Cash credit or card?

Cash credit or card?

Cash credit or card?

At present each consumer has possibility to make an application on receiving the credit. Thus the credit can be provided both in the form of the cash sum, and in the form of a credit card. To compare this two types of crediting (if necessary to make a choice for one of them) it is possible only if you precisely know for what and in what size the credit is necessary to you. Without it comparison of sense has no.

It should be noted that in favor of a credit card tell such factors as universality, possibility to use the card and money available on it worldwide, to carry out remote payments, to receive a preferential limit of the sum of crediting etc. The basic pro in registration of a credit card is that fact that the limit from it can be used in parts that is as finance was necessary for you. Besides, this limit is renewable, that is having issued the card once, you can be financed for many years.

That shakes the cash credit, the credit by cash according to the passport and an identification code (that is in the presence of the minimum package of documents) is made out and it becomes much quicker (at card registration, you will be compelled to wait, at least, a week while it will be made and issued as appropriate). Thus the limit for the crediting sum here is much higher (that is you have possibility to receive a large sum). Will quite strongly affect the decision of the consumer and that fact that the interest rate here is, as a rule, slightly lower.

T.O., if you wish to obtain the consumer credit and precisely you know on what it will spend (that is are confident in the size of the sum and payment term), you will accept the cash credit and if crediting is only «a safety cable» more, it will be more convenient to use a credit card.

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