The Most Right Credit Card for Your Life

The current lifestyle will inevitably affect yourself while in the social environment. Even with the development of the times become triggers of a lifestyle that is more instant, luxurious and sophisticated. The existence of technology is also one of the main factors changing human lifestyles, is considered to facilitate all human activities and can be completed in a short time.

Today, human needs are not only limited to clothing, food, and shelter, but there are other needs that must be met for his satisfaction. Other needs such as Sports, Traveling, Beauty, are now a necessity that must be fulfilled for a better life. Having a credit card is one solution that will help you meet those needs.

There are some people who think that having a credit card

There are some people who think that having a credit card

It is not necessary for their lives, besides the existence of bills every month, the interest to be paid is considered to add to the total bill. However, for those who really need a credit card with the ability to make regular payments every month, having a credit card is something that is needed.

Currently, the banking institution has provided various credit cards that are tailored to the needs of its users. When you visit a bank and ask about a credit card, you will be informed of several types of credit cards that are the mainstay of a particular bank, what distinguishes one credit card from another is the maximum amount of credit that can be used on the credit card.

Maybe the variety of credit cards available at a banking institution will make you a little confused, considering the offer that is owned by each credit card is very tempting.

For example, there is one credit card that will give you a lot of discounted promos every month, if you shop at certain outlets. Of course, you think, that with the discount, your shopping will be a little more economical, of course, compared to paying with Cash.

Having a credit card is also very useful

Having a credit card is also very useful

When you frequently travel abroad, because of an assignment from your job, or even just a vacation. When going abroad, of course, we must first exchange the currency from our country to the currency of the country we visit, when we want to make transactions in that country.

And to exchange it, we need to come to Money Changer, which is located in the city center. If you use a credit card, no need to bother exchanging your money, you can immediately make payments with a credit card with the Visa logo, which can be accepted in various countries.

As a credit card user, you should be more careful in its use. You don’t need all the types of credit cards you have because they are preparatory actions, the next time you need them. You can choose the right credit card according to your needs. What type of credit card might suit your needs? Here are the various types of credit cards that are right for you:

Beginner Credit Card Users

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Are you just about to use a credit card? When various bank institutions offer you credit card products, you don’t need to feel bothered to have all the credit cards offered. Choose the credit card that you really need.

Submitting to make a credit card to the bank is also not easy. You must meet several requirements submitted by the Bank you are visiting. It’s a good idea to choose a credit card that offers a free annual fee or choose a credit card that offers lots of free gifts. You should make a credit card at the bank where you save so that all the requirements can be easier.

Credit Card for those of you who have installments

For those of you who like gadgets or electronic devices, you should use a credit card specifically for installment payments. The advantage of this type of Credit Card is in the form of 0% installments, there is a cashback and also a large reward, and low interest. In addition, choose a credit card that often gives cashback, every time a transaction is made. Make sure the credit card you choose is the one with the lowest interest rate.

The most advantageous cash loan offer

In which bank to borrow 15,000 in September USD not to overpay? According to analysis, this month the best offer was prepared by Good Finance. By borrowing from this bank, you can save up to USD 3,149.

Are you surprised that we mention savings when we take a cash loan on wallpapers? Although, at first glance, borrowing is not connected with saving in any way, how much we will have to give back to the bank, yes. What differences are we talking about? That’s what our readers Kasia and Janek asked us, who need USD 15,000 to renovate a bathroom flooded because of a pipe crack.

After a short conversation with them, we asked the banks to prepare calculations. We were only interested in offers for external clients because Kasia and Janek do not want to be associated with the lender in any way. In total, we compared 15 proposals. As our analyses have shown, the total cost of credit can be from 19 199 to as much as 22 348 USD.

The most advantageous cash loan offer

The most advantageous cash loan offer

Good Finance, E-Money and Good Credit Bank are institutions that offered our clients the best conditions.

Good Finance turned out to be unrivaled, with a total payment of USD 19,199 and a monthly installment of USD 320. All thanks to an interest rate of 5.99 percent. and a 10.50 percent commission

E-Money has also prepared a good offer. The monthly installment proposed by this institution was only higher by USD 10.66, unfortunately for 5 years it will translate into USD 640 more of the total amount to be paid (USD 12,840 vs. USD 19,199). This result was affected by an interest rate of 6.00 percent. and a 12.30 percent commission

Good Credit Bank prepared the last offer worth attention

Good Credit Bank prepared the last offer worth attention

Unfortunately, here the losses to the winning Good Finance were even greater: USD 12.73 on a monthly installment, which translated into USD 19 964 of the total amount to be paid (i.e. by as much as USD 764 more than in the first place winner). This result was affected by an interest rate of 7.95 percent. and 8.70 percent commission.

In all three offers presented above, the total amount to be paid did not exceed USD 20,000. USD. Of the 15 calculations that banks sent us, only two were so favorable. The total cost of the loan did not exceed 20 thousand.

