Installment credit card "Halva" from Sovcombank. What is a Halva installment card from Sovcombank

After viewing the advertisement of "Halva" from Sovcombank, many were eager to issue it. But here's the problem, but how to use it in order to really save. Especially for you, we will tell you how to find the right stores, make purchases and pay for them as simply as possible.

"Halva" and the basic rules for a successful installment plan

Halva is an installment card that allows you to make purchases from partner stores in installments from 1 to 12 months without paying any interest. At the same time, it should be noted that opening a card and further using it will not cost you anything. Actually, like all other services that you receive from the bank:

• SMS alert;
• Internet banking;
• account statement.

All that is required of you is just to make profitable purchases and pay the next payment on time, which the bank will also remind you about, in advance. And then you will not overpay a single ruble from your pocket. But all because the interest will be paid for you by the store.

In order for the card to serve you free of charge throughout the entire validity period, you need to follow simple rules for using it:

• make at least one purchase within six months (or the card will be automatically blocked, and re-opening it will cost you 450 rubles);
• pay the MOP (minimum mandatory payment) on time within the time period set by the system (in case of delay, a penalty of 0.1% per day will be charged on the amount of the payment).

That is, if you clearly fulfill the credit conditions, then you use the money for free.

Choosing partners

We decided on the card, now let's figure out what you can buy with the card.

An important condition of Sovcombank: purchases can only be made in partner stores (it simply will not work in other stores).

In order to find out where you can redeem the received credit limit, just visit the official website of the Halva card and go to the Partners tab. You will have a search bar available, which can be used in two ways:

1. Enter your locality, and view the entire list of partners and their addresses.
2. Register the desired store and see if it is in your city.

Of course, the network of partners is not too big yet, but the bank is actively working to expand and promote its product in all areas of the market. You can find among the partners: clothing stores, shoes, accessories, perfumes, jewelry, construction and furniture stores, pharmacies and beauty salons, travel agencies and restaurants, etc.

It is also very convenient to use the Halva mobile application. All available shops and services are always at your fingertips. You just need to use the search, and now you see the full list of available partners. What is especially convenient, you can immediately find out the installment terms of each of the partners.

We make purchases in installments with "Halva"

Having studied the useful information on the site, we go shopping. We decided that we needed to buy new summer shoes from Kari and a camera from M.Video. Their installment plan suits us quite well, as much as 4 months.

We go to the store, select the goods we need and go to the checkout. Immediately you need to inform the seller that we plan to pay with the Halva card.

Worth paying attention! At the discretion of the store, it may not be possible to purchase some products using halva, this may apply to products with a promotional price. But you may be offered to sell them in installments at the regular price.

When making payments by card, you can not worry about the safety of your money, because the card is equipped with the Pay Pass system, which guarantees the reliability of transactions and contactless payment. You don't even need to enter a pin code and sign checks anymore.

Immediately after payment, the money will be debited from your credit account and you will receive an SMS notification with the debit amount and account balance.

Having made both purchases, we return home and compare our expenses. For this we need web banking. You can use both mobile application and desktop computer. For reference! When issuing a card, a specialist will tell you how to use your personal account to control your expenses.

So, in your personal account, we will see two transactions, one - payment for shoes, the second - for the camera. Our costs look like this: 3790 (shoes) + 17990 (camera) = 21780 rubles. Since both stores gave us an installment plan for 4 months, the amount is divided into 4 parts, which is 5445 rubles per month.

You need to pay within 15 days from the date of issuing the MOP (this is done on the day the account is opened). Let's say you received a card on May 20 and made a purchase on June 2, so the program will bill you on June 20. You will then have 15 days to pay. Additionally, there is a grace period of 5 days, for which the bank does not charge a commission. If you don't meet the deadline, in our case July 5th + 5 days, then the bank will withhold a fee for each day overdue.

Crediting money to a credit account occurs from your own account, where you must deposit money in advance. If you keep your own money in an additional personal account, then the installment amount will be deducted from them.

Note! Even if the entire required amount is credited to your own account, the bank will withdraw its part in equal installments throughout the entire installment period. In order for the entire amount to be used, and the debt to be repaid ahead of schedule, you need to notify the bank 30 days in advance.

