How to order and buy goods for Lamoda by installments, loan? Instrost map online - Conscience: how to get, issue and pay in the Lamoda online store? Installment card Conscience for Lamoda: Customer reviews

Conscience - a credit card of interest -free installments: installment conditions for Lamoda.

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Buyers Lamoda They can purchase trend things for all kinds of shares. The resource constantly improves the methods of buying goods, creating the most comfortable conditions for buyers. Recently on Lamodathere was an opportunity to purchase goods with a credit card conscience.

Is it possible to make purchases for Lamoda In installments? What are the conditions of this installment plan and what is needed to obtain a credit card conscience? What are the advantages of buying goods by installments on Lamoda? Read about this in the article.

Conscience - credit card of interest -free installments: installment conditions for Lamoda

Many have repeatedly heard about the credit card of an interest -free installment plan. However, from the commercial, information about the credit card and how to use it is not enough to draw enough.

What kind of card is this? Let's understand.

Conscience credit card from the QIWI payment system and the bank of the same name is used by customers Lamoda To pay for goods that are sold and delivered by this online store.
How to pay for purchases Lamoda"Conscience" card?
You can pay for the purchase card on the site.
You can also use the application for payment by card Lamoda.
Receiving the goods Lamoda At the order of issuing orders Lamoda, the buyer can pay with a card.

When the courier was delivered by Lamod goods, it is possible to pay with the Conscience with a card. Such a service is available in the following cities and regions:

Moscow, Zelenograd, Khimki
Voronezh
Yekaterinburg
Leningrad region
Novosibirsk
Nizhny Novgorod
Omsk
Permian
Rostov-on-Don
Samara

See the full list of cities here.

In order not to arise misunderstandings, it is necessary to check the information about the seller during the placement of the order: the Conscience card can only pay for those goods that sells and delivers Lamoda.
More information about the installment plan "Conscience" read here. On the same page there is an opportunity to proceed to the registration of an application for a card.
The installment card "Conscience" is a prepaid card. The owner of such a card can pay for his purchases and services in online stores, which are partners of the bank that issued the card.
Payment by card "Conscience" is the purchase of goods in the online store on credit. The buyer can place an order, and pay for him a “conscience” card. After that, during the time indicated in your personal account, repay the loan.
Interest for using a loan is not charged. But there are certain conditions: the buyer must fully pay for the previous order, paid by the Conscience with a card, fitting in terms. Information about the period of installments and the deadlines of debt repayment is indicated in the personal account.
The thing you like or other goods on Lamoda You can purchase without waiting for a salary.

Agree, the product that has not always been liked lies for a long time in your basket: sometimes before the purchase, the doubtful buyer discovers that the goods have ended or the size and colors remained that are not suitable for him.

Having placed an order using the Conscience card, you can try on the long -awaited new thing in a few days. In the future, it will only be necessary to make monthly payments in time.
Cash funds are not withdrawn from the Conscience card to pay for the goods ordered in the online store. Such an opportunity is not provided.
The Conscience card is a credit card, but with interest -free use of cash.

When ordering the Conscience card, the bank opens the client with a ruble account at the bank and the buyer can make purchases on online stores on credit. The amount of the loan is equal to the amount of the purchase. You can pay off the debt for several months.

If the buyer does not make monthly payments during the installment period, then a fine is charged on him, as on the owner of a card tied to a ruble account in a bank. The size of the fine is fixed and is 290 ₽.
If the buyer does not pay off the debt, after the expiration of the installment period, interest will accumulate from unpaid amount. Their size is 10% per annum.
The Conscience Limit can be from 5,000 ₽ to 300 000 ₽, depending on the solvency of the card owner. The limit resumes after each repayment of the loan.
For servicing the Conscience card, nothing is charged from the owner.

The limit resumes after each repayment of the loan

What is the uniqueness and benefit of using the Conscience card?

