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Apply for credit card or credit – What makes sense when?

The credit card – from the purses, it is now indispensable. No wonder, it can be quite comfortable and pay for almost everything without cash.

For a long time, credit cards were the status symbol of the “rich”. Meanwhile, the little plastic cards are available for everyone. A credit card is usually applied for with the credit card because a “real” credit card has a so-called credit line. Credit cards are particularly useful when a loan is required at a low level and over a short period of time. Since the utilization of the credit line can be up to the full amount but also the debt trap, should always be considered optional on a low-interest installment loan – depending on the purpose and need.

The credit card – Convenient loan for emergencies


Credit cards are now a worldwide accepted form of payment. A division takes place mainly according to the method of payment in cards with and without a credit line.

For the classic credit card, a credit line is common. Within this credit limit, the cardholder can make purchases. The amount claimed must then be repaid after a contractually agreed period. For some credit cards, this is done in installments, similar to a installment loan.

For credit cards without a credit line – the so-called prepaid credit cards – the debiting of the invoice amount takes place directly after the approval of payment from the credit card account.

To apply for a credit card, the following conditions must be met:

  • Minimum age of 18 years (Exception: Prepaid cards with a credit balance are often issued as early as twelve years)
  • Main residence in Germany (to safeguard the liability claims of the bank)
  • sufficient creditworthiness (necessary for applying for credit and revolving credit cards)
  • Legitimation (medium postident or videoident method)
  • Clearing account for the reimbursement of card transactions (Source: credit card )

Applying for a credit card is usually quite straightforward. It can be done directly in the branch of the house bank or online. It makes sense, especially when applying online for a comparison, to find the best possible conditions.

The following information is required for the credit card application:

  • First and last name of the applicant
  • Date of birth and place of birth of the applicant
  • Residential address of the applicant
  • marital status
  • Number of Children
  • Occupation as well as information on income
  • Information on the residential status (eg home, rent, etc.)
  • Pre-address (if moving within a certain time before application)

Based on this information, credit card companies obtain information about the creditworthiness of the applicant, so the information plays an important role in deciding whether or not to accept the credit card application.

Credit card can easily be applied for online

Credit card can easily be applied for online

It has become child’s play to apply for a credit card online. On the home PC, the application can be made around the clock. Mostly it is not quite without paperwork. As a rule, it is necessary to print out the application or have it sent to you and then have it legitimized by means of the Postident procedure in accordance with the Money Laundering Act. However, some providers also work with the videoident method for legitimacy.

The application takes different lengths depending on the credit card, with Videoident the processing time is usually shortened. Prepaid credit cards that do not receive a Schufa request are usually sent faster.

Alternative to the credit card: the credit

Alternative to the credit card: the credit


The use of a credit card with a credit line can quickly lead to the debt spiral. A cheap alternative to the credit card can be a loan. This can now be applied for online without any problems.

The use of a credit card is always problematic when it comes to a higher amount for financing, which also can not be paid within a very short time usually two to three months. In this case, the application for a installment loan makes much more sense.

But why is that?

Quite simply: The interest rates make a loan cheaper. This is especially the case with online loans. The sometimes large difference between the interest rates of credit cards and loans can have a significant effect on the amount of monthly installments to be paid. The total repayment amount for a loan is usually effectively lower.

Applying for an online loan is just as easy as applying for a credit card.

For the application, the following information is usually mandatory:

  • Age of the applicant (and possibly a second borrower)
  • permanent residence in Germany
  • sufficient credit rating
  • Account in Germany
  • regular income (provable by salary statements of a permanent employer or a pension or tax assessment)
    (Source: )

Online loans are – as the name suggests – completed on the Internet. The comparison also takes place on the Internet and should be carried out as thoroughly as possible. After the preliminary decision of the bank, however, the application must also be personally signed and returned to the lender by means of a postident procedure. The installment can be adapted to the personal situation and is consistent monthly, so planable.

Conclusion: credit card or credit? – Decision must be made individually


If you are unsure about whether you should apply for a credit card or a loan, then first ask yourself what you need the money for.

If the issue is higher and can be planned, an online loan will be rather worthwhile due to very favorable interest rates. However, if an issue becomes very short-term and unplanned, then using a credit card may be more beneficial.


Your best credit option

Nick Adams is not based on lending money, but on advising those who need it. It offers customized and unique solutions tailored to any urgency, so it will free you from spending time on long searches, here the best option will be guaranteed. More than 10 million euros lent in almost 1 million loans is the endorsement of what this fintech is doing.

What advantages does bring me?

What advantages does bring me?

  • It’s fast, safe and easy. The process is very intuitive and clearly explained about everything you will need. In addition, all information is safe and confidential.
  • Service of fast credits of 100 to 1000 euros, even without interests if that possibility existed.
  • It is flexible, simply select the money to request and the time you will need to return it.
  • You save a lot of time, since it is 100% online, without endorsements, without paperwork, without payrolls, all accessible to just a few clicks.
  • It is a technological portal, which has developed the most advanced tools to offer you the best solution.
  • There are no hidden or additional expenses or small print. It is a transparent portal, where you can see the total cost of the credit before confirming it.
  • You receive a response in less than 15 minutes. Once your recommendation is confirmed, in a maximum time of a quarter of an hour you will receive a response confirming the status of your case.
  • You can borrow from your mobile phone and / or tablet, which means that you can carry out the operation from any place where the internet is available.
  • Very high acceptance rate, of almost 96% of the applicants.

