Credit card "Kiwi" "Conscience": user reviews

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

Qiwi is a fairly large and popular company in Russia. This firm has a bank and a separate payment system. Recently, you can meet with the card "Kiwi" "Conscience". Reviews, terms of use, features and methods of registration of this plastic, we have to consider below. Is this offer worth it at all? Isn't this a hoax? The answers to all these questions will help you figure out how a Qiwi card is suitable for a particular person. After all, some will not need it at all.

Description

What is the card "Kiwi" "Conscience"? Reviews indicate that this product is the most common banking plastic. As you might guess, it is serviced by Qiwi-bank.

"Conscience" is an installment card. It is also sometimes called an interest-free credit card. That is, a person will have to return exactly as much as he spent. This is a tempting proposal. And many potential users are interested in plastic.

Requirements

Map"Kiwi" "Conscience" gets very mixed reviews. Some of them are good and not so good. We can say with confidence that ordering plastic is not difficult. But for this you will have to meet some requirements.

If you believe the holders of Conscience cards, then plastic is issued if:

• the citizen has an official and stable income;
• applicant is over 18;
• person has a good credit history;
• no debts and open loans;
• applicant is a citizen of the Russian Federation;
• has a permanent residence permit in Russia.

Accordingly, foreigners will not be able to try out the studied card. But this is not such a big drawback. Installment card "Kiwi" "Conscience" appeared in Russia quite recently. And therefore, it is possible that foreign citizens will soon be able to use the product.

Design methods

Getting researchable plastic is easy. Reviews about the credit card "Kiwi Bank" "Conscience" in this area are mostly positive.

The thing is that it is allowed to issue an application for the issuance of plastic:

• personally at Qiwi offices ("Geobank", "Svyaznoy");
• via the Internet.

You can act in different ways. It all depends on the personal preferences of the client. But if you believe the reviews about the "Kiwi" card "Conscience", it's betterdeal with plastic yourself. When processing applications via the Internet, the applicant may be denied the service. This happens even if you have a perfect credit history. What is the reason for the failures? In banal system failures, from which no one is immune.

Documents for registration

What will be required to issue a study card? If you believe the numerous customer reviews, then the paperwork will be minimal. Getting a "Kiwi" "Conscience" installment card is easier than it seems.

Every citizen will need:

• passport;
• income certificate (desirable);
• card application.

That's all. No more documents are needed. The application is filled out by a citizen directly on the Internet or at a Qiwi representative office. Therefore, it will be issued at one point or another. Qiwi customers say that they can actually get a plastic called "Conscience" with the help of one passport.

Steps to use

But only after issuing a card a person will not get access to all the required services. The plastic will have to be activated.

Thus, many reviews about the "Kiwi" card "Conscience" emphasize that the order of the "document" is divided into several stages. Namely:

1. Collection of papers. We have already talked about them.
2. Applying.
3. Confirming the operation.
4. Getting the card.
5. Activation.

Only after all this, everyone canuse an interest-free loan from Qiwi-bank. Is it really that easy?

Order online

Not really. Some users complain that plastic processing via the Internet does not always end successfully. Quite often there are system failures that result in requests being rejected.

How can I issue "Conscience" via the Internet? For this you will need:

1. Open sovest.com address in browser.
2. Click on the "Get a card" button.
3. Fill out an application. All available fields have hint captions.
4. Wait for the operator's call. This is necessary to confirm the request. They usually call back in 10-15 minutes.
5. Report plastic delivery address.

At this stage, all manipulations are over. It remains only to wait for the card to be ready. It would seem that everything is simple. But if you believe the reviews about the "Kiwi" "Conscience" card, you can see that sometimes the operator calls back and reports that it is impossible to issue plastic. This happens not only because of failures, but also if a person has a bad credit history. The refusal is completely legal, Qiwi is not obliged to justify it.

Activation

Card "Kiwi" "Conscience" user reviews are not the best earns for the activation process. It is simple, but at the same time, activating the plastic is a lot of trouble.

Usually, to bring the idea to life, the client needs to send 16 digits to the number 5152,engraved on a bank card. In response, you will receive a message with a PIN code. All that remains is to make some purchase using the card.

But it's not that simple. Numerous reviews of the Qiwi bank credit card ("Conscience" - that's its name) emphasize that activation is not always successful. Often citizens cannot cope with the operation. Plastic simply does not activate for one reason or another. For example, because a person has an open loan.

That is, you can issue a card "Conscience", but you will not be able to use it. Not the best occurrence. It is emphasized by citizens quite often.

Maintenance

Interest-free card "Kiwi" "Conscience" receives positive reviews for the features of plastic service. No need to overpay or spend a lot!

Card issuance is completely free. It does not require any costs and SMS-informing about payments and bonuses. Need courier delivery? You don't have to pay for it either. For this feature plastic "Conscience" receives a lot of positive feedback.

