Tests & experiences on the top credit cards.

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Credit card providers advertise their product

Credit card providers advertise their product

Like any other company, credit card issuers want to sell their product. Your own credit cards are presented in the best light, and above all the positive properties are highlighted. The consumer should be encouraged to buy or order the credit card. However, it is difficult for those interested in credit cards to make a balanced decision on this basis.

After all, thanks to the credit card issuer’s advertising, he knows only the best features of the product. Customer testimonials often convey a much more realistic picture. Not only the best aspects of a credit card are reported here, critical points are also addressed. Based on honest reviews, consumers can better weigh which credit card fits their own ideas.

How user-friendly is the credit card?

How user-friendly is the credit card?

Testimonials and reviews from other credit card users also help to get a feel for what to look for when choosing a credit card. Those who have never used a credit card may not know what criteria are important when choosing a credit card offer. So in important questions when choosing a credit card, for example:

  • Can the credit card be used abroad?
  • Are there any fees involved?
  • Will there be any fees at all?
  • Are there any special services that make the respective offer more attractive?

Testimonials are essential if you want to make the right decision with the wide range of credit cards on offer. Many credit card features only become apparent when the card is used every day. Benefit from the experiences of others or share your experiences and thus help others in their decision.

Objective and subjective decision criteria

Objective and subjective decision criteria

In an objective credit card comparison, the properties of credit cards from different issuers are compared. Such a comparison is important to get an overview of the various offers and to find out which criteria play a role in credit card comparison.

These tests are based on the objective criteria, which the credit card issuer must make transparent for every interested party. Subjective testimonials from people who actually hold the respective credit card can give a completely different insight. Perhaps the customer service of the issuer proves to be particularly helpful and customer-friendly in the daily handling of the credit card.

Or there is a special bonus program that brings many advantages. Conversely, negative aspects can only become apparent in everyday use. Whether positive or negative, testimonials illuminate credit cards from every side.

This is what credit card tests offer

This is what credit card tests offer

Unlike a subjective report, a credit card test compares objective criteria. Depending on the test, these criteria include, for example, credit card fees, the possibility of withdrawing cash and the card type.

An objective credit card comparison also provides information about whether the respective credit card can only be used in connection with a checking account. Some credit cards are linked to the opening of a current account with the issuer. If you don’t want to open a new current account, you can use a credit card comparison to filter all credit card offers without an associated current account.

Find the right credit card for every situation

Find the right credit card for every situation

User reviews from other users will also help you find the credit card that best suits your situation. A student usually has different credit card requirements than an entrepreneur who is regularly on a business trip. Based on the experiences of other users who are in a similar situation to you, you can check whether the respective credit card meets all your requirements.

Objective tests and subjective experience reports complement each other. Both comparison options offer you a solid basis for deciding on a specific credit card offer. Credit card tests provide information about fees and the use of a credit card abroad, and experience reports provide information about how user-friendly a credit card really is in everyday life. To make the right decision for your situation, you need objective and subjective aspects.

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Family loans – a good customer always in fashion

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Family Loans from Krakow are not a product that we meet at every corner. Does the mere fact that Family Loans come from the former Polish capital change something in the product itself?

Describing the products of loan companies is not something that our portal devotes too much time to. However, the world of finance is changing, and so are the loans. These are more and more companies struggling for customers mainly by ease of access, not turning a blind eye to their credit history problems. Family loans are a good opportunity to show that payday loans also openly target a “better” customer.

It is also a response to the needs of our clients, who often ask what they should have paid attention to when taking a loan. In order not to fall into a spiral of debts. Unfortunately, they often ask only when they have to surrender.

 

How do family loans tempt customers with a good credit history?

How do family loans tempt customers with a good credit history?

After opening the loan page, you can easily see that the company emphasizes the benefits for a customer who can boast of a good credit history. Financial benefits. Such a customer will pay less for the loan. How much? In percentage, roughly 22% cheaper, in USD 40, cheaper than every 1000 USD. More specifically, 139 dollars instead of 179 dollars, which must be paid by a customer who cannot boast of a successful credit life so far.

 

Can payday pay be cheap?

Can payday pay be cheap?

Sometimes, it can be free, but never as cheap as a bank loan. This is the specifics of this product. However, we must refer to the realities. For a loan of 3,000 in the described loan after a month you will pay almost as much as in the bank after 3 months. However, if you compare it with other offers of payday loans, it turns out that it is sometimes half as much as with the competition.

 

If you don’t have a good history, prove it yourself.

good credit

Returning to the previously mentioned USD 40 difference. The lender has valued the risk of granting a loan to a person who is not completely reliable. Once the client proves that such fears were unfounded family loans, he would also be charged with the cost of the loan. From the second loan, the cost of granting it is the same for all customers. In addition, every customer who repays the first loan on time can count on a larger quota offer – up to USD 7,000 dollars.

Despite this, as always, we feel that incurring significant amounts that you may not pay back in a timely manner is not the best solution. It is better to reach for an installment loan and pay it back earlier.

Even if family loans show an understanding of the problem of slipping in repayment and from the second loan you can ask to postpone repayment for 15 days.

Like any company, the owner of this loan will strive for the highest possible income. He will therefore be tempted, especially if your creditworthiness is greater than the amount you applied for. It’s normal. However, it would be unwise to take advantage of this “opportunity”.

 

How to apply Polish family loan?

How to apply Polish family loan?

You can apply for this loan if:

  • you are a citizen of Poland;
  • you are between 19 and 71 years old;
  • you are a consumer;
  • you have an ID card, your own bank account in Poland and an active mobile phone.

Everyone can read the terms and conditions (information form) and loan rules (regulations) without any problems. It is clear from the regulations that a company registered in Krakow itself grants a loan. It is also a sensation at a time when more and more companies are resorting to brokers registered in various exotic places. The company is focused in the hands of one man. And this is not his first venture related to borrowing money.