How much can you borrow on MTS? How to top up your MTS account with debt

You have zero in your account or you don’t have enough funds to make a call, but you urgently need to make a call and have nowhere to send money? In this article we will look how to borrow money from MTS using the promised payment service if the account has a minus, zero or there are not enough funds to make a call. There are several methods and commands that allow you to quickly borrow money from your phone on MTS; we will also look at the basic requirements for a trust payment.

The MTS "Promised Payment" service is an opportunity to quickly borrow money to MTS subscribers for 3 days in the amount of up to 800 rubles. If your balance is minus up to 30 rubles, then you can also use this service. For those who have a positive balance, they can quickly borrow 50 rubles. If your monthly communication expenses are above 500 rubles, then the amount of the promised payment can reach up to 800 rubles. To prevent the number from being blocked, you need to top up your account in a timely manner within three days after you borrowed money with a trust payment.

How take the promised payment to MTS. There are three ways, and you can also set the payment amount yourself.
1) Dial on your phone the following command “*111*123#” and the “Call” button.
2) Call number "1113".
3) Use your personal account at the office. MTS website in the "Payment" section, subsection "Promised payment".
You can take the promised payment if your account balance is minus up to 30 rubles.

How much is the promised payment?.
- No commission is charged up to 30 rubles.
- From 31 to 99 rubles, the commission will be 7 rubles.
- From 100 to 199 rubles, the commission will be 10 rubles.
- From 200 to 499 rubles, the commission will be 25 rubles.
- For more than 500 rubles for a service, the promised payment from MTS will be charged 50 rubles.
- The service fee is debited upon expiration in excess of the payment amount.

How much money can you borrow on MTS?.
- For those who have a positive balance, an amount of 50 rubles is always available.
- For subscribers who spend up to 300 rubles per month, the amount of the promised payment can reach up to 200 rubles.
- If you spend from 301 to 500 rubles on communications, then you can pay up to 400 rubles.
- Do you spend more than 500 rubles a month? receive a loan from MTS to your account up to 800 rubles.
As you can see, the payment amount depends on the amount spent per room per month.
You can borrow money from MTS if you have a negative balance if you have up to minus 30 rubles in your account.

There are three ways to view payment information.
1) Dial on your phone the following command “*111*1230#” and the “Call” button.
2) Call number "11131".
3) Use your personal account at the office. MTS website in the "Payment" section, subsection "Promised payment" and "History of promised payments".

The loan money service on MTS is available to subscribers of all tariff plans, except for the “Guest”, “Your Country”, “MTS iPad” and “Basic 092013” tariff lines. Information about the “promised payment” service, connection methods and costs is indicated at the time of publication of the article.
- Conditions for connecting to the service.
- The MTS subscriber does not have the “On Full Trust” or “Credit” services activated.
- The number does not use the method of payment for services through deferred payment.
- There is no valid “promised payment” on the number (except for the case when an additional “promised” payment is available to the subscriber).

Hope you found the information how to borrow on MTS.
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Thank you for your responsiveness, mutual assistance and useful advice!!!

Information about the service on the page www.mts. ru/mob_connect/ services/opportunity/promised_payment

Everyone has encountered a situation where the balance on the phone is less than they would like, and there are no means of replenishing the account nearby or there is no financial opportunity. It is in such a situation that you can take the promised payment to MTS. This is done very quickly, just type one command in the mobile menu to top up for a certain period of time.

Method for connecting the promised payment to MTS

There are several options for connecting the promised payment. The subscriber independently chooses which method is more convenient for him to receive a loan on his phone balance.

To borrow an amount from your balance, you need to use the USSD command in the phone menu: *111*123# and press call.
You can install the service through your personal account on the MTS website. In the “Options” section, you must select “Promised payment”.
By calling 1113 to connect a trust payment, following the voice instructions.