The bank has no requirements for the method of crediting, it can be either a one-time replenishment or crediting in several amounts. The main thing is that the full amount is in the account on the day of debiting.

How to pay?

The goods were bought, the amount of mandatory payments was calculated, it remains to be paid. You can pay in different ways:

• Using the services of the Russian Post, contact the branch, and using the bank details, make a transfer through the operator (the money must be paid 3 days before the end of the payment term);
• Make a payment using self-service machines and bank cash desk;
• Transfer from card to card.

Since most users of payment cards can easily cope with the system of transfers to a card, then this method can be considered the simplest. Plus, it's also free. To pay the required amount, you just need to use the best2pay application and transfer to Halva from your other card, for example, from a salary card. In this case, the bank will pay a commission for you.

Now, when filling out the card replenishment form, indicating the Halva number, the commission will be calculated automatically and will remain equal to "0". That is, you will be able to replenish your account by exactly 5445 rubles, and at the same time you will not even pay for the transfer of money.

Agree, this is just a unique opportunity to take an installment plan, and at the same time not pay a single ruble more than the price of the goods you bought. This is truly a fantastic offer. However, you should always remember that by going into arrears, you not only lose your money by paying extra amounts, but also spoil your credit history. Be vigilant and you can save a lot.

“Don’t pay interest to the bank,” reads an advertisement for a credit card from Sovcombank. How true is this, and under what conditions will there be no overpayment? First of all, you need to understand that the Halva credit card is a type of lending, which consists in providing the client with an installment plan for the purchase by bank transfer. It is impossible to withdraw money or transfer to other accounts, otherwise the interest on the loan will result in an expensive TV or a package of food.

In the usual sense, a credit card (CC) is a certain limit of bank funds that you can spend at your own discretion, but make the minimum payments on time, which includes the amount of commissions and interest for using the loan. A new product from Sovcombank is an installment plan for goods, but not in a specific store, but at different points of sale. It is allowed to simultaneously make various purchases within the established limit.

The Halva card has stood the test of time in Belarus, where MTBank has been producing such a lending product for consumers for a long time. In Russia, CC appeared only in 2017, and it is issued by the commercial bank Sovcombank.

The terms of use for CC are identical: you submit an online application for a loan product, the bank reviews it and gives a certain credit limit. Within the framework of the provided loan, you can buy goods in partner companies without overpayment on the loan, provided that the monthly payment is made on time.

It is interesting! The Halva card is far from the first credit card in Russia offering installment plans on favorable terms. In Qiwi Bank, you can order CC Conscience, having received it at the Svyaznoy branch.

Compare "Halva" and "Conscience"

To understand the difference between "Halva" and "Conscience", below is a summary table with the main characteristics:

Table No. 1 - comparison of "halva" and "conscience"

Characteristic \ card
Credit limit	up to 350 thousand rubles	from 5 thousand to 300 thousand rubles	installment period	up to 12 months	up to 12 months	Card expiration date *both credit cards can be reissued for free at the end of the validity period	10 years	5 years	Penalty for late payment	0.1% of the outstanding amount per day starting from the 6th day of delay	290 r.	Interest rate on the loan after the end of the grace period	10% per annum	10% per annum	Is it possible to withdraw money	No	No	Accrual of % for the storage of funds deposited in excess of the limit	7.75% per annum with monthly profit accrual	not provided	Cashback	1.5% on any purchases from partners	No		Recently, the conditions of the map have changed for the worse. Therefore, we cannot recommend it. At the moment, choosing the "conscience" card will be more successful -->

The conditions for the cards are approximately the same, and the number of partner stores where you can buy according to the QC data is also almost equal. Both cards are easy to apply online.

At the same time, there is income in the Halva card if you keep your own funds on it, and the interest for delay is debited daily. In the credit card "Conscience" there is no way to use it as a contribution, but when a debt appears, pay only a fine, which can be considered almost a freebie.

The advantage of Halva is the availability of cashback, but it only applies to your own funds deposited on the card.

Important! Detailed conditions for using a credit card for installment purchases can be found in the agreement with the bank. Therefore, before signing, be sure to look and clarify about commissions, penalties for late payment and about other nuances of replenishing and withdrawing funds.

How halva cashback works

To get the maximum benefit from using an installment card, let's look at what cashback is on the Halva card.

