016bti taikomas mokestis, o bendra suma rodoma program\u0117l\u0117je prie\u0161 patvirtinim\u0105. Maksimalus \u012fmok\u0173 skai\u010dius ir s\u0105skaitos mokestis n\u0117ra skelbiami u\u017e program\u0117l\u0117s rib\u0173, tod\u0117l vienintelis b\u016bdas su\u017einoti kain\u0105 yra nuskaityti br\u016bk\u0161nin\u012f kod\u0105 ir patikrinti simuliacij\u0105.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/l7hUS_lVviC9sEQo5nncAZDOUq6iJkGks2F2dWwQ2spKD4CRN1lSKHzB6wjD4qWFADnkRv-VvWYvqQP9d69es-E\" alt=\"\u201ePicPay\u201c bankas: kortel\u0117, \u201ePix\u201c ir \u201e+\u201c logotipas\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">\u201ePicPay Bank\u201c: kortel\u0117s, \u201ePix\u201c ir kita<\/h3>  <span class=\"app-category\">Android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.60;\" aria-label=\"\u012evertinimas 4,6 i\u0161 5\"><\/span>  <span class=\"rating-text\">4,6<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/lt\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2Fl7hUS_lVviC9sEQo5nncAZDOUq6iJkGks2F2dWwQ2spKD4CRN1lSKHzB6wjD4qWFADnkRv-VvWYvqQP9d69es-E&title=Banco+PicPay%3A+Cart%C3%A3o%2C+Pix+e+%2B&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.picpay\" class=\"download-btn\" id=\"download-btn-3\" data-instance=\"4\" data-title=\"Banco PicPay: Cart\u00e3o, Pix e +\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Per\u017ei\u016br\u0117ti \u201eGoogle Play\u201c parduotuv\u0117je<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-3\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Banco PicPay: Cart\u00e3o, Pix e +\",\n                            app_instance: 4,\n                            button_id: \"download-btn-3\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Banco PicPay: Cart\u00e3o, Pix e +\",\n                                    app_instance: 4,\n                                    button_id: \"download-btn-3\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h3>\u201eNubank\u201c: tik su \u201eNubank\u201c kortele, nuo 1 iki 12 \u012fmok\u0173.<\/h3>\n<p>\u201cNubank\u201d program\u0117l\u0117je pasirinkite \u201eMok\u0117ti\u201c, tada \u201eApmok\u0117ti s\u0105skait\u0105 kreditine kortele\u201c. Mok\u0117jimas dalimis gali b\u016bti nuo 1 iki 12 \u012fmok\u0173 su pal\u016bkanomis, o prie\u0161 patvirtinant rodomas per\u017ei\u016bros ekranas su i\u0161dav\u0117ju, \u012fmok\u0173 suma, bendra suma, pal\u016bkan\u0173 norma ir finansini\u0173 operacij\u0173 mokes\u010diu (IOF). Suma bus rodoma dabartin\u0117je ir v\u0117lesn\u0117se s\u0105skaitose, o mok\u0117jimo patvirtinimas gali u\u017etrukti iki trij\u0173 darbo dien\u0173.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/FP6PILGwB6hrdvwg_mE8H1MKi2AcRDbHJcdg7WMfjiHbs4-ZZhYSMtgibkpeakstu1UeNHL4TGCo1l0mV2qkQa4\" alt=\"\u201eNubank\u201c: s\u0105skaita, kortel\u0117 ir kita logotipas\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">\u201eNubank\u201c: s\u0105skaita, kortel\u0117 ir kita<\/h3>  <span class=\"app-category\">Android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.80;\" aria-label=\"\u012evertinimas 4,8 i\u0161 5\"><\/span>  <span