What to do if there are no terminals, communication shops or other tools for paying for mobile services nearby? In this situation, you can use a loan from MTS. The mobile operator offers a choice of several ways to obtain a credit limit, which will be discussed in this review.
Description of service
Thanks to the loan service, MTS subscribers can use cellular communications even with a negative account balance. The operator offers its clients several options for obtaining a loan.
Promised payment
This is one of the easiest ways to top up your mobile phone account on credit from MTS. You can enable this option in several ways:
- Send a system request *111*123# and press the call key;
- Activate the service through the “Internet Assistant” in the “Payment” section;
- Follow the voice instructions when calling 1113;
- Taking your passport with you, contact the specialists at the communication salon.
The amount a subscriber can count on depends on the activity of using cellular communications. The service period is only 1 week.
"Credit" service
“Credit” allows you to borrow an amount of 300 rubles from the operator. You can activate the service in 3 ways:
- Send an SMS message with the text 1 ; (without quotes) to number 2828;
- Call 0890 and take advantage of the operator's advice;
- Dial the combination *111*30# and press the call key.
“In full confidence” service
The “On Full Trust” service differs from the above loans in that the subscriber can use the credit funds for a whole month. To activate it, you need to send a system request *111*32#. The first credit limit is 300 rubles, but if the subscriber complies with certain conditions, it will gradually increase.
Consumer loan
When can you take out a loan?
Each of the above services has its own conditions for obtaining a loan:
When applying for a consumer loan, the minimum loan amount will be 20 thousand rubles, the maximum - 3 million rubles. The repayment period is determined by the person’s solvency and can reach 5 years. The company also provides conditions for early repayment of the loan.
How to increase your credit limit?
You can increase your credit limit if you activate the “In Full Trust” service. Immediately after connecting it, the credit limit is only 300 rubles. It can be increased if several conditions are met:
- Timely loan repayment;
- Frequent use of mobile communications;
- The difference between the previous and current loan is more than 50 rubles.
The size of the final limit is largely determined by the amount of expenses for mobile communication services. The more a subscriber spends on calls, Internet and SMS messages, the larger the credit limit provided by the operator will be. It may also decrease if the loan is not repaid on time. In order not to miss the moment of overspending the allocated limit, you need to periodically check your credit account using the ussd request *100#.
The usual system of advance payments for the MTS operator is quite simple - first we pay, then we talk. But not everyone will find this payment scheme convenient, because you have to constantly ensure that the account balance is positive.
The option of the mobile operator MTS, called “On Full Trust,” precisely provides for payment for calls after the fact. Let's consider in detail how to activate the service, what opportunities it provides and how to disable the credit of trust on MTS.
How to connect?
When connecting to the service, the subscriber is usually allocated a credit limit of 300 rubles. The limit is subject to revision monthly and the revision algorithm is simple - the more money we spend on communication services, the higher the limit becomes.
The operator automatically analyzes the subscriber's expenses for the last three months, displays the arithmetic average and adds 20% to it. The amount received becomes the limit for the next month.
A new credit limit is assigned if the resulting figure is 50 rubles or more higher than the previous one. And after six months, the credit limit will increase by 50% based on average monthly expenses.
The main thing is not to forget to regularly top up your balance after issuing, in this case the number will be blocked. The number will also be blocked if the established credit limit is exceeded.
Let's look at how to activate the “In Full Trust” service from MTS. Subscribers who meet several parameters can receive the service. This:
- Subscribers who connected MTS mobile communications at least three months ago
- Those whose total top-up amount over the last three months was at least 200 rubles
- Subscribers who have fully repaid all debts on all their accounts
- Those subscribers who have a positive balance at the time of connection to the service
When all these conditions are met, then feel free to activate the “In Full Trust” service and you will receive a credit limit from MTS of 300 rubles. The connection can be made using the USSD command *111*32#. You can again, if you wish, use the Internet assistant.
How is the credit limit calculated?
