What do you need to decorate halva. Interest-free loan "Halva" from "MTBank": installment plan on favorable terms. Interest on the balance

(2 estimates, average: 5,00 out of 5)

Many Sovcombank clients are interested in how to issue a Halva card. It is very simple to do this: for this you need to go to the official page and send an application. How exactly to do this will be described below.

Description of the card "Halva", when the installment plan is valid

This card is issued free of charge. It is valid for 10 years. Reissuance is free, but if the card is lost through the fault of its owner, it will cost 450 rubles.

The user can order a card with an individual design. In this case, the cost of registered plastic will be 2,000 rubles, and unnamed - 1,000 rubles... But customers rarely use this opportunity, because they prefer to get a card for free.

By concluding a contract with the bank, the user signs an agreement for a period of 10 years. If necessary, the contract can be closed ahead of schedule or extended.

According to the terms, the client does not have to pay for year-round maintenance. The main advantage of such a card compared to credit cards is that it is completely free.

Recently, Sovcombank introduced the service “increase in installments for an additional payment”. Initially, the standard card entitles you to free service for a period of one year. If you want to extend the term, you should connect to one of the offered tariffs, the cost of connection to which and their validity period are indicated in the following table.

The commission must be paid only once. Immediately after payment, the tariff begins to operate. Additional terms are provided for a limited period (indicated in the "expiration" column). If desired, the terms can be summed up, but in any case, the user has the right to a maximum of 2 additional years of using the card.

The selected tariff can be activated independently by going to the nearest bank branch and paying for the service through the terminal. You can also do this using a manager or a smartphone app. Another option is to call the nearest call center.

Advantages and disadvantages

The proposed card has both advantages and disadvantages. Among its advantages are the following:

1. The user is given the opportunity to pay for the purchase with his own money and get cashback in the amount of 1.5 percent. This means that the cardholder must first deposit their funds into the account. They will be debited when purchasing the product, after which the user will be credited with cashback.
2. The partner stores that cooperate with the bank in the provision of this service offer a variety of products. The list of stores can be viewed on the website -.
3. When receiving an installment plan, the user does not need to make an initial payment. That is, the purchase price will be split into several payments. Their number depends on the term of the installment plan.

The credit card balance can be replenished in various ways. The client has unlimited access to the funds deposited on the bank card.

Also, the "Halva" card has disadvantages. Here is some of them:

1. The card can only be used in partner stores. In other trading companies, you will not be able to pay with it.
2. To get the limit for the maximum amount, 350,000 rubles, you will need additional financial capabilities: you need not only to write a statement, but also make purchases on a monthly basis for a maximum amount of 500,000 Russian rubles.
3. The user may not receive a credit card, because the bank has the right to refuse to issue loans if, according to the results of the check, inconsistencies with the lending standards are revealed.

Since this card product is a credit card product, its application will be included in the user's credit history. Therefore, if the client plans to take a large loan in the future, the history load should be assessed.

How to get a Halva card in three steps

To receive a Halva card, follow the steps below:

1. Having entered the official page, you must fill out the proposed form.
2. In an hour the manager will contact the client and inform about the decision made by the bank's employees.
3. After that, the user must go to the nearest bank branch or order delivery by courier.

Separately, it should be said about how the profile looks like. It contains columns such as the user's initials, date and city of birth. The client's cell phone number is also required.

Terms of registration, documents

With regard to the terms of registration, the borrower must fulfill the requirements listed below. He must have not only Russian citizenship, but also a permanent residence permit in the region where the nearest bank branch is located.

The client must be at least 20 years old. The maximum age of a user when he can receive such a card is 75 years. The recipient must have work experience at least 4 months... Also, the applicant must have a home or work telephone (landline). In addition, the user must present the following documents:

1. Passport of a citizen of Russia.
2. Certificate of income received (most often they require 2 personal income tax).
3. Documentation that proves ownership of a car or home.
4. A copy of your retirement or driver's license.

It should be remembered that this is a list of basic documents only. Some banks impose a number of additional requirements on customers. Repayment of "Halva" is carried out in a convenient way for the client.