class=\"rating-text\">4,8<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/lt\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2FFP6PILGwB6hrdvwg_mE8H1MKi2AcRDbHJcdg7WMfjiHbs4-ZZhYSMtgibkpeakstu1UeNHL4TGCo1l0mV2qkQa4&title=Nubank%3A+conta%2C+cart%C3%A3o+e+mais&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.nu.production\" class=\"download-btn\" id=\"download-btn-4\" data-instance=\"5\" data-title=\"Nubank: conta, cart\u00e3o e mais\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Per\u017ei\u016br\u0117ti \u201eGoogle Play\u201c parduotuv\u0117je<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-4\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Nubank: conta, cart\u00e3o e mais\",\n                            app_instance: 5,\n                            button_id: \"download-btn-4\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Nubank: conta, cart\u00e3o e mais\",\n                                    app_instance: 5,\n                                    button_id: \"download-btn-4\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h2>K\u0105 j\u016bs\u0173 bankas jau teikia nemokamai<\/h2>\n<p>Prie\u0161 naudodamiesi kreditu, patikrinkite savo s\u0105skaitos likut\u012f, suplanuokite mok\u0117jimus ir tiesiogiai su kreditoriumi susitarkite d\u0117l mok\u0117jimo termino. N\u0117ra garantijos, kad dat\u0105 galima pakeisti be joki\u0173 i\u0161laid\u0173. Jei s\u0105skaita jau neapmok\u0117ta, papra\u0161ykite atnaujintos sumos ir patikrinkite v\u0117lavimo pasekmes, ypa\u010d tais atvejais, kai paslaugos teikiamos b\u016btiniausiomis s\u0105lygomis arba sutartys su u\u017estatu.<\/p>\n<p>Pav\u0117luoto mok\u0117jimo kaina priklauso nuo sutarties ir prievol\u0117s pob\u016bd\u017eio. Vartotoj\u0173 teisi\u0173 apsaugos kodeksas (CDC) riboja pav\u0117luoto mok\u0117jimo baudas 52 straipsnyje numatytose situacijose, ta\u010diau tai nepanaikina pal\u016bkan\u0173 ar kit\u0173 taikytin\u0173 pasekmi\u0173. Palyginkite kreditoriaus oficial\u0173 pasi\u016blym\u0105 su \u012fmok\u0173 kaina, nemanydami, kad atid\u0117jimas keliomis dienomis visada bus pigiausias ar saugiausias variantas.<\/p>\n<p>Venkite mok\u0117ti s\u0105skait\u0105 kreditan neplanuodami b\u016bsim\u0173 mok\u0117jim\u0173. Jei s\u0105skaita perkeliama \u012f apyvartin\u012f kredit\u0105, atsiranda kita paskola su savo i\u0161laidomis. \u012estatymin\u0117 pal\u016bkan\u0173 ir mokes\u010di\u0173 u\u017e apyvartin\u012f kredit\u0105 bei mok\u0117jimus dalimis riba nepaver\u010dia brangios kredito tvariu sprendimu. Palyginkite bendr\u0105 sandorio kain\u0105 ir savo turimas pajamas, atskai\u010dius b\u016btiniausias i\u0161laidas.<\/p>\n<p>Tie, kurie turi s\u0105skaitas daugiau nei viename banke, gali pasitikrinti, kuris i\u0161 j\u0173 taiko ma\u017eiausius mokes\u010dius; <a href=\"https:\/\/tikmobiles.com\/lt\/geriausios-skaitmeniniu-banku-programeles\/\">Skaitmenini\u0173 bank\u0173, si\u016blan\u010di\u0173 nemokamas s\u0105skaitas ir korteles be metinio mokes\u010dio, palyginimas.<\/a> Tai rodo, k\u0105 kiekviena programa si\u016blo be joki\u0173 mokes\u010di\u0173.<\/p>\n<h2>Kada prasminga s\u0105skait\u0105 mok\u0117ti dalimis?