Современные банки России с каждым годом coming up with new methods to attract and retain customers. For example, recently consumer loans without guarantors, as well as installments, have become popular. The last operation with the help of banks can be realized through special cards. In Russia, they are found so far not so often. Only a few financial companies offer this service. Next we have to get acquainted with the card "Freebie" (Sovcombank). Reviews about it, conditions of receipt, advantages and disadvantages of the proposal - this is what we have to talk about. Only then it will be possible for you to decide for yourself how similar a plastic will be to a particular person.
Briefly about the offer
Reviews of Sovcombank "Freebies" are different. But what kind of plastic is this? What is it for?
При помощи "Халявы" граждане могут совершать purchases on credit without interest and overpayments. Actually by installments. It is very convenient. Map "Freebie" - plastic installments. As we have said, this service from banks is new.
Similar cards came to Russia in 2017.Earlier, "Freebie" appeared in Belarus. Therefore, do not consider the proposal a fraud. The studied plastic simply has a number of features and nuances. Which ones? About this we will find out further!
Ways to design
Reviews of Sovcombank "Freebie" emphasize that it is easy to get such plastic. Almost every adult citizen is entitled to it.
Get "Freebies" you can:
- making a request via the Internet;
- in Sovcombank;
- through special services of registration and issuance of "freebies".
Most often, plastic is either ordered online, orget acquainted with him in the windows of registration. The latter are placed in large shopping centers with high traffic. But in Sovcombank customers are offered an installment card.
Primary requirements
Reviews of Sovcombank "Freebie" credit card are positive because it is easy to issue. The main thing is to meet certain requirements. They are not so much.
To obtain a "Freebie" card, the client is required to:
- the presence of official employment (at least 4 months of work in one place);
- fixed income;
- age from 20 to 75 years;
- Russian citizenship;
- registration in the region of registration of the card is not less than 4 months.
It's all. Additionally, the applicant must have a telephone. It doesn't matter which one - landline or mobile. Better to have a second one. So working with plastic is easier.
Another nuance that is emphasized in the reviewsabout Sovcombank "Freebie" is a good credit history. If a citizen is an unscrupulous payer of loans, he may well be denied registration of plastic. Fortunately, this does not happen too often.
Documents for registration
To obtain the studied plastic requires a minimum of documents. Among the mandatory papers emit:
- passport;
- SNILS.
It'll be enough.From the client Sovcombank may require an income statement. But if you believe the reviews, such situations are rare. All deductions to the FIU are checked on the insurance certificate. In this way, the bank can verify the solvency of citizens.
Personal design
Need a Sovcombank "Freebie" card? Reviews about the installment program are varied. Among them there are good opinions and not very much.
Customers generally speak positively about the procedure for issuing a “Freebie” card. To personally receive the document, you will need:
- Collect a package of certain papers. About them mentioned above.
- Contact Sovcombank or a special card processing service.
- Fill out the application form.
- Get a installment card on hand.
That's all. Then it remains only to activate it - and it's done. Everything is simple, clear and very fast.
However, sometimes Sovcombank’s customer reviewsThe "Freebies" card is not the best. Some say that employees of a financial organization literally impose installment cards on their visitors. And this fact repels some. Many Sovcombank employees are too persistent. They do not just talk about the interest-free loan program, but also strongly encourage plastic design. Fortunately, such complaints are not very common.
Internet and card design
Often reviews of Sovcombank card users"Freebies" emphasize that the design of plastic through the Internet does not cause any trouble. The fact is that such a scenario is encountered in the overwhelming majority of cases.
To get "Freebies" via the Internet, you will need:
- Open in the browser site halvacard.ru.
- Click the "Get Halva" button.
- Fill out the application form. It requires a minimum of information.
- Click the "Checkout" button.
- Agree with the operator address of delivery. Customer will call after sending a request for processing.
- Get plastic. For delivery are used courier services.
Omsk User Reviews on Sovcombank Card"Freebies" distinguish the simplest form among the positive aspects of plastic design. In other regions of the Russian Federation on the receipt of cards via the Internet say the same.
