Indebted to MTS. How to get a loan for MTS "In full confidence"

Can every subscriber receive a debt?

Less than 2 months have passed since you purchased the SIM card? The service will be available; however, you can only borrow 50 rubles. And only if the balance is not below zero.

On the 61st day after registering the number, the operator begins to trust the client more. This means that these lending conditions become relevant for you:

spend from 300 rubles on communications, you can take out a loan of 100 rubles or 200 rubles;
you spend from 301 rubles per month, you get the opportunity to take 300-400 rubles;
if spending exceeds the amount of 501 rubles, a debt of up to 800 rubles becomes available.

To borrow from MTS, the minus on your account should not exceed 30 rubles. Otherwise you will have to use the options described below.

Attention! “Promised payment” is incompatible with some tariffs (for example, “Guest”, or “MTS Connect”) and services (for example, “On Full Trust”). However, many tariffs, including Smart-unlimited, are compatible with it.

How to take the promised payment on MTS

Enter the USSD command *111*123#. You will be offered several available amounts for replenishment (if your SIM card is more than 60 days old).

Important! If you take out a loan for a phone from 20 rubles, then the operator takes a commission. Its size ranges from 7 to 50 rubles.

If the combination does not work, you can borrow money from MTS by calling 1113 or visiting your personal account using this link - online.mts.ru. Online you can both borrow money from MTS and connect other options with a zero balance.

How to talk on credit up to minus 300 rubles

"Promised payment" is bad for two reasons:

It’s easy to miss the moment when there is less than 30 rubles in your account. and, accordingly, give yourself more through the “Promised Payment”;
For new subscribers, it is usually useless, since they can only borrow money from MTS if they have a positive balance.

Therefore, there is an alternative called “In Full Trust”. This is a service that allows you to pay for communications once a month and lose up to 300 rubles.

It works like this:

You connect “On Full Trust” for free - the service does not require any connection fee or a fixed monthly fee;
spend as much as you need. Even on loan. Negative balance limit – 300 rubles;
at the end of the month the system itself calculates how much you owe. You receive an SMS indicating the amount;
You pay the invoice by the 24th.

Attention! If the balance falls below the permissible limit or the MTS loan is not repaid on time, the SIM card may be blocked.

The advantage of the service is that 300 rubles is only the initial stage. If you regularly top up your balance, the maximum amount of debt will increase to 900 rubles, since after the starting period (30-31 days) it begins to be calculated from the total amount of payments for 3 months.

To connect “In full confidence”, dial *111*32# or send an SMS with the text 2118 to number 111. In addition, you can call 111 and after the autoinformer message, dial the numbers 2118.

Call and SMS at someone else's expense

In addition to the option of borrowing money from MTS, you can use others. Dial 0880, listen to the informant and enter 10 digits of the number of the subscriber you want to call.

If he accepts the call and confirms that the call will be paid from his account, you will get through. If a person misses or rejects a call, he will receive an SMS on his phone asking him to call back.

To send an SMS at someone else's expense, dial the number, add the numbers 5880 to it and press call.

Interesting! You can also send an SMS message with a request to top up your account by dialing the code *116*subscriber number# or *116*subscriber number*amount#.

How to make free calls with a positive and negative score on your smartphone

If you have an IOS, Windows Phone or Android phone, install the Viber program. This is software that allows you to call or write a message for free to any person who has it installed (and it doesn’t matter whether MTS is on the other subscriber’s phone or not). Install and get the opportunity to talk for free.

Viber works via 3G, 4G or WI-FI, so all you need to make a call is free internet. The program automatically synchronizes with your contacts from your phone or SIM card.

Additional benefit from the application: you can transfer images and videos, as well as other files, just like in the popular Skype messenger, which often behaves strangely on mobile phones.

Funds on your mobile phone always run out at the most inopportune moment, this is especially annoying when you need to make an urgent call. There are several ways to quickly top up your account via the Internet, in communication shops, through terminals and other methods. However, there are times when the phone owner cannot use any of these options.

That is why Russian cellular operators have come up with a lot of ways to get out of this situation. The article details how to borrow money from MTS to mobile operator clients if there is no money on their phone balance. You just need to use convenient options using the keyboard of your mobile device or by visiting the official website mts.ru.

How to borrow on MTS

You can top up your account using the following services:

“In full confidence”;
"Promised payment"

“In full confidence” service

“Full trust” from the operator means that there will definitely be no sudden blocking of the phone with a zero or negative balance. By choosing this option, you must pay all telephone costs monthly, otherwise it will become impossible to borrow money from MTS.