We can independently influence the final figures in order to fix the limit assigned to us and by prohibiting or enabling its recalculation, although the limit itself is calculated automatically by the operator. This is due to the fact that eventually the credit limit may become quite large, which is why many subscribers will want to forcibly limit it, thereby preventing too high communication costs. You can manage the limit both through the “Internet Assistant” and using the SMS menu *111*2136#, called by the USSD command.
Payment
Now let's talk more about paying bills. Payment must be made on the 24th of each month for the previous period. For example, September calls must be paid before October 24th. One week and one day before, a warning SMS will be sent to your number indicating the amount of debt for the service.
You can find out the amount yourself by dialing the USSD command *132#. In response, you will receive a message that will contain both the amount of debt and the current limit from MTS. The service can also be managed using the Internet Assistant.
How to disable?
If, after trying the mobile service, you decide to disable the limit completely and not use this service anymore, then the short USSD command *111*32# will help you.
The MTS “In Full Trust” service has existed on the mobile market for several years now, and such an offer from the operator, how to take out a loan from MTS for mobile calls, is deservedly popular among many subscribers of this network. Since MTS introduced this service for the convenience of users, try it too - take credit from MTS.
A large number of subscribers of the MTS Belarus operator ask the same question: how to disable the Credit Trust service on MTS? It can be turned off in three clicks, just like the On Full Trust service. This service provides a loan after your balance expires and it begins to go into the negative. The trouble is that it is commonplace that you may not notice the expired balance in time, and various kinds of SMS subscriptions and additional services can well drive your account into the minus. Therefore, disabling this service will allow you to spend only the money that you put on your balance, and not a penny more.
- A simple combination of numbers and symbols, viz. *111*32# . Dial on your phone and press the call button. But be careful - this combination will connect you to the service if you don’t have it. It works both to activate this service and to refuse its use;
- You can try using your personal account on the MTS operator website. You need a section called “Connect/disable services”. If you have never used your personal account and you do not have access to it, then feel free to connect the “Internet Assistant”. This is a very useful function, because through your personal account you can view statistics of all incoming and outgoing calls, debiting and replenishing funds, and simply manage services directly without leaving your home. Extremely convenient and functional.
- Take your passport and head to the conveniently located customer support department. MTS employees will definitely help you and give advice on issues that concern you.
Service cost
“MTS Trust Credit” is a free service and provides you with a credit in the amount of 300 rubles after your phone account balance has expired. If you use communications from MTS for more than six months and spend 500 rubles or more per month, then your loan will reach 750 rubles.
Always pay attention to paid subscriptions! In short, these are the services when you send an SMS message to a short number to receive a daily horoscope, for example, or download a particular melody or image. The cost of such services varies and you may be unpleasantly surprised by a one-time charge of 300 rubles. Or maybe 20 - 30 rubles leave your balance every day. With the MTS Trust Credit service active, you can easily go into a negative amount in your account and not even notice it. Of course, spending extra money is unpleasant, so always carefully understand what services you have connected to, how much they cost and whether they are necessary. If you accidentally paid for a paid service, then immediately call customer support and explain the trouble that occurred and ask for a refund.
Pros of the service
Undoubtedly, the advantage is that you can call at any convenient time, when you need it urgently, but there is no money in your account. No interest is charged and you will pay exactly the amount that went into the minus. But many people prefer to control their communication expenses themselves, so disabling or connecting the Credit Trust service on MTS is a purely voluntary matter.
In order not to be left at an unexpected moment without the ability to make a call, clients resort to services from communication companies offering borrowed funds. Let's consider how to take credit for MTS and the features of the service.
Features of the service "In full confidence"
MTS's credit of trust service is called Full Trust. The principle of interaction is the ability to obtain a credit limit of 300 rubles. When leaving below the zero mark, these funds will be spent.
Loan size
In this case, the limits of the limit change over time according to the following principles:
- In the first 6 months, a recalculation takes place taking into account the cost of paying for the telephone. The loan limit increases to the amount of average expenses plus 20%.
