How much can you borrow, what determines the size of the loan?
A trust payment can be activated if the subscriber’s personal account has a debt of no more than 300 rubles. The amount of the promised payment is chosen by the client himself. It is limited to 1000 rubles. However, not all subscribers are given the maximum amount of the promised payment.
The approved limit can be verified experimentally. It is calculated automatically and predicted by MTS services based on the subscriber’s solvency, as well as his tariff plan.
The operator himself provides the following information on the amount of the promised payment: customers who spend about 300-500 rubles/month on communications more often receive a promised payment of up to 400 rubles. Subscribers with tariff plans of more than 500 rubles/month can count on large amounts of trust payments.
After approval of the service, the client must deposit the borrowed money into the account no later than three days from the moment of activation . Otherwise, his number will be blocked.
Participants in the Premium Service program have access to the promised payment service in the amount of up to 1,500 rubles. The only difference is the amount of debt you can take on with the premium service. The remaining conditions for connecting and using the service are identical.
Conditions of the promised payment on MTS
The amount available for the promised payment is calculated based on a simple scheme. If you spend less than 50 rubles on communications, then the loan will not exceed this amount. For expenses up to 300 rubles, the maximum loan amount will be 200 rubles. When spending from 501 rubles, there is every chance of getting a loan of up to 1000 rubles. Moreover, in the latter case, the rates based on the refund amount are the most profitable.
You can check your communication expenses in the “Cost Control” section of your personal account. First you need to log in and open the “Invoice and Payment” tab:
- By visiting your personal account on the website.
- By opening the “My MTS” mobile application.
You can activate the option from MTS if certain conditions are met. If any of them are not met, the service will be denied:
- This option cannot be activated on several tariffs, including Guest, Basic, Your Country.
- You must be a subscriber of the company for more than 2 months.
- There should be no debts to pay for MTS communications.
- Disabled, as well as the “Credit” option.
- There is no outstanding Promised Payment.
- You have a prepaid payment system.
How to borrow money through a website and SMS?
The operator offers its subscribers several ways to connect to this service in order to deposit money into their account; it can be activated both through a smartphone and via a PC.
How to order and receive a loan through the My Payment application?
The first way to get a trusted loan is to install a free application from the operator called “My MTS”.
It is available in the AppStore and Google Play marketplaces. After installing the application you need:
- Go to the “Services” section.
- Select the item “Promised payment”.
- Next, you need to enter the amount of the promised payment, then click the connect button.
If the system approves the specified amount, the application will display a notification about the activation of the service.
A fee may be charged for connecting the promised payment.
Since the size of the commission depends on the payment amount, then:
- for amounts ranging from 31 to 499 rubles, the subscriber will be charged an additional 7 to 25 rubles;
- if you decide to take more than 500 rubles, the commission amount will be 50 rubles;
- no additional fee is charged if the amount of the trust payment is less than 30 rubles.
How to take out a trust loan through a personal account on the website?
The second method is to connect the service through the company’s web service. To do this, you need to go to the official website of the operator mts.ru, select your home region and go to your personal account. In it you will see current communication costs, as well as a field for replenishing your account. Immediately below it you can see the lines: “Connect auto payment” and “Promised payment”.
Attention! If you do not have a personal account, then in order to borrow money, you will need to create one; for this you will need a phone at hand, since short SMS messages will be sent to it to authorize a new user.
To activate the service do:
- Click on the line “Promised payment”.
- A new field appears with the payment amount entered and the “Connect” button.
- Enter the required payment amount and click on the button.
The promised payment is connected.
How to enter the USSD code number on your phone to top up your account?
The last method is the fastest. In this case, you need to enter a combination of numbers - a short digital command from your phone for the service to become active. Algorithm of actions:
- Enter the USSD code: *111*123# and press the call button.
- After a few seconds, the smartphone will display a field where you can enter the amount of the promised payment.
- Enter it and click send.
If the command was entered correctly, the phone will send a response SMS notification.
Features Features
There are several cellular companies in Russia; Tele2 is one of the most famous companies in this area. Due to the fact that companies compete with each other to provide the best communication services, each of the providers offers its users the most favorable conditions compared to other organizations.
