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This article is not about the fact that credit cards are evil. On the contrary, consider the need for a card for a modern person.
Features when using a «credit card»
The credit card has flexible repayment schedules. This is a rather significant advantage over other types of lending. But, most people are simply financially illiterate and make many mistakes, for which they will be required to pay the bank a forfeit in the form of fines and penalties. In order not to fall for this bait of the bank, it is necessary to carefully read the loan agreement and make payments on the loan on time. If you do not understand something, do not hesitate to call the bank and ask.
And also «feature-advantage» is the presence of an interest-free period, which allows you to use a small amount without additional payments. In order to repay the loan on time, you need to know from what date the grace period begins and how long it lasts. You also need to know about the maximum amount and the period for repayment of funds, in each bank they are different and depend on the borrower:
— Availability of permanent registration;
— Availability of permanent income;
— The total amount of income;
— Guarantors;
— Experience at the last job;
— Pledge;
— Having a “good” credit history.
Disadvantages of credit cards
1. Availability of high interest rates. This is due to the high percentage of the bank’s risk.
2. The impossibility of withdrawing cash, without high interest.
3. The presence of commissions for all card transactions.
4. Psychological factor. Receiving a credit card, a person simply ceases to control himself and begins to spend money that he simply cannot afford. But any loan product was made to help in a difficult situation. This is not the fault of the bank, but the borrower himself. Everyone should calculate their financial capabilities and not spend more than they can afford.
Consequences in case of violation of the loan agreement
The first thing the lender will do is charge late fees.
Second, it will enter the data on your delay in the credit bureau. That will worsen your credit history.
Third, resell debt to collectors.
Fourth, he will file a lawsuit. And after the decision of the court, the bailiffs will take care of you. Which legally can deprive you of your property.