급전
In situations where money is urgently needed, judgment can become clouded and poor decisions can be made. Be careful not to fall into bigger problems by trying to solve immediate problems.
The most dangerous aspect is illegal private lending. Unregistered lenders, such as those offering loans through social media or the internet, often charge interest rates exceeding the legal maximum or employ illegal collection methods. Don't be fooled by advertisements like "loans for the unemployed," "loans available for those with bad credit," or "same-day loans." Always check the Financial Supervisory Service website to verify that the lender is registered.
Credit card cash advances and credit card loans also require caution. They often carry high interest rates of 15-20% per year and can negatively impact your credit rating. In particular, receiving cash advances from multiple cards simultaneously risks being classified as a multiple debtor.
Illegal cashing practices, such as cell phone scams or gift certificate scams, should never be undertaken. These are clearly illegal acts, subject to criminal punishment, and can severely damage your credit rating. Furthermore, the actual amount received is only 70-80% of the face value, resulting in significant financial losses.
Be cautious when borrowing money through loan brokers or loan agents. They may ask for upfront fees, misuse personal information, or charge higher fees than legitimate financial institutions. It's safer to contact the financial institution directly.
Borrowing money from acquaintances is also a matter of caution. Financial transactions can damage relationships, so it's important to draft a loan agreement and establish a clear repayment plan. Even if you need emergency funds, it's wise to choose a safe and legal method with a long-term perspective .