Credit card "Conscience": how to apply?

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

Credit cards in Russia are in great demand. They allow you to buy things as soon as you need them, and then pay off the debt with interest. Credit cards work on different programs. They play an important role for clients. Most recently, the Conscience card appeared in Russia. How to issue it? What kind of plastic is this anyway? We will have to answer such questions next. In fact, such an offer may seem attractive to some residents of the country.

Description

What is the card "Conscience"? This is the first thing everyone will have to figure out.

This is the name of a plastic card from "Kiwi". "Conscience" is the most common credit card. She can pay for purchases, and then pay off debts. It would seem that nothing is difficult. But in fact, the Conscience card (we will consider how to issue it later) allows you to take goods not on credit, but in installments. You can call this plastic an installment card or an interest-free credit card. Pretty tempting offer - buy and not overpay.

About limits

Howissue a card "Conscience"? To get started, you will need to familiarize yourself with the basic terms of use. Plastic is issued for a maximum of 5 years. After that, it will have to be reissued.

The credit limit on the card is 300,000 rubles. You can't spend more than this amount. We will have to pay off the previously accumulated debt.

There are no more restrictions. Unless you can use plastic far from all outlets. But more on that later.

Basic Requirements

How to draw up a card "Conscience"? To do this, the client will have to meet certain conditions of Qiwi Bank. Usually there is no problem with this item. But everyone still needs to know about the requirements.

So, in order to apply for the "Conscience" installment card, you will have to:

• at least 18 years of age;
• have a permanent residence permit in the Russian Federation;
• be a Russian citizen;
• have no open loans (debts);
• have a good credit history;
• have an official source of regular income (it is sometimes required to confirm when applying for plastic).

Perhaps that's all. An installment card can be issued without confirmation of official income. But it is better if, by the time the request is made, the citizen will have the relevant papers. They will greatly simplify the procedure.

In addition to the requirements listed above, a citizen must have a personal mobile phone. Otherwise, the card will not be able to issue and issue. After all"Conscience" is tied to a mobile phone.

About partners

The catch of the studied plastic is that it does not work in all stores. Interest-free installments can be obtained by "Conscience" only at certain outlets. There are more than 45 pieces in total.

Before applying for a Conscience credit card, the applicant must find out with which organizations Qiwi Bank cooperates. For example, among them are:

• "Aeroflot".
• "Messenger".
• Euroset.
• "Platypus";
• "Bill".
• "MVideo".
• "Lamoda".
• INCITY.
• "Sunlight".
• "Burger King".
• "Ikraft Optics".
• "Ile De Beaute".
• "Lego".
• "Daughters-sons".
• "Kari".
• "Yulmart".
• Sony.
• "Samsung".
• "Shatura".

This is not all partner stores. But many people use them. In ordinary shops, paying with the Conscience card will not work. And this fact should be taken into account by everyone. Otherwise, the presence of the studied plastic will cause a lot of trouble.

Installment period

Many are interested in how much an interest-free loan is issued on the "Conscience" card. This is an important point. After all, after the expiration of the established deadlines, a citizenhave to pay a small fine. We will talk about him later.

Thinking about how to issue a Conscience card, the client must understand that installment plans are offered here for different periods. It all depends on which outlet the payment was made with plastic.

For example, you can focus on the following data:

• "MVideo" - 4 months.
• "Ikraft Optics" - up to six months.
• Svyaznoy and Aeroflot - 3 months.

The maximum installment plan is 1 year. It is recommended to check more accurate information in the partner store of Qiwi Bank.

Design steps

How can I apply for the "Conscience" card? To do this is not so difficult. But you will have to pay attention to the fact that the process is divided into several parts.

Namely:

1. Filing an application. The ways to implement the idea are described below.
2. Confirming the request and receiving the card in hand.
3. Activation of plastic.

Everything is extremely simple and clear. In general, the algorithm of actions is not much different from issuing a regular credit card. The difference is that "Conscience" does not require anything special from the client. And it is issued outside the banks.

Design methods

First, let's try to understand how to issue the "Conscience" installment card. More precisely, where can I do it.

Even at the beginning of 2017, such plastic was issued only to residents of the capital. But alreadyin the spring of the same year, "Conscience" began to issue in Russia.

How to bring the idea to life? Can:

• apply online;
• personally apply with a request to the representative office of Qiwi Bank.

In fact, everything is simple. And the registration of the card will not take much time. This usually takes about 10-15 minutes. Nothing difficult or special. Requesting this plastic is easier than a regular credit card.

Where to get it?

Where can I get a card "Conscience"? As already mentioned, plastic orders are made online. There is a site sovest.com for this. With it, you can not only learn about plastic, but also order it.