The promised payment is a loan of funds within a specified time. During this time, the user must put money on the phone, thereby returning it to the MTS operator. As a rule, the subscriber is given a week to make a payment to the phone account. It is advisable that the deposited amount exceeds your debt, so that there are funds left on the balance to make calls. If payment has not been made within a week, your account will have a negative balance and possible temporary blocking of calls until the next top-up.

You can choose the type of promised payment that is most convenient for you. If the borrowed funds are less than 30 rubles, then the debt will be provided free of charge. You can take another amount over 30 rubles, but you will be charged a commission of 7 rubles.

The longer a client uses MTS services, the higher his trust payment will be. It also depends on the activity of using the services of the selected cellular operator. If your monthly expense is no more than 300 rubles, then the maximum possible debt of the promised payment will be no more than 200 rubles. For monthly expenses of up to 500 rubles for all MTS services, the maximum trust payment will be 400 rubles. If you spend more than 500 rubles, you can borrow up to 800 rubles.

Your MTS tariff plan must also match the capabilities. For example, users of the “Guest”, “Your Country” and “MTS iPad” tariff plans cannot borrow the amount.

To check the validity of the promised payment, you need to dial the command in the mobile menu: *111*1230# or find out information by phone number 11131. You can also find out details about trust payments through the “Internet Assistant”.

MTS is the largest customer-oriented company that offers a convenient range of services. Financial customer service is also offered, which is characterized by the absence of unpleasant bureaucratic problems. Services aimed at providing lending opportunities are available to all clients of the company on fairly simple terms.

How to borrow from MTS

A differentiated form of calculating a possible loan is used; there are also several services of so-called short money, which are provided on a paid basis when you enter a certain command.

You can borrow money from MTS Russia on your mobile phone using the following services, which will be useful in cases where your personal account is empty:

“In full confidence” service (is free);
“Promised payment” service;
“Help out” service, which allows you to send a free message asking for account replenishment.

The operator automatically provides funds to active subscribers who have fully repaid previous loans, and also regularly use and pay the cost of communication services. As an additional option, you can use the financial services of MTS Bank, which issues cards with a credit limit.

Let us remind you that MTS also has such a pleasant service as MTS Bonus, which allows you to accumulate bonuses and use them to pay not only for communication services, but also for some goods in MTS partner stores. When spending from an MTS Bank card, there is also a fairly high cashback, that is, money is returned to the card when paying for certain goods and types of services.

MTS service “In full confidence” - take out a debt from 50 to 3000 rubles

The “In Full Trust” service is specially designed for those subscribers who actively use communication services. When connecting to this service, the user can use MTS communications and services on credit. The amount of a possible credit limit can vary from 50 rubles or more, it depends on the average monthly spending on communication services over the last six months.

With full confidence from MTS

You can disable the service using the following commands.
How to take the “Promised Payment”?
As express cash assistance, you can use the “Promised Payment” service, available in all tariffs except guest ones. Its essence is to credit funds after sending a request command. This amount may increase over time and depends on the number of requests made by the subscriber. Please note that funds are provided for 3 days, during which the debt must be repaid.
How to activate the service - this can be done in three ways:
using the short command *111*123# ;
visit your Personal Account in the My MTS application and the “Payment” section;
connect by calling the number.

How much money can you get and the cost of the service:
The minimum amount available to subscribers within the “Promised Payment” service is 50 rubles. It increases depending on the activity of using telecom services and is provided on a paid basis. The accrual amounts are shown in the table:
The cost of the service depends on the amount charged. Moreover, the subscriber can use both the maximum amount to pay for services and indicate the required one.
The cost of the service depends on the amount requested, so you can get only the necessary funds for calls, and then top up your phone. You can request a certain amount using the following example: *111*123#50, where “50” is the requested amount. If your request exceeds the allocated limit, the company will charge you the allowed maximum.
How to find out the current status of a service
You can find out information about the service in the following ways:
using the command *111*1230#, usually the balance amount includes service fees;
Find out about the status of the service in the “Payment” section, and then go to “History of promised payments?”
by number

If you need funds, you can always use MTS Bonuses, the existence of which is often forgotten by subscribers because they do not use their Personal Account. This program allows you to accumulate bonuses and spend them on communication services and purchases at MTS stores.

