Almost simultaneously, MTS and Beeline engaged in active promotion of credit form of payment. "New" in this case is the well-forgotten old one, before the advent of modern prepaid-platform in this way paying subscribers with the operators. Today's loan contract can not be regarded as a return to the previous model, but rather as an additional trump card in a competitive game and attempt to collect more money from subscribers. As far unsuccessful attempt to show time and ARPU, but for now try to understand the features of new proposals.