Card "Freebie", Sovcombank: user reviews

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

Modern Russian banks every year come up with new methods to attract and retain customers. For example, consumer loans without guarantors, as well as installment loans, have recently become popular. The last operation with the help of banks can be realized through special cards. In Russia, they are still not so common. Only a few financial companies offer this service. Next, we have to get acquainted with the Freebie card (Sovcombank). Reviews about it, the conditions for obtaining it, the advantages and disadvantages of the offer - that's what we have to talk about. Only then will it be possible to decide for yourself how much such plastic will be beneficial for a particular person.

Offer Brief

Reviews about the card of Sovcombank "Freebie" are left different. But what is this plastic? What is it for?

With the help of "Freebies" citizens can make purchases on credit without interest and overpayments. In fact, in installments. It is very comfortable. Card "Freebie" - installment plastic. As we have already said, this service is new for banks.

BSimilar cards came to Russia in 2017. Previously, "Freebie" appeared in Belarus. Therefore, do not consider the offer a scam. The studied plastic simply has a number of features and nuances. Which ones? We will learn more about this later!

Design methods

Reviews about the Sovcombank "Freebie" card emphasize that getting such plastic is not difficult. Almost every adult citizen has the right to do so.

You can get "Freebie":

• by submitting a request via the Internet;
• in Sovcombank;
• through special services for issuing and issuing "Freebies".

Most often, plastic is either ordered on the Web or gets acquainted with it in the design windows. The latter are placed in large shopping centers with high traffic. But Sovcombank also offers customers an installment card.

Basic Requirements

Reviews of the Sovcombank "Freebie" credit card are positive because it is not difficult to issue it. The main thing is to meet certain requirements. There aren't many of them.

To receive the "Freebie" card, the client needs:

• presence of official employment (at least 4 months of work in one place);
• recurring income;
• ages 20 to 75;
• citizenship of the Russian Federation;
• registration in the region where the card was issued for at least 4 months.

That's all. In addition, the applicant must have a telephone. It doesn't matter which one -stationary or mobile. It's better to have a second one. This makes it easier to work with plastic.

Another nuance that is emphasized in reviews of the Sovcombank "Freebie" card is the presence of a good credit history. If a citizen is an unscrupulous payer on loans, he may well be refused in the design of plastic. Fortunately, this doesn't happen too often.

Documents for registration

A minimum of documents is required to obtain the studied plastic. Among the required papers are:

• passport;
• SNILS.

That will be enough. A client of Sovcombank may be required to provide a certificate of income. But if you believe the reviews, such situations are rare. All deductions to the Pension Fund are checked against the insurance certificate. This is how the bank can verify the solvency of citizens.

Personal decoration

Need a Sovcombank "Freebie" card? Reviews about the installment program are varied. Among them there are good opinions and not so.

Customers are generally positive about the procedure for issuing the "Freebie" card. To receive the document in person, you will need:

1. Collect a package of certain papers. They were mentioned above.
2. Contact Sovcombank or a special card processing service.
3. Fill out the application form.
4. Get an installment card in hand.

That's it. Then it remains only to activate it - and the job is done. Everything is simple, clear and veryquickly.

Nevertheless, sometimes the reviews of Sovcombank customers about the "Freebie" card are not the best. Some note that employees of a financial organization literally impose installment cards on their visitors. And this fact repels some. Many employees of Sovcombank are too persistent. They not only talk about the interest-free loan program, but also in every possible way incline to the design of plastic. Fortunately, such complaints are not very common.

Internet and card design

Often, reviews from users of the Sovcombank "Freebie" card emphasize that making plastic via the Internet does not cause any trouble. The fact is that this scenario occurs in the vast majority of cases.

To get "Freebie" via the Internet, you will need:

1. Open the site halvacard.ru in the browser.
2. Click on the "Get Halva" button.
3. Fill out the application form. A minimum of information is required here.
4. Click on the "Finish" button.
5. Agree with the operator on the delivery address. The client will receive a call after submitting the request for processing.
6. Get plastic. Courier services are used for delivery.

Reviews from Omsk users about the Sovcombank "Freebie" card highlight the simplest questionnaire among the positive aspects of plastic design. In other regions of the Russian Federation, they talk about receiving a card via the Internet in the same way.

