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Money rule the roof! It makes the world go round! As we all know, bank-is the main “place of money abode”. Long time ago banks were well-known, but they

weren’t so popular and needed as today. Today the economy provides us a lot of different banks with different facilities. But the main functions are the same

in every bank.
Although the basic type of services offered by the bank depends upon the type of bank and the country, services provided usually include:
- taking deposits from their customers and issuing current or checking accounts to individuals and businesses;
- cashing checks;
- extending loans (credits) to individuals and business;
- issuing credit cards, ATM cards, and debit cards;
- storing valuables, particularly in safe deposit box;
- consumer and commercial financial advisory services etc.
Nowadays more and more people bank with a bank. Especially, the most popular became such bank service as giving a

credit to the people. It’s the main specialization of commercial bank. So, what is credit and how you can take it? In finance, credit- is the granting of a

loan and the creation of debt.
The term credit is used similarly in commercial trade, to refer to the approval for delayed payments for purchased goods.
Sometimes, credit is not granted to a person who has financial instability or difficulty. Companies often offer credit to their customers as part of terms of

purchase agreement.
Taking credit is advantageous! Such way you can satisfy your demand in some goods, products etc. Taking
credit in bank is very comfortable, easy and fast, as you will get your money in few hours. First of all, to take a credit,

you should tender necessary documents, which are written and are in a bank. Advantages of taking credit:
- Able to buy needed items now;
- Don’t have to carry cash;
- Creates a record of purchases;
- More convenient than writing checks;
- Consolidates bills into one payment;

Disadvantages:
- Interest (higher items cost);
- May require additional fees;
- Financial difficulties may arise if one loses track of how much has been spent each month;
- Increased impulse buying may occur.