But if you still need clarification, then please be patient and get through to the relevant units of the bank. (A valuable related resource: PCRM). In order to avoid confusion with payments, also recommend to make the amount designated in the contract in a timely manner, without delay with the regular payments and not paying for them ahead. Frequent situation in consumer loans – penalties for early repayment of the loan or repayment of the loan against a fixed schedule of payments. The same thing happened to our hero, but the fine was deducted by the bank with a credit card for through which the bank sought to write-offs still 22% per annum (the interest rate on credit limit credit card). Bank error in turn is a lack of proper training and supervision of employees own front office. Mistake number 4 What we have – do not store, lost – lament loss of the contract – not the most pleasant event, in addition, without the borrower is totally unequipped for the bank. The first step is to discover the loss, must be addressed either in the head office of the bank or a department in which credit was received (the loan officer at the store) and request a copy of the signed documents. Otherwise, you lose the possibility of something to defend and demand, since you have no documentary evidence of your rightness. Thus, if the contract or a copy you will be much easier to communicate with the bank, properly and promptly repay the loan and supervise bank activity in the exposed part of the requirements.
Credit Card – a unique device for the loan as cash, and during the acquisition of goods or services. It is no secret that credit cards are widely available, not only banks but also companies, businesses, restaurants and hotels. There are two types of credit card payment and credit. Credit cards 'Visa' or 'MasterCard' allows you to pay a monthly minimum of their purchases with interest charges. A credit of such such as 'American Express', require to pay for all purchases at the end of the billing period. Do not forget about such functions as obtaining credit cards personal short term loans. Quite clear that the emergence of credit cards could not affect the economy. You no longer need to spend years accumulating funds for the purchase of a product, rather was only to have a credit card, and not to forget from time to time repay the amount of debts on the loan.
Large companies, firms, hotels, restaurants, eateries network also began to use credit cards to promote their products and services. But in addition to credit cards with the usual functions for us, do not forget about the debit card. This type of card is used to write off the account the prices of goods and services directly from the balance sheet of the bank customer. It is the availability of credit lines and is the criterion by which distinguish the credit card and debit card. Or rather bind to the account.
If card is linked to a bank account (checking or savings), it is a debit. If tied to the line of credit (usually without the possibility of creating a positive balance), then the credit card. This terminology long-established and used in the U.S. de facto. In Europe, in Russia or in any other place may have different criteria. There is no doubt that the emergence of credit cards is rapidly facilitated as obtaining a bank loan, and the procedure repayment of debts on the loan. Now there is no question – 'where to get a loan? "And the question-' how to pay it?"