is a free option that allows you to stay in touch even if the money in your account runs out. In essence, you continue to use all the services of the mobile operator on credit. For some, this is very convenient, since it allows you to avoid blocking your number when you reach a zero balance. Some users, on the contrary, are very dissatisfied, since use leads to increased communication costs.
We will tell you in more detail about the disadvantages and pitfalls of the option, as well as customer reviews at the end of the article. If you want to share your opinion, look in the comments. In the meantime, let's start the review with a description of the service, the terms of its provision, at what tariffs it is available for connection and how to manage the limit.
What does the option provide and its cost?
According to the operator's rules, subscribers cannot use communication services if the money on their balance is empty.
Even on tariffs with a subscription fee, already paid service packages are not provided if the subscriber’s personal account has 0. In fact, the number is blocked and can only receive incoming calls. MTS gives the user a small credit limit, thereby shifting the shutdown threshold to a negative value. Simply put, you go into the red and continue to use any available MTS services: voice communications, mobile Internet, text messages and other services.
The minimum monetary equivalent of the operator’s “trust” is 300 rubles. If the user repays the loan on time, then over time the “credit of trust” grows and the limit amount increases. There is no maximum limit. Each subscriber has his own “ceiling”; it is calculated individually.
If you use up all the credit provided, the SIM card will be blocked and it will be impossible to use the connection. To unblock the number you need to top up your account. There is no need to return the entire amount spent at once; it is enough to simply return to the limit approved by the operator.
MTS does not charge money for connection and does not charge a commission for using borrowed funds.
Advantages and disadvantages
The main advantage is that the subscriber can always stay in touch, regardless of whether he can top up his balance or not. Another advantage is the amount of 300 rubles, which will be quite enough to make calls and use other operator services. And if this limit was not spent in full, the amount to be refunded will be equal to the expense.
The disadvantages of the service are that if you do not return the money in a timely manner, the operator will block the number. This is a necessary measure for the reason that not all “borrowers” treat their obligations responsibly. From here we can only draw one conclusion - you can use the operator’s trust only in exceptional cases when money is really needed urgently.
Despite the fact that the service is useful, you should not abuse trust. The problem for many users is a lack of self-control, which can lead to negative consequences. If possible, try to replenish your personal account in a timely manner, because today this can be done without leaving home using a bank card or electronic wallet.
Who can activate the option
On popular MTS tariffs (Smart, My Smart, Tariffische, etc.) it is already included in the starter package. After 6 months from the date of purchase of the SIM card, it is activated automatically if the subscriber topped up the balance in a timely manner and did not allow the number to be blocked for financial reasons.
Users of old tariff plans can add the service themselves.
It is important to comply with the following conditions:
- be a subscriber of Mobile TeleSystems for at least 3 months;
- pay bills regularly and avoid late payments (not only for mobile communications, but also for home Internet, if connected). Debt on any MTS account that has not been paid for more than 30 days is considered overdue;
- monthly communication costs for a subscriber number from 200 rubles.
The option is incompatible with all corporate tariff plans, as well as the “Cool”, “Guest”, “Basic”, “For Laptop”, “For Tablet”, “MTS iPad”, “Your Country” tariffs.
The “On Full Trust” service excludes the possibility of using the “Promised Payment” option, and vice versa. That is, you cannot activate one service while another is active.
How to connect or disconnect MTS
You can manage the option through USSD commands, as well as your Personal Account and the My MTS mobile application.
USSD combination
Dial *111*32# on your phone to add the option and start using credit from the operator.
Typing this command again will disable the service.
Through your Personal Account or mobile application
- Log in to the self-service service and open the “Services” section.
- Use the search bar and start entering the name of the option, the service will greatly save your time and find the desired one src=»https://kakpozvonit.ru/wp-content/uploads/kak-podkluchit-uslugu-na-polnom-doverii-mts-v- lichnom-kabinete.jpg" class="aligncenter" width="770″ height="365″[/img] If you use a mobile application, then follow this path: " → "Opportunities with zero" → "With full trust" .
- Click the “Connect” button, and then confirm your intention to add the service to the list of active ones and wait for an SMS with a message about activating the option.
To disable MTS through your Personal Account, follow the same sequence of actions.
Why can't I activate the service?
You cannot use this option for the following reasons:
- you have a negative account balance;
- you used a trust payment and did not repay it;
- the average expense on your account over the last 3 months is less than 200 rubles;
- your tariff plan is not compatible with the “On Full Trust” option.
Connection to MTS
If you are one of the subscribers who constantly forget to top up their balance on time, then this will be the optimal solution for you.
Of course, you can simply take the promised payment, but in this case you will have to pay a commission, but it is completely free. You can also use the MTS “Call Me Back” service, but this is not the best option. If you have already decided everything and are ready to enable this option, use one of the methods below. Methods for connecting to the service:
- USSD command - *111*32#;
- Through your MTS personal account;
- By contacting the MTS office or help center.
Disabling the service is carried out using the methods used to connect. If you have any questions, ask them in the comments or contact the MTS customer support center.
How to find out your limit
You can find out the deactivation threshold for your number and how much you can go into the minus through your Personal Account or mobile application, or by dialing the combination *132#.
It is more convenient to use your personal account, since you can immediately set a ban on increasing the loan amount. Just log in to the service and in the list of connected ones and go to “Limit Management”.
We tell you how the operator calculates the loan amount under the “In full confidence” option for its clients.
In the first three months of using the service, MTS provides a credit limit of 300 rubles. That is, the number will be blocked when the balance reaches about 300 rubles.
From the fourth month of using the “In Full Trust” option, MTS increases the limit. The allowed amount is set either by the period of use of the service (the longer, the more), or is calculated based on the amount of monthly expenses, depending on which option is more profitable for the operator. You need to understand that the telecom company is interested in providing large amounts of credit, because this makes it more likely that the subscriber will unnoticed spend all available funds.
As long as you use, the credit limit will be increased in any case. Don’t be fooled by the idea that if you spend about 300 rubles a month, you won’t be able to “go into the red” one day by 700 or more.
Available loan amounts “on trust”, based on the duration of use of the option (in the absence of an increase in average monthly communication costs):
| Period | Limit size |
| 0 - 3 months | 300 ₽ |
| 4 - 6 months | 600 ₽ |
| 7 - 9 months | 700 ₽ |
| More than 10 months | 800 ₽ |
If your monthly communication costs are quite high or increase from month to month, then the available limit is calculated using the formula: R + 20%, where R is the arithmetic average of the amount charged by number over the last 90 days. For example, if on average you spend 500 rubles a month, you can lose 600 rubles.
Any expenses on the subscriber number to which the service is connected are taken into account: monthly fee according to the tariff, the cost of additionally ordered options (for example, extending Internet speed), roaming fees, etc. In this case, there is no maximum limit on the approved loan amount. It can be 700, 1500, or 4000 rubles.
What are the features of the service?
- If you connect, then you will have a credit payment method.
- After you have activated the service, you are given a 300 ruble loan, but on the first day of the month following the connection date, this loan will be increased by 1.2 times compared to how much you spent on average on communication services over the last three month. Thus, your credit can be tripled in the future if you pay your bills on time. Thus, this limit may also decrease, but not less than 300 rubles. When calculating average monthly expenses, the amount is rounded down in increments of 50 rubles.
What is a “funds limit”?
This is the amount within which you can stay in touch with a negative balance. Note! When connected, you do not pay any interest, fines or penalties. Thus, you use the provided limit of funds for free.
How and when to pay the bill for the funds used?
To pay the bill for the “On Full Trust” service, top up your phone balance using your usual method.
Once a month, the operator issues an invoice for the previous 30 days. It must be paid by the 24th of the current month. For example, if you used in August, you will receive an invoice in September. You can pay it immediately or in part, the main thing is to pay the entire amount before September 24, otherwise the number will be blocked.
So that you do not forget to repay the borrowed funds, the operator will remind you to make a payment a week before the end of the term. If the money still does not arrive, then another reminder will be sent via SMS 2 days before the blocking date.
You don't have to wait for information messages from the operator. Dial the USSD combination *132# and find out about the debt and payment deadline at any time. The answer comes in an SMS message with approximately the following content: “Limit: 600; Amount to be paid: 198.02; Pay by 10/24/20.”
Attention! If you use the MTS “In Full Trust” option, be sure to regularly check your balance. The operator will inform you that you spend credit funds only when the limit is used up by 75%.