Terms of Use

SWhat conditions of use do holders of "Freebies" face? Before you draw up certain cards, you need to find out how profitable they are. Some plastics cause only losses.

But not from this offer! User reviews about the card of Sovcombank "Freebie" (St. Petersburg, Moscow or other cities - this is not so important) highlight a rather large benefit from the service.

The fact is that each client is offered the following conditions for using the card:

• installment plan - up to a year;
• plastic effect - 5 years;
• maximum loan amount - up to 350,000 rubles;
• cashback - 1.5%;
• interest on loans - 0%;
• interest on loans in case of delay - 10%;
• pen alty - 0.1% overdue amount per day;
• early repayment without pen alty;
• delivery - 0 rubles;
• service - free of charge;
• delivery and card production - free of charge.

Very tempting. Some say that "Freebie" can be used as a debit plastic because of the cashback. But what's up?

Card feature

In Saratov, the "Freebie" card of Sovcombank receives generally good user reviews. However, as in all other regions of the Russian Federation. However, some are wary of this proposal. After all, there must be a catch in something!

So it is. The "Freebie" card from Sovkombak can not be used in all stores. Allowed to payonly on certain networks. In ordinary retail outlets, the offer from Sovcombank is useless.

Accordingly, it is far from always possible to feel the benefits of "Freebies". Many emphasize that the effect of this plastic is comparable to the work of the Conscience installment card. If you believe some reviews, then the proposal under study is useless for those who do not buy from partners of Sovcombank.

Partners

And where can you pay with the studied plastic? User reviews of the Sovcombank "Freebie" card indicate that this offer only works at specific outlets. But you can pay with plastic in Russia and Belarus. This is very encouraging.

In total, "Freebies" have more than 1,000 partner stores. For example:

• "Kari";
• "Hoff";
• "MVideo";
• "Snow Queen";
• "Pyaterochka";
• "Chocolate Girl";
• "Lamoda";
• "Yulmart";
• "Lego";
• "Incity";
• Rostelecom;
• "Beeline";
• "VoolHouse";
• "Ecowindows".

A more accurate list can be found using the official website of the "Freebie" card. In the corresponding section, customers see partner stores for their region.

About limits

Reviews of "Freebie" card holders in Russia oftenindicate that problems may arise in the design of plastic. In particular, because of the limits on loans. What is it about?

If you believe the description of the program, the maximum loan is 350 thousand rubles. But in practice, it is almost impossible to obtain such a limit. Clients are issued Freebie cards with limits of 15-20 thousand rubles.

The fact is that the amount of credit directly depends on the salary of a citizen. The higher it is, the more chances there are for a large limit of funds for the "Freebie" plastic. Managers say that they do not issue loans above 2 salaries of a person. Therefore, you should not count on a large amount of lending.

Due to the listed features, "Freebie" is useless for some. Especially taking into account the fact that the main partners of Sovcombank can either immediately buy goods for their own money without any problems, or the loan issued is not enough. And for people with a high level of income, in principle, there is no need for installment plans.

Other reviews

What else do the holders of "Freebies" say? Reviews about this plastic are mixed. But there are more positives than negatives. After all, in general, this proposal is not a hoax. And every willing and employed citizen will be able to get this card.

Many emphasize the unstable operation of the "Freebie" mobile application from Sovcombank. In addition, some are not satisfied with the collection of commissions when replenishing a plastic account at the cash desks of banks. It is only 100 rubles, but even such a payment repels some.

In addition, some cardholders refer to the fact that the goods paid for with "Freebie" cards are overpriced. And stock products do not allow working with the studied plastic. The bulk of discontent is found in Belarus.

Also, among the disadvantages of plastic "Freebie" is the possibility of its adjustment without the knowledge of the holder. If the client does not use the card for a long time, the limit on it can be reduced by 40%. It is impossible to restore the previous loan amount.

Results

We found out what reviews modern customers leave about the Sovcombank "Freebie" card. Many people think that it is worth making out this plastic when there is really a need for it. You should not take an installment card just like that.

In Russia, plastic "Freebie" is officially called "Halva". It is under this name that citizens can see the offer from Sovcombank. But for the benefit of its use, the card was called "Freebie".