Perhaps, there is hardly a person who does not know what a loan is (unless only minors). And although the loan performs only one function - you took a little now, give it back later, but more, there are at least two attitudes towards the loan. For some, a loan is a revenue stick, but for others it is a heavy bondage. Moreover, from the first definition to the second there is only one small step called inflation, dismissal from work, health problems, or simply tired.
Instructions
Step 1
An individual credit history is compiled for everyone who once dared to "tie" himself with a loan. This story consists of your date of birth, place of work, address of residence, personal phone numbers, when and for how long the loans were taken, whether they were repaid on time.
The cleaner your credit history, the more privileges the bank provides with the next application. Most often, this is a decrease in the annual interest rate on a loan. But it's always nice to pay less.
Step 2
Life for that and life that gives us sharp turns. It is very easy to spoil your credit history. It is enough to delay payment, or to stop paying altogether, bringing the case to court. The bank is very offended by such dirty tricks and is unlikely to want to deal with you in the future.
But, as mentioned above, anything can happen in life. The loan may be needed again, and you are blacklisted. What to do?
Step 3
It is necessary to gradually put up with the bank. To begin with, borrow household appliances from this bank. For some reason, equipment and furniture on credit are easier than money. Having repaid the loan on time (it is possible earlier), again take on credit some trifle (cell phone, for example). Pay off again without breaking the deadline.
Step 4
The next step can be the registration of a credit card. Having used a small amount from there, do not forget to pay it off.
Step 5
With such correct manipulations, you will gradually regain your good disposition. And again you will become a bona fide payer.
