general-purpose revolving credit cards, credit limit up to $5000 (in local currency equivalent), APR up to 80% annualized, granted to both new and existing customers, promotion is usually done via telemarketing (outbound calls and text messages), application filled out on the web-site, via phone or in a meeting with Direct sales agent (DSA), contract signing performed remotely via couriers or during meetings with DSAs, loan disbursement channels performed via transfer to the customer’s bank account/bankcard or cash withdrawal at the post offices.