Tariffs and commissions

On the "Halva" card, which works with the system for making payments Master Card World, the following tariffs. The client is offered an interest-free installment plan for 1 month at 0 percent per annum. If the installment period was violated, the rate increases to 36%.

If the payment is late, the user is charged a penalty of 0.1% per day. When a user withdraws cash in one of the bank branches of Sovcombank for his own money, no commission is charged from him. The service of receiving notifications about the performed actions and the amount of credit debt is free.

Also, the list of free services includes connection and application of the system for online service of the user. You will have to pay 10 rubles for a balance request at an ATM, but you do not need to pay for this service at Sovcombank... As for the commission, it is not charged for replenishment of the account and early repayment of the loan. Where can I pay with the Halva card? In almost all stores!

Halva card limits

Today, the average approved limit is 80,000 rubles.... After the user fully redeems the cost of the last purchases, the money limit on the card will be restored, and the client will again be able to make purchases.

This option is convenient for those who prefer to make purchases for a large amount and plan to issue an installment plan for them. The owner of "Halva" receives an interest-free loan. They only pay the cost of the purchased product. The size of the limit depends on the following factors:

1. Today, the maximum amount can be equal to three of the borrower's wages. The manager accepts this information from the borrower orally.
2. The amount may decrease if there are loan delinquencies.

Since 2018, the user has been granted the right, on his own initiative, to submit a request for an increase in the credit limit. You can also send an application using the mobile application.

Is it possible to withdraw money from the Halva card - this question is of interest to many. Yes, if the money is on top of the credit balance!

How to use the card

When it comes to spending money, when the first purchase is made, the contact chip should be used. If goods are purchased for up to a thousand rubles, they are paid through the PayPass system. When the amount is greater, you must enter the password 1111. Discounts are valid during the service period of the bonus card.

It is easy to pay off "Halva": to do this, follow the path for which purchased goods you plan to pay off. Next, you need to enter the created account on the official page and click "pay off the debt."

A convenient option is “automatic repayment”. The required amount will be booked and debited from the account on the 15th of the next month. You can find out the amount of the payment and the deadline for making it on the official page by going to the client's electronic account.

Trick # 1

Penalty for late payment to the card.

Every month, by the 15th day, the client must replenish Halva for the amount of the next installment payment. In case of non-payment on time, a lump sum of 590 rubles withdrawn from the credit limit and interest in the amount of 19% per annum begins to drip from this debt. If the buyer does not have a credit limit on the card or it is not enough, then Sovcombank calls it "unauthorized debt" and interest is charged on its amount at a rate of 36% per annum. Plus to this a daily penalty of 19% per annum of the debt is charged. For the second consecutive delay, payment of 1% of the debt amount is added to the specified sanctions at a time, and for the third consecutive - 2%. Clients often talk about such situations in numerous reviews.

Let's calculate how much this is in absolute values ​​using an example, is this such a big catch. Let's say you made a purchase using a Halva card in the amount of RUB 30,000. for a period of 3 months. The monthly payment is 10,000 rubles. If you withdraw money from the credit limit, you will pay Sovcombank about 2.8 rubles per day. If there is no credit limit - 10 rubles per day. Starting from the 6th day, the amount of the daily fine will be 10 rubles. Is it so much, you decide.

Trick # 2

12 months installment is not actually available

More correct not so. 12 month installments are available, but in a limited number of stores. In fact, having visited the store with Halva, a catch awaits you. It is not the customer with his card that sets the number of payments, but the store itself specifies how many parts it can split the purchase price into. And most of Sovcombank's partner stores have 2-4 payments. In the reviews, customers talk about the credit institution encouraging the extension of the installment plan for money.

Trick # 3

More expensive goods in partner stores.

If you compare the prices of goods sold on the Halva card with other similar ones, you can see their higher cost. And for this you don't even need to study numerous reviews. Sovcombank has agreed with retail outlets of expensive well-known brands and large chain stores, where the price is always higher than in some small store. Yes, it is not so convenient for a client to buy in a store, and they will not give installments there. And it will be even more expensive to take on credit there. It's up to you whether it's from the Halva card or not.