Such additional services have a limited limit. For example, all users can use the options on the phone by spending an additional 300 rubles. The score in this case will be negative. MTS clients who spent more than 500 rubles per month on communications for six months have a limit on the funds lent, increased by 2 times. After a subscriber who has been able to periodically borrow money from MTS for 6 months, he will have the opportunity to have a limit of 750 rubles.

This additional feature is activated free of charge and does not require additional expenses in the form of subscription fees. Borrowing money is very easy, just dial the code on your phone dial: *111*32 # , then press the green call button.

The “In Full Trust” service will allow you to use services with a zero balance.

After this operation, within a few minutes, you will receive an SMS notification informing you about the status of the order (approved or not). Also, clients of this company can connect via the Internet. To do this, you need to go to the website mts.ru and select the “Internet assistant” service. By choosing the latter method, the company will award bonuses in the amount of 120 points as gratitude.

Any person who has chosen such a cellular operator can use this loan method for urgent calls, except those who use the following tariff plans:

"Guest";
"Your country";
"MTS Connect";
"MTS iPad";
"Cool."

Service "Promised payment"

The “Promised payment” option allows you to borrow money with a limit of 800 rubles. The approved loan amount depends on several factors:

length of cooperation with the company;
average monthly communication costs for the user.

To find out how to borrow money on MTS, and what limit will be approved for you, there is a simple formula for calculation.

For example, if spending on telephone calls and mobile Internet costs a person no more than 300 rubles, then the available loan will be no more than 200 rubles. If a mobile operator receives 300-500 rubles from a person monthly, the operator will provide a loan of up to 400 rubles. And cell phone owners who actively use this cellular operator and spend 501 rubles or more every month have the opportunity to make calls with an additional balance of up to 800 rubles towards the debt, which must be returned by replenishing their own telephone account.

This function is ideal for people who, for some reason, do not have time to monitor their phone balance and do not have the opportunity to urgently top up their phone account. The service works even with a minus account. The subscriber will be able to use any services and will not even notice that there are no funds on the balance.

An important limitation that should be noted: the balance at the time of the loan can be negative, but not more than 30 rubles of debt. If the balance is above zero, the subscriber will automatically receive 50 rubles when typing a command.

In that case if the user decides to take out a small amount as a loan(less than 30 rubles), there is no payment other than repayment of the debt. You can borrow and use this service without damaging your wallet. If a larger amount is required, you will have to pay a commission fee of 7 rubles for each promised payment.

Connecting services on the MTS website

If the SIM card has been used for a long time or not at all, there are no communication costs, but you need to call urgently, you can always get 50 rubles in debt. MTS tries to warn its subscribers in advance that You cannot use the “Promised Payment” and “In Full Trust” services at the same time. You need to choose one option that suits you.

How to pay off a debt to a mobile operator: the “Promised payment” service

If the opportunity arises to pay off the debt, it would be the right decision to take advantage of it. If it is not possible to cover the debt completely due to a lack of funds, then the “Promised Payment” service will be partially repaid.

There are limits within which debts must be repaid - 7 days from the moment of issuance of additional funds from the company servicing the number. In case of late payment, the number will be blocked. Only after this time has passed will it be possible to repay the debt to the telecom operator.

There are several ways to borrow money thanks to an option called “Promised Payment” from the mobile operator MTS:

dial the code on your mobile phone: *111*123# to activate the service automatically using the context menu;
dial the number 1113 , then the operator will activate the service at your request;
If you have the Internet at hand, you should download the official MTS website and visit the “Payment” section and find the additional subsection “Promised payment”.

Paying off debts on the MTS website

This service will be activated instantly, and the client will receive an SMS notification to confirm this action. Periodically, the terms of the promotion change. If necessary, you can keep track of such innovations by visiting the official website of your telecom operator.

Where does the dust come from and where does the money disappear? This aphorism perfectly illustrates the state of the cell phone balance. The money on your balance always runs out unexpectedly, and the subscription fee is withdrawn precisely when the balance is close to zero. If you use MTS cellular communications, then this is not a problem, since at any time you can top up your phone balance with credit, or take advantage of other opportunities so as not to be left without communication at the most inopportune moment.

Today we’ll tell you about MTS services, which open up the opportunity to use a cell phone when the money on your balance has run out and you can’t top up your account.

How to borrow from an operator

The simplest option to quickly top up your cell phone balance when you have a minus is to borrow money from MTS. Despite the ease of replenishing your account in this way, there are some limitations to the “Promised Payment” service. The main one is that the number must be serviced in the operator’s network for more than two months, and you can borrow it if the balance of the MTS number is not lower than minus thirty rubles. You can also always borrow 50 rubles from MTS on your phone if you have a positive balance.