A negative balance on your phone can happen at any time, but you don’t always have funds available to quickly top up your account. There is a way out - borrow a small amount from a cellular company or, but first you need to find out how to borrow from MTS?

Promised payment

If the subscriber does not have enough money, then activating the “promised payment” from MTS is considered a simple and convenient option to take funds. The service allows you to borrow with an account balance of no more than minus 30 rubles. When connecting, the company will provide money up to 800 rubles for three days.

The amount of money depends on the number of days of cooperation with MTS and the cost of calls. If spending works out up to 300 rubles, then you can borrow 200 rubles. When spending from 301 to 500 rubles, MTS will provide 400 rubles. More than 501 rubles allow you to borrow 800 rubles.

Important! MTS trust payment is paid. The amount of the additional payment depends on the size of the debt and will be about 7-50 rubles.

The company provides the following options for borrowing:

USDD request *111*123#call.
Call number 1113. The auto-informer will tell you what to do next.
On the official website of MTS. The service is located in the “Payment” tab.

"In full confidence"

The “In Full Trust” service will help you not to worry about losing access to calls if you don’t have money. Once you activate it, you will forget about the negative balance and unavailability of communication. The service allows you to go into the red by up to 300 rubles, which helps you make calls from your SIM card when you reach this limit.

The service is free. You can borrow from MTS without additional payments, which is considered a significant plus in relation to the “promised payment”. Another advantage is the possibility of increasing the limit by 50% of the monthly cost of calls six months after signing the contract. Enable the option and borrow money using the following methods:

USDD command *111*32#call
On the MTS website, open the “In Full Trust” tab, then “Limit Management”.

If after some time the amount of funds provided becomes too high and you will need to borrow money in smaller quantities, then you can limit the upper threshold of available funds. If necessary, cancel the settings and return to the previous ones. To do this, send a USDD request from your phone *111*2136#call.

Comment! When the service is activated, the bill payment method will change to credit. Now you need to pay off the debt once a month, depending on the repayment amount. If payment deadlines are not met, the account will be suspended.

MTS does not provide a chance to borrow money to all subscribers. List of restrictions:

payment without delay and in full;
be an MTS user for more than three months;
the amount of money deposited is at least 300 rubles for each month;
no debts under MTS agreements;
SIM cards with connected tariffs “Guest”, “MTS Connect”, “MTS iPad”, “Smile+”, “Basic”.

How to ask friends for money

Previously, MTS had the opportunity to send money as a loan to the required number using a USDD request. Now there are no options left and borrowing from friends or relatives by simply sending funds from one number to another will not work.

As a backup option, MTS helps you borrow funds by sending a message to one of the people in your contacts. This is not very convenient because you have to hope and wait for a person to be able to pay your bill through a bank card, terminal or mobile bank.

The service does not require payment or activation and works in all areas. You can send an SMS message to a subscriber of any mobile operator, for example, Megafon, Tele2 or Beeline. MTS allows you to borrow money from a friend in several ways:

To pay a friend's cell phone bill, dial from your cell phone USDD request *116*number# call. Where the number is the mobile number of the person who will receive the refill request. You can dial numbers in any convenient way: 910ХХХХХХ, +7910ХХХХХХ, 8910ХХХХХХ.
You can send a request with a specific amount using the command *116*number*amount# call. For example, *116*8910ХХХХХХ*100#, where the number is the telephone number of the subscriber who must pay the bill, and 100 is the amount of money to be replenished. The person will receive a message like: “Please top up my account in the amount of XXX.”
Another option to borrow is to use a special mobile portal *111# call. After entering the USDD command, select the “Top up my account” field. If you don’t want to search for the required line, you can use a direct request - *111*7# call.