Trick # 4

Products for the promotion in installments are not available.

Among other advantages for holva credit card holders, Sovcombank also speaks of special discounts for such customers. Indeed, these buyers may be offered special promotions and discounts. But the catch is that you can buy these goods in installments only at full cost. Or an installment plan, or a discount. Our readers have told about this in numerous reviews.

Another example, also taken from the testimonial of a Sovcombank client. Having made a purchase from a Halva card in installments for 4 months and having ordered home delivery, the store and the bank threw a trick - the registration took place for 2 months. To questions from customers, bank employees answered that upon delivery, the repayment period is reduced to 2 payments.

Trick # 5

The reality of the credit limit.

The tariffs of the Halva card say that the credit limit for purchases in installments can be up to 350,000 rubles. In reality, it happens very rarely and it is generally problematic to get it, which is very often said in their reviews by clients. You still need to prove your solvency to Sovcombank, so that it would allow you to pay for purchases on credit. Therefore, not everyone will be able to use Halva as a regular credit card. For some, this is a serious catch, because the interest rate is small - only 10%.

Trick # 6

Sudden blocking of the Halva card.

Recently, in the reviews, customers often mention cases of sudden card blocking by Sovcombank. And this is after making purchases in installments and successfully depositing money on Halva. The catch is that employees "require" the provision of a certificate of income 2-NDFL to unblock the card. One of these customer reviews can be found below.

The discount is valid until 31.05.2019

Due to its relative "youth", many consumers confuse the Halva card with an ordinary credit card, which almost every Russian bank considers issuing to each of its clients a mandatory procedure. However, the Halva installment card, the conditions for obtaining in 2017 still remain extremely simple, much more profitable and more convenient than any credit card. It is often possible to come across the opinion that obtaining a Halva card entails some difficulties and in general is a long process, but in fact it is available to almost everyone.

Where to contact?

The very first question, which is quite understandable for a consumer, is where you can get a Halva card? By the way, for 2017, an installment card, which, in fact, is the considered banking product, can be obtained in only four banks in the country. You can get a Halva card, for example, at Sovcombank. For the sake of fairness, it should be noted that the conditions for using installment cards in each bank are different, however, it is Sovcombank's product that is most beneficial for the widest possible range of customers.

So, the question of where to get a Halva card has only one answer: in Sovcombank. Does this mean that anyone can go to the nearest bank branch and leave with a card? Of course no.

Despite all its advantages, the Halva installment card, how to get which, we will tell you a little below, is a type of credit card, which means that the conditions for issuance are strictly regulated and specified in the rules.

Who can give out Halva?

The Halva card assumes quite simple conditions for obtaining. If you are interested in getting it done, make sure you meet the necessary criteria:

• You are a citizen of Russia;
• You are at least 20 and no more than 80 years old;
• You are officially employed, and at the current place of work the length of service is four months or more;
• You have not changed your registration address for four months before contacting the bank, and registration is required on the territory of the Russian Federation;
• In the settlement at the place of your registration, there is a branch of Sovcombank or no more than 70 km from the place of your registration to it;
• It is imperative to provide a landline phone number - home or work.

These conditions are not selective - for the Halva card, the conditions for obtaining in 2017 imply their simultaneous fulfillment.

What does it take to get Halva?

It is not difficult to obtain a Halva card from Sovcombank, the conditions for obtaining and reviews of which convincingly prove that almost everyone needs it. This requires just two steps:

1. Fill out an application for issuing a card on the bank's website. Please note: when filling out the form, you will not be told whether the application is approved or not. Before you get a Halva card at Sovcombank, in any case, you cannot avoid the second step.
2. Personally visit the nearest branch of the bank, where the loan officer, relying on the data of the completed questionnaire, will clarify all the missing information, completing the registration procedure.

