Автор: Artem

Facts about credit cards h 1

As a rule, loans are accompanied trusteddumpsshopby a product such as insurance (life, disability, work, and so on). In mortgage lending, the borrower is required to insure the collateral. Any other types of insurance are not mandatory, and they can be canceled both before the conclusion of the loan agreement, and after within 14 days.

An increase in the lender’s interest jshopcvvrate or reduction of the credit limit without explanation is legitimate. Often, credit conditions deteriorate precisely because of the refusal of insurance.

The deceived investors of the credit card

Lenders like to cheat Deposit account validshopruholders. For example, if a person wants to withdraw their money before the end of the contract, they are given only the Deposit amount without interest.

Sometimes Deposit rates are lowered compared to those set by the Central Bank. Or they delay the issue of funds, referring to the lack of money at the uniqueccshopcheckout and the need to order them in advance. In fact, lenders are simply buying time by putting capital into circulation and getting rich.

Cheating with payment cards.

The essence of this deceptionvbvccshop is as follows. The organization enters into a contract with a banking institution, and all employees are issued salary cards. The agreement specifies that if there is no movement of funds on the account for 6 months, the service becomes paid.

After some time, the employer decides to pay the salary through another Bank. The previous cards remain unclaimed, the Commission is deducted from themcvvanddumpsites, and the debt is formed.

Banks do not report debt.

A citizen has a debt, for exampleccvshoporg, as a result of a delay in payment for a day. The Bank fines him and charges interest on the amount of the fine. A person later makes payments on the loan without delay, and after 2 years finds out that he has a big debt.

And although the law» on consumer lending » does not oblige lenders to run after customers, omitting the fact of debt leads to financial problemstopcvvdumpsites for borrowers later.

Fees for cash withdrawals via ATMs.

The lender claims that money can be withdrawn without Commission at any ATM. But this turns out to be a fraud: issuing companies still charge a fee when withdrawing cashdumpcardsites, for example, for distributing money on a transaction.

In other words, even if both banks declare that there is no Commission, the money will still be debited. You can’t trust financial and credit shopdumps101organizations.

Fraud with plastic cards.

This method of deception is as followsdumpsshoplist. The customer issues a credit card, which does not have to be paid for during the year, but does not use the funds. The Bank reissues the card and withdraws an amount equal to the cost of servicing it from the account. The result is a negative balance and growing debt.

The client usually finds out about this by accident: they refuse to leave for another country; bailiffs come to them; the mastercvvshopBank initiates legal proceedings; they refuse to register their property rights.

The «Grace period» deception.

Borrowers face this deception very often. When making a credit card, they are promised ccdumpswithpinfreenot to charge interest for using the money for 30-60 days. After signing the agreement and activating the card, the person withdraws money, planning to close the debt in a month.

However, it turns out that the grace period begins on the 1st day of the current month. Accordingly, for those who withdraw funds in the 20s, free use is only available for a few days. With the beginning of a new month, interest begins to «drip», and in case ofcvvpurchase late payments, fines are accrued. Such deception drives Bank clients into debt.

«I’m afraid that the card will be incorrectly debited»

In contrast to the previous onesmiladccshop, this phobia has no grounds for itself. No Bank will allow itself to cheat with operations and write off incomprehensible amounts from the card account. Reputation is more expensive in this case.

After all, no one prevents holders from goswipecvvtracking the movements that occur on the account themselves. You just need to connect to the online banking system, and then pay for the SMS notification service — and all operations will be at a glance. Even pennies can be verified.

«I’m afraid to forget my PIN code»

Probably, no one will be surprised by the fact that Russians usually remember buygoodcctheir card passwords. It’s just a pity that memory is a thing that likes to fail at the most inopportune moments.

In order not to worry about this, it will be better to write the PIN code (in the daily diary at home or in the address book on your mobile), but not in simple numbers, but using some kind of cipherbestccdumps. The password itself must be set as memorable as possible. Alternatively, you can link it to a date, as long as it is not the cardholder’s birthday.

Fear the first. «I’m afraid of losing my card»

There are many distrustful cvvwithpinpeople in our country. Once they fall for the bait of scammers, they begin to fixate on the risk of falling into a prepared trap once again. But in the case of a credit card, their fears are still unfounded.

No, Bank plastic should be protected, of course. And even to protect yourself from its possible theft would not be superfluous. But why these additional problems?

All the owner has to take care of is not to throw the card around and keep it in a safe place. A wallet with a special pocket for business cards and credit buycccardingcards will come in handy. What should I do if it is stolen? Call the Bank and immediately block the card account. Unlike regular cash, the money on the card will remain intact. You can get them later, when the Bank issues a new credit card.