What to do if you urgently need to buy something, but there is no money? In most cases, people go to banks or try to use their services at the point of sale. But many have to figure out how to fix their credit history in order for the bank to agree to lend you again.
It is necessary
- - credit card
- - finance for payments
Instructions
Step 1
There are several ways to correct your credit history. A big advantage is for those who have acquaintances at the bank. But if there are none, you have to correct yourself. The first possibility is associated with credit cards. They are given in a number of banks. There are several reasons why the application for such a card is approved. Among them are the recommendations of friends who have taken advantage of the credit offers of a financial institution. Also, some banks themselves offer credit cards with a small limit if the client uses their services, for example, by issuing a debit card.
Step 2
If you managed to get a credit card, do not forget that usually the interest-free period is not so long. It is better to take things at a low cost, repay debt on time and correct your credit history. Try to get several of these cards from different banks, then your financial opportunities will expand a little. But do not forget - it is necessary to pay off the debt on time, this is a prerequisite.
Step 3
Not all banks provide loans on unfavorable terms. Among them are Sberbank, VTB24, which also have quite acceptable proposals. But if you have a bad credit history, preferably in another bank, then you can use such an offer (a small grace period, up to 39% - a loan fee), again, taking small amounts, returning them on time. The peculiarity of such offers is the loyalty of the conditions.
