Installment credit card "Conscience": owner reviews, conditions and features

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

Today we will study reviews of the "Conscience" installment card. This proposal appeared in Russia quite recently. But now plastic is of considerable interest to the population. Therefore, it is necessary to understand what kind of credit card this is. What are the pros and cons of it? How to order "Conscience"? What is the catch of using plastic?

Short description

First, let's figure out what we'll be dealing with. Reviews of the "Conscience" installment card indicate that this plastic is used as a regular credit card. But it does not provide for charging interest on purchases made.

Interest-free credit - that's what the "Conscience" card offers its customers. Buy on a loan without overpayments? Now it's possible! But is everything as good as it seems?

About design

Reviews about the interest-free installment card "Conscience" are left by different consumers. There are both positive and negative ones among them.

Earlier, people emphasized that plastic can only be used in Moscow andSPb. But since the spring of 2017, "Conscience" began to be issued throughout the country. And this is good news.

It is proposed to issue plastic:

• online;
• personally at special points (for example, in the Svyaznoy store).

Everything is extremely simple and clear. Even a schoolboy will be able to cope with the design of the "Conscience" installment card. Feedback often emphasizes that applying is the easiest thing to do. Further, the situation may change radically.

Steps to use

The thing is that in order to use the Conscience card, you will have to follow certain instructions. You need to activate the plastic. Without this, they are prohibited from paying. The transaction will simply fail.

In general, the process of obtaining the Conscience card looks like this:

1. Filing an application for the issuance of plastic.
2. Order confirmation.
3. Getting the card.
4. Document activation.
5. Make your first purchase with your card.

Only after that, all the possibilities of the Qiwi installment card "Conscience" will open before the client. Reviews emphasize that there are often problems with activation. That is, they bring plastic, but it is impossible to use it. And such complaints are not uncommon.

Order online

Now a few words about how to properly order the studied plastic. Without this operation, it is not possible to use Conscience. Therefore, you have to spenda little time.

Reviews on the "Conscience" installment card emphasize that it is most convenient to order it via the Internet. Qiwi offers free courier delivery, which attracts people. Get an interest-free credit card without leaving your home!

The order guide looks like this:

1. Go to the site "Conscience.ru". Reviews about the installment card refer to the fact that you can open the sovest.com page in the browser. The user will be automatically redirected to the site with the corresponding offer.
2. Press the "Apply/Get a card" button.
3. Fill out an application. It will require you to write your income, personal data and contact phone number.
4. Click on "Continue" or "Submit Application".
5. Wait for the operator's call. You can discuss delivery details with him.

That's it. Now it remains only to wait for the courier to bring the plastic. It will be packed in a special envelope. On average, delivery takes several days. Reviews about the installment card "Conscience" in this regard are not the best. Many people say that plastic delivery is too long.

On my own

It is preferable to order a card yourself at Qiwi outlets. Today, such services are provided by the Svyaznoy and Geobank networks.

To order plastic"Conscience", you need:

1. Prepare documents - passport, application, income statements.
2. Contact any Svyaznoy or Geobank office.
3. Inform the office staff of your intentions.
4. Submit application.
5. Get a bank card in hand.

If you believe the numerous reviews, the plastic will be issued instantly. And only occasionally you have to wait a few days. Everything is much easier than it looks!

About activation

Reviews about the "Conscience" installment card often emphasize problems with plastic activation. The process itself is simple to madness - you need to send in an SMS message 16 numbers engraved on the received credit card. The letter is sent to number 5152. In response, a PIN is received, using which you can make the first purchase.

Unfortunately, activation is a supply vulnerability. Often, the operation is denied. This happens for various reasons. No one is immune from rejection. Most often, such situations are the result of system failures or bad credit history, the presence of debts.

Can they refuse to activate plastic just like that? Easy. Qiwi has the right to refuse to service cards without explaining its behavior. Fortunately, this is a huge rarity.

Requests to clients

We figured out how to get the "Conscience" installment credit card. The terms of its use will be presented to your attention later. The first step is to find out what criteria the client must meet. Or is plastic given out to everyone?

Almost. The main thing is that the citizen should meet the following criteria:

• citizenship of the Russian Federation;
• at least 18 years of age;
• having a stable income (official);
• good credit history;
• no outstanding loans or delinquencies.

A conscientious and responsible person will not have problems with registration and activation of plastic. The exception is cases in which the applicant is a foreigner. Today in Russia "Conscience" cards are issued only to citizens of the Russian Federation. But it should not be ruled out that very soon this plastic will be available to everyone.

What other reviews are there about the approval of "Conscience" installment cards? With a bad credit history, a client will be given it, but they will not be allowed to activate it. Therefore, anyone can order a card, but it can only be used if the above conditions are met.

Card offers

What opportunities does the installment card "Conscience" open? Reviews about this plastic emphasize that the conditions for using the offer at first glance seem tempting.

Features of the service:

• free delivery by courier around the city;
• free plastic clearance;
• free SMS informer;
• card valid for 5 years;
• early repayment of debt - possibly without pen alties;
• installment period - changeable, maximum 12 months;
• limits - 5-300 thousand rubles;
• percentagelending rate - 0%;
• pen alty for late payment - 10% per annum and 290 rubles for each month of non-payment;
• 1st year of service - 290 rubles;
• following years of card maintenance - 590 rubles;
• replenishment of the balance - no commission.

It would seem that all this makes the "Conscience" interest-free installment card an ideal plastic. But actually it is not. What is the main catch of the proposal?

About tricks

Reviews about the "Conscience" installment card refer to the fact that plastic can not be used everywhere. It is offered to pay with it only in Qiwi partner stores. The card will not work in other outlets.

Also, you can't withdraw money from your credit card. "Conscience" provides only cashless payments. And cash in ATMs is not withdrawn through it under any circumstances.

Where to use

Reviews about the "Conscience" installment card in St. Petersburg and other regions of Russia emphasize that purchases can only be made in specific stores. Every month there are more and more Qiwi partners working with credit cards.

Among such companies are:

• "Aeroflot";
• "LitRes";
• "Daughters-sons";
• Lego;
• "Ile De Beaute";
• "Eldorado";
• "Kari";
• YulMart;
• "Mvideo";
• "LaModa";
• "Burger King";
• "Platypus".

In total, "Kiwi" has more than 40 partners. A complete list of them for a specific region can be seen on the sovest.ru website in the "Where to buy" section. Here are all the stores that accept "Conscience" without any problems.

Conclusions

We figured out what the studied plastic is. He receives different reviews - both good and not very good. Someone is delighted with the service of "Conscience". Such people usually say that plastic really helps to buy and not overpay. The main thing is that the loan does not have delays.

There are also those who are disappointed. Among such clients, people with bad credit history usually stand out. They, as already mentioned, will be given plastic, but not activated. In addition, some people leave reviews about the Conscience installment card of a negative type for the rudeness of couriers and for the fact that it is not universal plastic.

It is recommended for people with high incomes. After all, if you believe the reviews, then the limit on the cards "Conscience" is offered depending on the level of salary. Many were issued cards that allowed them to spend only 10-15 thousand rubles. This is very little. I had to reissue the plastic several times.

In any case, "Conscience" is not a scam. If you take into account all these nuances, there will be no problems with the use of plastic.