Table No. 2 - cashback on the "Halva" card

Parameter	Peculiarities
What is interest charged on	Only for the use of own funds, which were previously deposited on the card account.	What purchases are covered and the amount%	The bank will return 1.5% to the consumer in case of non-cash payment with a card for purchases and services	Maximum cashback amount	1500 r. per month	When is the accrual	after the end of the billing period (calendar month), the bank will charge interest for the use of its own funds, but not more than 1,500 rubles.	What can you spend money on	There are no restrictions on the use of cashback, except for cash withdrawals.

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In short, the cashback on the Halva card is the gratitude of the bank that you put your own money on it and now spend it through a credit card.

How to use the credit card correctly

A distinctive feature of installment cards is the absence of interest for the use of credit funds, subject to the conditions from the bank. Partners of the credit institution: grocery stores, communication salons, hairdressers and other entrepreneurs entered into a mutually beneficial agreement with the bank, paying for advertising.

How to calculate the minimum payment

In order not to pay% and not be surprised where the debt came from, see how to use the Halva credit card:

1. The bank approved a limit of 50 thousand rubles. March 1. From the moment of activation, you can use borrowed funds, paying for services and goods by bank transfer and in partner companies.
2. On March 3, we went to the MTS salon and decided to buy a smartphone for 15 thousand rubles. There are no questions about how to pay with a Halva card, since credit cards are identical in use with debit cards. From the moment of payment, the grace period and the first billing period began.
3. On March 10, in the Pyaterochka store, they bought food for 3,500 rubles.
4. On March 30, an SMS was received about the need to deposit 8500 rubles to the account before April 3. And then a lot of questions arose: why so many, here the interest was calculated, but I have a grace (grace period) for 12 months.
5. You paid the specified amount on time, decided not to use KK anymore. Then on April 30 you will receive an SMS indicating a payment in the amount of 5 thousand rubles, which must be paid before May 3. And it remains to pay 5 thousand rubles. until June. And that's all, you are in settlement with the bank, making gradually spent money without overpayment.

The main thing is not to spend all the money on the limit at once, otherwise the “minimum wage” will become unbearable. And you can always go to your personal account on the Halva website and see how much and when you spent, what the payment will be, and when you need to pay off the debt.

How to make the minimum payment

You can make payments in several ways, preferably 3 days before the date of the next payment. In most cases, credit organizations do not care why your payment did not arrive on time, they simply charge a fine and make you pay it, so it’s better to play it safe and do everything in advance.

Below are the payment options:

• at the bank office or through ATMs;
• use a postal order (the longest way, money is credited up to 7 business days);
• transfer from other bank accounts or branches of credit institutions;
• any online banking, indicating the details of the Halva card.

The fastest way to fund your account is through an ATM or online transfer.

Answers to frequently asked questions about payments

And now a little about the pressing questions asked in the above example of using the Halva credit card:

1. The bank's website indicates the installment time for each partner store. In Pyaterochka, grace is only 1 month, and in the MTS salon - half a year, so the total amount of the minimum payment for the first month in the example turned out to be large.
2. The client does not influence the division of the amount spent into equal payments, this is done by a special program or store managers. Purchase of 15 thousand rubles. is not considered large enough to provide installments for a period of more than 3 months, so it was divided into three equal payments.
3. You can independently calculate what the minimum payment will be. Just remember or write down where and what purchases were made on the card.
4. If you always use a credit card, then the amount from the new installment plan will be added to the minimum payment each time. That is, you pay 7 thousand per month for three things, but you also bought a TV set with an installment plan for 3 months. Accordingly, the payment will not be 7 thousand rubles, but 12 thousand rubles. And vice versa, having paid the entire amount for one product, the “minimum wage” will decrease.

Tip: Don't buy more than you can pay for. Of course, a credit limit of 300 thousand rubles. gives the right to immediately pay for repairs, but a payment of 30 thousand rubles. per month is unbearable for many.

How to make a "halva"

Applying for a Halva credit card is easy. Just click the green "apply" button below. After that, fill out the online form on the page of the Sovcombank website. From the documents you will need a passport of the Russian Federation and SNILS, if you want to get a large limit, bring a certificate of income.

