Credit card "Conscience": reviews, is it worth opening, terms of use

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

Today, many people use bank transfers. And many citizens live on credit. Sometimes there is no money to buy, but something urgently needed. At such times, a loan is the only right decision. And so the population draws up credit cards. They are offered by a variety of financial institutions.

We have to consider the Conscience credit card. Reviews, whether it is worth opening, how to arrange and what is the catch of plastic - all this will be discussed below. In fact, everything is not as simple as it seems. "Conscience" is a pretty good deal, but it's not for everyone.

About the map

What is this offer? "Conscience" - a credit card that allows you to buy goods without overpayment. That is, we are talking about an installment card. With its help, purchases on credit will seem extremely profitable.

What does this mean? A person will have to return exactly the same amount as he paid for the goods. No interest rates or overpayments. The main thing is not to have delays on the loan. Otherwise namedthe bonus will burn out - the interest rate will appear.

Where to get it

Many are interested in how and where to order a Conscience credit card. To date, this operation has several solutions. What is it about?

Firstly, an application for a "Conscience" credit card can be submitted via the Internet. There is a special site on the web. On it you can find a detailed description of the offer and submit a request for plastic design.

Secondly, the procedure is sometimes carried out in person. To do this, a citizen will need to contact a Qiwi representative office. So far, credit cards are issued in Svyaznoy and Geobank. But throughout Russia. The request is left in the form of a completed form of the established form.

Issue online

What does the "Conscience" credit card provide? Reviews, whether it is worth opening, the pitfalls of using plastic - all this will be studied by us in full.

Customers respond positively to ordering plastic via the Internet, emphasizing the availability of free courier delivery. But the card will have to wait. Sometimes very long.

To leave an application for the manufacture of plastic, you will need:

1. Open sovest.ru page in browser.
2. In the upper right corner, click on the "Submit Application" button.
3. Fill in the fields that appear.
4. Answer the operator's call and confirm the fact of the order.

Done! You can immediately discuss the features of delivery, and then wait for the plastic. If you believe the reviews, thenthe operator will call you back approximately 10-15 minutes after sending the corresponding request.

Activate plastic

As soon as the card is delivered, it will have to be activated. Without this operation, you will not be able to take advantage of the opportunities from Qiwi.

Should I open a "Conscience" credit card? Customer reviews emphasize that this plastic is really suitable for many. But he brings a lot of trouble. Activation is one of the problems.

The thing is that quite often "Conscience" is made, but they do not allow using plastic - the activation process does not go through. There are often reasons for this. Only about them on the site with information about the card nothing is said.

In general, to activate the plastic, you will need to send the card number (by message) to the phone 5152. After that, just make a purchase - and the job is completed! No features, difficulties or complicated operations.

Usually, conscientious customers activate quickly and without failures. But due to a system failure, the procedure may be denied. Unfortunately, this really happens. "Conscience" is a relatively new project. And so he has some malfunctions.

Who will be issued

Not everyone can get a Conscience credit card. The conditions for issuing plastic are loyal, but you still need to remember them.

So, a citizen who meets the following requests can count on successful processing of the request:

• citizenship of the Russian Federation;
• having a stable income;
• no open loans and delinquencies;
• good credit history;
• age at least 18 years old (16 - with emancipation).

There is nothing extremely difficult to understand. Every adult citizen of the Russian Federation has the right to issue a plastic "Conscience".

Opportunities

Should I open a "Conscience" credit card? Owner reviews emphasize that this plastic is a tempting offer. It really allows you to buy without overpaying. This is not a scam.

The "Conscience" installment card offers the following features:

• action - 5 years;
• maintenance - 290 rubles for 1 year and 590 for the next;
• free shipping;
• reissue - 590 rubles;
• recovery - 690 rubles;
• loan rate - 0%;
• delay pen alty - 290 rubles per month + 10% per annum;
• SMS-informing - free of charge;
• installment period - from 1 to 12 months;
• loan restrictions - from 5 to 300 thousand rubles.

All this is reported even before a bank card is issued. Therefore, there is nothing surprising in the terms of use.

Where to pay

The "Conscience" card with a bad credit history is almost never issued to customers. More precisely, in this case, the activation of the plastic will not work. This is a normal phenomenon that many people talk about.

Which bank issues the Conscience credit card? Qiwi! This is a fairly large organization, but so far there is not a single Qiwi bank in Russia. But the company has many partners.

And this is very handy! The thing is that plastic "Conscience" does not work at all points. They are allowed to pay only in Qiwi partner stores. The card will not work for third parties.

Where to pay with plastic? For example, in the following stores:

• "Shatura";
• "LitRes";
• "Platypus";
• "Burger King";
• Euroset;
• "Connected";
• "Aeroflot";
• Lego;
• "Ile De Beaute";
• LaModa;
• "Daughters-sons".

A complete list of partner stores can be found on the sovest.ru website. Every month the list gets bigger and bigger.

About cash

Is it possible to withdraw cash from the "Conscience" credit card? This issue worries many citizens. After all, it is often necessary to quickly withdraw a certain amount from a bank card.

Unfortunately, Qiwi does not allow its customers to cash out funds using "Conscience" plastic. Many people are complaining about this. The offer under study works only by bank transfer. And no ATM will dispense cash according to Conscience.

About closing

Is it worth itopen a credit card "Conscience"? Reviews about this plastic are left of different types. Among them there are not the best opinions.

For example, some emphasize that it will be problematic to refuse a bank card. Therefore, you will have to carefully weigh the pros and cons before making the appropriate application.

This is due to the fact that Qiwi does not have a single branch. Therefore, to close the plastic, you must either contact the company's representative office (it is located in Moscow) on your own, or send a request by mail. In this case, the existing plastic will also have to be returned to the bank. Of course, it is sent by mail. These are certain risks.

Use

Otherwise, plastic has no special features. Is it worth it to open a credit card "Conscience"? Reviews of its holders indicate that this is not a scam at all. The card really works. Its main drawback is the ability to pay for purchases only in Qiwi partner stores.

Using plastic is easy. It has a special chip for contactless payments. It is enough to attach it to the reading machine. Or you can pay for purchases using the standard method - like a regular debit card of any bank.

In some cases, you have to repeat operations several times - sometimes there are failures in the operation of the "Conscience" cards. But if you show perseverance and patience, you will still be able to pay for the goods. Even large banks experience service failures from time to time.

To take or not to take

So is it worth opening a credit card "Conscience"? Reviews about this proposal, as you can see, are left different. Someone is satisfied with the cooperation with "Kiwi", but someone did not like it.

In general, if a citizen plans to buy a lot from Qiwi partners, it is recommended to take a closer look at the offer. With timely loan payments, the Conscience card will be very useful. Those who do not cooperate with Qiwi partners simply do not need this plastic.

Results

We found out what the card "Conscience" is. How to issue it, what conditions does it offer, what can its holders face? We have answered all these questions.

One cannot say exactly how successful Project Conscience is. It appeared in Russia quite recently (at the beginning of 2017). But since then, bank cards from Qiwi have come a long way. Their service is actively developing, and defects and failures are eliminated. Therefore, it is recommended to take a closer look at the plastic. The main thing to remember is that you can not pay with them everywhere. Then there will be no claims to the offer. Those who actively use the "Conscience" installment card are satisfied with their decision.