All these actions will have to be performed before receiving a Halva card, but there is still no one hundred percent guarantee that you will be given it. The bank will make the final decision after a while, and if it is positive, then you will be informed about it, while the refusal will not be notified. After you can get a Halva credit card, you will need to visit the same branch of the bank, where you will be given it in your hands.

Can they refuse to issue and in what cases?

Even knowing exactly how you can get a Halva card, and apparently fully complying with the set criteria, some clients are faced with the fact that they are denied issuance. Why is this happening? As practice shows, this is inevitable in the case of:

• The presence of a negative CI or its complete absence. Despite the loyal conditions and a lot of differences, Halva is still a kind of credit card. Therefore, the chances of getting a Halva card with a bad credit history are as low as the likelihood of getting any other bank loan.
• Errors (accidental or intentional) when filling out the questionnaire. Bank employees very carefully double-check the data you entered, and therefore attempts to deceive or cheat them are absolutely useless. If any inaccuracies are found, no one will call you and ask you to correct them - they will simply refuse to issue you.
• For the Halva installment card, the conditions for obtaining involve the provision of several documents, in particular - a passport. If at the time of consideration of your application one of the documents turns out to be invalid, you will not receive what you want. Most often this is due to the missed deadline for pasting a new photograph in the passport that corresponds to the age established by law.

As you can see, on the Halva card from Sovcombank, the conditions for receiving in 2017 do not require something impossible from the client. Therefore, if you meet the above criteria, did not have time to acquire a negative credit history and your documents are in perfect order, feel free to go to Sovcombank for a Halva card: you already know how to get it.

What documents will be required to provide

If you decide to become the owner of a Halva card from Sovcombank, the conditions for obtaining and reviews of which are now well known to you, worry about having all the necessary documents in advance. Check that those of them, in which the limitation period plays a role, are not expired, that all photos are pasted on time, etc. In order to receive a Halva installment card, you will need:

• Passport of a citizen of the Russian Federation with registration;
• A certificate from the place of work, which should contain information not only about the amount of your salary, but also about the period from which you have been working in this enterprise.

If you receive salaries, pension, social payments in Sovcombank, or you are the owner of a deposit account with this bank, the conditions for issuing them will most likely become much easier for you.

Halva is gaining more and more new positions in the financial market every day. A huge number of clients, increasing daily, have managed to appreciate the convenience and benefits of this banking product. If you meet the criteria according to which Halva is issued, go to the bank and arrange for yourself this option of instant installment plan.

Get a Halva card on the most favorable terms!

As a partner site, we offer you to issue a Halva card following a link from our site, these are the most favorable conditions!

As an alternative to the card with a cash limit, an installment card called "Halva" was developed and issued. How to arrange this product, as well as what its main advantages and disadvantages are, we will consider further.

The Halva card (in Russia, this product has been issued since March 28, 2017 by Sovcombank) first appeared in Belarus, where it gained popularity among various segments of the population, and quickly took a leading position in the banking market. Of course, at the moment, the main goal of Sovcombank, as an issuer, is to achieve similar results in the Russian Federation.

This type of plastic is a kind of "banking innovation". Using this payment method allows you to make purchases that do not exceed the available credit limit. At the same time, the grace period exempting from the accrual of interest can be up to 12 months.

So, this credit card "works" as follows:

• The client can pay with funds from the account provided to him in any store included in the list of the bank's partners.
• The amount spent is automatically divided into equal parts and is repayable on a monthly basis. In this case, no interest is accrued.
• The grace period directly depends on which stores (from among the partners) the client has purchased.

Thus, the Halva credit card allows customers to receive an installment plan for any purchases without individually arranging a loan for each purchase. In addition, the monthly renewable limit allows you to use it multiple times.

Borrower requirements

The procedure for issuing a debit card is much easier than that of a credit card. In the case of installments, the conditions and requirements are almost the same as in the case of borrowed funds. Customers who meet the following criteria can apply for a Halva card:

1. Citizenship of the Russian Federation;
2. A valid passport of the Russian Federation (it is the main one of all the required documents);
3. Age (20-75 years old);
4. Employment (to issue a card, a citizen must have an official place of work);
5. Work experience (filing an application is allowed after 4 months of work at the current workplace);
6. Registration (registration in the region where Sovcombank's representative offices are located);
7. Means of communication (a prerequisite is the indication of the client's cell or landline phone number).

