The Advantages of having a Flawless Credit Rating


Online identification



The Postidentverfahren is a well-known procedure in Germany. As a consumer, you receive a coupon that you use to carry out this identification procedure at Deutsche Post AG. Disadvantages: 1. You have to go outside the house and 2. it is associated with a certain amount of time. has more information


The solution here: the online identification


The solution here: the online identification


[verify-U] is a Cybits product that speeds identification. Many banks are already using [verify-U] to ensure a quick payout. For some, it will seem a little complicated in the first instance, but once done, [verify-U] “vouches” for your identity in the future, using a personal code . The Benefits: Comfortable Home Identification (24/7) and ensuring, for example, quick payment of your loan amount and / or opening your online account.


How does this work exactly? We explain the process step by step!

  1. If your credit check is satisfactory, a link will be provided that will direct you to online identification via [verify-U]. Of course you need your mobile phone, your inbox, your proof of identity and of course the account details. If the link does not work, log in to your Jarndyce family account and start the process from there.
  2. You enter your personal data in the start form.
  3. Next, set a personal password (at least 8 characters including a number and a character), which will be needed throughout the identification process.
  4. You agree to the terms and conditions and privacy policy.
  5. You will receive an SMS with the transaction code. You enter this now in the form.
  6. They compare your data. Everything is right?
  7. Now please enter the details of your proof of identity.
  8. If you have already deposited an online banking statement with Jarndyce family, you can skip the following steps.
      a. Enter your bank details.
      b. Choose SKRILL or Giropay as a direct method to check the validity of your account information (fast and free)
  9. Once the bank check is found to be correct, you can now upload your identity card. Please confirm that you have done this by clicking on the appropriate box.

Almost finished ….. hold on!

10. In the meantime, documents should be sent to [verify-U] by Jarndyce family. You will see the corresponding documents in your overview for the documents that have to be signed electronically.

11. You confirm your specified data and the conditions that belong to the signing process.

12. Enter your received SMS pin code.

13. Click on “Sign now”

14. Close.

They did it!

Finally, the loan is created and the loan amount is paid out (based on your chosen product during the application).


Call-Off Loan like Any Other Loan


Something urgently needs to be purchased, an invoice settled or a repair carried out? But that’s exactly what money is missing and the credit line is already at the stop or not available? Is there nevertheless a possibility to solve such a financial shortage which is possible at any time? And if so, how? A suitable solution can be a call-off loan . Because the independent credit account associated with a call-off loan is practically an external discretionary framework with which an additional financial framework is available. And the whole thing has a very decisive advantage compared to a classic credit line: a call-off loan is often much cheaper in terms of accrued interest than the credit line! But how does a call-off loan actually work?

How the call-off loan works

Basically , you get a call-off loan like any other loan, because you apply for it in the desired amount at a traditional bank. Similar to a installment loan, the bank also conducts a credit check and, if the result is positive, provides the credit line required or desired by the applicant. This provided credit line can then be fully utilized at any time up to the agreed amount. This money can either be withdrawn directly via the bank counter and the ATM cash or transferred via bank transfer to a checking account. The use of the call credit is completely free of any given use purposes or the like.

The costs and interest of a call-off loan

The costs and interest of a call-off loan

Application for and opening of the call-off loan as well as the provision of the call-off credit is basically free of charge. If the call-off loan is used, the interest agreed with the bank will only apply to the amount drawn and not to the entire credit line provided. The interest on the loan amount used will continue to be incurred until this sum is balanced again in the credit account. But care: Some banks require for the use of a call-off loan in addition to the agreed interest rate and a processing fee. Such offers should be avoided, because firstly, there are banks, which refrain from this and on the other hand, the call-up loan unnecessarily!

The repayment installments are not necessarily subject to appropriate regulations

 The repayment installments are not necessarily subject to appropriate regulations Similar to the conventional credit line , the repayment of the loan taken up is basically freely selectable. So if there are no major financial resources available for repayments, you may just pay the accrued interest. But here, too, there are certain requirements for such a bank, because they demand a small minimum repayment, which can be between 10 and 50 euros per month, depending on the bank. By contrast, some institutes prescribe one or two percent of the minimum repayment. In addition, in the case of a call-off loan, it must always be borne in mind that, like the open-end loan, it is subject to a variable interest rate. If market interest rates rise, then the danger of higher indebtedness through higher interest charges increases. It is therefore important to keep in mind the applicable interest rate for the call-off loan.