Terms of use
What are the terms of use for “Freebies”? Before you draw up these or other cards, you need to find out how profitable they are. From some plastics there are only losses.
But not from this offer! User feedback on Sovcombank’s “Freebies” card (St. Petersburg, Moscow or other cities is not so important) distinguishes a rather large benefit from the service.
The fact is that each client is offered the following conditions for using the card:
- installment plan - up to a year;
- plastic action - 5 years;
- The maximum loan amount is up to 350,000 rubles;
- cashback - 1.5%;
- interest on loans - 0%;
- overdue crediting interest - 10%;
- penalty - 0.1% of the overdue amount per day;
- early repayment without penalty;
- delivery - 0 rubles;
- service is free of charge;
- delivery and production of cards - without charge.
Very tempting. Some say that "Freebie" can be used as a debit plastic for cashback. But what is dead?
Card feature
In Saratov, the "Freebie" card Sovcombank reviewsusers gets generally quite good. However, as in all other regions of the Russian Federation. However, some fear this proposal. After all, something must be a trick!
Так и есть.The “Freebie” card from Sovcombak can be used far from all stores. It is allowed to pay only in certain networks. In ordinary outlets, the offer from Sovcombank is useless.
Соответственно, далеко не всегда удается ощутить on itself benefit "Freebies". Many emphasize that the effect of this plastic is comparable to the work of the installment card "Conscience". If you believe some reviews, then the proposal under study is useless for those who do not buy from Sovcombank partners.
Partners
And where then can you pay to studyplastic? Reviews of users of Sovcombank "Freebie" indicate that this offer is only available in specific outlets. But you can pay with plastic both in Russia and in Belarus. It is very happy.
In total, "Freebies" emit more than 1,000 partner stores. For example:
- "Kari";
- "Hoff";
- "M Video";
- "The Snow Queen";
- Pyaterochka;
- "Chocolate Girl";
- "Lamoda";
- "Yulmart";
- Lego;
- "Insiti";
- Rostelecom;
- Beeline;
- "VulHaus";
- "Eco window".
A more accurate list can be found on the official site of the "Freebies" card. In the relevant section, customers see partner stores for their region.
About limits
Reviews of “Freebie” card holders in Russia often indicate that problems may arise when making plastic. In particular, because of the limits on loans. What is this about?
If you believe the description of the program, then the maximumThe loan is 350 thousand rubles. But in practice, to get such a limit is almost impossible. Clients get “Freebie” cards with restrictions of 15-20 thousand rubles.
The fact is that the amount of credit directlydepends on the size of the salary of the citizen. The higher it is, the greater the chance of a large limit on funds for the “Freebie” plastic. Managers say that they do not issue a loan above 2 person’s salaries. Therefore, rely on a large amount of credit should not be.
In connection with the listed features "Freebie"for some useless. Especially considering the fact that the main partners of Sovcombank either immediately buy goods for their money, or the loan is not enough. In principle, there is no need for people with a high level of income in installments.
Other reviews
What else do the “Freebie” holders say?Reviews of this plastic are ambiguous. But more positive than negative. Indeed, in general, this proposal is not a hoax. And everyone who is willing and employed will be able to arrange this card for himself.
Many emphasize unstable workMobile application "Freebie" from Sovcombank. In addition, some are not satisfied with charging a fee when replenishing a plastic account at bank cash desks. It is only 100 rubles, but even such a payment pushes some.
Кроме того, часть держателей карт ссылаются на the fact that the goods paid for with "Freebie" cards have an overestimated cost. And stock products do not allow working with the studied plastic. The bulk of discontent is found in Belarus.
Also among the disadvantages of plastic "Freebie"highlight the possibility of its adjustment without the knowledge of the holder. If the client does not use the card for a long time, the limit on it can be reduced by 40%. It is impossible to recover the old loan amount.
Outcomes
We found out what reviews about Sovcombank card"Freebies" leave modern customers. Many people believe that it is worth making this plastic when there really is a need for it. Just so take the installment card should not be.
In Russia, the plastic "Freebie" officially bears the name "Halva". It is under this name that citizens can see the offer from Sovcombank. But for the benefit of using it, the card was named "Freebie."
