Product type changes the meaning of the same Home Credit experience

Home Credit is one platform, but borrower accounts describe materially different facilities. Product loans finance a purchase, cash loans add a separate approval and payout path, and the credit card has its own account and fee lifecycle. One borrower who had paid phone installments later received and repaid a cash loan; other early-pay discussions also show that facility-specific terms matter. Experiences should therefore preserve the facility subtype instead of being generalized across the brand. Sources: Reddit · Official product disclosures. Public borrower reports remain unverified self-reports.