Here’s to you control: It’s cheaper to pay by credit card than by deposit!

Until the introduction of the FTT, it was a market habit for banks to keep their annual credit card fees high, but to give their debit card cheap. In the past, the cost of a credit card could even double that of a debit card. However, since credit cards are usually issued in the more expensive embossed version (MasterCard Standard, Visa Classic), there is an even cheaper step from the debit card, the electronic debit card (Maestro, Visa Electron). This was subverted by the advent of the financial transaction tax and the reduction of the interchange fee. Based on this, it is worth banking differently today, just as it would have been crazy before!

Banks know that customers need a credit card. In fact, they also know that cheaper electronic cards have an even greater age, so you may have already discovered that the annual fees for debit cards have risen sharply, with the annual fees for cheaper electronic bank cards drastically increasing.

The combined effect of these is that an electronic bank card now costs as much as an embossed card.


Debit and credit card annual fee rates

Debit and credit card annual fee rates

In an earlier article we addressed the question of why you should choose an embossed debit card today instead of an electronic one. There is not much difference between the two nowadays, because in the past you have applied for embossing to make sure you do not travel abroad (eg in hotels, car hire) and to shop online with it. Nowadays, however, electronic cards are generally accepted on the Internet and the coverage of POS terminals used with electronic cards has increased significantly (in more advanced parts of the world), and even now the real challenge is not the coverage of contactless payment points, where Hungary is very well .

As you can see from the comparison above, credit cards are now better for your annual fees. While not all banks are more expensive to use a debit debit card than a credit card, and credit cards may incur a separate monthly account management fee (although you will find free account management), we have tried to give concrete examples to show that the old order has definitely reversed.


How do you consider your choices today?

credit cards

  • choose an electronic or embossed card as your debit card ?
  • do you require a credit card or spend with your debit card?
  • you pay extra on the credit card account management fee, but in return you get a refund for your purchases , which can be more than the monthly credit card management fee plus the annual fee, OR you stay with your debit card with a single account management fee, but miss the discounts?
  • use an overdraft with your debit card, or do you buy interest-free from your special account behind your credit card?


The best strategy

The best strategy

Based on the questions above, everyone can individually choose the solution that suits them best. Our tip is:

  • choose cheap electronic in your debit card while
  • request a cheaper embossing from your credit card! So you have not one but two cards at many banks for the price of a single embossed debit card ,
  • Moreover, you get a separate credit line, of which interest-free can spend the same place where the card is embossed using it
  • and with a good credit card selection, you’ll even have extra discounts .

We recommend that you use a credit card comparator to choose a credit card that will give you a refund on your standard credit card purchases (which you always have to pay back in full for interest-free payment on time), and you can earn even more than your credit card charge.

It is also important to always withdraw cash only with your debit card, under all circumstances, never with your credit card!

This is how the Hungarian bank is the smartest bank today.

No credit check installment loans -Easy installment loans without credit check

Fast and easy installment loans without credit check

Installment rates in comparison – this is how it works, you should pay attention to this. Here the quick and inexpensive installment loan is often the right choice. Earning more money and paying in manageable installments a month at the house bank has its charm. Usually, within a few moments, you will receive an answer from the chosen house bank to your loan request, including an online credit check, whether your financing is possible and how exact the conditions are for you.

Then you can start and sign your loan application at the bank you want. Meanwhile, each house bank and each savings bank has a installment loan on offer – mostly on the Internet. Installment loans are also available from retailers or many online sales portals – but usually at lower interest rates. If the house bank usually transfers the cash or transfers it to a bank account, the buyer instead receives the desired goods or services from the merchant and pays them back within a specified period by credit.

Unlike the installment loan, this is reserved for the buyer of a vehicle. Installment credits start next to microloans usually at 2,500 EUR. As a rule, private individuals can borrow up to an amount of around EUR 50,000, depending on the savings bank or savings bank. In return, the house bank of course requires a return, which can vary greatly depending on the financial institution, customers and loan amount.

In most cases, higher interest amounts are outstanding for higher loan amounts with a longer term. However, the creditworthiness of the client and, ultimately, the general level of interest rates are also decisive: this has fallen for years – installment loans are currently available on more favorable terms than ever before. This also applies to the total costs of the monthly repayment installments plus default interest.

By the way: There are also cheaper interest rates for installment loans without credit check, eg on this page

The installment credit comparison makes this clear.

Advance Credit: How much and how much? Installment loans have a very special advantage: you know from the outset what monthly fees you have to pay – so you can easily compare the conditions with any house bank. You can also set this yourself – by reconciling and selecting the amount of the loan, the interest rate and the period for which a loan is to be executed.

