How to get a "Conscience" card in Moscow?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

All banks in the product line have a credit card with a grace period. If the client does not have time to repay the debt on time, then a commission is charged on the balance of the debt, which is more than for a regular consumer loan. Usually banks offer 1.5-2 months grace period. Recently, a new product has appeared on the market - a credit card with a grace period of 12 months. How to get the card "Conscience"?

Product Brief

"QIWI-bank" has launched a new interesting product - "Conscience" card. The principle of its operation differs from standard credit cards - the interest for using funds is returned to the bank by the store in which the client made the purchase. How much the partners transfer to the bank is not specified. In case of timely age of funds, no commission is charged at all. It will not be possible to withdraw money, since the card is intended only for non-cash transactions.

The organizers have made a big bet on this project. According to their plans, by 2020 the Conscience product should bringmost of the profits to the bank. By this time, more than 4 million cards are planned to be issued.

Characteristic

Plastic is produced for 5 years. After the expiration of the specified period, the replacement of the card is provided. You can use the limit at any time, but only in partner stores of the bank. That is, a payment instrument can be ordered today, and you can pay for goods with it in a year. How to get the card "Conscience" will be described in detail later.

• Map website - sovest.ru.
• Card type - VISA.
• The limit is calculated individually for each client within 5-300 thousand rubles.
• Service is free.
• Free plastic release.
• In case of violation of the terms of debt repayment, a commission is provided within 10% per annum.
• All account transactions are free of charge.
• Early repayment of debt without commission.

Bank partners

Getting a Conscience credit card is easy. The bank's partners are dozens of the largest retailers operating in different directions. You can purchase services from each of them without commission:

• Products: Platypus, Billa.
• Electronics: Svyaznoy, Ulmart, MVideo, Samsung, Sony stores.
• Clothing: FiNN, Incity, Ralph, LaModa, Nike, Kary and others.
• Travel: Aeroflot.
• Children's goods: Lego stores, Choupette, Daughters and sons, Kid rocks.
• Beauty and he alth: "The doctor is nearby","Aicraft Optics", "De Bote", "Zub.ru".
• Furniture and repairs: "Brownie", "Shatura".
• Jewellery store: VALTERA, SUNLIGHT, UNOde50.
• Cafe: "Canteen", BURGER KING, "Chaykhona".
• Entertainment: MEGOGO.

It is enough to find out where to get the "Conscience" card in your city, and you can purchase goods and services not only at the partner's office, but also in online stores.

Terms of the installment plan

Each partner of the bank has its own grace period. So, stores in the category "Cafe" and "Products" provide installments within 30 days, since the average bill in institutions is small. That is, for gatherings with friends in a cafe, you can pay off after 30 days.

Shops from other categories mainly provide installments for 3 months. However, there are a few outlets that have set a grace period of two, four, or six months. You can get a Conscience card and immediately apply for a loan to buy furniture. In this case, the installment will be one year.

The amount of the goods is divided by the specified number of months. To make the purchase interest-free, you must make monthly payments on time.

The official website of the card contains a complete list of partner banks with an indication of the grace period for each of them. This list and loan service conditions are constantly updated.

In case of violation of the deadlines for the return of fundscredited:

• one-time fine of 290 rubles. for each delay;
• Interest at 10% per annum.

When paying for goods, the card balance is reduced by the purchase amount. Within the limit, you can perform an unlimited number of transactions. Each transaction is divided by the number of installment months.

Example 1

The transaction amount is 18 thousand rubles, the grace period is 3 months. Every month, 6 thousand rubles must be transferred to the account. Reporting date is the date of the transaction. If the purchase was paid on December 20, then the first payment must be made by January 20. If the installment plan is only 30 days, then during this period you need to pay off the entire amount of the debt.

Example 2

Now let's consider an example in which the client has issued several loans at once. In January, the card paid for the purchase of a gas stove in the amount of 24 thousand rubles. (installment plan - 4 months), sneakers for 8 thousand rubles. (installment plan 4 months) and food for 7 thousand rubles. (installment of 30 days). Monthly payments will be:

February=24 / 4 + 8 / 4 + 7=15 thousand rubles

March=April=May=24/4 + 8/4=8 thousand rubles.

Why do we need a map then?

The process of processing and using plastic is very similar to a regular loan. What's the difference?

Persons who often use borrowed funds find it easier to get a "Conscience" card once. The advantage of the card is that each purchase turns into an installment plan. And such operations can be performedlots of. At the same time, you will not have to sign any additional documents, as in the case of a loan. It is enough just to pay for services with plastic.

Recharge

It's not enough just to know where you can get the Conscience card, you also need to know how and where to replenish your account:

1. Cash through QIWI terminals. To do this, just select the item "Card CONSCIOUSNESS", enter the number of the payment instrument or the phone number of the holder. The operation is carried out without commission.
2. Transfer of funds between cards is paid according to the tariffs of the service used. Today, such a service is offered by Tinkoff, VTB and other credit institutions. To complete a transaction, it is enough to indicate the account numbers of the sender and recipient.
3. Via the QIWI website or app. Funds are debited from the electronic wallet. As details, you need to specify the card number and phone number of the holder.
4. You can replenish your account in the same way as you can get a Conscience installment card, that is, through the website of the payment instrument. Funds can be debited from any bank card or from an electronic wallet. The operation is not charged.

