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The time of appearance of the «Conscience» card is considered to be 2016. Such a proposal provided citizens with access to goods and services through interest-free installments. The funds are available to the client for several months. The card is characterized by a fairly high credit limit. However, it is rather difficult to call the reviews of many customers of using this loan product positive. Moreover, individual customers express full confidence that Qiwi Bank is simply capitalizing on customers. It is necessary to understand this issue in more detail.
The credit limit on the «Conscience» card from Qiwi Bank is from 5 to 300 thousand rubles. Funds can be used without interest, but only if the card is used to pay for goods or services at points that are partners of the bank. The card assumes the possibility of use within a time range from 1 to 12 months. Such an installment plan is provided not by the bank itself, but by its partners. Therefore, there are significant differences in the periods of interest-free refunds. If the borrower does not pay the bank on time, he will be charged interest, and the amount is about 10 points. You can pay with the «Conscience» credit card in «Perekrestok», «M Video», «Domovenka» salons, and some other organizations. A detailed list of organizations can be found if you go to the official website of the bank.
According to the bank, all participants will benefit from the transaction:
• The item can be received immediately and paid for later.
• For partner stores, such an offer is associated with an increase in turnover.
• The bank itself also makes a profit when making transactions.
Cash withdrawal by card is not available. You can use the card only for purchases in the stores of the partner network. Of course, before receiving a card, you must familiarize yourself in detail with the terms of its use.
List of conditions for using the card
No money is charged for issuing a card. Its validity period is 5 years. After the expiration of the term, the card is reissued. In case of loss or damage to the means of payment, 690 rubles will be collected from the holder.
The maximum credit limit is RUB 300 thousand. The minimum bar is set at 5,000 rubles. In case of full settlement within the period of the established installment plan, interest will not be charged. In case of exceeding the established period, the amount of accrued interest will be 10 points. A penalty is provided for late repayment. Its size is 290 rubles.
When the loan is closed, early repayment is possible. In this case, commissions are not charged, there are no penalties. With the help of this means of payment contactless purchase of goods is provided. You can place your own funds on the card. Then, if desired, they can be transferred to the Qiwi wallet. No commission is charged for the transfer.
Payments are made by the client every month. This is done during the month following the transaction. In the case of purchasing several products, payments are made for each of them. The fine is charged the next day after the delay is formed. Qiwi Bank sends all data on the loan to the BCH. Therefore, payments must be treated very carefully.
Requirements for applicants for a card
Any citizen of our country can receive such a card if he meets all the requirements that the bank makes. The borrower must be at least 18 years old. He must have a permanent place of work and registration in the territory of the Russian Federation. A passport is presented at registration.
The card is issued on the official website of the bank. If approved, the payment instrument will be delivered to the client by courier.
The list of advantages of using the «Conscience» installment card
The advantages of the card include the following points:
1. There is no annual card maintenance fee. Free card reissue is provided. But if the client initiates the card update, he will have to pay 690 rubles.
2. Provides interest-free provision of installments. But this rule is valid only if the citizen has time to make the calculation within the specified period. If the deadline is exceeded, interest will be charged. Funds are deposited before the 5th day of the next month. According to the recommendations of specialists, the money must be paid by the 30th of the current month. This will allow the client to protect himself from accidental delays in payments.
3. Funds are deposited to the card in a large number of convenient ways. No commission is charged for replenishment.
4. There is no need to connect the insurance service, there are no additional paid services.
5. No money is charged for sending SMS messages.
6. The credit line is renewable in nature. This saves the customer some time. Having issued a credit card «Conscience» once, the borrower can use it for a long time.
7. With a certain regularity, the bank holds all kinds of promotions.
Disadvantages of the «Conscience» card
Speaking about the advantages of the card, the disadvantages should also be mentioned:
• The affiliate network is characterized by a limited circle. Sometimes the whole problem arises to find a store that is a partner of the bank. This is especially true for provincial places.
• Technical problems occur quite often. This imposes certain problems when calculating for the purchase of goods.
• After applying for a card, it is often rejected. The creditor is not obliged to voice the reasons for refusal. According to statistics, approval takes place only in 40-45% of cases.
• Often the credit limit is very small.
• The loan is not repaid immediately. The money received on the card account will be sent for repayment only the next day.
• There is a large number of negative reviews regarding this lender. This clearly demonstrates how the bank treats its customers.
• There are certain problems when closing a payment instrument. The application is sent by mail. But that’s not all. It must contain a notarized signature. If the payment instrument has expired, this does not mean that the account is closed.
• Cash withdrawal by card at an ATM is not provided.
• The client is faced with receiving spam not only from the bank itself, but also from its partners.
• The lender has the right to change the terms of the agreement.
It is easy to see that the negative aspects have a fairly large list. For this reason, it is difficult to talk about any pronounced benefit for the client.