How to use Halva card? Partner stores of the Halva card. Where and how to draw a Halva card

The beginning of 2017 was marked for Sovcombank with the release of a new product called Halva. The authors of the project believe that this product is able to attract new customers and become very popular.

Briefly about the Halva installment card

The Halva installment card makes it possible to pay for goods or services with borrowed funds, without paying interest. You cannot use it anywhere, because the circle of partner stores of the Halva card is clearly defined.

Despite the resemblance to a regular credit card, Halva has several distinctive features:

• payments for goods and services are made by installments, and interest is refunded not by the cardholder, but by the partner stores in which the customer made the purchase;
• down payment is not required;
• additional commissions and overpayments are also absent;
• if the borrower complies with all conditions, then the grace period for it will be a calendar year;
• the card is valid for 5 years;
• Using the card is absolutely free.

Halva card is unnamed, it does not indicate the name and surname of the holder, due to this registration takes place in a short time. The provided limit is different for each client.

Card Terms

Before using the Halva card, you should familiarize yourself with the basic conditions, including:

• Payment for goods and services only in partner stores.
• The inability to withdraw cash or transfer abroad and to other cities of Russia.
• An individual limit amount for each specific client. Its size does not exceed 350 thousand rubles and depends on the income and credit history of the client.
• Timely making all payments by card, otherwise the bank may apply penalties (0.1% for each delayed day, including weekends and holidays).

Owner Requirements

A Halva card can be issued by a client who meets the following criteria:

1. The presence of citizenship of the Russian Federation.
2. Age at least 20 and not older than 75 years.
3. Official work experience in last place for at least 4 months.
4. Residence permit in the locality where the bank branch is located, where the potential client applied for a card.
5. The presence of a landline telephone.

If the client meets these requirements, then card issuing will begin right on the day of contact.

Decor

To draw up the Halva card, you need to go through a few simple steps:

1. Visit any of Sovcombank branches and present the necessary documents to the bank employee. Most often, a passport is enough, but the bank may require documents that confirm the income of the client. You can also fill out a simplified form on the site halvacard.ru, wait for a call from a specialist and discuss with him the possibility of issuing a card.
2. Wait for a decision. A notification about it will be sent by SMS to the telephone indicated by the client or by phone call within one day after the application is submitted.
3. Get the card in person at the office where the documents were submitted.

The card does not need activation, you can pay for goods and services after the receipt of the card.

Replenishment

The client can replenish the Halva card of Sovcombank. This can be done in one of the following ways:

• through Sovcombank ATM;
• at the bank branch;
• transfer from card to card;
• using the Internet Banking service;
• card details or accounts through third-party organizations.

Discard card

If the client wishes to refuse the Halva installment card, then his actions should be as follows:

1. Write a statement about closing the card and contact him at the office.
2. Transfer the card to a bank employee who will destroy it in the presence of the owner.
3. The account will be closed after 45 days, the client will be notified of this by SMS message or call.

Personal Area

All operations on the card can be viewed in your account. Logging into it is possible through a mobile application, from the official website of Sovcombank or after authorization under your account.

Halva Card Partner Stores

On the site you can find information about the partner stores of the Halva card.

To browse the shops, the client must choose the city in which he plans to make purchases using the Halva card.

The list of stores will be presented in the form of a table in which we reflect only the largest and most popular retail chains.

Amortization

If it’s easy to understand how to use the Halva card, it’s worth mentioning separately how to pay off the debt.

When making purchases in partner stores, you need to pay attention to the installment plan provided by a particular network.

Timing is also quite simple:

• The minimum required payment is calculated on the day the card is issued. It must be entered on the card every month on the same date. For example, if the card was received on September 14, then on the 14th of each month a payment must be made.
• To pay off installments, money is paid within 14 days from the date of calculation of the minimum payment, for our example, the deadline will be on September 28th.

Payment Amount Calculation

In order to calculate the amount of the required minimum payment, you need to summarize purchases with unpaid installments, divided by the number of installment months (do not forget that it is individual for each specific purchase).

Let’s take an example. The cardholder made three purchases per month: the first for 2000 rubles with installments for 1 month, the second for 3000 rubles with installments for 3 months and the third for 6000 rubles with installments for 2 months. We calculate the required payment for the next month: 2000/1 + 3000/3 + 6000/2 = 6000.

If the cardholder does not make this payment, starting from the sixth day of payment delay, 0.1% of its amount will be added to the amount of debt daily.

Cash withdrawal

The main purpose of the Halva card is cashless payments for services and goods.

It is impossible to withdraw cash from the credit limit account.

However, you can cash your own funds from the Halva card. Banks and ATMs of Sovcombank will help you with this. At ATMs and cash points of other banks, this also cannot be done.

Halva Map: reviews

Like any product, the Halva installment card has both positive and negative reviews.

The advantages of the card, its users include the following points:

• Getting installment plans for a product without a long wait.
• Interest-free installments up to 12 months.
• No down payment.
• Large (up to 350 thousand) and revolving credit limit.
• A large number of partner stores.
• Free receipt of the card and its annual maintenance.
• Free SMS notification about card transactions.
• The presence of the Internet Bank service, where you can view the history of operations.

However, not all users respond positively to the Halva card. Reviews that are negative in nature are most often based on its shortcomings:

• Strict requirements for a potential card holder.
• Halva card is considered by banks as a loan burden, so it can become an obstacle when applying for a new loan.
• If the card holder does not use it for six months, then the card is canceled automatically.
• The holder’s email is “clogged” with letters with promotions from Sovcombank partners.
• The terms of the contract oblige the bank to be notified of a change in the holder’s passport data within 5 days; if the time limit is violated, a fine of 3 thousand rubles is imposed on the holder.
• Partner stores decide for themselves what range of goods and for how long installments are available.

Questions

Despite the availability of sufficient information about the card on the Web, users often ask their questions about Halva. Consider the most popular.

How to use Halva card?

Using a card implies only non-cash payment when purchasing goods by installments. This is the only type of operations that can be performed with borrowed funds.

Who starred in the Halva card ad?

The card is advertised by Ekaterina Skulkina, the former KVNshchitsa, who is now known to viewers on the Comedy Woman project.

Can I pay with an LCD card?

Payment of utilities is possible only with the use of own funds.

Does the card have a cash back?

There is a cash back reward for the Halva card of Sovcombank, it is 1.5%. However, accrual is made only when the card pays for goods or services at its own expense.

What is the benefit of the bank?

The bank receives a commission from partner stores where purchases are made using a card. Thus, the benefit is obvious to everyone: the store increases turnover, the bank receives a commission from each purchase, and bank customers have the opportunity to use interest-free installments.

How much can you spend?

Card purchases can be made until the credit limit is exhausted.

How to withdraw own funds from the card?

Own funds can be spent at partner stores, receive cash at Sovcombank’s ATM or cash point, transfer to any card by visiting Sovcombank’s office (with a fee of 2.9%) or transfer funds without paying interest to your own account in Sovcombank also through a bank employee.

Is it possible to replenish a card for an amount greater than the minimum required payment?

You can, however, keep in mind that the "extra" funds will also go to pay part of the next payment or pay it off.

To issue or not to issue a card is everyone's business. With proper use, it can provide a good opportunity for large-scale installment purchases without overpayments. However, non-compliance with the terms of the contract can lead to unplanned expenses, because you need to use the Halva card strictly observing the requirements that the bank makes.