The easiest way to get a Halva card is an online application, which takes a minimum of time to fill out. It can be submitted both on the official website (a link directly to the form and an extract from the condition is presented below). Since the issuance of a credit card by installments does not need to be supported by certificates and a copy of the work book, an application can be submitted only on the basis of passport data and SNILS.

So, below is the direct procedure for obtaining plastic via the Internet:

1. 15-30 minutes after the client submits the application, a bank employee contacts him, who checks the specified data and makes sure that he intends to receive a credit card;
2. The employee selects a branch suitable for the applicant and, accordingly, directs the client to it;
3. In the department, before receiving the required product, a person needs to fill out a short questionnaire. After sending it, the bank examines the credit history of the potential holder of the plastic card;
4. In case of a positive decision, this means of payment is issued on the spot.

Thus, in total, before receiving plastic, a person will have to spend 10 minutes filling out an online form and 15-20 minutes at a bank branch.

Getting Halva at home is possible only for residents of Moscow and the Moscow region.

Conditions

Before using the card, it is necessary to study the features of its operation and tariffs. A complete list of them is indicated in the agreement, as well as on the bank's website. We will highlight only the main ones. So, the terms of use include the following provisions:

1. Payment system. "Halva" - a credit card issued on the basis of the MasterCard payment system;
2. It is possible to use contactless payment technologies, including PayPass, ApplePay and SamsungPay;
3. Release. The emission of plastic is carried out is free, as well as the registration of an online application for its receipt;
4. Free service;
5. Limit. The maximum credit limit is RUB 300 thousand;
6. Interest. Outside the grace period, the interest rate will be 10% per annum (however, in the event of a delay in debt, the rate will already be 36%);
7. Depositing funds. The amount of the commission depends on how you want to fund your account. About this in the next section of the article;
8. Where can you use the map. At the retail outlets of the partners of the card issuing bank.

How can I fund my account and can I withdraw cash?

How to top up the card:

• Is free. Replenishment of the account without commission is made through terminals and ATMs of Sovcombank.
• With a commission. At the cash desk of Sovcombank, the commission is 100 rubles. When transferring from an account of another bank, the commission will be 1-5%. It is also possible to deposit funds on the same conditions at the branches of the Russian Post.

How to withdraw money:

• Withdrawing cash related to borrowed funds is not possible.
• For withdrawals of cash deposited in excess of the limit, the commission is not debited. You can store and use your own money without restrictions.

Payment features

Comparing "Halva" with other products of Sovcombank, one can notice some "catch" in the conditions of its use. Indeed, the lack of service fees, the long grace period and the low interest rate seem suspicious. However, user reviews indicate the veracity of this information. However, there are also some pitfalls, namely:

1. The installment plan is provided exclusively in partner stores located in Russia and Belarus (where it is issued by MTBank). At the same time, in large retail chains, installments in most cases can be obtained only for a minimum period.
2. It is impossible to issue a product with a bad credit history. In addition, the bank may refuse to issue plastic without explaining the reasons.
3. Halva card partners do not always provide installments for promotional goods.
4. Penalty system. If the client does not timely notify the bank about the change in his data, he will be fined in the amount of 3 thousand rubles.

Affiliate network

The partner network of Sovcombank includes more than 30 thousand retail outlets. For example, among them are the following high-profile brands:

• M.Video hardware and electronics store;
• salons of cellular communication MTS and Beeline;
• tour operators TEZ Tour and OneTwoTrip;
• grocery chains Pyaterochka and Economy;
• Pandora jewelry and the Magic of gold;
• clothing and footwear stores Lamoda, Curry, Sela.

Moreover, the list of stores is constantly expanding. Almost any retail outlet can become a partner of the bank. Next, we offer you a complete list of Halva's partner stores and the size of the installment plan for them.

