How to borrow money on MTS for a phone with a minus: 50, 100 or 200 rubles

Even the most prudent and prudent people sometimes encounter unexpected difficulties that require them to make immediate decisions. It’s good if the problem is a negative balance or lack of money on your mobile phone. In such situations, it is enough to figure out how to borrow money on MTS and calmly use the connection. This mobile company values ​​customer loyalty and is ready to meet them halfway.

The main thing is to repay the loans received in a timely manner, and then subscribers will not only not have problems with calls, but will also have the opportunity to borrow quite significant amounts into their account.

Promised payment

This is the name of the main service within which you can borrow from MTS. Its essence is that if the balance drops to zero or even a negative value, the MTS subscriber can choose the amount of the required loan, and the funds will be credited to the account immediately.

The amount of the promised payment depends on the activity of communication if you spend:

• up to 50 rub. per month - you can get no more than 50 rubles. loan;
• up to 300 rub. - no more than 200 rub.
• up to 500 rub. - no more than 400 rub.
• from 501 rub. - up to 1000 rub.

For those who spend more than 500 rubles. per month for MTS communications, a repeated promised payment is available - you can borrow while the previous one is valid, but the amount of all loans cannot exceed 1000 rubles.

For participants of the Premium service program, a premium promised payment is available in the amount of up to 1,500 rubles.

You have to pay for using someone else’s money, and in this case too: the fee for the promised payment depends on the amount of replenishment.

If you take several promised payments in a row, a commission will be charged for each of them. Not everyone can borrow from MTS; the following conditions must be met:

• The subscriber was registered in the MTS network more than 60 days ago;
• There is no debt on other MTS SIM cards;
• The subscriber belongs to the prepaid payment system;
• The “On Full Trust” or “Credit” services are not activated.

In general, the conditions are easily met, and almost every experienced MTS subscriber can take advantage of the promised payment.

Conditions for providing a credit option

If users request to replenish their balance in debt, the company reserves the right to do this under certain conditions. It is mandatory to withhold a commission (fixed fee), and the subscriber can only make a corresponding request, without changing the remaining clauses of the contract. The size of the allowed limit depends on many conditions:

• how often the consumer used the operator’s offers;
• what amounts are usually borrowed;
• how much he spends, etc.

In this case, the loan is issued for 3 days, no more than 300 RUR, an increase to 400 or 500 is possible, but on other conditions, on an individual basis. Timely replenishment is mandatory, taking into account the fee established for the use of company funds.

How to borrow from MTS and pay it back

To directly receive money to your phone balance, you need to dial *111*123#

There are several more ways:

• Connection through the “My MTS” mobile application (to do this, go to the “Bill and Payment” category);
• Call number 1113;
• In your personal account on the website.

The service can be activated with a balance of up to -300 rubles. The commission will be debited immediately from the amount of the promised payment, that is, it will be reduced by the amount of the commission.

The promised payment is valid for 3 days. This means that during these three days you must top up your account with an amount equal to the loan, plus a commission, plus the debt at the time of receipt, if any.

If the top-up amount is less, the number will be blocked and you will not be able to use MTS communication services.

Let’s imagine that you had -50 rubles in your account, and you took the promised payment of 300 rubles, the commission for which is 25 rubles. During the 3 days that the promised payment was valid, we spent another 150 rubles. You need to top up your account with at least 227 rubles in order to stay in touch when the promised payment is debited and not go back into the red. If you deposit a smaller amount, the promised payment will be repaid first, at least partially.

Subscribers of all tariff plans can take out a loan from MTS, except for the rare “Guest”, “Resort”, “MTS iPad”.

Help from a friend

Another way to become a current subscriber again is to send a request to a friend or acquaintance

to top up your account directly from your mobile account. To do this, just dial the command: *116*friend’s phone number#. Moreover, the number can be dialed in any format - starting with +7, 8 or 79.

You can ask someone for help in other ways: for example, dial *111# and in the menu that appears, click on “Top up my account.” You can also send a request directly via the command *111*7#. Having received the message, the friend will be able to transfer money to the account through the terminal, in MTS stores, or use a card.

There is still the opportunity to reach someone or send an SMS at the expense of the person you are calling

. To do this, you need to dial 0880 and, after listening to the informant robot or without waiting for an answer, enter your cell number (start with +7). To send a free SMS, dial a friend’s number, then 5880. As a result, the money for the message will be debited from the person to whom it was addressed.

Alternative - “In full confidence”

There is a convenient alternative service that helps you go “in the red” and at the same time continue to communicate until you reach a certain limit.

With this service, sudden account blocking is practically impossible, because MTS will warn you several times that it is time to top up your balance.

Main advantages of the service:

• Free connection, no monthly fee;
• Available on all tariff plans, with the exception of “For laptop”, “For tablet” and corporate;
• You can talk with a balance of up to -300 rubles at the initial stage of use and up to -800 rubles when using the service for 10 months or more, or average monthly communication costs +20%.

It is worth talking in more detail about how the credit limit is calculated.

It depends on the period of use of the service and monthly communication costs. For those who have just activated the service, a credit of trust of -300 rubles is already available. Next, MTS checks your reliability for 3 months, and after that it can increase the limit to -800 rubles. or up to an amount equal to communication costs + 20%.

