The telecommunications company MegaFon provides its customers with a convenient opportunity to stay in touch and use all the necessary mobile services, including the Internet, even if there is no money in their personal account. For this purpose, special financial options are provided: “Automatic promised payment” and “Pay when convenient” (the second name is “Credit limit of trust”), which provide the user with a loan of funds for a certain period or a preferential threshold for blocking a number, allowing the balance to go negative.
Despite the usefulness and convenience of the services, subscribers are often interested in how to disable the provided limit on MegaFon in order to get rid of additional payments and simplify the task of controlling the mobile budget without the risk of overspending.
The Internet assistant Tarif-online.ru examined in detail the features of the “Promised Payment” in a separate thematic review, which can be found here. In this article we will provide information about, tell you how to disable a personal limit on MegaFon in various ways and what needs to be done to reactivate it.
Features of credit of trust from MegaFon
The service is provided free of charge for all subscribers who are individuals, provided that the “Promised payment” option is not active on the number. Please note that business customers cannot use Pay When You're Convenient under any circumstances.
The main feature of the option is to provide the user with a loan, the amount of which determines the degree to which the balance goes into the negative while maintaining access to all communication services.
The maximum amount of the limit provided is calculated by the operator personally for each client. To do this, the subscriber's length of service (90 days or more) and the average cost of communication services for the previous three months (at least 170 rubles/month) are taken into account.
It is important to know that the formal presence of borrowed funds does not change the actual negative status of the balance, so the user will not be able to use the option of transferring funds from phone to phone and conduct transactions in the Mobile Payments service, which uses a personal account as an electronic wallet.
The amount credited by the provider may exceed average monthly expenses by 80%. For example, if a subscriber spends on average 400 rubles. per month, he can count on a limit of 720 rubles. Depending on changes in actual expenses, the provider recalculates the trust credit on a monthly basis, reducing, increasing or leaving it unchanged.
Repayment terms of the “Credit of Trust” from MegaFon
The presence of the option on the phone changes the standard display of balance information, which is called by USSD verification requests *100# or *550#. Now, in addition to the amount of own funds, the subscriber will be able to see the available limit size and the deadline for its repayment.
In this regard, the operator does not rush subscribers, allowing them to complete payments for the previous period at the beginning or end of the current month. This is usually the 6th, 21st or 26th. To top up your balance with a sufficient amount, you can use both the usual methods and send money from another MegaFon number.
What is a provided limit?
The provided limit is an opportunity from Megafon that allows you to freely use communication services despite a zero or negative balance.
Usually, when this happened, the use of communications was limited; now you can call, exchange SMS, and go online. Official name . It gives subscribers a credit score that is automatically calculated from the subscriber's expenses for the last three months. Then the amount increases.
By the way, there is an alternative, but it will not be possible to activate both at the same time.
How to disable the limit on MegaFon
The provider has provided several options for canceling the service so that the user can easily optimize the SIM card settings, regardless of the circumstances, subscriber experience and level of technical knowledge. To disable the trust limit on MegaFon, you can use:
- special USSD command:
- SMS messages to service numbers;
- online self-service services;
- call to the operator;
- visit to the nearest MegaFon communication store.
Let's look at each of them so that you can consciously choose the optimal algorithm of action.
How to disable MegaFon limit on your phone by command
One of the most universal options for refusing the option, which is suitable for any device with an operator SIM card, including outdated phones, is to send a special command request. To reliably and quickly turn off, dial the short combination *550*1# on the keyboard and confirm the action by pressing the call button. If you are not sure that deactivation was successful, check your balance using the command *100# or *550#.
The situation when the display shows only the amount of the available account balance and there is no additional data on the size of the provided trust limit is a direct confirmation of the correctness of your actions.