Advantages and disadvantages

In order to decide whether to get an installment card, you need to carefully evaluate its advantages and disadvantages. So, its positive features include:

• free maintenance and release;
• long grace period;
• transparent terms of use;
• the possibility of depositing funds on the card without a commission, as well as withdrawing them (only your own);
• free SMS informing and internet banking;
• the presence of a cash back in the amount of 1.5% when paying for the purchase using your own funds on the account.

However, along with the advantages of the card, there are also disadvantages:

• it can be used to pay in a limited number of outlets (only in stores from the bank's list);
• the inability to withdraw cash (we are talking about borrowed funds, they cannot be withdrawn under any circumstances);
• small loan amount (large limits are rarely approved);
• if the plastic is not used for 6 months, it is automatically blocked;
• the bank has the right to independently change the conditions for using the product, as well as terminate or amend the agreement, transfer the client's personal data to third parties;
• spam - upon receipt of this plastic card, the client automatically agrees to receive advertising mailings;
• any funds credited to the account will be automatically debited to pay off the debt (provided that part of the limit has already been spent).

How to pay off the debt?

The operation of depositing funds to such a card has its own characteristics. If the account is replenished before 3 pm on a weekday, the loan is repaid on the same day. However, with a later application, it is carried over to the next day.

Ignorance of this nuance can lead to a delay in payment. In this case, the bank imposes a fine on the client, and 36 percent per annum is automatically charged on the loan.

It should also be borne in mind that the procedure for crediting funds takes place on a daily basis. At the same time, money is not credited to the account on holidays or weekends, and therefore it must be paid in advance. That is, in order to avoid penalties, it is optimal to replenish the balance a few days before the payment date.

An example of the action of the installment plan.

Promotion "12 months by installments"

Sovcombank has decided to launch a promotion (it has been in effect since June 19, 2017), which allows you to very profitably purchase the goods you are interested in in the first place. For the first purchase, the client is provided with a guaranteed installment plan for 12 months. Additional parameters of this innovation are as follows:

• the purchase amount must be at least 1,000 rubles;
• the purchase can be made in any store of the partner network;
• you can purchase several products at once, but only one receipt at a time;
• the promotion will last until the end of 2017.

Which is better: "Halva" or "Conscience"?

A similar product called "" has also been released by Qiwi Bank. This plastic has similar design conditions and the nuances of how to use it. However, KiwiBank has only one representative office, which significantly complicates the customer service procedure. However, the rest of the question of choosing which product to open is a matter of purely individual preference.

Halva is a really interesting and profitable product. However, in large stores this facility provides a small installment plan, which makes it difficult to pay for some "large" purchases. Whether this restriction will be lifted in the future has not yet been determined by Sovcombank.

Comparison: Halva and Conscience.

Installment cards in Russia appeared not so long ago. But now such offers are very popular with different banks. With the help of such plastic, you can make purchases in installments. Very comfortably! Below we will consider the Halva installment card. Feedback on this offer, terms of use and design features will be presented to your attention. Only after that it will be possible to understand how profitable this plastic is.

Description

The reviews about the Halva installment card are different. But more on that later. First you have to understand what exactly it is about.

"Halva" - plastic from the Sovcombank company. It allows its holders to purchase goods on an interest-free loan. That is, in installments. No overpayments or cheating! Now you can buy and then pay exactly as much as the goods cost!

But what are the most common reviews of the Halva installment card? Should I contact this offer? And what conditions must be met when using plastic?

Terms of registration

It is important to understand that not all citizens can issue a "Halva". The point is that a number of requirements are put forward to the holders. If they are not followed, the issuance of plastic will be refused.

So, here are the criteria that must be met:

• the age of the applicant is from 20 to 80 years old;
• Russian citizenship;
• permanent official income;
• the presence of a permanent place of employment (you must have worked in the last company for at least four months).

In addition, the person must have a telephone - landline or mobile. It is required for communication with the client. Reviews of the Halva installment card are already positive because the bank's requirements are not the most stringent. And almost every adult citizen of the Russian Federation will be able to receive this plastic.