Our customers were very grateful for help in choosing the best offer. They finally took out a loan at Good Finance, simply choosing the loan that will cost them the least.

Loans in 15 minutes online – choose fast internet loans

The additional cash will be useful to buy a trip at a promotional price, pay for a mechanic or get medical advice. The easiest way to get it is through online loans in 15 minutes.

Online Payday loans in 15 minutes – how is this possible?

Online Payday loans in 15 minutes - how is this possible?

Online Payday loans, or short-term loans for small amounts, are characterized by a significantly simplified process of granting them. It is thanks to this that the time from the moment you submit an application to obtaining a response and receiving money is much shorter than in a traditional bank. Loans in 15 minutes online are provided by non-bank institutions that operate as follows:

  • accept a loan application electronically,
  • consider it shortly after receipt,
  • limit the creditworthiness assessment to a minimum,
  • transfer money to the account within several minutes of issuing a positive decision on granting a loan.

What do 15 minutes mean, which often appears in advertising slogans? Most often, a quarter is counted from the moment of positive consideration of the application until the money is transferred to your account. Some companies also state that within 15 minutes you will receive a decision to grant or refuse a loan.

What can delay receiving payday pay?

What can delay receiving payday pay?

There are several factors that determine when a quick 15-minute online loan will reach your account. It depends on how quickly you will be verified by the lender – in some companies, this process is automated, in other employees are responsible for it. It may also be that the company will ask you to provide a bank statement that will confirm regular receipts.

In addition, it is not insignificant when and where you apply and in which bank you have an account. Some companies work 24 hours a day, 7 days a week, while others only work at designated times. However, if you have an account at a bank other than a loan company, funds may reach you with a slight delay, which depends on the duration of interbank sessions.

A loan in 15 minutes online – how exactly does the verification work?

A loan in 15 minutes online - how exactly does the verification work?

Although 15 minutes is only a time during which many companies offer withdrawal of funds after the successful consideration of your application, there is no doubt that the whole procedure related to applying and granting payday loans is much simpler and less time-consuming than at the bank. To get a 15-minute online loan, you must have a valid ID card, meet the age criterion (may be different in different companies), have a bank account, Internet access, and telephone.

If you want to apply for payday loans online, you must complete the application – your personal data will be required, as well as a statement on how high your monthly income is. Importantly, for many loan companies, the information you enter in the form will be sufficient, and it will not be necessary to provide employment or earnings certification. Some institutions will also not check you in Credit Checker, which will further shorten the procedure.

Verifying your identity is a necessary step when applying for a quick loan online in 15 minutes. Most often, the loan company will ask you to perform the so-called verification transfer for the amount of USD 1 or USD 0.01 – you must make it from your account. Since the granting of the loan is 100% online, it is a convenient and quick way for the lender to confirm the data entered by you in the form. If you delay in making the transfer, it will delay the payment to your account.

See how to choose a loan in 15 minutes online!

See how to choose a loan in 15 minutes online!

Non-bank companies where you can take out loans online in 15 minutes offer products that differ in many ways. To choose the best 15-minute online loan, pay attention to:

  • minimum and the maximum loan amount – loans on the Internet in 15 minutes are granted for small amounts – in some companies, the minimum amount is USD 100, and in others USD 300, while the maximum can range from USD 1,500 to even USD 20,000;
  • minimum and maximum loan period – choose an offer that will allow you to pay off your debt at a convenient time. It can be 14 days, 30 days, 45 or 61 days. You can decide not only on payday loans repaid once after a certain period of time but also on installment loans, in which the liability is regulated in installments, e.g. for 3, 6, 24 or 60 months;
  • APRC – this indicator informs you what amount you will eventually have to pay back to the loan company. Includes all costs associated with the loan, including commission, application processing costs or insurance;

You will compare all the most important parameters of payday loans in The Good Finance comparison engine, which will display offers that meet your requirements. This way you will quickly find out which company you can count on to receive the amount you need, convenient repayment date and which product is the cheapest, i.e. it has the lowest APRC.

  • Possibility of the first free loan – some parabanks offer the first loan for free, i.e. with 0% APRC. Thanks to this, when you meet the repayment deadline, you give back exactly what you borrowed;
  • verification in the debtors ‘databases – you can limit the search for offers to companies that do not check clients in the debtors’ databases, which is a good solution when you are blacklisted in Credit Checker;
  • company working time – if you care about time, submit an application to the company that works at the moment. As a result, your application will be processed without undue delay;
  • company account – to get the money to your account as soon as possible, use the services of a company that has an account in the same bank as you;
  • refinancing option – you will appreciate it when it turns out that you have a hard time accumulating the amount needed to settle the liability. Refinancing allows you to defer the repayment of the liability. You will learn more about it in the article Refinancing a cash loan.

Internet loans in 15 minutes provide access to additional funds shortly after submitting the application. Carefully contracted loans will allow you to regain financial liquidity and cover all unplanned expenses.