For example, the Tele2 operator has developed a promised payment option. The function itself depends on a number of parameters. In particular, on the period of time during which other functions of this operator were used. In addition, the costs of mobile communication services are also taken into account.
Subscribers should remember that a fee will be charged for using the option, in most cases it is equal to 10 percent of the borrowed funds. That is, the more funds the client receives using the promised payment, the more he will have to put on the balance next time.
Using the USSD command *122#, you can find out if the user has the right to use this service and how much finance he can count on. However, activating or disabling the option is performed by a different command.
In what ways can you pay off debt?
Since our main task is to figure out how to repay the debt on the promised payment, we will consider the methods that borrowers can use.
If you use the service to repay a loan, you do not need to go to the provider’s office. All that is required of you is to deposit the required amount of funds into your mobile phone balance so that the mobile operator can write off what is owed to it:
- borrowed funds;
- reward for loyalty.
To replenish you can use any of the possible ways. It is advisable to take care of depositing amounts a little ahead of time, because practice shows that many users forget about their credit obligations when it comes to small amounts.
Expert opinion
Alexander Ivanovich
Financial expert
Important: it’s better to check your mobile phone balance once again to make sure that you don’t owe anything.
How to pay for the “Promised Payment” of MTS from the terminal?
Before proceeding to pay at a self-service device, check how much you owe to the mobile operator. Add to it what you need to pay for the service and don’t forget about funds for yourself so that you don’t have to borrow again.
To repay a loan through the terminal, proceed as follows:
- Find the device.
- Select payment for communication services from the menu.
- Find MTS.
- Enter the numbers of the number to be replenished.
- Enter the amount to be credited.
- Place banknotes in the special window.
- You complete the operation.
It's even easier to pay off debt using your phone. This method is very simple and works flawlessly. You can transfer funds from another SIM card or use a card from one of the Russian banks.
other methods
In addition to the methods mentioned above, there are other ways to pay off debt. This:
- mobile banking;
- Internet banking;
- e-wallet platform;
- sites that allow you to make various types of payments.
As an example, here is the algorithm for paying from a virtual wallet:
- Log in to your wallet.
- Check whether the account has the required amount of funds to repay the loan.
- Go to the “Payments” section or similar. Names may differ between services.
- Select the section “Mobile phone replenishment.
- Specify the provider, number, amount.
- Confirm the actions.
Terms of service
Both in the Russian Federation and in the Republic of Belarus, users who wish to use the “Promised payment” option must meet certain conditions:
- absence of debts both on the number to which the loan will be made and on other client numbers;
- The SIM card was activated more than 3 months ago;
- “Your Country”, “Guest” and “MTS iPad” tariffs are not used;
- The “On full trust” or “Credit” options are not running;
- balance minus more than 30.00 rubles.
Expert opinion
Alexander Ivanovich
Financial expert
Important: if you fully comply with the connection conditions, but for some reason cannot take out a loan, contact the operator’s support service.
The right to call in the absence of funds is given to most clients. If you want to be able to use it regularly, do not forget to pay off your debt on time.
How to top up the balance of another MTS subscriber?
Description
“Promised payment” from MTS is available to subscribers of tariff plans with an advance payment system. Users of communication services with a deferred payment system will not be able to take advantage of the offer.
“Delayed payment” - provision of funds for a period of 3 to 7 days. The amount of credit depends on the monthly cost of using the number. If, for example, you spend 300 rubles a month, you will be offered a loan of 200. The subscriber can choose the payment amount independently.
MTS
To use the service, you need to dial the following command from your mobile device: *111*123# and press the call key .
How to take the promised payment on MTS when there is a minus?
There will be no problems with the MTS operator even if there is a minus on the account. You can choose the loan amount yourself, which is quite convenient and simple. The maximum amount of the Promised Payment is 800 rubles.
The debt is removed three days from the moment the service is activated. The subscriber can also repay the debt in advance, but it should be taken into account that the commission for the service will still be debited from the account.
About how to top up your MTS account from a bank card via the Internet without commission in the article:
