Card "Conscience" - what's the catch? User Reviews

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

In Russia, loans and installments are increasingly being issued. And so banks are trying to come up with tempting offers and services for customers. For example, Qiwi released the Conscience card. What's the catch? Reviews, tariffs, terms of registration and features of the service of this plastic will be disclosed below. Only after studying all the relevant information, everyone will be able to understand whether he should order the Conscience card.

Briefly about plastic

What is the card being studied? Every modern resident of the Russian Federation should know the answer to this question.

"Conscience" - installment card. Some call it an interest-free credit card. When using plastic, a person purchases goods on credit. More precisely, he will have to pay for the purchase for a certain time, but without interest. Installment - that's how these operations are correctly called.

What is the point of offering such opportunities to the residents of the Russian Federation? Is there a catch here?

Terms of registration

Let's start with the requirements for applying forobtaining an installment card "Conscience". What's the catch? Not every resident of the Russian Federation can apply for it.

A citizen must meet the following requirements:

• citizenship of the Russian Federation;
• the presence of a permanent residence permit in the country;
• good credit history;
• constant stable income;
• age - at least 18 years old.

Foreigners will not be able to use the "Conscience" card. This will have to be remembered. In addition, at the beginning of 2017, plastic was issued only in Moscow and St. Petersburg. But now it is being issued throughout Russia. And this fact pleases potential customers.

Terms of Use

A few words about what the plastic holder will have to observe. Credit card "Conscience" from Qiwi allows you to buy goods on credit without interest.

The conditions for using plastic will be as follows:

• production and maintenance of the card - 0 rubles;
• SMS-informing - 0 rubles;
• 1 year of service - 290 rubles;
• following years - 590 rubles;
• limit - up to 300,000 rubles;
• plastic is valid for 5 years;
• reissue - 590 rubles;
• delay pen alties - 10% per annum + 290 rubles/month;
• possibility of early repayment of debt - yes;
• delivery by courier - free of charge.

Reviews about the card "Conscience" are different. But customers emphasize that the conditions for using plastic are really attractive. Especially withtaking into account the fact that the installment period can be up to 12 months.

Production

What is the catch of the card "Conscience"? Reviews of its holders indicate that it is not so easy to arrange plastic. You can either contact Svyaznoy or leave a request via the Internet. Some banks and Qiwi partner outlets also accept applications. But for now, you have to mainly act through the Internet.

Many people face problems when filling out applications - they are not processed. After submitting requests to customers, the operator should call back and confirm the task. But that doesn't happen. It happens because of system failures. Accordingly, filing an application via the Internet has to be carried out several times.

Activation

What is the catch of the installment card "Conscience"? The next nuance is activation. It gives clients a lot of problems. Why?

Plastic production is usually not denied. But not everyone can activate the Conscience card. According to customer reviews, the plastic is not activated if:

• a person has a bad credit history;
• system failure occurred;
• False cardholder details provided.

Accordingly, many have the Conscience card, but it lies idle due to lack of activation. There is no way to use it.

Cash

What is the catch of the card "Conscience"? Reviews of similar holdersplastic quite often emphasize that you can forget about cash with it.

Conscience cards do not allow you to withdraw money from your account. All transactions are non-cash. And if you want to cash out from time to time, you will have to forget about the studied plastic.

Rejections

The next nuance is the accounting for existing loans. The bank may refuse to process and issue Conscience plastic if the client has outstanding loans. You don't have to have a bad history. Even conscientious payers can be refused.

With all this, according to numerous reviews, Qiwi does not explain the reasons for its decision. Everything is legal. Therefore, it is better for people who have loans not to mess with the Conscience card.

Closing

But that's not all. Reviews of the Conscience card emphasize that it is not easy to close this plastic. Will have to try.

Qiwi-bank does not have a single branch throughout Russia. Therefore, to close the card, you will have to send an application with a notarized signature to Moscow. The only customer service center in the country is located there. The Qiwi plastic itself also requires a return. And these are huge risks. After all, all manipulations are carried out through mail.

Use

What is the catch of the card "Conscience"? Reviews of the owners of such plastic most often indicate that it can not be used everywhere. That is, often the card is of no use.

The thing is that "Conscience" is a plastic that offers to make purchases in specificQiwi partner stores. In other outlets, it will be useless. This is the main catch of the card.

Partners

Where can I pay with plastic? What is the catch of the card "Kiwi" ("Conscience"), we found out. There are many features of this plastic. And if all of them are taken into account, a person will be able to decide how suitable a credit card is for him.

Customer reviews of the "Conscience" card refer to a very narrow range of partner stores. At first glance it seems that there are a lot of them. But if you look closely, you will notice that this is not the case.

In total, Qiwi has more than 45 partner stores. Here are some of them:

• Euroset.
• "Messenger".
• "Aeroflot".
• "MVideo".
• "Daughters-sons".
• "Lego".
• "Lamoda".
• "Shatura".
• "Burger King".
• "Ile de Beaute".

Plastic is not good for everyday shopping. But if a person actively uses the services of Qiwi partners, Conscience will seem to him an extremely attractive offer. Therefore, it is worth simply considering that the studied plastic is not suitable for everyone.

How to get?

A few words about how to draw up the card "Conscience". You can do it like this:

1. Open sovest.com.
2. Press the "Order" button.
3. Fill in the data requested from the user.
4. Waitcall the operator and confirm the plastic manufacturing process.
5. Get a card.
6. Send to number 5152 plastic number. It consists of 16 digits.
7. Wait for PIN. He will come in a message. This is a consequence of the successful activation of the plastic.
8. Make a purchase with a card.

That's it. In fact, with proper preparation, there are no problems with ordering and activating the Conscience card. Many Qiwi customers are talking about this.

To take or not?

Reviews from users of the "Conscience" card are divided. Among them there are both positive and negative opinions. Therefore, it is difficult for newcomers to the topic being studied.

Should I order plastic? There is no single answer. We found out what the catch of the card "Conscience" is. Reviews of plastic owners emphasize that it is suitable for people with a stable high income, an ideal credit history, repaid debts, as well as those who often buy from Qiwi partners. Otherwise, the sentence makes no sense. As we said, plastic does not work everywhere.

Some people advise to refrain from drawing the card "Conscience". But no justification in favor of such a decision is given. If you want to take goods in installments from Qiwi partners, the offer under study will be very useful. It will not leave anyone indifferent.

About the benefits

What is the catch of the card "Conscience"? Feedback from plastic owners has long pointed us to it. Featuresthere are a lot of maps to study. And they are all important.

What are the advantages of "Conscience"? Among them are:

• card maintenance cost;
• free courier delivery;
• no interest on loans;
• possibility to replenish plastic through Qiwi;
• large installment limits.

It's all good news. Can the card "Conscience" be called a hoax? No. It's just plastic for installments, which has many nuances of service. Not all customers pay attention to them. And so after the first use of plastic, they are disappointed.

Not all at once

Another important nuance is that installment limits are issued on an individual basis. High bars are not set immediately. Sometimes you have to re-register them several times. This alignment leads to negative customer reviews about the Conscience card.

Accordingly, at first you will have to use plastic with a small amount of installments. Over time, it can be increased to 300,000 rubles, this is the maximum. Not very convenient, but this approach allows you to take into account the solvency of the cardholder. People with bad credit history can apply (activate) plastic, then with small limits.

In closing

We figured out what the catch of the card "Conscience" is. Customer feedback suggests that this plastic is great for people who often shop with Qiwi partners. It doesn't have too many flaws.

Wo-First, it is not supported in all retail chains. Secondly, the inability to withdraw cash. The card has no more significant shortcomings.

We have already studied all the features of plastic. Now everyone can decide whether he needs the Conscience card or not. The main thing to remember is that the offer is not a scam. This is a very real installment card. It allows you to buy goods and not overpay for them. This is what Qiwi customers are talking about.