Know Whether You are in BIK Before You Apply

Keeping your business prospering will be a tough challenge. There will be times when your financial reserves are dried up and you are struggling to get over them. A helping hand would sure work miracles. One such miracle is a payday loan. These short-term loans lend the borrower a small sum of money which only needed to be paid back by the month end. But probably, when you submitted your application for the same, you might have been faced with rejection. A major reason for this would be because you have had a bad credit history at the BIK. In that case, the only solution is chwilówka bez bik. So here is the way on how to know if you are in BIK or not.

What is bad credit history?

This may not be the first time you have made your transactions with the bank. Now, BIK has the details of all such transactions between you and your bank. These transactions can be loans procured for some other purposes, credit cards, installment purchases and even the cases when you have been guarantors for some third party obligations. If repayment was not timely in any of the financial activities mentioned, then that would definitely be bad for your credit history. If you remember any such instances, then it is better for you to go for chwilówka bez bik.

If not, then through the following procedures you can verify that you are in BIK.

  • If you do not have an account already, then you should register for a new account by submitting your email address and accepting their terms and conditions here: After this you would be asked to choose from two options:
  1. The trial option that would allow you to generate a free report within 60 days of account registration
  2. The premium account that will enable you to generate up to 12 reports in total
  • The next step is to verify yourself. To do this, one of the three should be undertaken.
  1. Submitting a scanned image of one of your ID cards
  2. Submitting an application form that contains your electronic signature
  3. Posting them with a letter of acknowledgment
  • Once all the data provided by you are verified, then you can generate your BIK report by logging into your account.

If you are in BIK, then that’s great news for your financial requirements! Now that you are in BIK, what you have to do is maintain your good credit history. Make sure you have no delayed settlements or any other liabilities; keep your history of credit record clean, so that when the time comes, you will get your loan easily.

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