How to disable the credit limit on MegaFon via SMS
An equally simple way to deactivate the service is to send an SMS message with the number 2 to a separate service number 5050. If in response to this action you do not receive a notification about deactivating the option, and checking the balance shows the presence of additional information about the limit, you can send an SMS with the text Please disable Pay when convenient to another short number 0500.
Please note that this same phone number is used to call the customer service center if you want to cancel “Pay when convenient” with the help of a MegaFon specialist. In addition to the 0500 number, you can use the alternative telephone number 0500559 for direct communication with the operator.
The main disadvantages of this method are difficulties with dialing and the need to voice passport data to go through the procedure for identifying the owner of the SIM card. Providing a passport is also an integral attribute of a visit to the provider’s office, since the consultant has the right to change the settings of the mobile number at the request of a third party only if he has a properly executed power of attorney.
How to disable the provided MegaFon limit through your personal account
The online self-service service becomes available after registration on the operator’s website and provides the subscriber with ample opportunities:
- number management;
- replenish your balance in a convenient way;
- ordering cost details;
- account status control, etc.
A mandatory service option is a simple mechanism for connecting and deactivating services.
To disable the provided MegaFon limit through your Personal Account, you need to sequentially go to the “and Basic” menu items. After this, a list of options will become available to the subscriber, among which you need to find “Pay when convenient” and deactivate it by clicking on the “Disable” button.
If you have not yet logged in to the MegaFon website, read our review article “How to use your MegaFon Personal Account.” Please note that the service interface is optimized for use on a computer. To conveniently use the client environment on a tablet or smartphone, you will need to install the free MegaFon utility into the main memory of the device. Personal Account", which is available in versions for Android, Windows Phone and iOS. Due to the complete identity of the menu, disabling the limit service is similar to the algorithm described above.
Loan terms
The maximum amount a client can count on is 1300, the minimum is 100 rubles. Debt repayment time is from 3 to 7 days. To whom, how much and how much credit is given on a megaphone:
- owners of tariffs without connected Unlimited Internet can count on an amount from 100 to 300 rubles, which must be returned within three days;
- Owners of the Unlimited Internet service can also borrow money for temporary use from Megafon for a maximum of three days, however, you can borrow up to 1,300 rubles;
- VIP clients have the right to receive a loan for 7 days with a maximum amount of 1300 rubles.
In order to become a VIP client, you must spend at least 3,000 rubles per month on one Megafon number.
It is worth considering that you can take credit from a megaphone for an amount that, when topped up, will be at least 30 rubles in your account.
The promised payment must be returned within the specified period. Otherwise, the number will be blocked until the debt is repaid.
How to connect credit of trust on MegaFon
Activation of the “Pay when convenient” option is implemented on the operator’s website. To activate the service, the same methods are used as to refuse it:
- USSD request *550*1#;
- SMS messages with the text Please connect credit to the short number 0500;
- SMS with the number 1 to service number 5050;
- Personal account or MegaFon mobile application;
- call the call center at 0500 or 0500559.
You can expand the list of options used at your nearest operator’s communications store.
Please note that the provider does not limit the number of free connections and disconnections, so you can always optimize your number settings without the risk of additional costs.
How to use limits
The resulting debt is paid using a bank card, ATM, or using your personal account by depositing money from electronic wallets. By the way, the operator will notify you of the debt. You will receive an SMS on the 21st and 26th, with the amount indicated for payment and the payment deadline. Upon expiration, the number will be blocked and activated after the debt is repaid. And also the limit will constantly grow, that is, the more money you spend, the higher it will become. You can find out your account balance by entering the USSD request: *100#. Three indicators will be displayed:
- The general indicator, that is, the limit along with the balance.
- The amount of the loan provided.
- Balance - money on the account number.
does not require money from subscribers for use. The debt is written off when the balance reaches zero.
How to check if the service is activated?
Before you try to disable an unnecessary service on your phone, you first need to check its availability on this number.
You just need to check your balance (*100 #).