About card ordering

"Halva" can be decorated in different ways. And this fact pleases many clients.

Today it is proposed to issue plastic by installments:

• in special points of "Halva" representation;
• in some banks (Sovcombank, MTBank and so on);
• through the official site of "Halva".

The variety of design methods favorably affects the public's feedback on the proposal. This is not a scam. And the installment card can be trusted. But is it worth it?

Stages of obtaining a card

Reviews in Russia about the Halva installment card are mostly positive, but with some reservations. For example, plastic holders often emphasize that receiving a card takes place in several stages.

Namely:

1. Collection of documents. Sometimes a passport with a residence permit is enough. In some cases (for a large limit), an income statement and a statement from the place of work are required.
2. Submitting an application for the issuance of a card.
3. Confirmation of the application.
4. Getting plastic.
5. Making the first purchase with the card.

It would seem that there is nothing difficult or incomprehensible. But customer reviews about the Halva installment card emphasize that if there are no problems with the application of the established form, then unpleasant features may emerge when the card is issued. Which ones?

About activation

First, let's figure out how to activate the plastic called "Halva". This is a fairly simple operation and receives overwhelmingly positive customer reviews. It is enough just to pick up the finished card and make a purchase with it.

That is, "Halva" does not require any special activation. After its delivery, the recipient can take advantage of all its offers.

There are reviews emphasizing that in order to activate it is necessary to replenish the Halva card and make the first purchase. It is enough to "throw" even 20 rubles on the plastic and buy coffee. This is not such a big problem.

Terms of Use

We have studied some reviews about the Halva installment card (Sovcombank). The terms of use of this plastic also delight the bulk of customers. Some people do not believe that the installment card really allows you to get the benefits offered. What is it about?

Today "Halva" is used subject to the following conditions:

• the effect of plastic - 10 years (from 16.10.2017);
• service - free;
• release of plastic - free;
• funds limit - 350,000 rubles;
• cashback for the balance on the card - 7-8% (from November 2017);
• cashback for transactions - 1.5%;
• SMS-informing on transactions - 0 rubles;
• mobile and internet banking - free of charge;
• loan term - from 3 to 12 months;
• withdrawing funds from the card - yes, no commission;
• delay rate - 10%.

It turns out that the plastic under study is really beneficial. It allows you to purchase goods in installments without overpayment. Just what you need if there is no money!

Card limits

Reviews of the Halva installment card (we have studied the terms of its use) emphasize that when registering plastic, customers may encounter a limited credit limit. As already mentioned, the maximum amount of debt is 350,000 rubles. But this does not mean that so much will be offered to each client.

Usually, customers are issued a Halva installment card based on their official income. Sometimes the plastic limit is very limited. For example, you can easily get an installment card with a limit of 15-20 thousand rubles, but with a low level of income, it is already problematic to issue plastic for 100,000 rubles. Impossible in fact.

Accordingly, in some cases it is necessary to submit a request for the manufacture of plastic several times. Customer reviews on loans of the Halva card emphasize that it is precisely because of the small limit of funds that some have to completely reject the offer. But if you try and prove a high level of income, then the installment plan will be issued for larger amounts.

Use of plastic

What other reviews of the Halva installment card are found? We have to some extent studied the conditions, pros and cons of this proposal. However, the information provided earlier is not complete.

Many holders of the installment card emphasize that problems with its use are not excluded. What exactly?

For example, customer reviews about the Halva installment card indicate the fact that it will not be possible to use plastic everywhere. Card payments can only be made in the partner stores of the offer. In other retail outlets, plastic will not work. That is, if a citizen does not use the services of certain stores too often, then he will have to forget about "Halva" very quickly.

The same problems are encountered when withdrawing funds from a card - not all ATMs allow an operation. This is normal. Accordingly, it is possible to withdraw money from an installment card, but for this you have to look carefully for a suitable ATM. Today it is possible to find information that recently (since October 2017) it is possible to withdraw funds from the card at any ATM. Such conditions are offered by the "Halva 2.0" tariff.

