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Sometimes people are faced with the need to borrow a sum of money. More often they go to the bank to get a loan. Difficulties may arise during ego registration. When a person works unofficially, the bank can issue a loan if there is a guarantor with the necessary income, or if there is valuable real estate, in case of non-repayment of the debt, the bank has the right to put it up for auction or sell it.
If there are no such opportunities, to get cash, you can turn to financial or credit organizations, where you will only need a passport and an identification code.
You may also be provided with credit card without proof of income, from which you have the opportunity to withdraw cash up to several tens of thousands of hryvnias. You can get such a card at any bank, but the issued amount may be different. The advantage of this type of loan is that for several days, or even months, the person does not pay interest for what is used in cash, but in the event of a delay, the banks can repay in full.
Credit cards are a good opportunity to use bank money without an interest rate for a certain period. Such cards can be taken with you on trips, even abroad. Thus, you will have an insurance wallet for unforeseen situations or expenses.
Disadvantages of credit cards without proof of income are the issuance of a small amount, after the grace period a very high interest is charged, and the presence of commissions. But there are much more advantages, you can use the funds unplanned, for example, in an unexpected discount or favorable offers for a certain product, the debt can be repaid without interest, you can use money for up to 90 days on a preferential basis, cash is issued in 10-20 minutes. Some cards have an accumulation system for purchases. Due to the cooperation of banks with stores, when paying by card, you can get a good discount.
Credit cards are suitable for a disciplined person who calculates well, handles money correctly, and knows how to repay debts on time. In this case, it will be a very useful and profitable card. In other situations, the Card will drag the debtor into a black hole of loans, from which it will not be easy to get out.
It is also possible to get a loan in stores for household appliances, furniture, or large purchases. Such credit cards are issued by the store itself, but the payment goes through the bank with which it cooperates. When registering, you will only need a passport and an identification code. Payments are made by a person without an interest rate.