If the option is enabled on the number, the balance will be presented as follows:
Available: amount;
Limit provided: amount;
Balance: amount.
If the number is not connected, then upon request only information about the current balance will be received.
If , was connected, then it can be easily disabled in the subscriber’s personal account.
Disable in your personal account
If you don’t have a personal account, you will need to create one on Megafon’s official website.
Instructions:
- In your personal account, you must select the “ Services and options ” item.
- Next you need to find the “ Additional Services ” section, and then the “ Basic ” subsection.
- In the selected section, you can either enable or disable the limit. Both actions are free. Therefore, if after disconnection a person changes his mind, he will be able to reconnect the service without any problems. This operation can be performed many times. There is no limit on connecting and disconnecting the option.
There is no subscription fee for the limit on Megafon. Borrowed funds will be written off if the balance becomes negative. Thus, if a person tops up his phone account in a timely manner, then he does not necessarily need to disable this function.
To whom and how is the limit granted?
Before you disable the provided Megafon limit, you should know how to connect it. The option is available to all owners of the company’s SIM cards in the Russian Federation, regardless of region and locality. However, it can only be connected if certain conditions are met:
- the card must be activated for more than 90 days;
- the limit amount is calculated based on the client’s average expense ratio over the last 3 months;
- For calculations, data about other connected options is also used.
To connect to the service, the subscriber will have to send an SMS with the number 1 to number 5050 (or to 0500 with a request to connect). The issue can also be resolved by calling the help desk number 0500. In the latter case, mobile operator consultants will help with the connection.
Debts under the limit are paid by replenishing the account from bank cards, ATMs or electronic wallets (method available from the Personal Account). The subscriber receives a message about the need to repay the debt on the 21st and 26th. Late repayment may lead to blocking of the number; the amount paid on time, on the contrary, increases the loan amount. There is no additional payment required for using the limit.
Questions from subscribers
We will give answers to several important questions that Megafon subscribers have about this service.
How to reduce the provided limit on Megafon?
The eligible loan amount is dynamic. There are three aspects that influence it:
- Amount spent by the subscriber over the last 3 months.
- How long has the subscriber been using the SIM card? The longer, the higher the operator’s confidence.
- The current tariff, options and services connected to it.
So the loan amount can constantly change and become either smaller or larger.
How can I find out how many limits I have?
This can be done by entering the USSD command to verify the account *100# or *550#. By the way, now the account balance will be presented slightly differently: first of all, the total available amount will be shown, then the size of the limit (the amount of the loan provided to you) and the money in the subscriber’s account. In general, it is very simple to find out the limit and you do not need to perform any additional or complex actions.
For subscribers of the Megafon operator, in addition to , a trust credit limit is provided. Now this option is called “pay when convenient.” If you registered a number with Megafon more than 3 months ago and spend 170 rubles or more on monthly calls, then you can count on a preferential deactivation threshold.
This means that you continue to use communication services even if your balance goes into minus. The option provided allows you to pay off the minus on your account at the end of the month.
The Megafon operator, which provides credit funds, calculates the threshold amount individually. This figure can reach 180% of the average monthly communication costs. The option is not available if the “promised payment” is enabled.
Also, it is impossible to use a loan when connecting to a corporate connection. In general, customer feedback about the credit option on the balance sheet is positive. True, there is a category of clients who, for one reason or another, want to disable the provided limit on the megaphone and use only their own funds on the phone.
Who can use the Trust Payment service?
Before moving on to the description of the methods that allow Megafon to either accept or completely disable a trust payment, it is worth telling who the service is available to. The service is available to subscribers who have been using the services for more than 3 months. At the same time, there should be no negative balance on the balance at the time of connection. With basic packages you can borrow a maximum of 100 rubles. The available limit for other subscribers is 300 rubles. In order to activate the option, you can write an SMS to phone 0006, where you enter the required payment amount, call the same number or use the USSD service *106#. The latter option can be used even while roaming.