Sovcombank has created a new loan product that allows you to buy various goods and services on credit. This is a Halva installment card. Reviews confirm the many advantages of its owners. The program allows you to simplify the possibility of obtaining installment payments for goods. The rules for its design and use will be discussed in the article.

About bank

Sovcombank is a large financial institution in Russia, ranked 19th in the country's rating in terms of assets. The organization raises funds from new customers and creates different products. Now customers are offered many different services: deposits, loans, card processing. There are favorable conditions for each program.

Sovcombank became the second in Russia to issue installment cards. Reliability is evidenced by participation. With it, you can safely store your money. Other benefits are also provided.

But is it possible to benefit from holding funds? Everyone chooses the appropriate option: one puts money on a deposit, others open a metal account, and still others play in the foreign exchange market. Sovcombank can also provide its funds for a while. Therefore, the Halva installment card was created.

The concept of the card

Visually, the Halva installment card from Sovcombank is an ordinary bank card with a chip, but it differs in characteristics. It has a credit limit, which is set individually for each client. Its size is determined on the basis of an analysis of the borrower's solvency. To apply, you need proof of income.

It is not possible to withdraw funds. The card account is replenished, because this is how the debt is paid. The card works in partner stores and only with an interest-free installment plan. Many are interested in what is the catch of the Halva installment card? In fact, Sovcombank cooperates with trusted companies from which customers can purchase goods. Partners pay commissions to the bank, which receives new customers. And users can purchase goods at optimal conditions. Such cooperation is beneficial to all.

Installment plan

You can buy goods and services only from partners of Sovcombank. The card has its own website where you can find information about such organizations, as well as installment terms for each. The limit can be spent only on operations performed at partners, you cannot pay in other stores.

The card is used in both regular and online stores. This is the standard payment for goods or services. No additional steps are required. It is enough to choose a product, pay for it. Each partner has its own installment terms - from 1 to 12 months. Usually a period of about 3 months is set.

After the purchase, information about the purchase made on credit appears. The payment schedule and the amount of the monthly payment are displayed. You can make many purchases, and each operation will be highlighted separately.

Design rules

The Halva installment card from Sovcombank is provided to all citizens who meet several requirements:

• age - 20-75 years;
• registration and residence in the city where the bank is located or at a distance of 70 km from it for 4 months;
• employment for more than 4 months;
• phone number - mobile or landline.

How to apply for a Halva installment card? To obtain it, you should contact Sovcombank with an application. But you can apply online.

Contact through the site

Reviews on the Halva installment card indicate that it is more convenient to apply online, as it is much faster. It should indicate personal information, region of residence and contact information. A bank employee will tell you about the terms of use. There is a check for compliance with the requirements, notification of the list of documents. But you still need to visit the office to fill out the questionnaire.

After completing the procedure, a Halva installment card will be issued. Reviews confirm the speed of registration. Usually, the credit history and income estimate of the client is checked. It is only necessary to indicate elementary information in comparison with other banks.

The decision to issue a card is made within 1 business day. The client receives an approval or rejection notification. Typically, the notification is received by SMS or by calling. After receiving the activation of the card is not required.

Documentation

Installment card "Halva" in Moscow and other cities is issued according to the passport. Sometimes you need to prove your ability to pay. Sovcombank requests the following documents:

• driver's license, pension certificate, SNILS;
• certificate 2-NDFL;
• property papers.

Conditions

There are pros and cons to the Halva installment card. They should be taken into account before applying for a bank program. The installment terms of the Halva card are as follows:

1. MasterCard World with PayPass technology.
2. National currency.
3. Limit up to 350 thousand rubles.
4. The card is valid for 5 years.
5. Cash Bask - 1.5%.

The rate is 0%, and after the end it is 10%. Installment terms on the Halva card are standard for everyone - up to 12 months. In case of delay, a penalty of 0.1% per day applies. Early payment is carried out without commissions.

Of the minuses, a limited number of partners are distinguished. To receive a card, you must meet the requirements of the bank. The bank can independently set a credit limit.

The amount of the limit is approved at the request of the client indicated in the application, as well as on the basis of an assessment of its characteristics. The loan is revolving. After payment by installments, the user can receive a similar amount. Although there are pros and cons for the Halva installment card, it still has more advantages.

