Loans are essentially the sale of money with interest and deferred payment. Should you use loans? The question is rather rhetorical: without this it is now impossible to imagine a modern economy.

Credit cards are payment cards that allow a customer to pay for goods and services at the expense of a bank. In the classical sense, credit cards do not provide for the presence of the client's own money on them.

The main advantage of a credit card is that you do not have to go to the bank for another loan every time - the money is available at any time. The big advantage of the cards is the grace period set by the bank - as a rule, it is from 50 to 115 days from the moment you start using the credit funds, during which you can repay the loan without any interest.

Most often, banks set a mandatory minimum payment, which usually does not exceed 5-10% of the loan plus accrued interest. But with such a scheme, the principal debt decreases slowly, you use a credit card as an ordinary targeted loan and deprive yourself of the opportunity to evaluate all the advantages of credit cards. Also note that some banks require early repayment notice. It doesn't matter for other banks. Simply deposit the desired amount into your credit card account. In any case, it is necessary to clarify this issue in advance at the bank during the execution of the plastic.

To make credit cards useful to you, you should start using the services that you will find on this site click here. I wish you good luck and big money