Ever since the Croatian Banking Association (HUB) decided to network banks in order to monitor customers and their consistency in payment (among other things), the so-called black list has been established. The black list (or non-payment list) lists the names of all who cease to fulfill their obligations towards the bank (pay installments on time, keep a certain minus, etc.) and the banks once a month “update” the list of names – in short, for all of them who hoped otherwise, for example, if one of the banks refused to give you a loan explaining that you were blacklisted, you would not get it at any other bank – the data is the same thanks to the so-called Information Sharing System (SRI) – thanks to to which in each bank there is a list of persons who are disorderly paying; by loans, current account, credit cards; anyway. How to get credit if you are blacklisted ?
The process that leads to the blacklist
Most often, the black list also ends with citizens who either had regular income and employment and lost their jobs, or those who actually still have regular income and employment but who are two months late in repaying their loans, most often because their employer is not on time paid off their income.
However, such employers generally continue to do business because it is too complicated for the whole system to deal with them, and for non-paying citizens there is increasing causation. of which there are more and more every day. And so the average customer becomes a kind of victim of the labor policy of Croatian Networked Banks. And while citizens are wondering how to get a loan if you’re blacklisted, their employers don’t care. Nowadays, fast sms loans can also be raised online in Croatia, which facilitates the application and conditions for payment of the loan.
All of the above clearly shows that the way in which the HUB and banks operate is far from perfect, especially when we add up a debtor who is blacklisted, it remains the same for a full year after the bank has paid all its debt …
Loans – who doesn’t repay them and why
In order to avoid thinking that we are living in a country where people simply choose not to fulfill their obligations and payments, it is good to mention that according to the Croatian National Bank (CNB), Croatian citizens are usually just paying, only 5 percent of them does not repay loans.
And those five percent probably didn’t choose the latter between payment and non-payment, but most of them were probably forced to stop paying loan installments for economic reasons and general financial instability, so they ask themselves and look for a solution on how to get a loan if you’re blacklisted.
How to get credit if you’re blacklisted
But before we start hatching the HUB, the state and the whole system, it is correct to mention how banks, whether they agree with their system or not, contact every customer before marking it as unpaid; the bank will always try to reach an agreement with the client, and only if it fails, will it be blacklisted. So how do you get credit if you’re blacklisted? The answer lies with credit institutions, which – in the midst of the global crisis and the massive rise in credit demand – have actually emerged as an expected and logical occurrence.
Following the huge demand for loans that banks could not meet, credit companies found their place in the market and emerged offering safe and reliable, fast loans, without guarantors or pledges, without blacklisting and without any complications in the realization of loans, and thus citizens no longer have to ask how to get credit if you are blacklisted. Thus, citizens were given an alternative to banks, which until a few years ago held a monopoly on lending. Blacklisted clients have finally become available, and credit is the most acceptable method for many today.