Otherwise, there are no complaints - the installment plan is indeed provided on the conditions listed above. You can use interest-free loans in Halva's partner stores.

Card replenishment

Reviews of the Halva installment card, the terms of its use and the features emphasized by customers do not end with the above nuances. Some people wonder how the plastic can be replenished. This is a rather important nuance.

In this area, cardholders have no particular complaints. The point is that plastic replenishment can be made at any ATM.

The operation is also available:

• at the "Russian Post";
• at Sovcombank;
• in special plastic service points;
• in some financial institutions;
• via Internet banking (and mobile as well);
• through transfers from card to card.

Perhaps that's all. Reviews of the Halva installment card often emphasize that it is not enough just to deposit funds for plastic. You will have to call the Sovcombank call center or go to Internet banking, and then note for which loan the funds were deposited.

Like debit plastic

Reviews about loans from clients of the Halva card emphasize different features. For example, the availability of not only lending, but also debit services for plastic. This is not the most popular option yet, but it is being used more and more actively. That is, "Halva" is used as a debit card. Very comfortably!

When repaying loans on "Halva", you can deposit more money than it should be. And then the client will monthly receive 7% per annum on the balance on the card. Over time, this limit will be increased to 8%.

Cash can be used to pay in any stores (but only if Halva is used as debit plastic). At the same time, if you contact partner retail outlets, the client will receive 1.5% cashback. This bonus is not valid in other stores.

Advantages

We have studied what reviews of the Halva installment card are left by modern customers. Now it's worth taking a closer look at the pros and cons of this proposal.

Based on numerous opinions, the following positive points can be highlighted:

• card availability;
• minimum requirements for the plastic holder;
• the actual absence of refusals to issue a card;
• a variety of ways to order and replenish Halva;
• availability of the "debit card" option;
• long service life;
• cashback;
• lack of interest rates on loans;
• flexible terms for granting loans;
• the ability to cash out funds on the card;
• lack of activation;
• fast terms of plastic registration (3-7 days).

But the proposal we studied also has drawbacks. However, like all other banking products. Everyone should remember about them.

About disadvantages

The following nuances are distinguished from the minuses of "Halva":

• the possibility of using plastic only in partner stores (their list is gradually increasing);
• low level of confidence in the proposal (it is relatively new for Russia);
• problems with setting the plastic limit;
• the possibility of refusing to issue a card (rarely, but this happens);
• the need for Russian citizenship - foreign citizens cannot use the Halva installment card;
• some of the terms of lending and the provision of cashback are incomprehensible to the bulk of customers;
• problems entering the "Personal Account" via Internet banking.

Also, some say that when paying for purchases with "Halva", there is an additional margin on the goods. And if you delay payments on loans, you will have to face very high interest rates.

In addition, if you believe some reviews about the Halva installment card (MTBank), then there are also problems with the terms of crediting. In particular, instead of the promised long period of providing a loan, a person is faced with a short-term loan. Let's say, instead of 6 months, 3 months are offered to repay the loan. Such information comes to the "Personal Account" of the cardholder.

In some stores "Halva" offers too short an installment plan. Many modern plastic holders also speak about this.

Halva partners

A few words about where exactly you can pay with the card under study. As already mentioned, it is not possible to use the Halva installments everywhere.

Today this option is available in the following outlets:

• "M Video".
• Nike.
• "Kari".
• "Kinomax".
• "Pyaterochka".
• "Lamoda".
• Lukoil.
• "The Snow Queen".
• "Ile de Beaute".
• "Chocolate Girl".
• "Yulmart".
• "Our gold".
• Lego.
• "Monroe".
• "Shatura".
• "re: Store".
• "Insiti".
• Collins.
• "MTS".
• Rostelecom.
• Kid Rocks.
• "Favorite home".
• "I'll be a mom."
• "Hippo".
• "Daughters-sons".
• "HEGEMOTIC".
• "The right toys".
• "Slipper".

A complete list of Halva's partners in a particular city can be found on the official website of the service. Here, in just a few minutes, it is allowed to leave an application for plastic registration. No cheating!