“Help out” service

MTS helps you make an urgent call and not have to wait for a friend to pay your cell phone bill. The “Help out” option will help you make a call at the expense of another client. The service will also help you send SMS. The service works with zero and negative balance.

By using “Vyruchai”, it will be possible to call a borrower to an MTS client’s phone at his expense completely free of charge. The option to send SMS is only available in the home region. There are two options to call a subscriber for his money:

Make a call to the short number 0880. After waiting for the robot to answer, enter the number of the required person in 10-digit format, without using +7 or 8.
Dial 0880 and immediately the subscriber's number. The phone is also dialed without a country code. For example, 0880910ХХХХХХ.

The person will receive an incoming call that needs to be answered. The voice of the autoinformer will report a request to use his account to make a call to another subscriber. If the user does not pick up the phone or does not see the call, he will receive a message asking him to call the debt.

To send SMS at the user's expense, send a text indicating the mobile number to 5880 in the format 5880ХХХХХХХХХ, where X is the client number in 11-digit format. Any MTS client can accept this, except for users of the “Vyruchai” tariff plan.

This option can be used while abroad. If you suddenly run out of money on your balance, this will be very useful. To use the service while in a foreign country, dial the command: *880*number# call. The MTS subscriber number is dialed in 10-digit format without a country code.

With the help of banking and microfinance organizations

Recently, it was possible to borrow money by ordering a transfer to the balance of a mobile phone, but the service was not popular. The owners of the IFC have found a way - lending to a bank card, Qiwi wallet or Yandex.Money.

This method has become more widespread. Among the important aspects are affordable conditions and expedited processing of borrowed funds without a visit to the MTS sales office and microcredit companies.

Comment! The balance is paid through EPS (electronic payment systems) or bank cards without additional fees.

Conditions for receiving money

Regardless of the purpose for which the loan is planned, read the terms and conditions of the loan. To top up your mobile account or just for your own purposes.

Important! Money borrowed through the site does not require searching for guarantors and providing property as collateral, but the absence of special requirements does not allow one to count on large sums.

How much can an MTS subscriber be credited for:

When submitting an application to a telecom operator - up to 30,000 rubles.
In microfinance organizations - up to 30,000 rubles - 30 days. Up to 60,000 - 100,000 rubles for a loan of up to six months.

When submitting an application for a loan, it is important for the subscriber to read the agreement listed on the MTS website on the Internet. Most options allow you to charge from 7 to 50 rubles, except for the “In Full Trust” service.

If you send an application to a microfinance organization, you will have to pay for all days of using the debt funds. The amount of interest accrued depends on the organization, terms and days of the loan. Base interest rates:

up to a month - 1-2.2% per day;
more than a month - 0.2-0.8% per day.

Important! MFOs may apply additional fees to basic payments. Be sure to check this point when applying for a loan.

Organizations providing loans impose insurance policies, but it is possible to refuse them. The money provided by the IFC can be used not only to pay the cell phone balance, but also for any necessary purposes.

Requirements for borrowers

There are no special conditions for borrowers. There are a few small notes that must be observed. In order to borrow funds from MTS, it is enough to use the number for more than 100 days, have no debts under all contracts and not activate the “On full confidence” option, then microloans have slightly different conditions:

Citizens can borrow money upon reaching the age of 18. Such rules are established by Russian legislation, but many organizations require 20-23 years of age to reduce the risk of non-return.
Have permanent registration.
Having a permanent job to be able to pay debt and interest.

When applying for a loan using the websites of organizations, the region of residence and registration does not matter. IFCs issue loans in all regions. Having an official job is not required; it is important that the income helps to fully pay off the debt. This adds the opportunity for those working from home and retirees to take money.

Offers from microfinance organizations

Many organizations provide loans to MTS users. The rules and methods of receipt differ everywhere in terms of accrued interest and some other parameters.

