{"id":37702,"date":"2026-04-23T11:40:35","date_gmt":"2026-04-23T06:40:35","guid":{"rendered":"https:\/\/kommers.uz\/?p=37702"},"modified":"2026-04-23T11:40:35","modified_gmt":"2026-04-23T06:40:35","slug":"%d1%9ezbekistonda-banklar-endi-kartalardagi-mabla%d2%93larni-nolgacha-echib-ololmajdi","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=37702","title":{"rendered":"O\u02bbzbekistonda banklar endi kartalardagi mablag\u02bblarni \u201cnolgacha\u201d yechib ololmaydi"},"content":{"rendered":"<p>O\u02bbzbekistondagi banklar endi bank kartalaridan mablag\u02bblarni \u201cnolgacha\u201d yechib ololmaydi\u00a0\u2014 minimal qoldiq miqdori joriy etilmoqda.<\/p>\n<blockquote><p>Uzcard to\u02bblov tizimining\u00a0<a href=\"https:\/\/t.me\/uzcard\/2486\" target=\"_blank\" rel=\"noopener noreferrer\">xabar berishicha<\/a>, 15 apreldan boshlab moliyaviy tashkilotlar tomonidan kreditlar, muddatli to\u02bblovlar (rassrochka), mikroqarzlar va\u00a0boshqa majburiyatlar hisobiga mablag\u02bblarni akseptsiz yechib olishda kartada kamida BHMning 3 baravari miqdori (1 mln 236 ming so\u02bbm) qolishi shart.<\/p><\/blockquote>\n<p><em>Akseptsiz yechib olish\u00a0\u2014 bu\u00a0mablag\u02bblarni har bir operatsiya uchun alohida tasdiqsiz kartadan avtomatik ravishda yechib olinishi bo\u02bblib, u, odatda, banklar va\u00a0boshqa moliyaviy tashkilotlar oldidagi majburiyatlarni bajarish (masalan, kreditlar, muddatli to\u02bblov yoki mikroqarzlar bo\u02bbyicha) uchun qo\u02bbllanadi va to\u02bblov intizomining bir qismi hisoblanadi.<\/em><\/p>\n<p>Bu\u00a0shuni anglatadiki, hatto qarzdorlik mavjud bo\u02bblgan taqdirda ham, yechib olish faqat belgilangan chegaradan ortiqcha bo\u02bblgan summa doirasida amalga oshiriladi va\u00a0<strong>karta balansi nollashtirilmaydi<\/strong>. To\u02bblov tizimi ishtirokchi banklar bilan birgalikda zarur texnik yangilanishlarni allaqachon joriy etdi.<\/p>\n<p>Biroq bu qoida mijozning o\u02bbzi karta rekvizitlarini kiritib, to\u02bblovni bir martalik kod (OTP) bilan tasdiqlagan holatlarga taalluqli emas\u00a0\u2014 bunday vaziyatlarda mablag\u02bb to\u02bbliq hajmda yechib olinishi mumkin.<\/p>\n<p>Cheklov to\u02bblov tizimlari darajasida o\u02bbrnatilmoqda. Hozirgi vaqtda Uzcard ushbu yangilik haqida rasman e\u02bclon qildi, shu\u00a0bilan birga, yaqin orada Humo tizimidan ham xuddi shunday xabar berilishi\u00a0<a href=\"https:\/\/t.me\/bankmijoz\/8273\" target=\"_blank\" rel=\"noopener noreferrer\">kutilmoqda<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kreditlar va boshqa majburiyatlar so\u02bbndirilganda kartada kamida BHMning 3 baravari (1 mln 236 ming so\u02bbm) miqdorida mablag\u02bb qolishi shart. <\/p>\n","protected":false},"author":23,"featured_media":37703,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"_sharing_image":{"poster":"https:\/\/dinor.uz\/wp-content\/uploads\/2026\/04\/69e9bee55e215.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":37703,"7B0ecgVieEAP":"\u040e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d\u0434\u0430 \u0431\u0430\u043d\u043a\u043b\u0430\u0440 \u044d\u043d\u0434\u0438 \u043a\u0430\u0440\u0442\u0430\u043b\u0430\u0440\u0434\u0430\u0433\u0438 \u043c\u0430\u0431\u043b\u0430\u0493\u043b\u0430\u0440\u043d\u0438 \u00ab\u043d\u043e\u043b\u0433\u0430\u0447\u0430\u00bb \u0435\u0447\u0438\u0431 \u043e\u043b\u043e\u043b\u043c\u0430\u0439\u0434\u0438"},"_dinor_sponsored":false,"_dinor_sponsor_name":"","_dinor_reading_time":0,"_dinor_primary_term":0,"_dinor_featured":false,"_dinor_urgent":false,"_dinor_show_author":false,"_dinor_kicker":"","_dinor_summary":"","_dinor_sources":"","footnotes":""},"categories":[2],"tags":[],"ptype":[],"_links":{"self":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/37702"}],"collection":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=37702"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/37702\/revisions"}],"predecessor-version":[{"id":37704,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/37702\/revisions\/37704"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/37703"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=37702"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=37702"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=37702"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=37702"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}