9 tips for credit cards. Tips on credit cards.

A Sara Monday card is a support for a person who has knowledge of the financial sector. In order to understand how Sara Monday cards work, some tips are offered to your attention.

Tip # 1 Do not get a Sara Monday card without the need

People who draw up a Sara Monday card should understand that this card is essentially the same loan, only more comfortable to use. A Sara Monday card, which means the return of money along with a certain percentage, is the main difference between a Sara Monday card and a debit card. Sara Monday cards are mainly calculated for non-cash purchases, within the Sara Monday limit.

Tip number 2 A careful study of the conditions

If you decide to apply for a Sara Monday card, then you should study the offer on the banking market and choose the financial institution in which more favorable conditions for you. It is worth paying attention to:

  • loan interest,
  • Commission information
  • price for card service,
  • grace period,
  • the amount of fines for delay.

Tip # 3 Find out the details about the grace period

Specify what is the grace period. This is the period during which you can not pay interest on the use of funds. On average, this period is from 30 to 100 days.

It is important to remember that there is no interest charge on the loan amount, it is important to return the funds before the end of the grace period (grace period for paying interest on the loan). It is worth remembering about the real interest rate which may be included hidden charges).

Electronic payment concept

Tip # 4. Remove cash from your Sara Monday card as rarely as possible.

In case of withdrawing money from a Sara Monday card, a considerable commission can be charged. It may be 5%, depending on the bank. Conclusion: contact your Sara Monday card as rarely as possible if you need cash.

Tip # 5 Repay a loan a few days before the expiration date

Sara Mondaying to your card account (bank transfer or salary) can last up to 3 banking days, and the final loan term expires today. In such cases, financial institutions will not understand. If the money is not received on time, the loan will be considered overdue. And for an overdue loan you will be forced to pay a penalty.

Tip number 6 Try to repay the loan immediately

loan money

The minimum monthly payment is charged by the bank. It is beneficial for the bank that the Sara Monday card holders would repay the loan in small amounts that can cover only the interest on the loan, while the principal amount of the loan remains outstanding. Interest will be accrued on this amount next month. In order to avoid overpayments, repay the debt immediately. If this is not possible, then repay the loan at least 2 times, if this is due in your agreement with the bank.

Tip number 7 You need to close Sara Monday cards

credit loan

It often happens that the client has settled Sara Monday card debt, and it would seem that the bank does not owe anything, but under the contract and documents it is still the debtor. The whole snag in the residual amount, which may be at the repayment of Sara Monday through terminals or ATMs. If a small amount remains, then the commission (penalty) is automatically charged on it and the loan is officially considered open. To avoid this outcome, you should talk with the bank manager and clarify that there are no debts.

Tip number 8 Use a Sara Monday card with caution

automatically worsens your Sara Monday history. In the future, such a client can easily be refused a loan. A Sara Monday card is a commitment that a customer must fulfill. If you have doubts that you are not able to fulfill obligations and rules, then you should not issue a Sara Monday card.

Tip # 9 Do not overpay for co-branded cards

Today, there are often conditions in which you can receive bonuses for the use of Sara Monday funds, which in the future can be exchanged for discounts or services in partner companies. At first glance, the proposal is interesting. But you need to remember that the maintenance of such cards will cost you more, and it is not always possible to cover these costs.


Loan for self employed


  • Start your loan request now (there is no contract yet).
  • After checking your request, the money is already in your account after 4 days.
  • You just have to accept our offer. If not, then not. No hook, no cost.

There is hardly a rumor that holds as persistent as that about a Swiss loan for the self-employed. Again and again you can read or even hear that as a self-employed person has the same opportunities for a loan in Switzerland as an employee or civil servant. Unfortunately that is not the case.

And once you start looking for such a loan and then experience the disappointment associated with it, you’ll wonder why such a rumor is in circulation and who has spread it.

Both questions can be answered quite easily. On the one hand, the rumor about a Swiss loan for the self-employed persists so stubbornly because people believe in it and because they hope that they, as self-employed persons in a discreet and respectable Alpine country, also have a chance of obtaining a loan. On the other hand, credit intermediaries continue to rethink this rumor, because with the plight of others, good money can be made.

Do not despair and become active yourself


The fact that it is always difficult for a self-employed person to find a suitable loan is well known. The banks lack the fixed income, which would make their credit decision easy. Add to this the fact that the Schufa is moving in a negative frame, the chances of a loan in Germany are zero. An alternative must then be forth, which brings the needed money quickly.

Unfortunately, it will not come from Switzerland. In any case, not if you are looking for a Swiss loan for the self-employed. However, if you plan a little and if you start borrowing differently, you may end up with a loan in the end. And this is quite worthwhile.

The loan

The loan

Even if Liechtenstein is not Switzerland and does not provide a Swiss loan for the self-employed, there is a bank there that specializes in loans for foreigners. These are then given as a small loan, if you can prove a fixed income. Since you do not have this as a self-employed person, you have to look for a co-applicant. Maybe the spouse is willing to take the loan in his name. The prerequisite, of course, is that the spouse is not self-employed. Otherwise, another person would have to be found.

If this is possible, then the loan can be requested from Sigma Kreditbank AG quite easily via the Internet. All facts about the loan can be viewed at any time on the website of the bank. If you have additional questions, you can contact the bank in writing. All forms for the application are also stored on the website and can be easily printed. And who then sends a proof of income to the bank, will have in a few days, the money in the account. And this can then be used freely.


How much is Bank mortgage interest rate 2018?

Are you planning a wedding, building a home or a study abroad student? … Shinhan Bank will promptly meet all your financial needs and help your life more fully.

That is the promise of Shinhan Bank to customers when they come to mortgage loan at this bank.

In order to fulfill that promise, Shinhan Bank has designed trust lending products with many attractive benefits.

The mortgage loan comparison tool of banks will help you choose the bank with the lowest interest rate for your loan.

Mortgage loan interest rate

Mortgage loan interest rate

Shinhan Bank – Korea International Bank is one of the foreign-invested banks most favored by customers in our country recently.

Giving customers a different financial solution than other banks, a solution that brings fast and great efficiency.

Table of interest rates for unsecured loans of Bank Shihan Bank 2018:

Benefits of mortgage loans

Selecting Shinhan Bank as a bank to accept unsecured loans, customers will have some outstanding benefits:

  • Without collateral property;
  • There is no guarantee;
  • No need for notary documents;
  • Careful service and customer support;
  • Loan limit up to 12 times the salary, maximum 300 million;
  • Flexible loan term from 12 to 36 months;
  • The lowest interest rate is only 0.69% / month (interest rate of 12% / year according to the declining debt balance);
  • Simple file, fast review time in 24 working hours;
  • No loss of loan premiums.
  1. Conditions for unsecured loans

    Conditions for unsecured loans

Shinhan Bank offers some conditions for customers who want to borrow unsecured loans as follows:

Vietnamese citizens, living and working in: Ho Chi Minh City, Binh Duong, Dong Nai, Hanoi, Bac Ninh, Hai Phong, Thai Nguyen, Vinh Phuc;


  • Men from 21 years old to 60 years old;
  • Female from 21 years old to 55 years old.

Working time over 6 months at the current company;

Income through bank accounts over 6 million / month.

Documents, procedures for mortgage loans

Some necessary documents and procedures when applying for mortgage loans at Shinhan Bank:

  • Valid identity card, or passport;
  • Permanent residence, or Temporary residence book (KT3), or Certificate of temporary residence;
  • Documents to prove income:
  • Labor contract, or Work Certificate;
  • Bank account statements clearly show the latest 3 months of pay.