What are the requirements that needs about me?

  • Have an age between 18 and 80 years, at the time of requesting credit.
  • Be a resident in Spanish territory.
  • Have account in a national bank.
  • Have an email account and mobile phone.

Loan details

  • You can request a loan for securities that do not exceed € 1,000 for new customers.
  • If you are already a regular customer the credit will grow gradually and then you can apply for larger amounts.
  • The institution gets in touch with the client in just 15 minutes
  • Possibility of credits without interest.
  • The repayment terms of the loan can vary between 5 days as minimum term, and 30 days maximum, for first loans.

What do I do if I can not pay my loan on time?

Unfortunately it is a situation that occurs more often than we would all like. Therefore always going to try to find a solution as advantageous as possible for all parties involved.

  • You must inform the lender, as soon as you realize that you will not be able to make the payment, that you are in that unwanted situation and that you want to find a solution for it.
  • In most cases you can request an extension of the term, which will vary from a few days, to more than a month. And depending on the case, it may carry an implicit cost, or not, although the extension commission is definitely lower than the delay fees.
  • If, on the other hand, you do not pay on time, you will be obliged to face the interest for delay, which depending on each situation, can vary from 1% per day, to late penalties and payments for notifications that can take you to the lists of ASNEF and similar. That is why it is advisable not to go to this extreme and be sure when the payment can be made.


Easy Credit


Easy credit is a loan of up to $ 300,000. It is very easy to get because you do not have to provide payroll, documentation, endorsement or guarantee to receive your money. Easy credit is characterized above all by the fact that the lender has no real security when it comes to offering you a loan. In other words, there is no guarantee or assurance of whether or not you meet your payment obligations. Sutpen family helps you receive your easy credit between $ 1,000 and $ 300,000 without interest with a repayment term between 7 days and 48 months . You will have your answer in 15 minutes. Apply, review and accept your 100% online money from home!

What is easy credit?

Easy credit is a mini loan of a relatively low amount, less than $ 300,000. We offer you an easy credit from $ 1,000 without questions and without paperwork to solve any unforeseen event or simply to make ends meet.

A quick credit can be used to, for example, go on a trip, pay bills or to buy yourself a whim that you can not afford at this time. You can also use your quick credit to buy a cheap car or to do a renovation in your house, remodeling your bathroom or improving your kitchen. It sounds good, right?

Applying for easy credit is a flexible way to get credit instantly from your computer or mobile without leaving home . You choose the amount (between $ 1,000 and $ 100,000) and the term of the loan (between 7 days and 48 months). In addition, you can always return your loan in advance at no additional cost.

How can I request an easy credit?

Go to our home page, choose the amount of money you want to request as a loan and also choose the return period. When you have decided on the easy credit you want to receive, click on request! to start your application. Filling out the application will only take a few minutes and your money will be in your bank account in less than 24 hours .

Sutpen family works as an intermediary, connecting people like you (interested in easy credit) with leading lenders in Spain willing to offer credit without complications. We work with more than 20 financial entities to offer you an easy and personalized loan . When filling out your application, we will look for the best credit option in a matter of minutes.

The credit institution chosen to offer you the easy credit answers you in 15 minutes and the loan payment is usually made in a couple of hours . The entire process is 100% online using any device connected to the internet. You can request your credit from your computer, mobile or tablet. Sutpen family does the heavy lifting for you, searching, comparing and delivering the best available credit offer, tailored to your profile.

Easy credit without interest 0%

Easy credit without interest 0%


If it is your first time requesting easy credit with Sutpen family, and you have never used the services of the chosen lender to offer you fast credit, your money comes without interest. You do not pay others, you just have to return the borrowed money with 0% interest.

Get your first interest-free credit and pay it up to one year! If you request $ 300,000 today you will have up to 48 months to return the $ 300,000 only, without paying commissions or fees.

Quick money even in the Bureau

Microcredit and urgent loan services have increased in demand in recent years. Getting fast money online has become normal. Only with doing an online search, you will find thousands of options. But the best thing about requesting your quick money even if you have unresolved debts, through Sutpen family is that we offer you the loan you need without interest, without payroll, without documentation and whatever your situation is.

With a situation of unemployment and competitiveness in Mexico, many families do not have a fixed job and the possibility of providing a payroll as proof of income. Also, if for some reason you have not paid an invoice or owe money to a company, you can find yourself in a defaulter file, which makes it difficult for you to receive financial services and request services with installment payments.

Sutpen family lends you a hand even if you’re in the credit bureau . Either to use the money to get out of the debt that has you there, handle that unexpected expense or just want to make a treat for someone special, or for yourself.

