OREANDA-NEWS.  July 24, 2013. Everyone can face the need of additional funds, being in the situation when there is not enough cash in the wallet, but it is necessary to pay for products and services every day. The best decision is offered by the JSB “Kyivska Rus” – a short-term loan to the payment card – overdraft.

An overdraft is a short-term loan provided by the Bank within established credit limit and automatically repaid after each crediting to an account.

Benefits of an overdraft:

establishment of an overdraft limit is not a provision of a loan. Pursuant to this, Your obligations to the Bank appear when you have used an overdraft, in other words, have got the cash or paid for products on the amount, exceeding the balance of your account;

You can use a loan at any time with your payroll card by getting the cash or paying for products and services. An overdraft is a restoring credit line, namely, credit funds are accessible to use after credit repayment;

interests are charged only on actual used loan, not on the entire amount of overdraft limit and only for that number of days, during which you have used an overdraft;

an overdraft is automatically repaid after each refill of payroll card account, so You do not have to visit the Bank every time;

You can use an overdraft only when you need it and repay it at any time without any fees for non-use or earlier repayment.

Also You do not need to pay any fees for registration and servicing of a loan. You pay only for interests on the usage of a loan. And the cost of obtaining credit funds in an ATM is similar to obtaining your own funds.