In addition, today the installment card under study ("Conscience") can be issued at any Qiwi representative office. For example, in some banks and multifunctional centers ("Geobank", "Sberbank"), as well as in partner outlets. For example, in "Connected".

Many people prefer to apply online. This is their legal right. In this case, plastic is received using courier delivery. It is completely free. This makes potential customers very happy.

Online

Where to apply for the card "Conscience"? In the Internet. But you need to do this only from the official website of the plastic. Otherwise, a citizen may face scammers.

The instructions for filling out an application on the Web look like this:

1. Go to the site in a browser (preferably from a computer)sovest.com.
2. Press the "Order/Get a card" button.
3. Fill out the application. Usually, here you have to write personal data, place of residence and the limit on the card that you want to receive (up to three hundred thousand rubles).
4. Click on the "Checkout" button.

That's it. Now it remains to wait for the manager's call, after which the plastic order will be confirmed. They call the client back in about 15 minutes, but sometimes you have to wait longer. The main thing is that after the above steps, the request will be sent for processing.

Personal decoration

Where to issue and pick up the card "Conscience"? For example, in "Connected". It is this point that is recommended for personal registration of an installment card. Finding these stores is easy - they are distributed throughout Russia. Therefore, there will be no problems with the production of the card.

The plastic ordering guide will look something like this:

1. Take your passport with you. If a person has a temporary residence permit, it is also desirable to have it with you.
2. Contact any Svyaznoy branch.
3. Inform employees that you want to issue a Conscience card.
4. Fill out the issued application.
5. Sign at the end of the document.
6. Give the application to the Svyaznoy employees.
7. Get the card in hand.

Usually the last step is done right away. But sometimes employees of the outlet may ask to wait for production.plastic. This is normal. In a few days, the client will be contacted and asked to pick up the finished Conscience card. With you, as you might guess, you will have to have an identity card.

Activation

A lot of trouble for clients is the search for an answer to the question of how to issue a Conscience card. Qiwi Bank requires its users to activate plastic. If you do not go through this procedure, you will not be able to use an interest-free loan. Many complain that they are denied activation. Often without even giving a reason. Thus, the card will be issued, but it will not be possible to use it.

So, plastic on hand. It is impossible to issue a Conscience card by phone, but with its help it will be possible to go through activation.

For this you need:

1. Get detailed activation instructions on your phone. To do this, you just have to confirm the application for a card.
2. Create a message with 16 digits of plastic.
3. Send an email to 5152.
4. Wait for a reply message. It will contain a PIN code.
5. Make any purchase with plastic.

It's done. Now the card "Conscience" is activated. It can be used without much difficulty, but with some limitations. We have already talked about them.

Delay pen alties

It is clear how to draw up the card "Conscience". Doing this is easier than it looks. Especially if the client was not denied activation of the plastic.

What to do if a citizen did not have time to pay off the debt on time? Then he will have to face a series of punishments. Namely:

• 10% p.a.;
• 290 rubles - standard monthly payment for late payment.

It's actually not as scary as it seems. In some sources, you can find information that delays are punishable by 29% per annum.

About the contents of the map

Of course, an important point is the maintenance of bank plastic. And this feature will also have to pay attention.

The production of the card "Conscience" is free. But you will have to pay for the service of the card. For the first year - 290 rubles, then - 590 rubles each. SMS-informing about promotions and payments for free.

Reissue of the "Conscience" card costs 590 rubles. But so far this operation is not in great demand. As we have already said, delivery of plastic by courier also does not require any costs from the client. It's very convenient!

Reviews

Should I mess with the studied plastic at all? Or is it better to stop using it? Qiwi Bank customer reviews will help answer these questions.

The thing is that the card "Conscience" is not very popular yet. Many customers complain about problems with activation, as well as the fact that not all stores can pay with plastic. This fact causes a lot of trouble. In addition, some say that the Conscience card often encounters system crashes. Because of thispayments have to be repeated several times. A trifle, but it is also worth paying attention to.

Positive feedback about the card "Conscience" also occurs. Customers who often make purchases from partners of Qiwi Bank emphasize that plastic completely copes with its tasks. Installments are provided without difficulty, you can repay it without interest and even ahead of schedule. There are no pen alties for this.

Results

Should I think about how to draw up the card "Conscience"? Yes, if a person often makes purchases in partner stores of Qiwi Bank. Otherwise, the plastic will not work. You are warned about this even at the time of registration of the application.

A slight disadvantage of plastic is that it cannot be withdrawn from ATMs. "Conscience" provides only cashless payments. Not very convenient. Especially if a person rarely makes purchases from Qiwi partners.

Applying for the "Conscience" card is as easy as shelling pears. The procedure takes only a few minutes. You will have to wait a few days for the plastic to be ready. If you personally apply with a request to Qiwi representative offices (they can be viewed on the official page of the service for each city), then the card will be issued instantly.