Refusal

You can refuse the Halva card. To do this, you need to contact the bank office with an application. Then you need to give the card to the employee who destroys it. After 45 days, the account is closed.

Partners

When purchasing from partners in installments, the cost of products is divided by the number of months specified for the return of the debt. This figure is the minimum payment. If there are delays and penalties, they are included in

Partners include:

1. "M Video".
2. Samsung.
3. Lamoda.
4. "Iceberg".
5. Re: Store.
6. Sony Centre.
7. Sela.

Extract

According to the reviews of the Halva installment card, it is clear that its holders every month which allows you to control the repayment of the debt. It should contain:

• general information - card number, validity date, limit, debt, delay;
• information about the minimum - the amount, the final date of repayment;
• decoding - the names of outlets, the amount of debt paid and the remaining months of installments, the entire debt.

The statement allows you to track payments, pay the required amounts on time. If there are any questions, it is possible to request transactions. Such operations cost 300 rubles, and the investigation and consideration of claims - 1000.

Commissions

The following rates apply for the card:

• no issuance fee;
• free service;
• early reissue - 450 rubles;
• checking the balance at an ATM of Sovcombank is free of charge, and in others - 10 rubles;
• replenishment through ATMs - no commission, through the cash desk - 100 rubles;
• You can withdraw cash within your personal funds;
• transfer to other cards at the cash desk or online - no commission, and to another organization - 2.9%;
• free SMS-informing.

You can control debt and manage your account using your personal account and mobile application. These services are free. The login is indicated in the contract, and the password is issued via SMS after the card is presented.

Repayment of a debt

According to reviews of the Halva installment card, it is clear that many people use this credit product. You can deposit funds in several ways:

• via Internet banking;
• from another card;
• through financial institutions;
• through the Russian Post.

Only the first option is free. If you use the services of intermediaries or resources that do not belong to Sovcombank, you will have to pay a commission.

The Halva card is needed to pay for purchases in installments, which do not accrue interest. For this, individual conditions are approved: a loan and a grace period. The list of bank partners is growing. Now there are more than 1000 service establishments, restaurants, shops where such cards are accepted for payment. To avoid overpayments, you need to study the conditions and offers of partners, compare prices, and also deposit money in a timely manner.

Cash withdrawal

Only personal funds can be withdrawn from the card. This is done without commission in special devices. To receive cash, you need to go through the following steps:

• insert the card into the receiver;
• enter a pin code;
• click on the "Cash withdrawal" section;
• enter the amount;
• take card, money and check.

Other loans

Sovcombank offers not only installment cards, but also loans:

1. Cash loan - from 12%. Clients need to have proof of income. Pensioners only need to provide a passport and a pension certificate. The amount can reach 100 thousand rubles. It is issued for 12 months.
2. A loan secured by a car - from 17%. Loans are issued for various purposes. Their amount is 50 thousand - 1 million rubles. The term can be 12-60 months.
3. Credit "For responsible plus" - from 19.9%. It is issued to married couples and bank customers who have provided a certificate of income, a copy of a work book or a diploma of education. The amount can be in the range of 40-200 thousand rubles. The term is 12-36 months.
4. "Pension plus" - from 19.9%. It is offered to working and non-working pensioners up to 85 years old. You do not need to provide certificates and collateral. The amount is 40-299 thousand rubles.
5. "Standard plus" - 24%. Loans are issued for various purposes. Income verification is not required. The amount is 40-300 thousand rubles.

Similar Options

Similar conditions are provided by the installment card "Conscience" from QIWI-Bank. Both products have similarities - the use of interest-free funds to pay in partner stores. But there are also differences:

• different rates;
• differences in the number and variety of partners.

The Halva card can be used to pay bills. This banking product will help out at any time when you need to buy something urgently, because you can pay later.

Halva Map represents installment card, which gives its owner the right to purchase goods in partner stores on an interest-free installment plan for up to 12 months. Other major benefits of the card are:

• the possibility of issuing a card
• the possibility of a card during a personal visit to the bank office;
• completely free release and maintenance.

In fact, all expenses for both the manufacture and use of Halva and the maintenance of the installment plan are borne by Sovcombank and its partners. As a bonus, the cardholder is provided with:

• notification service via SMS;
• Internet banking services;
• issuance of account statements.

