Veronica Berg received a credit card that she had never asked: "It's a terrible way to make money.

– The deadlines yes. I've taken down the deposit of about 5,000 crowns, but then I'm entitled to 6000 extra crowns in my pocket. "Come on, buy more!" Says Veronica Berg.

It annoyed him.

Mountain is a student and has a limited economy. She was shocked when she found the bank's credit card in the mailbox. She says that, of course, it belongs to everyone if they want to use the card, but believe that it is to exploit beforehand people who are in a situation. difficult financial situation.

Can take money

– We talk so much that young people have a lot of debt and consumer loans, but you can imagine young students sitting with this card in your wallet: If you do not You do not have a lot of money to count, so it's fast to take a five-hundred-leg, she says.

Berg says that she later found an email that the card would appear in the mail. However, she believes that sending such credit cards with a higher amount than requested is to tempt the customers.

– The most foolish thing is that you can spend money for anything. She says.

When the accident occurred

That a washing machine or refrigerator smokes at an inconvenient time is not uncommon. According to Cecilie Miller of Santander Consumer Bank in Norway, many people can not afford to cover such an expense. She adds:

– In such a situation, the financing solution through the store can be a good solution.

Miller says you can choose to defer your payment or pay over time for a fixed amount. She says the purpose of the product is to create predictability for the customer in terms of monthly costs.

– The customer is informed that the trading account is given as a credit card with card, both in the application process and in the terms of the agreement, she states.

– What is the purpose of sending credit cards with a higher amount than is basically required?

– This is to offer a flexible financing solution to our clients. The trading account framework is set according to the item you want to buy and what the customer qualifies for, Miller responds.

She says that the shopping account can be used in many ways. In this case, the customer has chosen a partial payment, she says.

– In case of partial payment, the customer can choose to pay the balance from the month of purchase, with an agreed lump sum. She can of course repay any unpaid balance at any time. The faster you pay, the less interest and costs are charged in total, says Miller.

– Cutting the Credit Card

Many creditors should not have it, says economist Magne Gundersen in Sparebank 1. He thinks it's a pretext that "it's a good thing." you can ask to borrow something and receive the double.

– That should not be like throwing credit. He's on the brink of noise, he says.

Gundersen explains that interest rates on consumer loans and credits are often high. If you have a payment agreement, be sure to pay back quickly, he advises.

– If you get a card that you're afraid to use, cut it in half and throw it in the trash, says Gundersen. and adds:

– One thing is certain, it is that things will break. Always have money in the back. You do not have to borrow small amounts at high interest rates.

Debt Registers

Consumer debt generally increases in the population. The development concerns Jo Gjedrem, Head of the Consumer Safety Department.

– It is very important that people do not get loans that they can not afford and that the credit rating works, he believes.

He adds that lenders should always disclose the offer and explain the limits and costs of

– There is a new funding agreement on the way. There are many good suggestions, says Gjedrem.

An action soon in place is that of debt registers. He says that you will find here an overview of the plaintiffs' debts in order to make it easier for the banks, he says.

Veronica Berg, meanwhile, wants credit cards to be sent.

– I did not activate the map, and I will not do it either, it sticks.