Because the amount of credit is usually difficult to change – because you need the capital you need – it is your and our duty to seek the cheapest installment loan with low interest rates. The installment loan rates are particularly favorable – often there is then a peak interest rate of the banks and a processing fee is completely eliminated.

But also direct banks such. B. Internet Bank or Barclaycard grant here cheap loans. No installment loan – what to do? From time to time, it happens that the loan application is rejected by the house bank – after, for example, in the network their information was classified as not fully creditworthy.

Certainly annoying at first glance, but there are several ways to get the credit you are looking for. Can you resolve a installment loan? YES, anyone can dissolve his contract at any time. BUT: The banks or savings banks can demand for a so-called premature repayment penalty.

For example, there are credit institutions that do not charge their private customers for such fees, and you can terminate the current loan agreement almost free of charge, for example, to pay it in full or to convert it into a new, less expensive one. Only the exact comparison with the installment loan brings the breakthrough. That’s what a modern credit looks like today! Our five-point credit check for your installment loan: what is the effective interest rate?

Private Pension Bank Loan Application

Providing loans to the pensioner with the most appropriate interest rate, Good Finance Bank is one of the leading financial institutions preferred by many retired citizens in our country. Those wishing to apply for a Good Finance Bank pension loan are particularly curious about the terms of the bank’s loan disbursements and age limits.

Pensioners carrying their salary to the Institution; They can also benefit from advantageous options such as restructuring, debt consolidation or transfer of new loans. The conditions for benefiting from the loan package related to the Good Finance Bank pension loan campaign may vary depending on the risky status of the customer.

Good Finance Bank Pension Loan Features


One of the most striking features of Good Finance Bank pension loan is its postponement advantage. Within the scope of the campaign, a maximum of 48 months and a minimum of 3 months can be made.

If the branch deems it necessary for retired citizens, the person can request the identity document as well as the income document, SSI web document or income letter. In addition, it is not valid for customers who are subject to a private pension fund to be able to apply only by birth certificate.

Good Finance Bank Pension Loan Calculation and Interest Rates

Good Finance Bank, which is among the private banks operating in our country, receives 0.5 percent of the allocation fee for retirement loans. This rate does not include 5 percent BITT. In addition, Good Finance Bank’s pension loan calculation procedures include insurance premiums based on the loan amount and maturity requested by the customer. The insurance premium may vary depending on the customer.

Good Finance Bank’s pension loan interest rates as of September;

  • 1,69 for the loan amount of 10,000 TL
  • 1,59 for the loan amount of TL 15,000
  • For the loan amount of TL 25.000, it is 1,49.

When we calculate Good Finance pension loan over these interest rates; Considering that you have taken a loan of TL 10,000 with a maturity of 48 months, your monthly installment amount will be TL 327.88. The monthly installment amount of 25.000 TL which is 780.29 TL will be reflected to the payment table.

What is the age limit of Good Finance Bank Pension Loan?

Credit age limitation is an application in the working policy of each bank. The age limit for Good Finance Bank pension loans is between 18-75 years. Therefore, all retirees under the age of 75 may apply to benefit from the financing packages of these banks.

If the bank from which the pension is taken and the bank with which the loan is used are the same, flexibility may be shown. For this, we recommend that you go to the nearest branch of the bank and get detailed information through the representative…

How to Apply for Good Finance Bank Pension Loan?

Since Good Finance Bank pension loan application can only be made at the branches, you can apply at all branches with your Population Card containing the citizenship number.

The conditions of benefiting from this campaign may vary according to the risky situation of the customer. In addition, the said campaign cannot be combined with other credit campaigns of Good Finance. The Bank reserves the right to change the wage amounts, interest rates and maturity options.

Good Finance pension loan applications cannot be made online through the institution’s website or internet branch. There are also no alternative applications for mobile applications and ATMs.

The Bank only evaluates applications made through branches.

Bank or Financial Loan?

The need for a personal loan puts you in front of two options, forward the request to a bank or contact a specialized finance company . In both cases you can start by comparing the offers online, even those that can then be subscribed in the branch. The choice will not depend only on the convenience of the rate offered, but on some key factors. Let’s look at some examples.

Personal loans: get up to € 75,000 Loans comparison

Personal loans: get up to € 75,000 Loans comparison

An element that cannot be neglected in the selection is the amount necessary for the project, and the field will obviously be restricted to banks or finance companies that propose financing compatible with the sum that one wishes to obtain. But unless the need is so high as to have to consider a mortgage, both banks and financial institutions can meet most of the expectations, without particular limits. Find Loan, for example, a BNL group financial company, proposes small loans but also loans of up to € 60,000.

