Among the users who left negative reviews about Kviku, people who delayed payment for a couple of days. The source of negativity for this group of customers was threats from the employees of the discussed online service. These reviews could be evidence of illegal actions by Kviku if their authors logged in through a social network or indicated the addresses of their personal pages.
What the company does
Kviku is a service that provides loans and microloans, as well as helping tourists who want to book plane tickets online. The company’s website is located at www: //kviku.ru. The reviews left on partner resources characterize this project as a one-of-a-kind virtual service for searching and purchasing air tickets on credit.
Kviku automatically adds the percentage for the services provided to the amount that the client must pay for the ticket. The company is not a virtual ticket office, and this is reflected in advertisements and videos published on the Web. Kviku plays the role of a search engine: it selects the option that suits the customer from what official airline ticket sites can offer.
Before accepting a customer order for processing, the system first checks its credit standing. It is possible to pay by bank cards (Maestro, VISA, MasterCard) and electronic money (WebMoney, Yandex.Money) on the site.
Kviku virtual credit card. Customer reviews
A virtual credit card is an opportunity to buy online without providing third parties with information about the state of your bank account. The main advantages of this type of service are inaccessibility for others and the lack of a service fee.
A virtual card exists only in electronic form, but outwardly it looks exactly the same as a real bank card. You can get a virtual “credit card” at a bank or through a global network. For persons who are clients of a banking institution, it is possible to issue an interactive account.
Most comments are authored by users who are happy with the Kviku “credit” service. Reviews characterize the service as a virtual lifesaver. If a person needs to urgently fly away, but does not have money to buy a ticket, Kviku comes to the rescue.
Users of the World Wide Web, who are positive about Kviku service, call it nothing less than a faithful lifeguard and reliable assistant for people who love to travel. If the poor tourist has to go on a trip, he sooner or later learns about the existence of Kviku. Here, without problems, you can get a loan, as well as purchase plane tickets without rushing about in the queues.
Kviku has become a real find for people who are forced to take an unplanned trip.
This has not happened before: deferred payment air ticket
A peculiar “feature” of the service is the ability to get a treasured ticket without money and pay for the purchase in a few days. Kviku praise sheds light on some of the features that have made the company “overgrown” with so many devotees. Netizens who wish to remain unrecognized mention a grace period of seven days for deferred payments without interest.
When reading thank-you notes, it’s understood that if, after the credit time has passed, the ticket goes up, the client will pay the amount current at the time of placing the order.
Reasons for Negative Reviews
The main reason for the indignation of users who left a negative review about kviku.ru is “draconian” percentages. But not only the monetary issue annoys dissatisfied customers of the service. Along with the enthusiastic and thankful exclamations of the happy owners of loans and airline tickets, their reviews look awkward. After all, the reason for dissatisfaction is in the improper provision of services.
Buying tickets, according to dissatisfied customers, is really fast. Only instead of the vaunted amenities and optimal options, customers are provided with economy class seats. The situation is aggravated by the fact that such a “service” has to pay a high percentage.
Almost all customers who wrote negative reviews about kviku.ru exhort users who are only going to use the service to not do this. The reason is all the same “sky-high” interest and cynical methods of influencing debtors.
If you believe the comments of the dissatisfied, customers who missed the day of interest payment are subjected to all kinds of moral humiliation. For example, offensive posts appear on their pages on social networks, the purpose of which is to notify as many people as possible that the designated user is indebted to Kviku.
It’s worth considering ...
Among the negative comments sometimes come across revelations of people who had to deal with illegal actions and negligence of Kviku employees. The reviews of these users are published on thematic sites and are open for free review.
In particular, there are references to the unauthorized cancellation of the seven-day grace period. For example, a former fan of the service who wished to remain unrecognized reports that Kviku may violate its own rules by serving regular customers. What is guided by the employees of the company, arbitrarily making "fateful" decisions, is unknown.
What you need to know when applying for a loan. Explanations of financiers
“Borrowed money without guarantors! Without collateral and salary certificate. ” Each person reads such offers daily online and offline. There are frequent cases where the design of even the smallest loan becomes the cause of big problems. Debt on a loan officially registered through a bank often ends with the loss of real estate, or even all property acquired by the debtor.
Of course, no one says that Kviku credit card may be the cause of such problems. Reviews of some customers of the service under discussion indicate that not all citizens, when applying for a loan online, take this responsible financial transaction seriously. This chapter is for them.
Many borrowers, realizing that they will not be able to repay the debt on time, try to soften the bank employees and achieve the cancellation of interest payments. However, stories about adversity, financial problems and family troubles do not produce the expected effect. Even the most justifiable reasons do not exempt the non-payer from debt obligations: papers proving the fact of non-payment of the loan will sooner or later appear in court.
Sometimes the bank makes concessions to debtors who regularly return at least a small part of the debt. As a rule, their cases of non-payment are considered last.
All the bank can do is to free the debtor from paying fines or penalties. In particularly difficult cases, a debt restructuring program is launched (debt is transferred to a special account, which can be paid later).
Distinctive features of the kviku.ru service. Feedback from borrowers and customers
This service has its own characteristics. For example, Web users who want to get a loan, Kviku offers to make a test purchase in order to verify the solvency of a new client.
Most Kviku customers (reviews of these people are published on the Web and are freely available) really like the thoughtfulness of the ticket purchase service. For example, the passport data of the client who issued the ticket is stored in the system, which facilitates the process of buying a return ticket. And one more important detail - in case of flight transfer or cancellation, Kviku customers who bought a ticket will receive a notification.
Users who are positively inclined to the service note that the calculation of interest on the amount spent on the purchase of air tickets begins after seven calendar days. With a client who managed to pay off the debt within seven days, no interest will be charged.
Now we will consider how they respond on the network about the lending service. Users who have issued a virtual credit card receive privileges in the form of additional discounts from well-known online stores, such as Lamoda, Quelle, MTS, Mvideo and Aliexpress.
You need to know about this in advance
When a loan is issued, the required amount does not appear on the client’s account immediately, but after some time. In addition, the exact amount of the loan is determined by the lender.
The owners of a virtual credit card who have delayed the calculation of the loan are charged a fine - approximately two thousand rubles for each day of delay.
Debts are refundable.
Some comments, judging by their content, are a response to the attacks of specific people who left negative reviews about Kviku. This is a category of people who issue loans, knowing that they will not be able to repay them. And even more ... they are not going to do it.
It is not known whether any of the users who borrowed money from the company under discussion managed to irrevocably appropriate them to themselves. However, attempts to do this were certain. The conclusion suggests itself: negative comments are sprinkled by dishonest people who do not want to pay bills.
Unfortunately, the panelists did not disclose their real names. Therefore, it is not possible to find out who is right and who is to blame.