The maintenance of the card in the first year of its use will cost 290 rubles, in the next - 590. Plastic is issued for a maximum of 5 years. After that, it can be re-released. No Qiwi client has yet encountered this operation. For re-registration, you will have to pay 590 rubles. If the card is lost, then restoration will cost 690 rubles.

All this is quite favorable conditions for using the card. They attract clients. But most oftenreviews about the Qiwi card "Conscience" emphasize the absence of an interest rate on loans. In fact, a person will be able to purchase goods on plastic in installments.

Delay

Only this does not mean that you can delay payments. Reviews of the interest-free card "Kiwi" "Conscience" indicate that this plastic offers installments for a maximum of a year. The validity period of the loan and interest-free payments depends on where the citizen made the purchase.

If the allotted time to pay off the debt has passed, you will have to face a number of punishments. For each month of delay, the holder of the plastic "Conscience" must pay 290 rubles. Additionally, a fine of 10% per annum is imposed. This is where interest rates end. If you pay your bills on time, there will be no overpayment. The installment plan is indeed provided to all holders of "Conscience" cards. This is not a hoax, as some people believe.

Payment Features

It would seem that the proposal under study is just perfect. Installment without interest and overpayments - what could be better? But it's not as easy as it seems.

What do the reviews say about the Qiwi bank card? "Conscience" - plastic, which is sometimes problematic to issue. And it's not easy to use either.

The thing is that you can pay with the "Conscience" card only in certain stores. We are talking about Qiwi partners. Many plastic owners talk about this. Andthis fact generates a lot of negativity. Customers do not like that card payments are not available everywhere.

Qiwi has more than 45 partners in total. Among them are:

• MVideo.
• La'moda.
• Lego.
• "Daughters-sons".
• "Platypus".
• Burger King.
• "Ile De Beaute".
• "Shatura".
• "Aeroflot".
• "Messenger".
• Euroset.

This is not a complete list of Qiwi-bank partners. But it is in these outlets that citizens shop most often.

Without partners

What happens if you use the card outside of partner stores? How dangerous is this?

The installment card "Kiwi" ("Conscience") simply will not work. Many plastic owners talk about this. You can't shop anywhere. The holders of this credit card are very limited. And this fact repels some.

Cash Out

Real reviews about the "Conscience" ("Kiwi") card often emphasize another small drawback of plastic. What is it about?

The card under study does not provide for the possibility of withdrawing cash. No ATM will process the request. But at the same time, you can replenish the balance of the plastic "Conscience" in cash.

Limits

Reviews from Qiwi card users "Conscience" often indicate low limits on funds allocated to clients. According to currentconditions, the maximum installment plan is 300,000 rubles. But to achieve such a limit, you have to try. Sometimes the card has to be reissued several times.

When you first request for the issuance of plastic, you should not count on a high limit. It will be set according to the person's income. The more stable earnings, the higher the limit.

Reviews about the "Kiwi" card ("Conscience" - this is the name given to the studied plastic) demonstrate that the first design will allow you to take in installments in the amount of about 5-10 thousand rubles. Maximum up to 20,000. High limits are a huge rarity. This fact is frustrating. Especially considering that no one talks about such serious restrictions. Some even feel cheated. Indeed, in the conditions for using plastic from Qiwi, a limit of 300 thousand rubles is indicated!

About delivery

Bank card "Kiwi" "Conscience" receives reviews of not the best type for courier delivery. Customers are pleased that they do not need to pay for it. But this is where the benefits of the service end.

Sometimes you can see that the card "Conscience" is delivered for a long time. Small, but still a disadvantage. In addition, many plastic holders talk about the not very polite attitude of couriers. This data has not been confirmed, but such information is not so rare on review sites.

The good news is that the ordered cards are not lost. And using courier delivery, the client can be sure that he will have the plastic.

Closing

Reviews about the credit card "Kiwi" ("Conscience" - the so-called proposal under study) of a negative type are earned due to problems with closing plastic.

Customers say that Qiwi does not have a single bank in Russia. Representative offices are being replaced by partner stores. But they cannot close the plastic. You will either have to personally contact the Qiwi public service center, or refuse the opportunity being studied by mail.

The only Qiwi customer service branch with Conscience cards is located in Moscow. Therefore, most often you have to act by mail. Closing plastic takes a lot of time. In addition, Qiwi Bank requires the return of Conscience cards. Of course, they also have to be sent by mail. This approach is not credible.

What's the catch?

We found out what reviews about the installment card "Kiwi" ("Conscience") are left by modern citizens of the Russian Federation. Some wonder what the plastic catch is.

As we have already said, you can pay by card only in certain stores. It is problematic to close the plastic, it is impossible to withdraw cash. In addition, the disadvantage is that card activation can be refused without any explanation. And this happens quite often.

No more special features for interest-free cards "Kiwi" "Conscience". Customer reviews are different. But with their help, you can understand that the service being studied isthis is not a scammer. If you take into account all the features of plastic, you will be able to get the most out of the offer!