The limit increases if communication bills are paid in full and on time. And in case of late payment of the invoice, it is reduced to the original value of -300 rubles.

Not everyone is comfortable with increasing the limit above -300 rubles, because this way you may not notice how much you have spent on mobile communications.

It is recommended to fix the limit using the USSD command *111*2136#

The service is available for connection under the following conditions:

• Service in MTS for at least 3 months;
• Positive balance during connection;
• Average monthly expenses for communications are at least 200 rubles;
• There are no debts on other SIM cards opened at MTS.

Important addition:

When you activate this service, the billing system changes; the connection will need to be paid once a month according to the invoice within the specified time frame. The “Promised payment”, which we wrote about above, also becomes unavailable.

If the subscriber activates the “In Full Trust” service, but does not use any paid services (SMS, calls, Internet, etc.) for a month, then the operator will disable the service and return the client to the advance (prepaid) payment method.

How to go into the red on MTS and continue communicating

Now let’s talk directly about how to activate the “In Full Trust” service. This can be done in three ways:

• By command *111*32#
• In the mobile application;
• In your personal account.

In many tariffs, the service is included by default, and it is possible to disable it if you do not want to go “in the red” on MTS, since you will have to monitor this yourself.

By purchasing this or that tariff, you agree to its terms, which may include connecting to this service. But you can always fix the limit at a minimum level, or disable the lending service.

Paying on a single invoice is very convenient. For example, you can pay for communication services in April until May 24; the operator will repeatedly remind you to pay via SMS. You can find out about debts and payment terms by command *132#

So, you should activate the “On Full Trust” service in order not to make unnecessary movements when your balance decreases: you can top it up at a convenient time without fear of account blocking (as long as you are within the limit).

Unlike “Promised Payment”, there is no fee for granting a loan.

Connection restrictions

You will not be able to connect to the service if:

1. You are a subscriber to the “Your Country”, “Guest” or “MTS iPad” tariff series;
2. You have enabled the “On full trust” or “Credit” options;
3. You pay for services using the deferred payment method.

If your service period with MTS has not reached 60 days, or you have an outstanding debt on another subscriber number on the 1st day of a given month, you can borrow money only if you have a positive balance and only up to 50 rubles.

In addition, there is also a service that allows you to stay in touch even with a negative balance. We invite you to watch a video that explains the option and how to use it in a simple and clear way:

MTS auto payment

The MTS operator has many services in case your balance is zero or minus. But why bring your account to such a state?

Replenishment can be automated if you set up autopayment—automatically making payments from a bank card.

You can set it up either according to a schedule or when you reach a threshold - for example, if you have 50 or 100 rubles left in your account, the operator will write off the amount you specified when setting up the payment from the card.

Here are the main advantages of autopayment:

• You will never be left without money on your phone and, accordingly, without communication;
• Zero commission and subscription fee;
• You can pay for your phone or the phones of your loved ones;
• You can set a spending limit on mobile communications from a bank card.

Automatic payment can only be activated in your personal account or in the mobile application, where you can link a bank card. The operator also regularly holds promotions for new users of the service, offering a discount on communication fees for a certain period.

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.

Summary

MTS, like any other major operator, allows you to borrow a little money until you can top up your balance.

To take out a temporary loan, you need to use the “Promised Payment” service.

If you enable the “On full trust” option, the balance will go into the minus automatically, but you can continue to communicate and pay the bill once a month in any convenient way. In order not to be left without communication at the most necessary moment, it is recommended to activate automatic payment from a bank card.

"Help me out"

Also, in order not to borrow directly, you can call a friend at his own expense. Many mobile operators have this technique. To do this, you will have to make a request and then wait for a response. Not the best approach, because the interlocutor may refuse to use this option.

Nevertheless, such a situation takes place. You need to dial “0880 friend’s number” on your mobile device and then simply start the call. There is no need to put quotation marks anywhere. When you call, the interlocutor will hear that you want to talk at his expense. If he gives the go-ahead, there will be a dialogue. No? Then you shouldn’t hope for success.

Loan repayment methods

If you took out a microloan for your phone account, you can pay off your debts by topping up your phone balance.

Payment for other products can be made in various ways:

• Mobile application (online). You can transfer money from a card or MTS phone number.
• MTS Bank transfer service. Payment is made from an MTS Bank card.
• Transfer service “From card to card”. You can use a card from any bank, including MTS.
• Cash desks in Eldorado, Megafon, M-video, Know-How stores.
• Rostelecom sales and service center.
• Communication shops Svyaznoy, Tele2.
• Terminals.

When paying for a loan using the application or if you transfer from a card of a third-party credit institution to an MTS Bank card using the transfer service, no commission is charged. In other cases, services are paid - from 1%, but not less than the established amount.

The crediting period is up to 5 days, but there are ways when funds are transferred to the lender’s account instantly.

The loan payment scheme is specified in the agreement. To avoid missing deadlines, ruining your credit history, and avoid paying extra money, carefully read the terms of the agreement. Depending on the product, you can choose a one-time repayment of the entire amount, an annuity payment, or repayment of the microloan in equal installments.