- After six months - the same, but with an increase of 50%.
- If the cost decreases, the original limit of 300 rubles is returned.
If there is no need to change the credit limit, you can fix a convenient option.
Restrictions
At MTS, a Full Trust loan is available to users of almost all tariffs. The exceptions are Guest, Your Country, Cool, Connect and iPad. You also need to meet some conditions:
- Using MTS communications for more than 3 months;
- Availability of balance (no going into minus);
- Payment for previous months exceeded 300 rubles;
- No debts on MTS products and accounts.
As you can see, MTS offers credit of trust only to conscious clients.
If you do not control the balance and allow a negative value, you will no longer be able to connect the service. This must be done in advance.
Automatic connection
Some packages already include automatic connection of a trust loan. This point should be clarified in advance when purchasing, so that later you don’t have to worry about how to disable the credit of trust on MTS if it is not needed.
Essentially, the service makes it possible to bear communication costs once a month. Having some reserve in the form of a loan, the client does not limit communication and can go beyond the usual limits. If more than ¾ of the limit is used, the user receives a warning message. In other cases, once a month he receives an invoice that must be repaid by the 24th. The service does not provide any additional commission. The main thing is to comply with payment deadlines.
Based on similar criteria, MTS offers a credit of trust in Belarus, only the teams and numbers differ.
How to connect
Today there are several possibilities on how to connect a credit of trust to MTS:
- Request using ussd commands: *111*32# .
- Personal account. You need to register on the MTS website. You need to specify your phone number as your login. You will receive an SMS with a password. After visiting your account, in the Service Management section, you need to find On full trust.
- Call 0890. Here you can follow the autoinformer’s prompts and, by pressing the necessary keys, perform the activation yourself or wait for a connection with the operator and ask him to perform the action.
- Visit the salon. When contacting employees with a request, wait a few minutes to connect. You must have a passport.
How to disable
Based on this list, it is clear that the options for how to disable the credit of trust service on MTS will be similar. In this case, the ussd request is identical. If the function is already active, it deactivates it.
If you want to find out at any time how much loan funds have been spent so far, you need to dial *132#. The screen will display the balance taking into account credit amounts and debts.
Credit calculation method- this is a convenient form of payment for MTS services, in which you can pay for services only once a month - in the amount in which you used them in the previous month.
When and how much to pay?
Every month after the 5th, when you request a balance *100#, you will be able to see the invoice amount for the services provided for the previous month, which you need to pay in full no later than the 25th of the current month.
How to connect?
Who can use it?
An application for a credit payment method sent using a USSD request is considered in the following cases:
- your number is not registered to the organization;
- any of your subscriber numbers has been serviced by the company for more than 180 days;
- the subscriber number for which you are submitting an application has been serviced by the company for more than three full calendar months;
- you are not served on the “Absolute”, “Persona”, “Guest”, “Guest 7”, “Guest 30” tariff plans, as well as on tariff plans for corporate clients;
- the subscriber number is issued for a passport of a citizen of the Republic of Belarus or a residence permit in the Republic of Belarus with a mark of registration at the place of residence in the Republic of Belarus in the specified documents;
- “Home Connect” services are not provided on your personal account;
- you have no overdue installment debt for equipment;
- you have no debts on payment for communication services, with the exception of current debt when using the credit method of payment;
MTS has the right to refuse to provide a credit payment method without explaining the reasons for the refusal.
How to disable?
If you decide to disable the credit payment method (return to the advance payment method), you need to top up your account to a positive balance and send a USSD request *150*0#.
Filling out an application for the provision of a credit payment method means agreement with the “Regulations on the procedure for providing a credit payment method for communication services with subscribers of Mobile TeleSystems JLLC.”
1. General provisions.
1.1. This Regulation defines the conditions and procedure for providing subscribers of JLLC Mobile TeleSystems (hereinafter - MTS) - individuals (hereinafter - Subscribers) with a credit method of payment for MTS services.