You can also borrow money from MTS for a period not exceeding three days, and you can borrow from the operator no more than eight hundred rubles. This may not be convenient if the monthly fee for the tariff exceeds this amount.

Of course, not every subscriber, and not in every situation, this service can help avoid blocking, since the minus may be greater than the limit allowed for the subscriber. However, it is set in an amount that exceeds the subscription fee according to the tariff for most subscribers. This is due to the fact that MTS determines the amount that can be borrowed on a phone number based on the subscriber’s costs.

You can borrow from MTS more than once, but connect several payments. In this case, several factors are taken into account. The total amount of such payments should not exceed the permissible limit for the telephone number. Also, each of them has its own return time. If one of your payments is late, your number may be blocked.

The cost of the service is determined by the amount that the subscriber can borrow into his MTS account. The user can independently choose which amount should be credited to the balance. You can borrow up to 30 rubles from MTS for free.

There are several ways to activate payment charging, and the subscriber can independently choose the one that is more convenient for him in each specific situation.

As you can see from our table, it is possible to activate the service and borrow money using your MTS number, using the Internet through an application or website, or using a command from the phone, or calling the loan number.

Alternative options

“Promised payment” allows you to quickly top up your balance in any situation if you can’t do it quickly in the usual way. But what to do if you need to use the service often, and you don’t want to overpay by connecting such an option?

The most convenient option for using your phone without having to constantly monitor your balance is the ability to take out a loan on MTS. This opportunity is available to anyone who has been using the operator’s number for more than three months and spends more than two hundred rubles per month on services.

“In full confidence” allows you not to worry that the money will run out unexpectedly, since you can use your cell phone on credit on an ongoing basis. The main thing you need to do is to prevent your number from being blocked. To do this, it is enough to pay the invoice issued by MTS for the services provided by the 24th day of each month. You can take out a loan on MTS and check your limit both on the website and via SMS using the command *132#.

This service is also convenient for the operator, and even offers additional privileges when connecting to it. After activation, sixty points are credited to the loyalty program.

The limit for this service is set based on the subscriber's costs. The amount of the monthly bill increased by twenty percent is the amount of the loan that can be obtained.

Considering that the operator recalculates the limit by number every month, it can be fixed at a certain value. You can do this either on the website or from your phone without an Internet connection.

The operator also has several services that will allow those who are not used to taking out loans to stay in touch and use communication services on credit. This is also an opportunity to ask another subscriber to top up the balance of the number, or to call back.

Conclusions

Now you know that it is difficult to remain without communication using an MTS number, and if the money on your balance runs out. You can use either a service that allows you to borrow money from the operator or use a credit form of payment.

The first option is available to any subscriber, regardless of how much is spent per month on a cell phone. The only disadvantage is that you have to pay an additional amount for using the service. The credit payment system is provided free of charge to everyone who spends more than two hundred rubles a month on a phone.

The problem of a negative balance can cause a lot of trouble. It’s good if there is a payment terminal within reach, and you can quickly top up your account. Unfortunately, this is not always available, but the problem can be solved in another way - by borrowing some money from the operator or from friends. How to borrow money from MTS will be discussed in this article.

MTS “Promised payment” service

The MTS service is the very first thing you remember when your phone suddenly runs out of money. This is the easiest and fastest way to borrow money on MTS.

You can use the “Promised Payment” if your account balance does not exceed minus 30 rubles.

By activating the “Promised Payment”, you will receive an amount of up to 800 rubles for a period of 3 days.

How is the “Promised Payment” amount calculated? It's simple: the more you spend on communication services per month, the more money the operator is willing to lend you.

For communication service expenses up to 300 rub. per month the amount of the promised payment will be 200 rubles. If your monthly expenses are from 301 to 500 rubles per month, you can count on an amount of 400 rubles. If every month you spend more than 501 rub., then you can borrow from MTS 800 rubles.

The “Promised payment” service is paid. Depending on the amount credited to your account, the operator charges a commission from 7 to 50 rubles.

You can borrow money from MTS using the “Promised Payment” in one of the following ways:

Send a USSD request ✶ class="num">111 ✶ 123 # .
Call the short number 1113 and follow the instructions from the auto-informer.
In the “MTS Personal Account” ( login.mts.ru). Login to section "Payment" and select a subsection "Promised payment".