Card owners receive new opportunities for shopping in online stores
You can pay for the ordered goods for several months in small payments.
If you belong to the category of people who are suspicious of all loans, then you heard or read a lot of stories about the installments advertised, from which only one conclusion: naked installments without overpayment do not exist.
When applying for any installments in the store, the buyer does not leave without registering a service imposed by a credit specialist - life insurance or goods. Often banks do not approve of installments to the buyer. A bank client can get the desired product only when applying for a loan.
Credit card “Conscience” is a special banking product that allows its owner to purchase goods under guaranteed installments. At the same time, credit specialists of stores do not take part and do not impose paid special services.
The installment plan on the credit card “Conscience” is provided for at least 30 days and the maximum - for 12 months.
There are situations when the owner of the card “goes” beyond the scope of installments. Then standard conditions for a loan with an average interest rate of up to 10% per annum begin to operate.

With classic lending, the buyer pays the value of the goods, after which it is necessary to pay for compensation to the bank of the full value of the goods to which interest is added. The difference between the card Conscience and the usual credit card is that the card holder needs only the amount for which the purchase was made. The algorithm for obtaining interest by the bank is slightly different: the seller himself pays the institution.

Credit card conscience:

it is made out for free
conscience - 5 years valid
the outdated card changes for free for a new version
with the loss or damage to the current card, the bank client pays its restoration
the deadline for the payment of the amount of money by credit card is 3 months from the date of registration of the purchase for Lamoda
if the installment plan is paid not on time, then the card holder pays a fine
in the absence of a payment in the site indicated Lamoda terms, the card holder pays for the percentage for the use of the amount of money (amount to 29% of the value of the ordered Lamodand goods)
the holder of the card has the opportunity to use the Mobile Bank service for free (the service allows you to replenish the card)

The deadline for the payment of the amount of money by credit card is 3 months

Advantages of using the Conscience card:

clients Lamodand they can make a card online
for the design and use of the card, the board is not charged
when buying goods by installments on the card, conscience excludes overpayment
bank customers have the opportunity to get an increased credit limit
the client learns all information on the map from messages

Negative moments when using a card conscience:

cash is not withdrawn in cash
the card can be used when paying for purchases of certain stores (on the resource Lamoda)
installment is provided for a limited period - 3 months

How to order an installment card conscience in the Lamoda online store?

If you are not yet a happy owner of a conscience card, but after reading the article, they appreciated its advantages, then to make purchases in installments, you need to issue a card.

To obtain a card, we perform the following actions:

From the main page of the site Lamodand we cross here. The resource will redirect us to the site of conscience.
We fill out the questionnaire for obtaining a card. We leave an application on the bank's website. At this stage, it is necessary to enter your own data and wait for the bank’s decision.
After the bank security service approval, the bank employees check all the customer data manually. The bank makes decisions on the issuance of a plastic card to the client and the size of the limit.
Clients receive the ordered plastic card from the courier. A personal meeting with a courier service employee is necessary to confirm the authenticity of documents. The courier will make several pictures of the passport so much.
Finding the first time on the card Conscience of the purchase for Lamoda, you need to activate the card. To do this, the card number must be sent using SMS to number 512. The card number should be made from the phone number indicated in the questionnaire.
The card holder receives a message with a pin code. Now, a card of conscience can be paid by bank transfer for purchases on the site Lamoda. The card is activated after the first purchase.
A message with the received pin code must be deleted by remembering or writing down in a notebook.

How to order an installment card for a conscience in the online store Lamoda

How to order and buy goods for Lamoda by installments, loan?

We choose the products you like on Lamoda.
We go to the basket and look for a special option in the list.
We click on the "Send order" button and go to another page for payment. We fill out the necessary data on the conscience card.
We click on the “Send” button and receive a message about the well -conducted purchase procedure.

How to order and buy goods for Lamoda by installments, credit

Installment map Conscience to Lamoda: Customer reviews.

Among the reviews of card holders, the conscience is dominated by positive:

Natalia, 37 years old: “For the first time I heard a conscience from the bank’s employee about the map. It was a proposal to issue a card of interest -free installment plan. She agreed without hesitation, because I was not risk. In addition, I could not use the card if I had much doubted. I tried to order goods and it turned out that the installment card is super-high and comfortable! Payment is made contactlessly, the commission is not additionally removed. ”
Valery, 42 years old: “The bank approved the credit limit on the card a conscience of 140 thousand. They were able to afford with his wife a valuable purchase, which they did not dare for a long time. I think only a limited number of partner stores. ”
Veronica, 49 years old: "Postering for clothes on Lamoda Conscience with a map. I was satisfied with both the service consultants and store employees. ”

Among negative reviews, the following can be distinguished: