When is there any sense to take a loan from the bank? May a credit card become an additional argument for financial planning? Is it important to avoid borrowing in principle, or is it better to take advantage of the benefits of credit programs? There are so many harsh questions in the modern world of consumerism and here are some answers.
Many people claim that the banks are greedy institutions which want only to make use of their clients. However, one has to remember that banking is a business created for generation of profit. In case a bank will not get any profit from its operations, it will not be able to operate in the first place, providing such services like Internet payments and other, let alone lending money to clients. Surely some banks have less favourable conditions for clients than others, but it is the client who decides what bank to use.