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They are being withdrawn from your other cards without your knowledge, even if you did not link this card to the application.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When I began to figure out for what reason money was withdrawn from a credit card, and from my other card without my knowledge and to my dissatisfaction, the operator replied that no one forced me to take out a loan and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.
I do not recommend this bank to you, because you will get the following problems:
- you will be blocked from the card with money and wait days for the lock to be lifted, and they can block you for operations a month ago (there was a ride on a scooter);
- your virtual card will be blocked for no reason;
- when withdrawing the reward from the deposit from the wallet to the card, this money may disappear from you and then you will try for weeks to get your own money back and they will tell you every time that they will solve the problem tomorrow / the day after tomorrow / 2 days / 3 days / 5 days, and in the end the deadline will be 30 days.
So think for yourself if you need such Hemorrhoids!