Among the users who left negative reviews about Kviku are people who are a couple of days behind on their payment. The source of negativity for this group of clients was the threats from the employees of the online service under discussion. These reviews could be evidence of illegal actions on the part of Kviku if their authors had logged in through a social network or indicated the addresses of their personal pages.
What the company does
Kviku is a service that provides loans and microloans, as well as assisting tourists who wish to book plane tickets via the Internet. The company's website is located at www://kviku.ru. Reviews left on partner resources characterize this project as a one-of-a-kind virtual service for searching and purchasing airline tickets on credit.
Kviku automatically adds a percentage for the services rendered to the amount that the client must pay for the ticket. The company is notvirtual ticket office, and this is reflected in the advertising texts and videos made public on the Web. Kviku performs the role of a search engine: it selects the option that suits the customer from what official sites for selling air tickets can offer.
Before accepting a customer's order for processing, the system first checks its credit reputation. The site allows payment by bank cards (Maestro, VISA, MasterCard) and electronic money (WebMoney, Yandex. Money).
Kviku virtual credit card. Customer Reviews
Virtual credit card is the ability to buy online without providing third parties with information about the status of your bank account. The main advantages of this type of service are inaccessibility to third parties and the absence of a service fee.
A virtual card exists only in electronic form, but outwardly it looks exactly the same as a real bank card. You can get a virtual "credit card" in a bank or through a global network. For persons who are clients of a banking institution, it is possible to issue an interactive account.
The authors of most of the comments are users who are satisfied with the Kviku "loan" service. Reviews characterize the service as a virtual lifesaver. If a person needs to fly away urgently, but has no money to buy a ticket, Kviku comes to the rescue.
Users of the World Wide Web, who are positively disposed towards the Kviku service, call it nothing more than a faithful savior and reliable assistantpeople who love to travel. If a low-income tourist has to go on a trip, he will sooner or later learn about the existence of Kviku. Here you can easily get a loan, as well as buy plane tickets without hustling in lines.
Kviku has been a real boon for people forced to take an unplanned trip.
This has never happened before: air ticket with deferred payment
A peculiar "trick" of the service is the ability to get the coveted ticket without money and pay for the purchase in a few days. The rave reviews about Kviku shed some light on some of the features that have earned the company so many followers. Netizens who wish to remain anonymous mention a seven-day grace period for deferred payments without paying interest.
While reading the thank-you reviews, it becomes clear that if the ticket price rises after the credit time has passed, the client will pay the amount that was valid at the time of placing the order.
Reason for negative reviews
The main reason for the indignation of users who left negative feedback about kviku.ru is “draconian” interest. But not only the money issue irritates dissatisfied customers of the service. Next to the enthusiastic and grateful exclamations of happy owners of loans and air tickets, their reviews look awkward. After all, the cause of dissatisfaction is in the improper provision of services.
Purchasing tickets, according to dissatisfied customers,really produced very quickly. Only instead of vaunted amenities and the best options, buyers are provided with economy class seats. The situation is aggravated by the fact that a high percentage has to be paid for such a “service”.
Almost all customers who have written negative reviews about kviku.ru admonish users who are just going to use the services of the service not to do so. The reason - all the same "sky-high" interest and cynical methods of influencing debtors.
According to the comments of the dissatisfied, customers who miss the day of payment of interest are subjected to all sorts of moral humiliation. For example, offensive posts appear on their social media pages, the purpose of which is to notify as many people as possible that the said user owes Kviku.
This is something to think about…
Among the negative comments sometimes come across the revelations of people who had to deal with the misconduct and negligence of Kviku employees. The reviews of these users are published on thematic sites and are open for free review.
In particular, there are references to the unauthorized cancellation of the seven-day grace period. For example, a former fan of the service, who wished to remain anonymous, reports that Kviku may violate its own rules by serving loyal customers. What guides the company's employees, arbitrarily making "fateful" decisions, is unknown.
What you need to know when applying for a loan. clarificationfinanciers
“Borrowed money without guarantors! Without collateral and salary certificate. Every person reads such offers online and offline every day. It is not uncommon for even the smallest loan to be the cause of big problems. Debt on a loan formalized through a bank often ends in the loss of real estate, or even all property acquired by the debtor.
Of course, no one says that a Kviku credit card can be the cause of such problems. Reviews of some clients of the service under discussion indicate that not all citizens, when applying for a loan online, take this responsible financial operation seriously. This chapter is for them.
Many borrowers, realizing that they will not be able to repay the debt on time, are trying to pity bank employees and achieve cancellation of interest payments. However, stories about distress, financial problems and family troubles do not produce the expected effect. Even the most valid reasons do not release the defaulter from debt obligations: papers certifying the fact of non-payment of the loan will sooner or later end up in court.
Sometimes the bank makes concessions to debtors who regularly return at least a small part of the debt. Their non-payment cases are usually the last to be heard.
All the bank can do is release the debtor from paying fines or pen alties. In particularly difficult cases, a debt restructuring program is launched (debttransferred to a special account that can be paid later).
Distinctive characteristics of kviku.ru service. Feedback from borrowers and clients
This service has its own characteristics. For example, for Web users who want to apply for a loan, Kviku offers to make a trial purchase in order to make sure that the new customer is able to pay.
Most of Kviku's customers (the reviews of these people are published on the Web and are freely available) really like the thoughtfulness of the ticket purchase service. For example, the passport details of a client who issued an air ticket are stored in the system, which facilitates the procedure for purchasing a return ticket. And one more important detail - in the event of a flight postponement or cancellation, Kviku customers who have bought a ticket will receive a notification.
Positively inclined towards the service, users note that the accrual of interest on the amount spent on the purchase of air tickets begins after seven calendar days. No interest is charged from a client who managed to repay the debt within seven days.
Now let's look at how they respond on the Web about the lending service. Users who have issued a virtual credit card receive privileges in the form of additional discounts from well-known online stores, such as Lamoda, Quelle, MTS, Mvideo and Aliexpress.
You need to know about this in advance
When a loan is issued, the required amount appears on the client's account not immediately, but after some time. In addition, the exact loan amount is determined by the lender.
To owners of virtualcredit cards who overdue the payment of the loan, a fine is charged - approximately two thousand rubles for each day of delay.
Debts are repayable
Some of the comments, judging by their content, are a response to the attacks of specific individuals who left negative reviews about Kviku. We are talking about a category of people who apply for loans, knowing that they will not be able to repay them. And what's more… they're not going to do it.
It is not known if any of the users who borrowed money from the company in question managed to appropriate it irretrievably. However, attempts to do so were certain. The conclusion suggests itself: negative comments are sprinkled by dishonest people who do not want to pay their bills.
Unfortunately, the participants in the discussion did not release their real names. Therefore, it is not possible to find out who is right and who is wrong.