How to use the Halva card

Before how to buy with Halva card any goods in installments, it is recommended to carefully study the basic rules for using the card, posted on the official website of Sovcombank or a specially created website of the Halva card. There you can also find shops that are a banking organization. Then the client needs to select the desired product and at the checkout inform the seller about the payment for the Halva card.

Attention! Often, goods participating in various discount promotions cannot be bought with the Halva card by the decision of the store. However, the customer is given the opportunity to make a purchase at the regular price of the product or service.

In a matter of seconds after the calculation, the funds are debited from the client's credit account, about which he receives an SMS notification. The message indicates the amount spent and the balance on the card.

In fact, the cardholder only needs:

• make purchases in installments in stores that are partners of the bank;
• timely deposit money on the card to write off the next payment, which the client will be reminded in advance by a bank specialist or one of the many online services.

For the successful and, most importantly, effective use of the Halva card, it is required to follow the easy rules established by the bank:

• At least one purchase within six months. Otherwise, the card is automatically blocked, and its re-opening will cost the client 450 rubles;
• Timely transfer of the minimum mandatory payment. If the deadlines are not met, a fine is charged, the amount of which is 0.1% per day of delay.

Features of the personal account of the Halva card

The personal account of the Halva card allows you to:

• view purchases made;
• find out the account balance;
• view the schedule and amounts of mandatory payments.

Check card balance

You can check the balance of the Halva card both in and in the mobile application. The personal account of the Halva card is created directly on the card website, and the rules for using it can be clarified either with a Sovcombank specialist upon receipt of Halva, or on the official website of the credit institution. You can download the Halva card mobile application for free from the Google and Apple app store:

Repayment of debt on an installment card

The client is given 15 days to pay the required amount, which is billed monthly after 30 days from the date of issue of the card. In addition, to further improve the conditions for using Halva, the bank does not charge commission for 5 days beyond the specified period.

The receipt of funds to the credit account occurs either from the card account, which should be replenished in advance, or from the client's personal account, issued at Sovcombank.

Attention! Even if the entire amount of the purchase is on the card account, the bank will only deduct the minimum mandatory payment. If the client wishes to repay the debt ahead of schedule in full, it is necessary to notify the credit institution 30 days in advance.

In fact, the only requirement of the bank to the client is that on the day of debiting a sufficient amount of funds on the card or on the personal account of its owner.

How to replenish the card balance

Sovcombank provides customers with the opportunity to independently determine the most convenient option for them to replenish the balance of the Halva installment card:

• with the help of the Russian Post;
• using terminals or directly at the bank's cash desk;
• transfer from any bank card.

The last way to replenish the balance of the Halva card is deservedly considered the simplest and is used today more and more often every year. Naturally, it is most profitable to use Sovcombank cards and its online services, which will allow you to carry out transactions in a short time and without commission.

Today it will be difficult to find a person who has never heard or seen sensational advertising, novelties from Sovcombank, Halva installment cards. Having accidentally overheard a conversation on the bus between two women who were actively discussing the unique conditions of the card, we decided to find out firsthand and ask a bank employee about what a “sweet” card is.

"Sweet" offer from Sovcombank

So, let's talk about a completely new product for the domestic market of banking products - the Halva installment card, which was recently released by Sovcombank and which in just 2 months has become almost the most popular credit card among Russians.

Hello Anna, we are glad that you responded to our request and agreed to tell us about your new product. What kind of card is this?

Good afternoon. Yes, indeed, the Halva card appeared on the Russian market only 2.5 months ago. But it's so nice to realize that our product is already recognized and customers want to receive it.

On the main website of the bank, anyone can find a complete description of the card and its unique conditions. In general, this is a completely new product, positioned as an installment card. With "Halva" you can shop in installments without having your own money in your pocket. Installments are given from 1 to 12 months, helping customers reduce the financial burden on their budget by dividing the purchase price over several months.

This is undoubtedly very convenient, especially when it comes to large purchases. Let's say the family decided to buy a new refrigerator, its cost is 75 thousand rubles. Agree, this is a large amount, and not everyone can afford to go and buy it for cash. This is where Halva comes to the rescue. The client pays with it in the store, picks up the goods, and will pay later.

What does afterward mean? And what, there is not even a down payment?

