The emergence of advance payment options and online-billing in his time was a real breakthrough that displays mobile communications in the category of truly mass product. And the market reacted to the surprisingly fast. I remember the first publication of statistics and puzzled by the comments of analysts: No one expected such interest in the new product. And this despite the fact that the cost of services in the prepaid-contract time was significantly higher. Simple and clear scheme of "bought - will require" proved to be extremely attractive, no longer had to worry about how much uttered or grasp at the heart at the sight of another account. In those days we did not like to live in debt, let us separately and were not given. Purposefully educate today's consumer, urging more spending still does not work. It got to the point that at the price tag began to indicate the amount of monthly loan payments and the real value of the goods - at the bottom in small print. Of anything does not refuse today, pay later. Tempting? Of course, but for the happiness of the early possession to pay more, sometimes much more. In cellular communication scheme is different: "the goods" on credit is usually sold with no extra charge, and benefit the operators see a wider scope of services consumed, for extra money Sotovik mesyachishko willing to suffer with their receipt. Whether destined to come true hopes to increase profitability - remains to be seen. So many psychologically comfortable paying let frequent, but little by little, this is why the ballot boxes underground so many tickets on 1-2 trip. For these customers the monthly bill will be an unpleasant surprise, and is unlikely to enhance the operator's ARPU. According to the Beeline, a credit form of payment does not object to pass 58% of subscribers, the actual percentage is likely to be referred less, in our view hardly more than 20-25%. Consider and compare credit schemes MTS and Beeline.
Beeline
There is nothing new to invent not have a credit method of payment to individual users has always been a competitive advantage for the operator. Fee for postponement of receipt of money - just over the high cost of services. As an insurance against the possibility of default is used margin, which is three months good credit history return to the account. Since then credit becomes full, although in the case of unusually high costs may be asked to put money into the account before the end of the billing period. The Treaty does not indicate in the advertisement did not write, but the credit limit exists in the form of very specific numbers, depending on the average monthly cost of service and subscriber statistics payments. For subscribers with little experience of the size limit is typically less than 2, where 'x' = sum of the indemnity payment. Their individual limit if you want you can figure out the easiest and most effective way - to call the contact center to complain about the impending trip abroad and wondering whether the phone is not unplugged.Most likely the required number will tell you, in the worst case would be called an approximate threshold.The new line of credit TA introduced in all regions, a move to credit (so-called "postpaid") form of calculation and characteristics of these tariffs can be specified toll-free number 0616. Margin (collateral) for the Moscow region is 400 rubles., With accurate monthly payment for mortgage transferred to the account after three months. Payment deadlines - 25 days from the date of issue. The first time is not recommended to spend too much, as in the case of the high costs (more than the sum of the collateral) may be asked to update your account. Without warning, the number will not block, you first send SMS, then receive a call. Expense of delivering on the email-address (for free), amount and terms of payment will be sent automatically in the form of SMS (you can find out by SMS-request). The order and types of funding are the same as for prepaid-contract.
Subscribers postpaid system serviced the billing system Amdocs, change of tariff on the credit automatically transferred to this billing. By the time the credit line rates Amdocs upgrade and now, in theory, it should make previously unavailable services. Special claims to this billing was not before, though at times irritating "muse" for write-off included in the monthly fee minutes (delay of up to several days).
The main parameters of the credit rates can be found here. It has been suggested that the pricing for credit TAs will be slightly higher than in the prepaid-analogues, but the fees "Simply put" and "I want to say" I see the difference in numbers was not possible.
Of the curious new products - tariff "Your Club". The main parameters correspond to the TP "Family", but appeared monthly fee RR 95. per month (76 USD. when signing an additional agreement for one year of service), for which we receive calls at 1.45 rubles per minute. within the tariff. The principle of preferential tariffs within the call is clearly becoming popular.
MTS
News of the imminent introduction of credit form of payment is available here. To put it bluntly: intrigued, especially with the words "service fee". Quote from the news:"For the first time in all regions of presence of MTS on tariff plans with no monthly fees. Paid service. Opportunity to delay payment of a monthly mobile phone to a certain extent. Will be available at rates first, free, we, RED, RED_Text, MAXI, MAXI One, as well as on other tariff plans (excluding corporate). "
The assurances of the press service of the MTS service will be provided free of charge - like, but changed your mind? Or the service itself is free lending, but the amount of credit will accrue? Soon everyone will know, full information will be available on May 7. While studying the basic parameters of credit.
- Lending scheme differs significantly from the scheme Beeline. The main difference and advantage - lending is conducted through a billing system in the form of "services" and will be available on most current (open connection) tariffs. That in terms of marketing much more successful separate credit line, as not suspicious in raising rates.
- The second difference - the amount of guarantee payment (pledge). Subscriber is provided with the opportunity to choose the desired amount of the loan, it is such a pledge would have to deposit and in part to "freeze" for six months. We continue to use the bond and pay for services as usual, after zeroing the balance of the phone is not locked, and starts to consume the pledge.
- The third difference - the period of payment of bills and time "trial period". The pledge comes on the account as a payment after six months (after three Beeline), the bill must be paid within 21 days (at Beeline 25). Six months later we get a credit-for-service type of debit card account with a rigidly prescribed amount authorized overdraft. Ie lend us would be, but within the amount that we ourselves six months ago marked the size of the deposit.
Take the pledge and to allow its spending to pay for telecommunications services is as illogical as well as benefits for the operator seems to be not visible, and the client and does not care what his money is spent. However, when querying the balance of the balance will be displayed without collateral, which should stimulate the deposit. And at the end of the billing period by not have to fill up an arbitrary amount, and at least sufficient to recover the amount of bail. It turns out some kind of training for the subscriber, so get used each month to pay for as if granting credit. "As if" because in fact the loan amount for a period of six month training caller identified himself. As such, the scheme seems logical: the first six months, the operator does not bear the financial risks in general, and gets some extra money in circulation, and the next user gets used credit responsibly pay. Customer loyalty for the six months also increased sharply, as the likelihood of complete zeroing account together with the low key and just throw the SIM-card will not have to go to the office to close the contract and withdraw the remainder of collateral.