It is not always possible to find suitable conditions for obtaining a loan on your own. There are services on the Internet that select ideal conditions for obtaining a loan.

Important! When taking into account a possible overpayment on a loan, you should take into account additional payments that affect the amount of money that can be borrowed.

There are constantly a large number of fraud cases related to online loans. Passport data can easily be used by third parties, and money can disappear from a bank account.

In order to prevent such situations, it is important to use only reliable companies that have the necessary permits.

A few more ways

MTS users have the opportunity to borrow using simple methods. Receiving a loan takes from a few seconds to an hour. If you try to take larger amounts, you will have to wait up to 24 hours, due to the fact that the IFC will check the client’s information in more detail.

Loan options available today:

MFK - using the network to a bank card or wallet on the network.
Borrowed money from a mobile operator.
Options provided by MTS.
Take a loan from MTS Bank.

Through the Internet

You can simply go to the website of a microfinance organization and borrow money. The transfer of money will take place via the network. The process of drawing up a loan agreement:

go through the registration procedure on the selected MFO website and fill out the form;
choose convenient conditions and rules;
wait for the decision on the questionnaire;
sign an electronic contract and borrow funds using an affordable option.

When filling out the application, you must enter your cell phone number and personal information. A special code will be sent to the phone, and then access to the client’s page will appear, where a form will be filled out to confirm the contract.

In addition to your passport, you are required to fill out information about your place of employment or other ways of earning income and contact numbers. It is important not to forget to indicate the method of loan delivery and the required loan amount.

The decision comes within an hour upon the first application, further ones are confirmed much faster. For comparison, it is worth looking at the conditions of the largest microfinance organizations:

Zaimer. A robotic system is responsible for issuing funds on loan. Rate 1-2.2% up to 30 days. Amount - up to 30,000 rubles.
One Click Money. They lend money to almost every person. 2-2.2% up to 21 days. Amount up to 25,000 rubles.
SMSFinance. Reduce loan interest if there are no delays. 1.6% up to 30 days. Amount up to 30,000 rubles.

At MTS Bank

MTS subscribers are offered special, favorable conditions when applying for a loan from a bank. Possible amount could be up to 1 million rubles at 12.9-25.9% per annum.

Receipt of money usually lasts for 3-5 years. There is an option for early repayment of the loan in full or in part. The bank will recalculate the commission, and the overpayment will become noticeably less. To submit an application you must:

go through the procedure of filling out the questionnaire and wait for a preliminary decision;
Take the necessary papers with you and bring them to the MTS office;
Receive final confirmation and sign the contract.

Receiving money takes about 3-7 days, but it is possible to get more money than when applying to an MFO, and the overpayment will be significantly lower.

To a bank card

You can withdraw funds to a bank card using all companies that provide loans remotely. Applying for a loan is no different from receiving money via an electronic wallet. When receiving funds on a bank card, clients can spend the received loan not only to pay their cell phone bill, but also for personal purposes. For example, popular services offer the following conditions:

Lime. The system is fully automated. Interest rate 0.4-2.2% up to 168 days. Amount up to 100,000 rubles.
Vivus. For those who pay the loan on time, interest reduction. Rate - 1.9% up to 30 days. Loan up to 30,000 rubles.
e-Loan. The initial application allows you to take up to 15,000 rubles. Commission - 1.5-2.2%. Amount up to 30,000 rubles.

Basic conditions of registration

Getting any loan is a very important step. The client is obliged to calculate his options in advance and be completely confident in the repayment of the loan.

Important! Failure to repay borrowed funds significantly increases the amount of debt and spoils your credit history. Obtaining new loans will become significantly more difficult.

Read the contract you sign carefully. Find out in advance the repayment deadlines and payment procedures to avoid delays that lead to damage to your credit history.

Agreement

The document that the client signs is called an agreement. It serves as a direct communication between the company and the client. It specifies the terms and conditions of loan repayment. Be sure to look at the following points:

amount received;
loan term;
interest rate;
amount of commission and additional payments;
money delivery options;
debt repayment procedure.

