Consumer loans have become widespread all over the world. For all their advantages, they also have a number of disadvantages, including the difficulty of obtaining them.
As an alternative to consumer loans, many people prefer to use credit cards. With their help, it is possible to use the funds provided by the bank to pay for their expenses, but with a certain limit. The limit may depend on how large the bank's client's income is and what his credit history is. In the countries of the former USSR, credit cards have become widespread in just the last decade. The most common are VISA and MasterCard cards, which made it possible to pay for services and receive money from ATMs. At the same time, according to the capabilities, service, and availability of additional services, credit cards can be electronic, classic, gold and platinum.
Usually, banks have a practice according to which it is possible to increase the initial credit limit after a certain period of time, which can take several months or a whole year.
Making a credit card
To make a decision on whether to issue a credit card to their client, banks use the classic underwriting technique — checking the borrower. As a rule, customers who have already worked with the bank are checked according to more simplified rules.
To get a credit card, the borrower must meet the basic requirements, which may vary slightly from bank to bank.
- Availability of officially confirmed regular income
- Ownership of property, for example, a new vehicle
- Official residence in the bank's service area
Other requirements, as a rule, may be similar to the requirements for obtaining a consumer loan. After receiving a credit card, funds within the established limit can be disposed of at your discretion, but with the condition of their refund. You can reimburse money to the bank with the help of minimum monthly payments, paying certain interest, or by paying off the debt in full. In case of late payments, banks may charge their own fees. But if you avoid such situations, a credit card becomes a convenient, useful, and most importantly, an operational tool in order to use services, paying for them from your own funds in the future. Bonus de bienvenue 1xBet - Saisissez notre code 1xbet lors de la création de votre compte pour recevoir le meilleur bonus de bienvenue. Entrez notre Le code promo 1xbet est "1X54214" vous permettra de recevoir leur excellent bonus de bienvenue allant jusqu'à $130 sur le sport en paris gratuits. En premier, le bonus d’inscription ou de bienvenue est réservé aux utilisateurs qui s’inscrivent sur le bookmaker. Le bonus proposé couvre les dépôts effectués avec des pièces numériques, notamment Ethereum et Bitcoin.