The credit boom that was observed in Russia in late 2017. , turned into a collapse. In the first quarter of this year, there was a growth in refusals on unsecured loans. This is evidenced by the information of the credit history bureau (BKI). Even retailers have become more cautious. In particular, in March, only 32% of those who wanted to get the goods in debt were 6 percentage points less than in February. Most often the refusal will be received by citizens who have already collected debts. Even if payments are received on time in all of them, high crediting is a signal about the risk that banks do not want to go to. "The number of clients with three or more current loan agreements is growing, and for many banks, the presence of so many current liabilities is already critical, as a result of which lenders refuse to provide loans," said General Director of BKI Equifax Oleg in an interview with Kommersant. Lagutkin. Indeed, the number of citizens who have one loan has decreased recently from 59.4% to 58.2%. While the number of bank customers with obligations under three loans was 17.8% - compared to 17% a year ago. However, this does not mean that the accredited citizens have lost all chances to take a new loan if necessary.

The data of the BKI for the last year show that 10.9% of clients among those who approved the application had a 90-day delay in paying for an existing loan. Moreover, 4% of malicious defaulters were able to get new credit cards. And yet at the moment, banks prefer to work with those who pay regularly and on time, but do not have a working loan at all. It was they, as well as those who first decided to buy into debt, accounted for 90% of customers who were loaned in the first quarter of this year.