Applying for a loan and receiving funds imposes an obligation on the borrower to repay the debt, regardless of the method of signing the agreement. Both the signature on paper and in electronic form will have legal force.

Required documents

In order to take money onto the MTS balance sheet, the operator does not need to provide documents. The passport data was entered when signing an agreement on the provision of communication services when purchasing a SIM card. For a small amount this is quite enough.

Comment! When applying for a loan from an MFO, you must provide your passport information to verify the information entered. A certificate of receipt of the required income is not required.

Sometimes organizations require you to upload the following documents:

insurance certificate;
driver license;
certificate from the tax service;
international passport;
military ID.

When applying for a loan at MTS Bank, you must provide a certificate of income in 2NDFL format. Without this paper, you will not be able to borrow money.

Application

When submitting an application to receive funds for your cell phone balance, you should simply use your own phone. Registration takes place in a few seconds automatically, with confirmation via SMS message. If you fill out a form in order to borrow money through a microfinance organization, the procedure will be slightly different:

register on the company website;
enter personal data;
wait for a loan decision;
sign an agreement;
Taking the money you receive is a convenient option.

It is possible to take out a loan remotely, via the network. To sign the contract, you need to enter a special code that is sent to the recipient’s phone.

Comment! MTS Bank provides a chance to fill out a loan application form through the website, but to receive confirmation you must provide the entire package of documents to the bank office.

How to pay off a debt

To pay for a debt taken out via telephone, you should top up your cell phone balance. MTS will write off the required amount and money for additional payments.

Microfinance organizations indicate in the contract the dates for the payment schedule and the amounts to be paid, which are a mandatory part of the signed agreement. There are several options to pay for your loan:

send money to a bank account;
pay at the appropriate terminals;
deposit cash using mobile phone stores or payment systems;
use a bank card or electronic services.

Advantages and disadvantages

The main disadvantage of loans from microfinance organizations is considered to be high interest rates on the loan. In banks they are much lower. The additional fee for the “Promised Payment” option is also high, given its short validity period. The advantages include:

filling out a form via the website;
fast loan approval;
practically no documents are required;
possible bad credit history;
a chance to take out a loan with minimal risk of being rejected;
many payment methods.

Each person is free to independently decide whether to borrow from a microfinance organization or not, but small loans from the MTS company help you always stay in touch or call the right person, regardless of whether there is money in your account.

A request for a loan from MTS is completed in a few clicks from a mobile phone. Small commissions are allowed to anyone who wants to borrow, repayment is made by replenishing the balance.

Using the above methods helps you quickly and easily reach the desired person, top up your account or take money for personal use. The possibility of obtaining a loan with a negative balance or a blocked number is considered especially convenient.

All mobile operators allow their clients from time to time borrow money and MTS is no exception. Such services have been provided for many years, since cellular communications became available to almost all segments of the population and can be received even in very remote places.

Who hasn’t experienced such a situation when you need to make an urgent call, the account is close to zero and not a single terminal is visible in the vicinity. It is for such cases that it is possible to borrow from a cellular operator. Unlike other operators, MTS provides different loan amounts and for different periods However, in order to borrow from an MTS operator, it is often necessary to meet certain conditions.

How to borrow 10, 50, 100, 200, 300, 400, 500, 700 rubles on MTS

The simplest option for obtaining a loan from MTS is the “Promised Payment” service, available to all subscribers of the operator, but for those who joined quite recently, the amount of only up to 50 rubles is initially provided, but subsequently the limit may increase and ultimately reach 800 rubles per week. However, the limit does not depend on the time that the borrower has been an MTS subscriber, but on his monthly expenses.

