Credit holidays. Another trouble for customers

The newspaper writes that there are signals reaching her, which show that despite submitting applications for credit holidays, banks charge it even a few days before the installment repayment date. “If the installment is not paid, arrears arise. Banks’ customers fear that even if the bank later cancels the installment, such a temporary arrears may lower their creditworthiness” – we read.

UOKiK told Rzeczpospolita that it has signals about such situations and is analyzing them. “It is difficult to talk about any arrears in a situation where the bank has illegally collected an installment. Moreover, taking advantage of credit holidays does not reduce the consumer’s creditworthiness” – informed the newspaper.

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