A discriminate may instead be the type of requirement that moves the request. If you need a loan for an amount and a precise goal, the financial is an excellent solution, obviously by carefully and preventively comparing rates and conditions. If, on the other hand, the problem is a lack of liquidity that could be repeated or there is a fear of not having enough economic strength against the unexpected, a credit line without costs up to the actual use of the amount available could reassure and create a small reserve in case of emergency.

Not to be underestimated is the fact that if you are already a bank customer and are regularly credited with a salary or pension in a current account, the examination of the request could be faster and offer more opportunities for success. For example, Fineco, the online bank of the UniCredit group, offers both loans and mini-lines to its customers, with speeded-up procedures for customers with an already prevalent financial situation.

In principle, verifying the offers open at your bank is a first step, which should be followed by a comparison between different financial institutions with accurate online estimates that help you calculate the installment and verify the feasibility of the operation with greater certainty, increasing the probability of successful completion of the request.

Loan estimate of 10000 euros


Financial: Simple Loan
Product: Personal Loan
TAN Fixed: 4.25%
APR: 4.44%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.117

Monthly installment € 185 , 28 Feasibility check 

Financial: Cretbank
Product: Personal Loan
TAN Fixed: 5.16%
APR: 6.70%
Loan duration: 60 months
Amount Financed: € 10.146
Total due: € 11.735

Monthly installment € 193 , 19 Feasibility check 

Financial: Find Loan
Product: “Your Projects” Credit
TAN Fixed: 6.01%
APR: 6.18%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.602

Monthly installment € 193 , 37 Feasibility check * The tables give an example of the structure of the site. For all the comparative offers click on the go button and get all the information you need to evaluate the proposal that suits your needs

Personal loans: get up to € 75,000 Loans comparison

We ask our users to evaluate the service based on its accessibility, functionality and simplicity. The figure reflects the evaluations given by web users, who have not necessarily received the evaluated service. money lender does not modify the assessments of individuals and does not limit their expression. 

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How is it better to pay your loan in monthly or biweekly installments?

At the time of canceling a debt or returning a loan, we are only interested in achieving “comfortable installments”. The best way to pay a loan is always related to shortening the number of installments and reducing the interest paid.

When talking about the loan installment it is important to differentiate whether they are biweekly installments or monthly installments. We just need to understand what capital repayment and debt interest payment imply.

What is the best way to pay off your loan?

What is the best way to pay off your loan?

Deciding between a lower number of installments or reducing interest payments represents the magic formula for establishing the best way to pay off a loan. In the end, the combination of both parameters may be the best way forward. Your financial advisor can become your best friend and show you, with a simple formula, what each of these options implies.

How to set the best way to pay my loan?

How to set the best way to pay my loan?

When applying for your loan, we all ask one thing: What is the fee I am going to pay each month? A very useful tool in these cases is something that many entities already have to provide that approximate information on the amount of the installments to pay each month, we talk about the mortgage simulator.

This tool will help us estimate the monthly or biweekly amount that we have to allocate to our loan by introducing some parameters such as: the total amount we want to request, the payment term, our contribution and interest rates.

The advantage of knowing this information is that we can organize our payment plan and manage our resources based on the amount we have to separate each month to pay our loan.

What happens if I can’t pay my loan


Failure to pay the installments of a loan, whether personal or mortgage, can never be an option when we have economic contingencies in the process of paying a debt to a financial institution.

It is necessary to take into account the direct consequences and the actions that the banks can take before a default of payment, being able to happen to be in the blacklists of the central of risk, as it is Veraz.

The consequences resulting from not being able to pay a loan may vary depending on the type of debt contracted with the entity:

1. In the case of a personal loan

All of the private assets (housing, vehicles, own accounts, payroll or pension), registered by the creditor, become collateral for the loan received. In case of default, they can be seized by legal action, with the objective of paying off the debt.

2. If it is a mortgage loan

Being able to be on a house or any type of property, the banking entity can request the execution of the mortgage, auctioning the house in the event that the entire loan cannot be canceled.

In either case it is better to approach the financial institution, evaluate the options and negotiate to avoid greater consequences.

Tips for not falling into over-indebtedness while repaying my loan

Tips for not falling into over-indebtedness while repaying my loan

It will do no good to attend to the commitments of the established loan installments if you cannot stop the consumerist eagerness and resort to new loans to meet superfluous expenses without taking into account your real repayment capacity. The biweekly installment strategies instead of monthly installments may not be enough to save on interest, so it is necessary to change the strategies, so we have some tips with which you can avoid overindebtedness:

– Use a monthly budget and respect it.