<\/h2>\n<p>Etaloninis rodiklis yra pav\u0117luot\u0173 mok\u0117jim\u0173 kaina. Kai pav\u0117luoti mok\u0117jimai kainuoja daugiau nei pal\u016bkanos u\u017e \u012fmokas, program\u0117l\u0117 atsiperka. \u012e \u0161i\u0105 kategorij\u0105 patenka trys situacijos:<\/p>\n<ul>\n<li><strong>Esmini\u0173 paslaug\u0173 nutraukimas.<\/strong> Pagal ANEEL 1000 rezoliucij\u0105, energijos tiek\u0117jas, prie\u0161 nutraukdamas tiekim\u0105 d\u0117l nesumok\u0117to skolos, privalo apie tai prane\u0161ti likus 15 dien\u0173, nenutraukti tiekimo penktadieniais, \u0161e\u0161tadieniais, sekmadieniais ar \u0161ven\u010di\u0173 dienomis ir miesto teritorijose atnaujinti tiekim\u0105 per 24 valandas; taisykl\u0117s pateikiamos interneto svetain\u0117je. <a href=\"https:\/\/www.gov.br\/aneel\/pt-br\/consumidores\/como-resolver\">Kaip i\u0161spr\u0119sti<\/a> I\u0161 agent\u016bros. Jei prane\u0161imas jau atkeliavo, o pinigai atkeliauja tik kit\u0105 m\u0117nes\u012f, dvylika \u012fmok\u0173 kainuoja ma\u017eiau nei dienos be elektros.<\/li>\n<li><strong>Neigiamas kredito reitingas.<\/strong> S\u0105skaitos u\u017e parduotuves, mokyklas ir sveikatos draudimo planus patenka \u012f nemokan\u010di\u0173j\u0173 registr\u0105 po mok\u0117jimo termino, o neigiama kredito istorija m\u0117nesiams blokuoja prieig\u0105 prie kredito, finansavimo ir nuomos.<\/li>\n<li><strong>Avarin\u0117 situacija su data.<\/strong> Automobilio remontas, vaistai, registracijos terminas. S\u0105skaita turi vien\u0105 mok\u0117jimo dat\u0105, atlyginimas \u2013 kit\u0105, o program\u0117l\u0117 padengia skirtum\u0105.<\/li>\n<\/ul>\n<p>Tai neapsimoka trimis kitais atvejais: s\u0105skaita, d\u0117l kurios kreditorius sutinka i\u0161 naujo der\u0117tis (mokyklos, daugiabu\u010diai ir operatoriai si\u016blo mok\u0117jimo dalimis planus tiesiogiai, kai to papra\u0161ote, paprastai su ma\u017eesn\u0117mis pal\u016bkan\u0173 normomis), s\u0105skaita i\u0161 kitos kredito kortel\u0117s (brangi skola i\u0161keista \u012f kit\u0105 brangi\u0105 skol\u0105 su prid\u0117tomis pal\u016bkanomis) ir sena skola i\u0161ie\u0161koma, d\u0117l kurios derybose taikoma nuolaida. \u0160iais atvejais... <a href=\"https:\/\/tikmobiles.com\/lt\/skolu-kontroles-programeles\/\">Program\u0117li\u0173, skirt\u0173 skol\u0173 \u017eem\u0117lapiams sudaryti ir der\u0117tis d\u0117l skol\u0173 mobiliuoju telefonu, vadovas.<\/a> Tai kelias prie\u0161 kort\u0105.<\/p>\n<h2>Da\u017enos klaidos, d\u0117l kuri\u0173 padid\u0117ja \u012fmok\u0173 kaina.<\/h2>\n<ul>\n<li><strong>\u017di\u016br\u0117k \u012f porcij\u0105, o ne \u012f bendr\u0105 kiek\u012f.<\/strong> Patvirtinimo ekrane rodomi abu; bendra suma yra ta, kuri\u0105 mokate.<\/li>\n<li><strong>Mok\u0117kite dalimis mok\u0117jimo dien\u0105 ir gaukite i\u0161 karto patvirtinim\u0105.<\/strong> Kompensacija mokama pagal \u012fprast\u0105 mok\u0117jimo kvito laikotarp\u012f, o elektros energijos tiekimo nutraukimai nelaukia program\u0117l\u0117s.<\/li>\n<li><strong>Pasirinkimas 12 kart\u0173 i\u0161 \u012fpro\u010dio.<\/strong> Mok\u0117jimo kvitas u\u017e R$ 300, mokamas 3 \u012fmokomis, kainuoja tik dal\u012f 12 pal\u016bkan\u0173; pasirinkite ma\u017eiausi\u0105 \u012fmok\u0173 skai\u010di\u0173, telpant\u012f per m\u0117nes\u012f.<\/li>\n<li><strong>Sud\u0117kite \u012fmokas.