Apply for your quick loan now to solve any problem

Apply for your quick loan now to solve any problem


Use your loan as you want to buy and pay for anything:

  • Go on a trip
  • Buy new clothes
  • Pay your children’s license plates
  • Pay your insurance
  • Fix your car
  • Pay your debts
  • Join a gym
  • Remodel your house

The requirements to receive your credit online 


To receive your easy credit through our platform you only have to:

  • Be between 18 and 80 years old
  • Reside in Mexico
  • Have a national bank account
  • Have an email account
  • Have a mobile number
  • Have your CURP or IFE

If you are looking for easy credit, here you have it. Sutpen family offers up to $ 300,000 without interest with a repayment term of up to 48 months. Your answer arrives in 15 minutes and your money will be in your bank account in less than 24 hours . Start your application now 100% online and receive your money without leaving home using your laptop, mobile or tablet.


Getting a loan has never been so easy

The group that OK Money belongs to is called DFC Global Group, a global and globally recognized company that increases confidence in the product, through its well-known reputation with more than 1000 offices, and its excellence in customer service. Another factor to take into account is the membership of AEMIP, which is one more weight in the balance of why we can trust them. They advocate clarity and transparency, which is appreciated. They also offer 3 different modalities to adapt to a wider range of clients: 1 payment, 2 payments, and up to 6 payments, increasing loan amounts in proportion to time.

Why should I use Okmoney?

  • Immediate response to the loan application, as soon as you do the application process through the web, you will know if the loan is granted or not.
  • The customer has the money quickly, without paperwork or hidden charges
  • Convenience to request 100% online loans, avoiding all the problems that traditional banks offered, such as queues, displacements or the need to return because documents are missing.
  • 30 years of financial experience with the AEMIP guarantee, which increases and reinforces the trust in Fintech companies.
  • Loans and microloans for what the client wants: student loans, trips, motorcycles, personal loans, projects, etc.
  • Process clean and clear, flexible and reliable.
  • Also available for Iphone and Android

What do I need to prove to obtain the loan?

What do I need to prove to obtain the loan?

  • To begin, you must have an age between 22 and 70 years at the time you are ready to apply for the credit.
  • You must also be a resident of Spanish territory.
  • Have a minimum monthly income of € 500 and be able to prove it, through a payroll, proof of rental income, unemployment benefit, etc.
  • Possess a National Identity Document or NIE, which in any case must be in force, in order to validate and identify you.
  • Have a personal mobile phone number in addition to an email address, to carry out the usual operations of communication, verification, validation, etc., necessary actions to request and receive the microloan.
  • Provide the debit card number to collect the loan
  • Not having another active loan in Ok Money
  • Not have entries in the delinquency register (ASNEF, EQUIFAX, EXPERIAN, RAI)

Loan details:

  • Micro-loans of € 100 to € 400 with return in one or two installments, if this is the first time you use Okmoney services.
  • Loans in installments of € 500 to € 1,000 with repayment up to 6 months, for users registered in successive loans.
  • Up to 3000 euros for customers with good credit history and successive loans, to return in places of between 3 and 6 months.
  • The commissions and APR will be variable, depending on the terms and amounts selected. These interest rates are calculated annually, therefore, the shorter the return period, the lower the interest rate will be implicit.
  • The loan is obtained in 48 hours

What should I do to repay the loan?

To perform this task, okmoney offers different alternatives that facilitate the user to complete the process, including the following:

  • For revenue at the CaixaBank or Santander windows
  • By means of a transfer, either through online payment or through a window, but always with the following details:
    • Add as recipient Rapido Finance (okmoney).
    • CaixaBank account number: ES24 2100 0600 8302 0294 6726, always indicating in the transfer concept your national identity document, followed by the loan number you have requested.

What should I do if I can not pay my fee on time?

What should I do if I can not pay my fee on time?

In case you can not pay on time, you must inform OKmoney as soon as you know, to reach an agreement on how to solve the problem. It is possible to extend the period of such return by one month, for which purpose you must notify before the end, and pay at least as a penalty, the cost of commissioning the first loan. You can make this extension even on 3 occasions, but keep in mind that if you can not make the payment, your data will become part of the collection agency Intrum Justice.

Other interesting details to keep in mind

Other interesting details to keep in mind

  • The website of okmoney, offers you a credit simulator, so you can know at all times what are the numbers that complete the amount of the transaction, and always be your decision without surprises accept these terms.
  • You can not have more than one active credit with them. If you need another you must wait to have made the relevant payments and have paid off the debt.


Loan Rent

Developed exclusively to finance the income statement, either totally or partially, therefore, for that specific purpose, an amount of money is offered from a minimum of 300 euros up to a maximum limit of 1,000 euros.

The operation has a fixed interest rate of 5%, during the entire agreed period, therefore, the advantage is that the applicant will know previously how much will be paid each month as a loan installment.

For its part, a period of time is foreseen for the cancellation of the product not exceeding 9 months.

In this way, in order to the frequency of payment, the fees will be fixed and monthly.

To access its formalization is essential to be a client of the entity, holder of a payroll account with an age from a minimum of 3 months, also, it is required to be a resident in the Community of Madrid.

Although, it is exempted from the commissions related to amortization or early cancellation and via feasibility study, it will be necessary to face an extra cost for the opening commission equivalent to 3% of the requested capital.