– Establishes priorities, respecting the payment of basic services, food, education about other consumptions. You must also honor the debts acquired.

– Eliminates unnecessary expenses, such as interest on credit card consumption or commission payment for card maintenance that you don’t really need.

– Establish your ability to pay realistically, which is a direct measure of your monthly income.

– Gather your debts and attend to the advice of your financial advisor are part of the strategies you can discover. As you can see, the path of financial tranquility begins in conscious planning, evaluating alternatives, requesting efficient advice and trusting your advisors.

How to Pay Credit Card Debt?

If the card debts are not paid within the time specified by the bank:

  • Banks can apply to various situations such as legal sanctions and foreclosures.
  • In such cases, citizens’ real estate can pass to the bank or different problems may occur.
  • In order to avoid such situations, it would be more accurate to follow up the debt correctly and in case of non-payment, contact the bank and prepare various payment plans.

What are Credit Card Debt Payment Methods?

What are Credit Card Debt Payment Methods?

You can pay in cash after paying the credit card debt to the bank branch after giving your user information to the authorized person, or you can make your payments through the bank’s ATM devices. In addition, various payment methods are available for different situations.

How to Pay Credit Card Debt from the Internet?

With the help of internet banking transactions, it is possible to pay credit card debt without card. If you have a deposit account in the bank where you use the credit card, it is possible to pay the debt of your card if there is enough money in your deposit account.

The steps you need to take are the same for almost any bank:

  • Open the bank’s mobile app or internet banking site.
  • After entering the login section, enter the customer number or TC ID number and your internet banking password in the appropriate spaces and click “login”.
  • Enter the verification code that the bank has sent to your mobile phone in the relevant space and click “login”.
  • You can find the ım My cards ”option from the menu and then öde Pay credit card debt” and complete the payment steps.
  • If you do not have a deposit account in the bank where you use the credit card or if there is not enough money in this account, it is possible to pay your debt through another bank account. Thanks to EFT service, you can close your credit card debt by sending EFT from other banks. Some banks do not charge any fees for transactions such as EFT and money transfers , while others make certain money cuts.

How is someone else’s credit card debt paid?

How is someone else

It is possible to pay credit card debt on behalf of someone else. In this case you do not need to have a card.

If you pay someone’s credit card debt:

  • Bank or ATM devices do not provide you with content that indicates how much you owe. By using the yat credit card payment ”option in ATMs, it is possible to deposit any amount of money on behalf of that person.
  • On the other hand, if user information and password are known in the cardless transactions section, it will be possible to make the payment even after entering this information.

Credit Card Debt Payment with Configuration

Credit card debts are a headache for many citizens due to unconsciously excessive spending.

If you do not pay these debts on time:

  • Two months after the statement date, the bank will refer you to the loan debt advice unit.
  • Customer representatives often contact you in case you have forgotten your debt. If you tell the customer representative that you want to structure the debt, he will help you with this.
  • The credit rating does not matter when structuring the debts of the credit card.
  • You can easily configure your credit card debt, even if your salary is in execution, and many banks take you legally. There is usually no problem in this regard.

Configuration of credit card debt:

  • It covers your debt up to that day and interest on that debt.
  • If you do not repay your debt in advance, banks will set up a debt repayment plan for a period of up to 9 to 24 months for easier repayment of the debt.
  • In order to repay debts of less than 3000 Turkish Liras , banks usually issue a 12-month term debt plan.

One of the other options is:

  • This is a payment plan that you do not receive any payment for a certain period of time and then begin to pay it again. If such a plan is prepared, the credit card will be deactivated and you will not be able to use it again.

Credit Card Debt Payment with Debt Transfer

Credit Card Debt Payment with Debt Transfer

If you have more than one credit card and you are faced with various problems in tracking or paying debit statements, there is a way to make your job easier. You can collect your debt to more than one bank under the same bank by paying in equal installments.

Not all banks allow transactions for debt transfers. Therefore, if there is a bank that you intend to transfer, you should first contact the bank and ask if this is possible.

For debt transfer:

  • When you apply, you will also benefit from taking the documents such as title deed, income certificate with you. In this way, the bank offers you the most appropriate loan options because you have drawn a reliable profile.
  • The bank will first want to check the status of your credit card debts. Therefore, you must either provide collateral or authorize the institution to pay the debts by the bank.
  • Thanks to the loan you will receive from the bank in question, you can close all of your current debts.
  • When this happens, all your debts are collected under a single bank and you will only have one statement. Of course, in case the debt transfer takes place, the money out of the pocket will increase a little more, it is worth noting that.