<\/strong> Trys mok\u0117jimo kvitai, padalinti \u012f \u012fmokas per i\u0161 eil\u0117s einan\u010dius m\u0117nesius, sudaro vien\u0105 s\u0105skait\u0105, kuri nesubalansuota, nes kiekviena i\u0161 j\u0173 sunaudoja kredit\u0105 ir kaupia savo pal\u016bkanas.<\/li>\n<\/ul>\n<p>Prie\u0161nuodis susikaupusioms \u012fmokoms yra biud\u017eetas, kuriame atsi\u017evelgiama \u012f b\u016bsimus mok\u0117jimus; vadovas apie <a href=\"https:\/\/tikmobiles.com\/lt\/sutaupykite-pinigu-naudodami-programeles\/\">Kaip sukurti ir laikytis m\u0117nesio biud\u017eeto naudojant program\u0117les.<\/a> Jame parodyta, kaip kiekvien\u0105 \u012fmok\u0105 registruoti tais m\u0117nesiais, kuriems ji tenka.<\/p>\n<h2>Kaip \u0161ios program\u0117l\u0117s u\u017edirba pinigus i\u0161 j\u016bs\u0173 banko kvito?<\/h2>\n<p>Pinigai i\u0161 s\u0105skaitos i\u0161eina atlyginimo dien\u0105: program\u0117l\u0117 arba j\u0105 valdanti finans\u0173 \u012fstaiga perveda sum\u0105 kreditoriui ir prisiima rizik\u0105, kad j\u016bs neapmok\u0117site s\u0105skaitos. Pajamos gaunamos i\u0161 dviej\u0173 \u0161altini\u0173: aptarnavimo mokes\u010dio, taikomo visiems, \u012fskaitant tuos, kurie vis\u0105 sum\u0105 sumoka kortele, ir pal\u016bkan\u0173 u\u017e \u012fmokas, taikom\u0173 tiems, kurie moka dalimis. Finansini\u0173 operacij\u0173 mokestis (IOF) atitenka Federalinei pajam\u0173 tarnybai; program\u0117l\u0117 j\u012f tik surenka.<\/p>\n<p>Kuo labiau program\u0117l\u0117 naudoja kredit\u0105, tuo da\u017eniau mok\u0117jimo dalimis mygtukas rodomas prie\u0161 mygtuk\u0105 \u201eApmok\u0117ti likut\u012f\u201c. Pinig\u0173 gr\u0105\u017einimas \u0161ioje ekonomikoje patenka kaip pirkimo paskata, o ne kaip nuolaida s\u0105skaitoms; nor\u0117dami suprasti, i\u0161 kur jis atsiranda, skaitykite [nuoroda \u012f atitinkamus dokumentus]. <a href=\"https:\/\/tikmobiles.com\/lt\/pinigu-grazinimo-programeles-gauna-pinigus\/\">Kur keliauja pinig\u0173 gr\u0105\u017einimas ir kiek laiko tai u\u017etrunka?<\/a>.<\/p>\n<h2>Da\u017eni klausimai<\/h2>\n<h3>Ar \u012fmanoma laiku neapmok\u0117t\u0105 s\u0105skait\u0105 sumok\u0117ti dalimis?<\/h3>\n<p>Tai priklauso nuo i\u0161dav\u0117jo. Registruoti mok\u0117jimo kvitai perskai\u010diuoja baudas ir pal\u016bkanas po mok\u0117jimo termino, o program\u0117l\u0117 rodo atnaujint\u0105 sum\u0105, kai mok\u0117jimas gr\u0105\u017einamas. Kai i\u0161dav\u0117jas neleid\u017eia atlikti mok\u0117jimo po mok\u0117jimo termino, program\u0117l\u0117 atsisako nuskaityti kvit\u0105; kreditoriaus svetain\u0117je arba program\u0117l\u0117je papra\u0161ykite dublikato ir nuskaitykite nauj\u0105 kod\u0105.<\/p>\n<h3>Ar galiu naudoti kito banko kortel\u0119?<\/h3>\n<p>\u201eRecargaPay\u201c, \u201ePagBank\u201c ir \u201ePicPay\u201c priima kit\u0173 \u012fstaig\u0173 kreditines korteles; \u201eNubank\u201c leid\u017eia mok\u0117ti s\u0105skaitas dalimis tik naudojant \u201eNubank\u201c kortel\u0119. Visais atvejais turimas kredito limitas turi padengti vis\u0105 s\u0105skaitos sum\u0105, net jei mok\u0117jimas s\u0105skaitos i\u0161ra\u0161e nurodytas dalimis.<\/p>\n<h3>Kaip s\u0105skaitoje rodomas mok\u0117jimas dalimis?