Credit Cards

“Conscience” credit card: how to apply?

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Posted By Karen Castillo

Credit cards in Russia have a huge demand. They allow you to buy things as soon as necessary and then close the debt with interest. Credit cards work on various programs.

They play an important role for customers. Recently, a card of conscience has appeared in Russia. How to do it? What is this plastic? We will have to answer these questions further. In fact, such a proposal may be attractive to some people in the country.



What is a conscience card? This is the first thing everyone will have to figure it out.

This name is a plastic card from E-Money “Conscience” is the most common credit card. He can pay for purchases and then pay off his debts. It would seem nothing heavy. But, in fact, the Conscience card (how to arrange it, we will consider later) allows you to take the goods not on credit, but on installments. You can call this plastic card a prepayment card or an interest-free credit card. A pretty tempting offer is to buy and not overpay.

How to draw the “Conscience” tab? You will first need to familiarize yourself with the basic terms of use. Plastic is issued for a maximum of 5 years. It will then have to be reissued.

The credit limit on the card is 300,000 dollars. You can’t spend more than this amount. They must repay the previously accumulated debt.

There are no other limitations. If you cannot use plastic in all retail stores. But about that later.

Basic requirements

How to draw the “Conscience” tab? To do this, the client must fulfill certain conditions of the Bank. There is usually no problem with this item. But everyone must still know about the requirements.

In order to assemble the “Conscience” installment card, you will need to:

  • be at least 18 years old;
  • reside in the Russian Federation;
  • be a citizen of Russia;
  • they have no open loans (debts);
  • have a good credit history;
  • have an official source of regular income (sometimes it is necessary to confirm it in plastic production).

Maybe that’s it. Installation cards can be issued without confirmation of the official receipt. However, it is better if the documents are available to the citizen at the time of submitting the application. It significantly simplifies the procedure.

In addition to the above requirements, a citizen must have a personal mobile phone. Otherwise, the card cannot be issued and issued. After all, the “conscience” is tied to a cell phone.

About partners

About partners

Catch the studied plastic is it does not work in all stores. Interest-free installments can only be obtained by ‘Conscience’ at certain retail outlets. In total there are more than 45 pieces.

Before applying for a Conscience credit card, the applicant must identify with which organizations E-Money Bank is working. These include:

  • Aeroflot.
  • “Connected.”
  • Euroset.
  • Platypus;
  • “Bill.”
  • “Video”.
  • “Lamoda”.
  • Sunlight.
  • Burger King.
  • “Optical aircraft”.
  • “Il De Bote”.
  • Lego.
  • “Daughters and sons.”
  • Curry.
  • Yulmart.
  • Sony.
  • Samsung
  • “Shatura”.

These are far from all partner shops. But many people use them. Consumer cards will not work in regular stores. And this should be considered by all. Otherwise, the presence of plastic being examined will cause many problems.

Repayment period

Repayment period

Many are interested in how much interest-free credit is issued on the Conscience card. This is an important point. Finally, after the deadlines, the citizen will have to pay a small fine. We’ll talk about that later.

When thinking about how to build a card of conscience, the client should understand that there is a repayment plan for different periods. It all depends on where the plastic was paid.

For example, you can focus on the following data:

  • MVideo – 4 months.
  • “Optics Aircraft” – up to six months.
  • Svyaznoy and Aeroflot – 3 months.

The maximum repayment plan is 1 year. We recommend clarifying more precise information in the E-Money Bank partner store.

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