Credit Card Debt Payment by Consumer Loan

If you do not want to close your credit card on the one hand while paying your credit card debt on the other hand and in case you may need it later, you can do a good market research and take a low interest consumer loan if you do not want your credit rating to fall down because you cannot pay your credit card debt on time. You can close the debt of your card with the credit you have taken. This method will work for you because it is not possible to pay off the minimum amount and finish the main debt.

Also at this point:

  • When you apply for a personal loan from the bank, you must make an income statement to the authorities and convince the authorities that you have not experienced any difficulties in payments so far. In this way, you can get your credit in a much more comfortable way.
  • If your credit rating is low, the bank is likely to have difficulty in lending. Therefore, you should make an effort not to decrease your score during your shopping with banks.

Closed Credit Card Debt How to Pay?

You can pay the debts of the credit card you have closed through other banks, or you can go to the branch of that bank and pay by hand. In addition, if you have a debit card belonging to the bank that you have closed the credit card, you can pay the debts by ATM or internet banking.

What is smarter: saving or paying off a loan?

“I also get nothing for my savings anymore.” But in the meantime just keep saving nice. Recognizable? Probably. Because in the spring the total money box in the Netherlands amounted to € 343.6 billion. also has a loan, and I don’t understand that very well, because a loan costs much more than saving, which is why this week the key question is:

save or repay a loan ?

save or repay a loan ?

Average savings interest less than 1%

The savings interest has fallen dramatically in recent times. The interest rate of most large banks is below 1%. This negative trend is expected to continue. Time and time again the European Central Bank lowers interest rates. This makes money increasingly cheaper. And so banks want to pay less for consumers’ savings.

High savings tax

It is not only the low interest rates that make it unattractive to save. There is also a saving tax: the capital gains tax. If you have more than € 21,333 in savings, you must pay tax. Namely about the assets above € 21,333. When calculating the savings tax, the Tax and Customs Administration assumes a return of 4% on assets. You then pay 30% tax on that return.

Many people think it is unjust. I agree with them. Of course, if you invest your money smartly, a return of 4% is certainly achievable. But for most people the money is just in the savings account. With a return of less than 1%. That is 3% less than the notional return that the Tax Authorities calculate.

Your savings are also worth less due to inflation, which means you lose double money.

money with cards

Then better repay

As long as you do not borrow money and only save money, a low savings interest still remains more than no interest. But if you have a loan on the one hand and you save money on the other, you’d better pay off your loan. Because the interest you pay for your loan is in any case higher than the return on your savings account. Saving and borrowing is a waste of money. Pay off!

Keep a financial reserve

Always make sure you have money in hand. For contingencies. It would be annoying if, after paying off, you have to take out another loan because your car breaks down. Easily calculate online how much you should at least keep on hand on the Nibud website.

Hopefully it is now clear to everyone what the benefits of paying off are. And especially that it costs unnecessary money to both save and borrow. So don’t. Just pay off your loan and enjoy a debt-free existence.

What is Find Loan?

In order to offer you their products, banks will first look at your Credit Rating and make use of their products if they are high (eligible). There is an organization called Find Loan in the easiest way to learn this credit rating. With Find Loan, we can easily access our credit rating and risk report. What is Find Loan? How to use Find Loan?

Article Content

  • 1 What is Find Loan?
  • 2 Find Loan Free Credit Grade Learning

What is Find Loan?


Find Loan partnership of Turkey’s leading and established cooperation with 9 different banks, Credit Bureau (KCB) by the mirror is a financial service that is implemented. Find Loan is your mirror in the financial sector and it prepares you for the financial sector (Banks). You can query your credit rating, learn and create your current risk report.

As you have learned your credit rating, you can generate a current risk report and receive your risk report as you wish in any period. Subscribing to Find Loan is free, but after the first query, you will be charged. With very low numbers, you can reach all your information in banks and analyze.

At the same time, It offers specific tactics for upgrading your credit rating and helps you upgrade your credit rating in a very easy way.

Find Loan coaches you to improve your credit rating.

Information Find Loan is the safest way to learn your credit rating. It works in collaboration with banks and was established by the Credit Registry Office (KKB). Be careful not to share your information with fake sites.

Find Loan Free Credit Grade Learning

With Find Loan, you can learn your credit score in a free and short way. If you are registering for the first time at Find Loan, you can read our Find Loan Free Credit Note Learning article.