1.2. The credit payment method is a form of payment for Subscribers under the Agreement for the provision of services (hereinafter referred to as the Agreement) and is a method of subsequent payment for MTS services made by the Subscriber at the end of the reporting period for their provision (calendar month).
1.3. Different payment methods (advance and credit) cannot be provided simultaneously for one personal account.
1.4. MTS has the right to unilaterally change these Regulations by publishing relevant information about the changes on the official website www.site.
1.5. These Regulations contain special conditions for the provision of a credit payment method, which have priority in case of discrepancies with the Procedure for the provision of communication services of Mobile TeleSystems JLLC. In all other cases not regulated by these Regulations, the Subscriber and MTS are guided by the provisions of the Agreement concluded between the Subscriber and MTS and the Procedure for the provision of communication services by Mobile TeleSystems JLLC.
2. Conditions for providing the credit payment method.
2.1. The credit payment method in accordance with these Regulations is provided to MTS subscribers - individuals who are residents of the Republic of Belarus, if there is information regarding this subscriber in the MTS ASR about a valid passport of a citizen of the Republic of Belarus or a residence permit in the Republic of Belarus and a permanent registration address in the territory of the Republic Belarus.
2.2. The credit payment method provided for by these Regulations is not provided:
2.2.1. in relation to subscriber numbers served on the tariff plans “Absolute”, “Persona”, “Guest”, “MTS SMART Guest”, “Corporation”, “Corporate 1”, “Corporate 2”, “MTS Connect”, “Business”, "SMART OFFICE";
2.2.2. in relation to personal accounts for which MTS provides services for fixed broadband Internet access;
2.2.3. Subscribers whose subscriber numbers have not been serviced by MTS for more than 180 calendar days;
2.2.4. in relation to subscriber numbers that have been serviced by the company for less than three full calendar months;
2.2.5. in case of debt for MTS services, with the exception of current debt that is formed when using the credit method of payment;
2.2.6. in case of overdue debt for equipment sold on an installment plan;
2.2.7. in other cases provided by MTS.
2.4. MTS has the right not to provide Subscribers with information about the full list of criteria on the basis of which a decision is made to provide (or not provide) a credit payment method, and the content of these criteria, and also has the right to refuse to provide a credit payment method for Subscribers with an advance payment method without explaining the reasons for the refusal .
3. Credit limit.
3.1. MTS has the right to establish a credit limit (credit limit) for Subscribers using the credit payment method.
3.2. Credit limit is the maximum permissible amount of negative balance on the Subscriber’s personal account, upon reaching which MTS has the right (but is not obligated) to limit or suspend the provision of services.
3.3. The methodology for calculating the credit limit is determined by MTS independently depending on the list, volume and cost of services used by the Subscriber and is not subject to communication to the Subscriber.
3.4. The credit limit is recalculated automatically once every 3 full calendar months from the date of initial provision of the credit payment method in accordance with these Regulations. The new credit limit amount is available from the 5th day of the calendar month following the period for recalculating the credit limit.
4. Payment terms.
The subscriber undertakes to repay in full the debt for services rendered during the previous calendar month no later than the 25th day of the calendar month following the reporting month.
5. The procedure for suspending and resuming the provision of services to the Subscriber when providing a credit payment method is determined The procedure for the provision of communication services to Mobile TeleSystems JLLC.
6. Provision and cancellation of the credit payment method.
6.1. Providing and canceling the credit payment method for services (changing the credit payment method to an advance payment method) is possible only if the personal account balance is positive.
6.2. Providing and canceling the credit method of payment for services (changing the credit payment method to an advance payment method) is carried out after processing the technological settings necessary for its provision/cancellation by the MTS hardware and software complex.
6.3. The Subscriber can check the possibility of providing a credit payment method (without filling out an application for its provision) in one of the following ways:
6.3.1. by sending a non-chargeable USSD request *150*1#;
6.3.2. by contacting the MTS Subscriber Service Center, MTS Contact Center.
