Credit card debt may arise even if the customer does not use it. In an interview with the agency on this subject “Hit the primer” said Kirill Danilov, a lawyer and teacher at the Financial University of the Russian Government.
It was clarified that this mainly applies to credit cards issued by banks when processing other products. In any case, the card is linked to a specific account and can be used by a credit institution depending on the terms of the contract.
For example, payment for SMS notifications or subscriptions can be made by credit card if credited to the same account. Or the customer was allowed to pay the debt on other accounts from the card. All this is usually described in the agreement with the bank.
“Not actually using the card cannot insure the client against debt,” the lawyer emphasized. Therefore, you need to carefully study the contract, in which all details should be disclosed.
In September, Izvestia newspaper reported that Russia planned to: simplify Conditions for repayment of overdue loans for citizens. According to the publication, it is planned to make changes to the procedure for writing off loan payments if the borrower makes insufficient payments in an amount less than the established monthly payment.
Before that, it was known that in the first quarter of 2023, Rospotrebnadzor received about 6 thousand complaints from Russians, of which 4 thousand (66%) were addressed to banks. This was reported in the press service of the department. How banks violate consumer rights and what to do in such cases – in the material “Newspapers.Ru”.
The State Duma had previously made the proposal. ban Giving loans to foreign agencies.