How to get the Conscience card?

Plastic processing is carried out remotely, since the payment system does not have offices for customer service. This approach slightly affects the timing, but does not affect the quality of service.

When applying for plastic, the previous credit history and the load on loans already taken are taken into account. But that's not alloptions. If the borrower has a stable and verified source of income, then the likelihood of receiving a card with a higher limit increases. How can I get a Conscience card?

You need to fill out an application for release. The online questionnaire consists of three parts: the applicant's contact details, passport details, income information. The decision on the provision of plastic will be made in a few minutes. If the application is approved, the client will immediately be informed of the provided limit and will make an appointment with a courier who will deliver the plastic and a package of documents.

The next step is to activate the card. An activation instruction and a PIN code will be sent to the specified phone. The procedure itself will be launched after the first purchase. Until this moment, the card is not valid, no service fee is charged. Here's how to get the Conscience card.

Additional options

The holder will receive information about all transactions in the form of SMS. Reminders about making the next payment will be sent in the same form. Even if the client has issued several loans. The service is provided free of charge.

If the client constantly uses the card and repays the debt in a timely manner, the bank may unilaterally increase the limit. For full information about the conditions for servicing the card, you can contact the bank's hotline. Also, when issuing a card, the client will have access to the "Personal Account", which contains complete information about the account status and the terms of installment repayment.

Unlikefrom other banks, "QIWI-Bank" does not impose any voluntary-compulsory services in the form of insurance.

Benefits

• Quick clearance. How and where to get the Conscience card in Moscow was described in detail earlier.
• Possibility to pay for goods in installments.
• The store pays the commission for using borrowed funds.
• Interest-free service.
• High maximum limit - up to 300 thousand rubles.
• No essential services.

Flaws

• Unable to withdraw funds.
• The card is valid only in partner stores. Their list is constantly growing, but does not yet have 1000 retailers.
• You can get the "Conscience" card so far only in large cities. Although the territory of its operation is constantly expanding.

Other details

The payment deadline is the 5th of the month following the loan. However, bank employees recommend depositing the amount before the end of the current month. The stock of 5 days is taken for a delay in crediting funds to the account. The day of repayment of the debt is considered the day of receipt of money. The lack of the possibility of instant repayment of debt is not liked by all customers, but this requirement is set by all banks.

In case of systematic violation of the terms of payment, the card may be temporarily blocked until the full repayment of all loans. Early repayment of the loan does not incur any pen alties. Occurrence informationdelay immediately goes to the credit bureau.

If a client has paid for several purchases with a card at once, and one of the loans has a delay, then the interest-free period for other loans does not disappear. However, the priority of repayment of payments is changing. First, the technical overdraft is charged at 10% per annum. Secondly, all receipts on the card will first be directed to the repayment of this commission.

The contract says that when making regular purchases with a card, the bank may suspect the client of doing business and block the account. At the same time, what exactly is meant by "large amount" and "frequent purchases" is not specified.

Closing an account will cause a lot of difficulties. The bank has only one branch in the whole country. Those who wish to cancel the account will need to send a notarized application by mail. Moreover, in the same letter you will need to return the card itself.

The expiration of the card does not mean the termination of the contract. For early reissue of plastic, you will have to pay 590 rubles.

Perhaps the biggest danger for potential borrowers is this. The general terms and conditions for servicing the card state that the credit institution may change the tariffs for servicing the account upon agreement with the client. The latter means any actions of the client in relation to the bank (even a regular phone call) within 5 days from the date of publication of new tariffs.

How to get the Conscience card: reviews

Assertioncredit limit is carried out in two stages. On the first one, the client fills out an application on the site, and on the second, the security service checks the documents sent through the courier. In the event of inaccuracies with the data provided, credit will be denied. In this case, the client simply will not be able to activate the card, that is, pay for goods with it. Or after the envelope is handed over, a bank employee will call and inform you that the limit has been denied.

The first limit will be no more than 15 thousand rubles, but if you use the card constantly, then it increases over time. On the same terms, a Tinkoff Bank credit card is provided. The good news is that the limit cannot be reduced even if the client does not use the card. On the other hand, the approved limit may be very small, and it will not be possible to use the card as a full-fledged credit card.

In case of violation of debt repayment terms, 29% per annum will be charged to the balance of funds. Compared to the offers of other banks, it can be said that Qiwi Bank has little conscience.

The terms of the agreement clearly state that all cardholders agree to receive advertising messages not only from Qiwi Bank, but also from its partners. But if cardholders can and should know about promotional messages, not everyone wants to receive notifications from a taxi service or fast food restaurants.

CV

Given all of the above, we can conclude that the new credit card from Qiwi Bank is an interesting product that you need to know how to use. Therefore, before you find out how to get a Conscience card in Moscow, check out the current bank rates.