What is the card "Conscience" and how to draw it?

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

Today we will try to find out what the Conscience card is. It was published quite recently, but now plastic has gained immense popularity. What do clients say about it? Is it worth getting a bank card? What conditions of use does "Conscience" offer? Are there any catches for clients? You can answer all this by studying the information below. In fact, Conscience cards can be useful to many citizens of the Russian Federation. It is not difficult to issue them, but there are problems with closing the plastic.

Short description

What is the card "Conscience"? This is bank plastic from Qiwi-bank. It appeared in Russia at the beginning of 2017.

With this card, people can buy goods on credit without overpayments. That is, they are given a kind of installment plan. It is very comfortable. "Conscience" - installment card. It is sometimes referred to as an interest-free credit card.

But is it that simple? What do customers say about the product being studied? How can I get this plastic?

Customer requirements

We found out what the card "Conscience" is. This is plastic withinterest-free installment. It operates only in Russia.

What do you need to make a card? For this you will need:

• come of age;
• have official income;
• have a good loan history;
• don't have loan debts;
• be a citizen of the Russian Federation.

That's all. Foreigners will not be able to use the Conscience card. It is possible that over time such an opportunity will be offered to foreign citizens. After all, the studied plastic appeared quite recently. Its services and options are actively developed.

Order Methods

How can I apply for the "Conscience" card? The design of this plastic is made in different ways. Everyone decides what to do.

In general, you can order a card from Qiwi:

• by leaving an application at the bank's representative office in person ("Svyaznoy" or "Geobank");
• by filling out an electronic form on a special website.

Most often, citizens use the second method. At the beginning of 2017, it was possible to use plastic only in Moscow. Since the spring of the same year, the Conscience card began to be issued throughout Russia. So now everyone can try it. Making a credit card takes about 10-15 minutes. Getting it is easier than it might seem at first glance.

Steps to use

And how to use the interest-free installment card "Conscience"? Making an application for the release of plastic is only half the battle. One more thing to do.

The process of using the Sovest card for the first time can be represented as follows:

1. Filing an application for the release of plastic. How to do this, we will describe below with all the details.
2. Confirming the operation.
3. Getting a bank card in hand. For example, by courier service.
4. Document activation.
5. Make your first purchase.

If you believe the numerous customer reviews, then there may be problems with the activation of plastic. Some say that they have issued the Conscience card, but cannot use it. After all, the activation was denied. This is normal. Qiwi may refuse the procedure without explanation.

Order online

What is the card "Conscience"? This is plastic, offering to buy on credit without overpayments. Very comfortably! Especially if you pay your bills on time and have a good credit history.

Let's consider the procedure for applying for the production of a card via the Internet. This scenario is quite common.

Actions are reduced to the following manipulations:

1. Go to sovest.com. To do this, you will have to use any browser.
2. In the upper right corner or in the center of the page that appears, click on the "Apply" button.
3. Fill in the empty fields. Required areas are marked with "".
4. Click on "Checkout"/"Confirm".
5. Wait for a call from the operator.
6. Send a card order confirmation. At this point, you can arrange for the delivery of plastic by courier.

That's it. Now, after some time (the waiting period for the card varies from several days to a couple of weeks), the plastic will be delivered to the applicant. After that, it will be possible to activate the product.

Personal message

Reviews about the card "Kiwi" ("Conscience") are different. But many citizens are satisfied that this plastic can be obtained in different places throughout Russia. For example, in the Svyaznoy chain of stores.

To personally apply for a card, you must:

1. Bring your passport and proof of income (preferably).
2. Contact any Svyaznoy office.
3. Inform employees about the desire to receive the Conscience card.
4. Fill out an application and give it to employees.
5. Get bank plastic.

Sometimes cards are issued immediately, in some cases you have to wait a few days. But the personal design of plastic is the fastest technique. And they should not be neglected.

Activate the card

So, the plastic is in the hands of the client. What's next?

Now the card "Conscience" must be activated. All credit card holders face a similar process. But in our case, activation is performed non-standard.

The client needs to write the numbers from the plastic in an SMS message (there will be 16 of them) and send a letter to 5152. After that, the card will be activated. In response to a request, the holder of the plastic "Conscience" will receive a message with a PIN code. With it, all that remains is to make the first purchase.

Reviews about the "Kiwi" ("Conscience") card indicate that very often, when sending SMS, clients receive messages with refusals to activate. It turns out that there is always a risk that a credit card will be issued, but never used for the entire service period.

Terms of Use

Which bank issues the Conscience card? As we have already said, this product is offered by Qiwi-bank. This is a fairly large and well-known organization, it can be trusted.

What features of the Sovest card are offered to customers. It is worth paying attention to the following features:

• free shipping by courier;
• free plastic clearance;
• SMS-informing - 0 rubles;
• card valid for 60 months;
• loan rate - 0%;
• 1st year of service - 290 rubles;
• reissue, subsequent years of service - 590 rubles;
• maximum funds limit - 300 thousand rubles;
• minimum card funds - 5,000 rubles;
• loan term - up to 1 year (usually 3-4 months).

From the above it follows that "Conscience" is a rather tempting offer. This plastic attracts with its features. Only things are not as simple as they seem.

In case of delays

What iscard "Conscience", we found out. This product allows you to buy things in installments. What happens if a person does not pay on time?

Then the interest-free bonus expires. For each month of delay, 290 rubles are charged, and a fine of 10% per annum also appears. This must be remembered by every Qiwi client. Conscientious plastic holders will not face such sanctions. And if you pay your bills on time, then Conscience will have more advantages than disadvantages. The card fully copes with its tasks.

Cash

A distinctive feature of the "Conscience" card is that you cannot withdraw cash from it. Many holders of such plastic speak about it.

But you can replenish your card account through ATMs or terminals. Some are repulsed by the fact that Conscience cannot be withdrawn in cash. They do not warn about it when making plastic. This is really a minus. Perhaps one of the most significant. But he is not a reason to refuse the offer.

Features of payment for goods

What is the card "Conscience"? With its help, people in Russia can make purchases on credit without any overpayments. It seemed like the perfect arrangement. But in reality, everything is not so simple.

Why? You can pay with the Conscience card from Qiwi only in partner stores of the bank. There are just over 45 of them. In other stores, plastic does not work.

In fact, "Conscience" is a meansattracting new customers to specific outlets. And so some map will seem useless. Qiwi has many partners. But not everyone is shopping at these outlets.

About partners

In which stores will the "Conscience" card work? Usually this product is "compatible" with large Russian outlets. Credit cards will not work in small shops.

Among Qiwi partners, the following stores can be distinguished:

• "Shatura".
• "MVideo".
• "Messenger".
• "Aeroflot".
• Euroset.
• "Lego".
• "Ile De Beaute".
• "CityLink".
• LaModa.
• Xiaomi.
• "Being Mom".
• "Daughters-sons".
• "Yves Rocher".
• "LitRes".
• "Massage Paradise".
• "The Snow Queen".
• "585/Gold".
• Delivery Club.
• "Sunlight".
• "Samsung".
• "TopShop".
• "TiniDil".
• 4Game.
• iHerb.
• "Platypus".
• "Burger King".
• "Annex Tour".
• "Planet Sport".
• "Taystee Coffee".

That's not all. For a complete list of partner stores, please visit sovest.com. There, in the "Where to buy" section, you will have to set your region of residence. After that, a complete list of Qiwi partners will appear on the screen. Every month there are more and more of them. Local retail chains are also starting to accept Conscience cards.