Good credit, what is it and how do I apply for it?

Once again this blog talks about quick credits. Those who provide us with a cash injection at a critical time. For many, bread for today and hunger for tomorrow; Others see it as the best way to get around a particularly troublesome situation. Among the many entities that provide this type of credit, Good credit is one of the most famous. Let’s learn a little more about the Good credit.

Good credit: personal and renewable

Good credit: personal and renewable

There are two types of Good credit:

  1. Personal: the most common. The entity makes available to the client a certain amount whose return will be subject to a previously established term and interests. The ultimate purpose of money is not a valuable aspect.
  2. Renewable: in this case, Good gives the borrower money that he can use in its entirety, or not. The amounts that are returned monthly will be, again, available to the client in case they need them in the future.

The staff, the most common Good credit

The staff, the most common Good credit

It is clear that of the two variants previously observed, it is the first, personal loans, which is most commonly requested. If we think about Good Credit, surely this type of product comes to mind for most of us. Let’s see how they work.

  • Amount: in this type of Good credit loan, the entity can deliver up to 6,000 USD without giving information about the destination of the money and with a bureaucratic component and certainly little paperwork.
  • Time: in 24 hours we may have the money in our hands.
  • Application: online we can request a credit at Good. It will be enough to carry out a credit simulation, fill out the subsequent form and, in a very short space of time, we will receive a response.

Obliged to warn of the risks

Obliged to warn of the risks

As always when we deal with the subject of this type of credit, we are obliged to warn of the risks that its heading entails. Obviously, the possibility of obtaining an amount of money in less than 24 hours and without giving explanations is, simply put, “very greedy”.

However, before taking the step, we need to be able to cool our heads and assess all circumstances. The money from a Good credit is far from being given away. You have to return it, and more than. Therefore, it is convenient to make numbers and inquire in the small print of the contract before signing. Only if we are absolutely sure of being able to return it should we hire it.

Claims on the rise of personal loans

The Murcian Association of Consumers and Users has attended, during the first half of this year, a total of 2,892 queries and claims. The increase in 65 cases related to personal and mortgage loans stands out.

Personal or mortgage loans have been the economic sectors

Personal or mortgage loans have been the economic sectors

Specifically, telecommunications, administrative procedures, electricity companies and personal or mortgage loans have been the economic sectors that received the most inquiries and complaints from consumers and users during the first half of the year in the Region.

The first place was occupied by abuses and fraud in telecommunications, with 800 queries and complaints, occupying 27.6 percent. The highest percentage was reached in the mobile telephony sector, presenting a total of 331 queries and 236 claims, a percentage followed by 94 queries and 62 claims by landline users and 48 queries and 29 claims by service users. Internet access.

Irregular imposition of penalties

Irregular imposition of penalties

Among the reasons for the complaints to the companies that offer telephony services, both mobile and fixed and Internet access, stand out the irregular imposition of penalties for the cancellation of services, misleading advertising, non-compliance with offers and the collection of services. not hired, among others.
The second place in the balance of queries and claims was occupied by queries related to general administrative procedures, which amounted to 623 queries and 2 claims, reaching a percentage of 27.3 percent of the total number of queries received.

The third place, with 9.3 percent, is occupied by 270 queries and claims submitted for irregularities in the electricity supply.

Claims have been motivated by problems in billing

Claims have been motivated by problems in billing

The largest number is found in queries. During the first semester of this year, a total of 222 consultations were attended, compared to the 48 complaints presented.

The claims have been motivated by problems in billing, as well as the lack of reading of the meters in the homes, causing in some cases an increase in electricity bills, which were sometimes sent to the user every six months and even with character annually, with the consequent damage to the user.

Another sector that registers a significant number of inquiries by consumers and users in Murcia during the first half of the year has been the banking sector, specifically personal or mortgage loans, reaching a total of 112 inquiries and claims against 47 registered in the same period last year.

This significant increase corresponds to the impossibility of many Murcian families to meet their mortgage, due to the current economic situation. Likewise, since 2010 it has provided a mediation service with banks in order to avoid loss of home due to non-payment.