<\/h3>\n<p>\u012etraukite program\u0117l\u0117s pavadinim\u0105 ir \u012fmokos numer\u012f, o ne kreditoriaus vard\u0105. I\u0161saugokite program\u0117l\u0117s kvit\u0105, kad gal\u0117tum\u0117te j\u012f susieti su s\u0105skaita, kai ji bus u\u017edaryta.<\/p>\n<h3>Ar mok\u0117jimo kvitas sumokamas i\u0161 karto?<\/h3>\n<p>Program\u0117l\u0117 patvirtina i\u0161 karto, ta\u010diau mok\u0117jimas apdorojamas pagal standartin\u012f atsiskaitymo grafik\u0105, kuris gali u\u017etrukti iki trij\u0173 darbo dien\u0173. Jei s\u0105skaitos atjungimas numatytas pagal plan\u0105, sumok\u0117kite i\u0161 anksto ir i\u0161saugokite kvit\u0105, kad gal\u0117tum\u0117te j\u012f parodyti platintojui.<\/p>\n<p>Pirmas \u017eingsnis nieko nekainuoja: atidarykite banko program\u0117l\u0119, nuskaitykite br\u016bk\u0161nin\u012f kod\u0105 ir patikrinkite, ar mok\u0117jimo kvitas atitinka j\u016bs\u0173 likut\u012f arba suplanuot\u0105 debeto s\u0105skait\u0105. Jei jis netelpa ir j\u016bs\u0173 telefonas tuoj bus i\u0161jungtas, nuskaitykite t\u0105 pat\u012f kod\u0105 savo \u012fmok\u0173 mok\u0117jimo program\u0117l\u0117je, patvirtinimo ekrane atkreipkite d\u0117mes\u012f \u012f CET (bendr\u0105 efektyvi\u0105 kain\u0105) ir pasirinkite ma\u017eiausi\u0105 \u012fmok\u0173 skai\u010di\u0173, kuris padengt\u0173 m\u0117nes\u012f.<\/p>\n<h2>Taip pat skaitykite<\/h2>\n<ul class=\"tk-leia\">\n<li><a href=\"https:\/\/tikmobiles.com\/lt\/skolu-kontroles-programeles\/\">Skol\u0173 valdymo program\u0117l\u0117s: suplanuokite savo skolas ir derat\u0117s d\u0117l j\u0173 mobiliuoju telefonu.<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/lt\/geriausios-skaitmeniniu-banku-programeles\/\">Skaitmeniniai bankai: geriausios program\u0117l\u0117s nemokamoms s\u0105skaitoms ir kortel\u0117ms be metinio mokes\u010dio<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/lt\/sutaupykite-pinigu-naudodami-programeles\/\">Taupykite pinigus naudodami program\u0117les: kaip susikurti ir laikytis m\u0117nesio biud\u017eeto<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/lt\/pinigu-grazinimo-programeles-gauna-pinigus\/\">Pinig\u0173 gr\u0105\u017einimo program\u0117l\u0117s: kur dingsta pinig\u0173 gr\u0105\u017einimas ir kiek laiko u\u017etrunka<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Parcelar um boleto acrescenta custos ao valor original. Como exemplo matem\u00e1tico, R$ 300 financiados em 12 parcelas \u00e0 taxa hipot\u00e9tica de 3,99% ao m\u00eas resultam em\u2026<\/p>","protected":false},"author":1,"featured_media":31080,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"mobile-allow":"","post-descricao":"","texto-interacao":"","bt-1":"","lk-1":"","bt-2":"","lk-2":"","bt-3":"","lk-3":"","bt-4":"","lk-4":"","_revidia_rewards_active":"","footnotes":""},"categories":[21],"tags":[],"class_list":["post-30454","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financeiro"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Parcelar boleto pelo celular: quais apps fazem e quanto custa em juros - Tik Mobiles<\/title>\n<meta name=\"description\" content=\"RecargaPay, Mercado Pago, PagBank, PicPay e Nubank pagam boleto no cart\u00e3o parcelado. 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