There was a case when I got commodity loans from different banks, I wanted to combine them into one and pay in one payment. I came, the girl gathered information about me and almost the entire hall, with an expression, read out my debts. It was very unpleasant. I closed my debts, if it's interesting, since then I haven't been going to this department. Now we have made a deposit "my goal", for accumulation by transfer to the account, this is a plus for you, there is no need to go to the branch, if necessary, I will go to the central one.