To borrow 100, 200 rubles on MTS, You must spend at least 300 rubles on communication in the previous month.
Get 300, 400 rubles on MTS is possible only if the expenses amounted to 301 - 500 rubles.
If the subscriber spends more than 501 rubles, then he will be able to use an MTS loan of 500, 700 and 800 rubles.
The minimum 50 rubles is available to any MTS subscriber, regardless of his monthly expenses.

However, restrictions are imposed on the use of the service, so it will not be possible to take the next “Promised Payment” until the previous one is closed. An exception is the situation when the subscriber’s monthly communications expenses are equal to or exceed 500 rubles, but even in this case, the amount taken per week should not exceed 800 rubles. Some MTS services are not compatible with “Promised payment”, such as “Credit” and “On full confidence”, which already have negative balance limits.

All you need to do to use the service is dial a number *111*123# , then indicate the desired amount and press call. Accordingly, if you need to borrow 10 rubles, then indicate *111*123# 10 . After which you will receive an SMS confirming the activation of the “Promised Payment” service. You can also use the online assistant or call the number 1113 . Up to 20 rubles, the service is provided free of charge, but if you need to take more than 20 rubles, you will have to pay a 5 ruble subscription fee. The loan is provided for 7 days and, accordingly, during this time the subscriber’s responsibility is to deposit the required amount into the account.

How to borrow from MTS if there is a minus on the account (if less than zero, if the balance is below zero)

The “Promised payment” service will also help if the balance is below zero. In this case, the account is replenished immediately after connecting the service. But even here there are limitations, a minus balance is acceptable, but the minus cannot exceed 30 rubles, i.e. if the account has -31 rubles, It will no longer be possible to take the promised payment.
To stay in touch if your account balance is less than zero, you can activate the “Credit” service. This service allows you to talk at a minus rate of up to 300 rubles. Some MTS tariffs include the “Credit” service by default. This point is very important to clarify, because if the limit is exceeded and the invoice is not paid on time, the number will be blocked.

To activate the service you need to send an SMS with the number 1 to the number 2828 , and to disconnect, send 0 to the same number. If you have problems connecting, you can call 0890. You can also dial *111*30# and then 1 to activate the service and *111*30# then 2 to disable.
When using the “Credit” service, it will no longer be possible to take the “Promised Payment”.
Also, the “On Full Trust” tariff allows you to stay in touch even if your balance is below zero.

How to borrow more than 50 rubles and up to 3000 rubles on MTS

The limit provided by MTS in debt is 800 rubles, however, there is a tariff at which the credit limit is set by default, i.e. you don’t have to take anything, you can freely talk in minus up to a certain amount, which can reach 3000 rubles, and maybe even and exceed it.

To be able to speak in debt up to 3,000 rubles, you need to use the “In Full Trust” service. By default, the limit is set to 300 rubles, i.e. it is possible to talk up to -300 rubles on the account, however, after six months of connecting the service and provided that the bills were paid on time, the limit increases by an amount equal to 50% of the subscriber’s expenses every month on communication. Thus, if you spend 6,000 rubles a month on calls and other services, you will have the opportunity to talk in debt up to 3,000 rubles.
Of course, in order to activate the “In Full Trust” service, you need to meet certain conditions:

Be a MTS subscriber for more than 3 months.
The average credits to the account for the previous 3 months should be 300 rubles.
At the time of connection to the service, the balance must be positive and there must be no debt on MTS accounts.
The limit is increased based on the following parameters:
The subscriber pays all bills on time.
Cellular costs are constantly increasing.
The limit should increase by at least 50 rubles.

An invoice not paid on time will result in the maximum limit returning to the original 300 rubles. But immediately after repayment of debts, the limit can be recalculated again.

There are 2 connection methods:

1. Dial *111*32# and make a call.
2. Use the Internet assistant.

In the event that the subscriber’s accounts are charged for the use of various services, while he does not use cellular communications for more than 2 months, “On Full Trust” is disabled.
“In full confidence” is an excellent service for all those who spend a lot of money on mobile communication and sometimes need to talk without restrictions, seriously going into the red.