About the new lending initiatives, MTS and Beeline we wrote late last month. Unfortunately, some important details were left uncovered, which compels us to return to the already considered the subject. The emergence of official information on the company website - an event expected, and supposedly more like not any surprises. Indeed, all these things we talked for another ten days ago, after carefully analyzing all the advantages and disadvantages of the new credit payment system. The essence of the idea - "persuade" his own user to deposit a certain sum, which will designate an amount of credit granted. More money - more than the size of a credit line, everything is simple and clear. However, the reality is much more interesting: as it turned out, for half a year credits user's favorite carrier, but after the "trial period" to get back their investment money can not. Scheme is simple and effective, and decisive multiple tasks.
Detailed terms of the loans is available here. Ever since publication of the first news we are interested in the phrase "service fee", as it turned out, was interested not in vain. When connecting to a "service" from your account immediately debited 300 rubles, respectively, for the successful start of the program on balance there should be at least this amount. Next, use the phone and the "thinner" for 300 rubles, the balance as usual. Except for the fact that after a conditional withdrawal of minus to us within 21 days to "pay the bill," ie, restore a positive balance. And you can go into minus no more than that amount. The essence of the "credit" that we have a system lends itself 300 rubles, and for this she takes care to manage this with our non-interest bearing deposit, recalling the need for timely replenish it. But after six months as a reward we are allowed to use their own money with almost no restrictions, plus really begin to provide a loan of up to 300 rubles.
Too difficult to perceive? Let's try to present easier. Step One: "Give 'system 300 rubles, and immediately forget about it, consider these money to pay for tuition. Forgot? Very good, Step Two: If necessary, use communication services on credit, ie, can "go into minus the amount of up to ... That's right, down to minus 300 rubles! How did you manage to guess the exact amount? Step three: time paying for loans and rejoice that we do not take interest. Paid off? Go to step two and continue around the circle. Six months later, on our personal account of a sudden magically appear 300 conventional rubles - a real gift! Not for nothing called the "bonus". Conditional Dollars (aka "bonus") differ from the actual fact that they can only spend on communications services, to withdraw will not happen. Even when you close the contract. Spent? Now comes something that we have so long and carefully prepared: we are starting to use this loan in the amount of 300 rubles! In other words, now we are allowed to retire on this amount minus while continuing to talk, to restore a positive balance is given for 21 days.
From the perspective of simple arithmetic lending looks really free: 300 rub. paid and the same in the end got into the account. Plus six months, given the right to go into minus the amount of 300 rubles. Positively? Absolutely. A surprise gift from MTS? Not exactly, the operator is also something that gets from this program. Namely: the initial payment of 300 rubles. from each "competitor" credit forms of calculation and is almost guaranteed a six-month loyalty to the participants. There will be inevitable losses: some callers probably throw SIM-card with a negative balance and buy their new kits, but it will happen after six months of subscriber experience.Additional revenue from the program is unlikely to be significant (if at all), but also the financial risks of such lending are small. As a result, six months later we get a nice opportunity to go in a little less, and the operator - a great advertisement and a group of relatively loyal subscribers.
You can and should criticize such a weak and ambiguous "Credit" form of payment, but the facts are clear: the program will work on the order more effective than simply handing out "no harm ten bucks." Besides, that would cost the company much cheaper or even bring some extra benefit.