Credit banks tricks

1. Outstanding loans.
The essence of this trick is that the person making the last stipulated payment schedule for the loan, it does not extinguish the whole, and the bank should remain insignificant amount - ten or twenty rubles. How is this debt - is another matter, which just below. The main thing is that it remains! And the bank on this minuscule starts cranking interest, penalties, etc. Cheat quiet, little by little. Runs for almost three years (three years - the period of limitation) and the bank suddenly this man already forgotten about the credit, requires him to finally repay the loan. Only it is no longer about a few rubles, and several thousand rubles! And that is as it were godly. There have been cases (for example, "Rosbank), when the person to repay the loan, called after six months and reported that he owed the bank two thousand rubles - at maturity. And now this amount has increased to 35 thousand. Rubles! That is alleged outstanding amount simply to invent! "I'm paid!" - Rightly indignant people. But to prove anything he could not, because of the payment receipt he had already safely discarded. And if a man managed to preserve and present them to the bank and there with a sigh referred to a computer malfunction. With a sigh - because it was not possible at this time to steal money from the man.

Antidote:
In order not to fall for this trick bank, just enough after the final payment certificate request that the loan fully repaid. And of course, it is useful to keep all receipts for payment, at least three years.

2. The old salary card.
Fairly common everyday situation - a man for any reason goes to the service to another bank. A zeroed credit cards old bank throws. But after a while they (or rather in the bank account, which was not closed) appears negative balance - the bank wrote off the money for annual maintenance. And then the scheme described in the first trick, with the money run over interest, penalties, fines, etc. And then, when passed over a tidy sum, the bank calls the former client.

Antidote:
In order not to fall for this trick you just need to close your bank account. To do this, you must come to his office and write a statement. And, of course, do not forget to get a certificate that the account is closed.

3. Technical overdraft.
This trick bankers crank debit cards, which allow you to shoot them with more money than you have in the account. In other words, this trick is used with bank cards that are running an overdraft. It should be remembered that, firstly, the interest on the overdraft facility can be simply draconian. And, secondly, it must be repaid immediately, but not often, as on a conventional loan.
When an unintentional care less? When you do not know exactly how much you have on the card money and take off more than it is. There were times when a person needs to be removed, for example, 870 rubles (the money). But ATM offers to remove 900 rubles - bills of smaller advantage than $ 100, it does not. The man agreed, took off and went negative. And very soon these minus 30 rubles turn to minus 300 rubles.

Antidote:
To know exactly the balance on your card, you must connect SMS-banking. Just keep in mind, it is also an extra charge (an average of 30 rubles. Per month). And with zero balance on the card he can "help" you go into minus.