Today, credit card services coming to the fore in numerous banking programs.In this article I'll credit card that will soon completely replace cash settlement method.Not to be confused with the usual credit cards plastic - debit cards.In the latter case, the opportunity to use funds in the credit available.
Credit cards and consumer loans
large number of people in Russia prefer to issue credit cards, and they do so mainly in the banks is not so relevant service producing commodity loan outlets.And how can this be explained?So simple - interest on credit cards are always a few points less than the same index of commodity credit.Why on commodity loan rate is always higher?Because the bank is forced to making out a similar loan "hurry up" and give loan as soon as possible.He just physically do not have time to verify the customer's solvency and thus offset the possible risk of rising interest rates.If a person takes credit card, the bank has enough time to complete testing and quality of information provided by the borrower.So it turns out that the interest rate is more favorable.
Where can I use credit cards
More than half of the goods purchased by credit card - this is all sorts of household appliances, mobile phones, televisions, refrigerators, washing machines, and more.About 15% of purchases accounted for the acquisition of various furniture.Often using credit cards to pay repair housing, leisure, travel and others. In fact, the scope of credit cards is so wide that it is not easy to imagine the huge and rich.
As noted by experts, the people who buy goods on credit, which they do not plan to buy is usually not so much pay attention to the cost of credit.This loan is most often made out right in the store.People want to become owners of the goods right now, no matter what.When people plan their purchase, and such purchases - usually large purchase, such as buying a car, furniture, travel abroad, they usually go to the bank and choose between a consumer loan or credit by a credit card.
Each type of loan has its advantages and disadvantages, but the credit card - it is a neutral option that is actually available to anyone interested.Currently, many banks issue credit without reference to work and without other documents confirming your solvency.Of course, in this case, a place to be a hard limit.
How receive credit card
Before you make out a credit card, experts advise first of all carefully read the specific loan agreement, the terms of lending requirements for borrowers, etc.Special attention in the study of loan agreement should be given to what is written in small print.It is also recommended to visit a number of banks to find out directly from the employees of the bank lending conditions, the requirements for borrowers and any other information you need.So you essentially fill up knowledge base on credit cards, and probably will not make any mistakes, which, unfortunately, are often allowed many newcomers taking the credit.