That's right, the total amount of the purchase is divided into the number of months for which the store allows you to give installments, for example, 6 months. That is, when purchasing a refrigerator in Halva installments, you will pay 12,500 rubles for six months, and there are no more commissions and overpayments, such as with a loan.

I wonder who will pay interest to the bank for us? The bank does not just distribute its money to everyone who wants it?

It's true, the bank receives its commission from the store. We conclude a partnership agreement, thereby giving customers the opportunity to take an installment plan for goods from this store. The store, in turn, receives new customers, and pays a percentage to the bank instead of you.

It turns out that everyone is interested in the new product?

Of course, people buy on favorable terms, stores increase turnover, and the bank receives its earned interest.

Can the card be used at any store?

No, that's the whole principle of the card, it is only for use in partner stores and salons. I also want to note that the store reserves the right not to accept the card for payment if you want to buy a product that is currently on sale for a promotion. Or they will offer you to pay its full cost, set on a normal day.

It's good that they warned, otherwise many hope to receive not only an installment plan, but also a good discount.

Benefits of using the card

We figured out the purchases, but I would like to know in detail about the conditions of the card.

The card is really very beneficial for the simple consumer, offering him great opportunities.

Firstly, you do not need to pay for opening an account and subsequent maintenance. Agree, this is a lot, provided that it opens for 5 years. However, a prerequisite: use the card at least once every six months, or it will be blocked.

Secondly, installment plan, it is given from 1 to 12 months without additional fees. For example, you wanted to fly on vacation right now, but there is no free money, but you have Halva. You go to a travel agency, which is one of the partners, choose an interesting tour, pay for it with a card, and then only pay its cost to the bank in equal installments.

Thirdly, the bank is actively working on a program to attract partners. Full information about all companies that cooperate with us on Halva is available on the official website. You just need to indicate your place of residence, and the system will show you all the available shops and salons that will serve you with our map.

Another important advantage: Halva can be used as a debit card. That is, you can freely replenish it with your own money over the limit, and then withdraw it at any of our ATMs without interest. You can also make purchases in partner stores and receive Cash Back for this in the amount of 1.5% percent, but not more than 1,500 rubles in one reporting period.

How much can I expect by opening this card?

The Bank has set a maximum limit of up to 350 thousand rubles.

And how realistic is it to get such an amount on your card?

Everything will depend on your income and expenses. The consultant will clarify what income you receive, what you spend it on, and by entering it into the computer, will analyze your solvency. If your income is very small, or does not cover expenses, then the bank will be forced to refuse to issue you a card at all.

That is, the bank does not issue cards to everyone, do you still need to meet certain criteria?

Of course, in the case, as with a loan, the bank is forced to check your credit history, load, income, in order to be sure that you will return the money spent.

What happens if the money is not returned?

To understand in detail, the client must read the terms of the contract. In a nutshell, late payments will incur penalties of 0.1% per calendar day. If the client refuses to return the money, then the bank reserves the right to sell his debt to third parties.

Does that mean you have to pay anyway?

Of course, it cannot be otherwise.

How to get a card?

We've received such positive feedback from you about the map that we can't wait to get it and try it out for ourselves. What is needed in order to issue Halva?

The easiest option is to contact any convenient branch of Sovcombank. You must have a passport of a citizen of the Russian Federation with you. The main selection criteria: people of working age from 20 to 75 years old who have official employment and work experience in the last place for at least 4 months. Also, a prerequisite is the presence of a landline phone, at home or at work, so that the bank can contact you.

Do you need anything other than a passport?

In most cases, only it is enough, however, at the discretion of the employee, additional documents may be requested: a work book, a certificate of income, and so on.

How quickly is a decision to issue a card or refusal made?

Quite quickly, the procedure takes no more than half an hour. I want to note that even if you were rejected for the first time, you always have the opportunity to re-apply. You can do this after 90 days.

This is pretty good, a lot can change in 3 months. Thank you, Anna, for such a detailed answer to our questions. The conclusion suggests itself: the Halva installment card is a promising direction in the banking sector. We all understand that it is very difficult to accumulate a wide base of partners, but in the future, it seems to me that this card will be very popular.

This is where I ended the interview with the representative of the bank, after which I was left in an extremely positive state. Being a person who has never taken a loan in my life, for some reason I suddenly wanted to get this card.