Who is this service for?
In general, this option was accepted by subscribers with great joy. Reviews about MTS are positive and it’s not surprising, because it’s so convenient. So who can this service suit?
- For those who often travel and do not always have the opportunity to top up their balance on time.
- For those who, for some reason, are not able to pay their own communication bill, and loved ones are not always nearby.
- For children who don’t really keep track of their account balance. And parents don’t want to be blocked.
- For those who are experiencing temporary financial difficulties.
Needless to say, this option will be useful to everyone. You never know what can happen. In any case, now you know what to do, how to connect it and how to enjoy the full trust of your mobile operator.
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How to increase or decrease the limit
Subscribers cannot manage the limit and increase or decrease the amount at their own request.
Therefore, it is possible to increase or decrease the amount of the “trust loan” only indirectly:
- if bills are repaid on time and there are no overdue payments, the operator will increase the available limit;
- in case of late payment of bills, the credit limit is reduced to a minimum threshold of -300 rubles, but over time it can be increased again.
There is a small life hack that allows you to reset the size of the loan approved by the operator to the original amount of 300 rubles. To do this, you need to disable the “On full trust” option of MTS using the command *111*32# or through the mobile application. Then wait for the invoice to be issued and pay it, and then send the command to activate the option. will be connected with an initial limit of 300 rubles. If desired, you can fix this amount and exclude a further increase in the shutdown threshold.
Do you need to raise the “bar of trust”?
If you want the limit to become larger, you need to comply with some important features of the service. So, the initial “start” of the system is 300 rubles “minus”. You need to know that the “bar” will increase over time if you:
- Pay your mobile balance bills on time
- Increase your expenses on mobile phone services
- The difference that arises between the calculated and previous limit will be more than 50 rubles
For this reason, if you asked the question “How to increase the limit on MTS,” just make payments for mobile communications on time and gradually increase consumption, which will gradually increase on its own.
By the way, you can fix a certain trust limit yourself (it is necessary that there is an available amount) in two ways:
- USSD menu of standard form “*111*2136#” + “Call”
- Section called “Limits-Accounts” in the “Internet Assistant” system.
In principle, the answer to the question “How to reduce the limit on MTS” will be the exact opposite actions indicated above: non-payment of bills, reducing the density of calls, sending SMS and mms messages, accessing the Internet from the phone.
Reviews about MTS. What's the catch?
Many subscribers find the “In full confidence” option useful. It’s hard to disagree with this, and here’s why:
- You will not be left without communication at the wrong time if the money on your phone suddenly runs out.
- The service is absolutely free , the operator does not charge any fees for using borrowed funds (unlike the “Promised payment” option).
If used thoughtfully and carefully, the MTS “In full confidence” option will be a good help in a difficult situation, but if treated carelessly, it can lead to a large debt to the television company.
From user reviews, the following pitfalls can be identified:
- It's easy to go into a big minus if you don't control your balance.
- The higher the credit limit, the greater the temptation to spend available funds . Some users admit that even after reaching a small minus, and realizing that the money would have to be returned, they still continued to use the operator’s services and order paid options.
- Constantly increasing the credit limit without warning the user.
- There is no warning that the money in the account has run out and you are going into the red. An SMS stating that you have incurred a debt to the operator and are spending the borrowed money arrives only when the subscriber has spent 75% of the established limit.
Connecting and disconnecting
You can connect “In Full Trust” to MTS in three ways:
- enter USSD command *111*32#;
- in “My MTS” on your smartphone or in your Personal Account (section “).
You can disable “On full trust” on MTS and remove the limit in your Personal Account. The option is located in the ". In a similar way, you can disable the limit on MTS in the application for Android or iOS.
You can cancel the limit using the command *111*32#. In the window that appears, you need to enter “1” to select “On full confidence”, and then “2” to delete the option and disable the negative balance.
You can remove the limit and the permissible minus if you do not use calls, messages and traffic for a month. In this case, the service will be disabled automatically, and the subscriber will be transferred to the advance payment system.
You can disable the option through the Support Service or in the communication salon. In the first case, you will need to provide a code word or passport data, in the second, you will need to provide an identification document. This is necessary because only its owner can perform any actions with the SIM card.