“In full confidence” service

By connecting to the service "In full confidence" from MTS just once, you will no longer have to worry that when you reach a zero balance, you may suddenly be left without communication. The thing is that this service provides an additional limit of 300 rubles. So you can safely continue to use the operator’s services until your balance reaches minus 300 rub.

The “On Full Trust” service is provided absolutely free of charge - there is no subscription fee or connection fee, which is a definite advantage compared to the “Promised Payment”. And if you use the “On Full Trust” service for 6 months, the operator can increase your limit by 50% of your monthly communication costs.

Sign up for the “In Full Trust” service you can use the USSD command ✶ class="num">111 ✶ 32 # or in the MTS “Personal Account” (in the “On Full Trust” section, subsection “Limit Management”).

If you are afraid that over time the limit available to you may become prohibitively large and you will not be able to pay it off, then I hasten to please you: the “On Full Confidence” service allows you to fix your limit or resume recalculating the limit depending on expenses. To do this, you just need to send a USSD request from your mobile ✶ class="num">111 ✶ 2136 #.

When you activate the “On Full Trust” service, the payment method changes to credit. This means that now you will need to pay for mobile communication services once a month, according to the invoice, otherwise your number will be blocked!

Alas, not every subscriber is given the opportunity to borrow money from MTS in this way. The thing is that MTS has established some conditions for providing the option:

timely and full payment for mobile services;
the period of use of mobile communication services is at least 3 months;
monthly communication expenses are at least 300 rubles;
no debt on other personal accounts in MTS.

In addition, the “On Full Trust” service is not provided to subscribers of the “Cool” and “Your Country” tariff plans, as well as the “Guest”, “MTS Connect”, “MTS iPad”, “Smile+”, “My Friend” tariff lines, "Base".

How to borrow money for MTS from friends?

Until recently, MTS operated the “Direct Transfer” service, when you could top up the balance of another MTS subscriber by simply transferring money from your account to his phone account using a regular USSD command. Unfortunately, this service is not available today, and you will no longer be able to borrow MTS from friends in this way.

As an alternative, the operator suggests sending a request to top up your account to one of your friends or relatives, and then just hope for his responsibility and wait patiently until he can top up your balance (either from his credit card via Internet or SMS banking, or through a terminal payment, or some other method).

It’s good that this service is free, does not require a connection and is available both in your home region and in roaming, and you can send a request to top up your account to the mobile phone of any operator (not only MTS, but also Megafon or Beeline).

To send a message to a friend with a request to top up your phone balance, you need to dial the USSD command from your mobile phone ✶ class="num">116 ✶ number #.
“Number” is the phone number of the subscriber to whom you are sending the request. It can be dialed in any format: 9101234567, +79101234567, 89101234567 or 79101234567.
In the request you can also indicate the amount by which you need to top up your balance. To do this, dial a USSD command of the form ✶ class="num">116 ✶ number ✶ class="num">amount # .

The subscriber whose number you specified in the request will receive an SMS message with the text: “Please top up my account.”
Another way to ask a friend to borrow money is to send a request to top up your balance through the mobile portal ✶ class="num">111 # and selecting the “Top up my account” menu item. Or you can use the direct command ✶ class="num">111 ✶ 7 # .

But what if you need to make an urgent call and you can't afford to wait for your friend to top up your phone? All that remains is to use the “Help out” service and call at the expense of another subscriber.

How to make a call at the expense of another subscriber? “Help out” service

I think you will be pleased to know that there is a way to make a call or send an SMS in case of emergency, even with a zero or negative balance.

The “Help” service will help you with this. Using it, you will be able to call MTS subscriber numbers (as well as send SMS in your home region) at their expense, and it won’t cost you a penny.

There are two ways to call another MTS subscriber at his expense:

Dial 0880 and after the autoinformer answers, enter the number of the called party in 10-digit format (without 8 or +7).
Dial 0880 number (the subscriber number should be dialed in 10-digit format).

After this, the called party will receive an incoming call. If he answers the call, the autoinformer will offer him to accept the call at his own expense. If the called subscriber is busy or unavailable, he will receive an SMS message asking him to call back.

To send SMS to an MTS subscriber at his expense, you need to enter the subscriber number with the prefix 5880. After receiving the recipient's consent, the SMS will be delivered at his expense.

The “Vyruchai” service is available even in international roaming. This can be incredibly useful if, while in a foreign country, you suddenly find yourself in an unpleasant situation, or without money in your pocket, or simply don’t know how to top up your phone balance.

In order to call another MTS Russia subscriber at his expense while in international roaming, dial the USSD command: ✶ class="num">880 ✶ number #. Dial the subscriber's number without 8 or +7.