6.4.1. by sending a non-chargeable USSD request *150#;
6.4.2. by contacting the MTS Subscriber Service Center, Trading facility of MTS commercial representatives;
6.4.3. by contacting the MTS Contact Center.
6.5. The time interval between filling out an application for a credit payment method using the method specified in clause 6.4.1 of these Regulations and receiving a response to this application can be up to 24 hours.
6.6. You can cancel the credit payment method (change the credit payment method to an advance payment method) in one of the following ways:
6.6.1. by sending a non-chargeable USSD request *150*0#;
6.6.2. by contacting the MTS Subscriber Service Center, Trading facility of MTS commercial representatives;
6.6.3. by contacting the MTS Contact Center.
6.7. Performing any of the actions specified in clause 6.4 of these Regulations aimed at changing the advance payment method to a credit one means the Subscriber’s consent to the provision of a credit method of payment for services, and also confirms the Subscriber’s familiarization and expresses his agreement with the terms of this Regulation.
7. Termination of the provision of the credit payment method.
7.1. MTS has the right to terminate the provision of services based on the credit payment method in accordance with these Regulations (change the credit payment method provided under the terms of these Regulations to an advance payment method), in the following cases:
7.1.1. failure by the Subscriber to repay the debt for communication services or for subscriber equipment purchased by the Subscriber with the condition of payment in installments, within 30 or more calendar days from the date of expiration of the established payment period;
7.1.2. if the average monthly charges on the current personal account for telecommunication services over the last 6 full calendar months amounted to less than 10,000 rubles (including taxes);
7.1.3. changing the tariff plan to the tariff plan specified in clause 2.2.1 of these Regulations in relation to the subscriber number for which the tariff plan was changed;
7.1.4. in case of change of owner of the subscriber number. Changing the owner of a subscriber number for Subscribers with the provided credit payment method is possible only if the personal account balance is positive;
7.1.5. in other cases, without explaining the reasons for termination of the provision of the credit payment method.
7.2. The re-provision of the credit payment method to a Subscriber for whom the provision of the specified form of payment was terminated in accordance with clause 7.1 of these Regulations is carried out in accordance with the general procedure, subject to compliance with the criteria provided for by these Regulations.
8. Reflection in the balance sheet and information.
8.1. The subscriber can find out about the balance of the current personal account, the amount of payment for the previous month and the payment deadline using the USSD balance request *100#.
8.2. The subscriber is informed via SMS about the need to top up the balance to prevent blocking when the debt amount reaches 70% of the established credit limit.
8.3. Every month, before the 25th day of the calendar month following the reporting month, the Subscriber is informed via SMS messages about the need to top up the balance to prevent blocking. Dates for sending SMS messages: the 10th of each month; 20th of every month.
8.4. Failure to receive SMS messages specified in clauses 8.2 and 8.3 of these Regulations is not a basis for refusal by the Subscriber to pay for services or a basis for obtaining a deferment or installment plan for payment.
8.5. The SMS information specified in clauses 8.2 and 8.3 may not be received by the Subscriber if his ability to receive SMS messages is limited, as well as in the event of a forced blocking.
8.6. The Subscriber is notified of the termination of the credit payment method (change of the credit payment method to an advance payment method), in the cases specified in clauses 7.1.1, clause 7.1.2, clause 7.1.5 of these Regulations, via SMS message no later than 5 calendar days before the termination of the provision of the credit payment method.
8.7. The Subscriber can obtain information about the current amount of the credit limit in one of the following ways:
Using the Internet assistant;
Using the “My MTS” mobile application.
8.8. The Subscriber can receive advice on the procedure for providing a credit payment method by contacting the MTS Subscriber Service Center or the MTS Contact Center.
9. Other.
A subscriber who has been provided with a credit payment method in accordance with these Regulations can pay for services through the MTS Money and iPay systems only if the personal account balance is positive.
