A client applying for a loan at a bank may face a rejection. Why is a loan not approved? One of the key reasons is a poor credit history. This term refers to all records about how a borrower fulfilled previous loan obligations: how many loans they took out and for what amounts, whether they made payments on time, and if they had any debts. Based on this information, the bank decides whether the client is trustworthy and can be expected to repay the loan.
Today in Kazakhstan, to pay for goods and services with a card, you don’t even need to take out your wallet – the transaction can be completed using your phone. This is contactless payment, which is facilitated by apps like Apple Pay, Samsung Pay, Google Pay, or Garmin Pay.
Vivienne Westwood, the British fashion designer and one of the most famous designers in the world, had a simple style secret: "Choose your clothes carefully, buy less, and wear them longer." She is also known for another famous phrase in fashion circles: "Buy less, choose well, make it last." Unfortunately, most people do not follow this rule: according to statistics, people spend up to 20% of their budget on clothing. Yet many are dissatisfied with the results: money is almost gone, and there's still nothing to wear. This suggests that your wardrobe is likely not organized correctly.