I do not recommend this bank to anyone. Their only advantage is fast loans, that's all. But there are a lot of disadvantages.
The highest interest rate. Do not believe that their rate starts at 28%. When a loan is issued, the interest is always 49%.
They are being withdrawn from your other cards without your knowledge, even if you did not link this card to the application.
They do not withdraw the monthly payment themselves during the time, then they charge you a huge amount for the debt with penalties.
The operators (not all, but most of them) are incompetent, rude. They don't know how to communicate with people.
When I began to figure out for what reason money was withdrawn from a credit card, and from my other card without my knowledge and to my dissatisfaction, the operator replied that no one forced me to take out a loan and that if I did not like their bank, I did not use their services.
And there were also cases of my sister's debt. A bank employee called. He didn't even introduce himself, who he was, and for what purpose he was calling. I started asking if I was my sister's sister. And he said that she had an overdue loan. When I asked what date and what her debt was, they told me that they had no right to say. That is, to give information to a third party. When she asked why you were calling me, they told me if I took over her debt, they would tell me. If I don't promise to pay the debt, they won't tell me what her debt is.
Then it turned out that they themselves did not withdraw the monthly payment from the credit card on time, despite the fact that there was money on the card. We waited 5 months until the amount became higher with the penalties and only then called to remind us of the delay 🤡
I do not recommend this bank, they are good with you when you apply for a loan. As soon as problems start, this online digital bank ceases to be competent, the operators report different information, if you need to withdraw your money from an application that has errors, then you need to wait at least 48 hours for them to review, and then they will take another day, and this is to withdraw your money from your account. One thing is written in the Contracts, but in fact they do it differently, you call and again each operator asks you to wait and gives you different information, they will tell you to leave a request that needs to wait at least 48 hours, but they will tell you that we will speed it up for you.
Do not come to this bank. They issue a loan very quickly, then if there are questions or problems, no one answers, does not help solve the issue, one negative to this bank. My friend's son was given an online loan, who is in his second year of contract studies. He opened a credit on a plastic card with a turnover of no more than 500,000soums. When the debt was overdue, of course, the staff started writing and calling, and then the parents found out that the student had a loan. Dad decided to call and find out the amount of the debt, a bank employee picks up the phone and did not even ask the full name of the lender and his father, did not answer in fact and declined to connect with the head of the loan department. In fact, the issue was not resolved, they called several times, no one picked up the phone, an incomprehensible work schedule, incomprehensible employees, and an incomprehensible bank. I don't recommend it!!!!!