mallpay

I had no major problems activating or using the card, even though I asked for a large limit. It is true that there was a lot of solvency information, but I cannot agree with the comments that this card is aimed at a less income population. I would just like the opportunity to download a monthly statement so that the previous months are not there.

Definitely five stars for me. The test account already suited me, and the transition to a verified one with a higher limit went perfectly smoothly. Since then, various motivational events have taken place, such as cashback for refueling or random discount coupons. The card arrived quickly and was activated in Google Pay before the physical acceptance. Never have any payment and billing issues always accurate, continuously trackable in the app, so I always know how much money has been spent in the current period. No fees and lots of benefits.

Yes, initial registration is time consuming and requires personal information, but it's all in the convenience of online, and when someone lends you up to 50,000, it's quite understandable that they want to verify you. Since my registration, using MallPay is free, it works great, is secure, it has more features and I use it as a backup payment system and a card to my bank card. In addition, the account is clear and MallPay, unlike banks, does not deprive you of fees and does not force you to do anything. Even if you don't pay with MallPay, it doesn't cost you anything. I would just appreciate the ability to export QR to multiple formats.

I also had no problem with the account or the mall pay card. And when I needed to resolve an inconsistency, everything went great and pretty fast. When communicating with me, the staff always acted politely and friendly. It's awfully easy to slander and throw dirt at it, but to make them realize that the mistake is on his side many times, they don't look at it anymore. Only the full number of stars has mall pay, at least I don't have a reason to give less yet.

I started using Mallpay when it still worked as deferred payments for e-shops, not as a "credit card". After the transition, the first discount on the first purchase, which I gladly used, is nice. We often regret inaccurate or incomplete information about the conditions of using bonuses / discount codes, the last time it was the "digitize your mallpay card" event ... then we chased it by emails. But at least they don't run away from problems, and if you get in touch, they deal with it, so it's a good point.

Mall so far, I have regularly made sales of at least about 10 thousand. CZK / year, with electronics more. That's why I wanted to buy a MallPay card because of the benefits it is supposed to bring, but it wasn't a good idea, and maybe not even shopping at the Mall at all ... As several people have already written here, Mall is obviously aiming at socially weaker or otherwise disadvantaged fellow citizens, otherwise I can not explain why a regular customer and a totally solvent person can refuse a card application or. throwing sticks at his feet, claiming more and more nonsensical information for a credit card with a limit of 10 thousand. CZK. After sending all the data and documents they requested, I was told (some kind of "bots" communicate with you, who do not even state their full name, well, I already understand why) that I still have to provide statements from all the accounts I go to some money. Oh, so if you have provided MallPay with an above-average income on your account statement, you still need to keep all your other income or transactions within the family and to reveal a complete record of all the money and accounts you have, just because some Dominik or Tereza from MallPay will remember to graciously issue you a smiling Mall card for a dazzling 10 thousand. CZK. Are you really serious about this today?

I have a very bad experience with the course and communication when trying to activate the PLUS account. If I pass about 20 min. spent filling in the required information of a personal nature, API connection with a bank account for the authorization of personal data and I also assume creditworthiness (all beyond the standard normal framework of negotiations in the bank); nothing happened next. After the e-mail and telephone urgency, the answer was "an apology - technical problems of which you are unfortunately a part." The final result was the rejection of the application on the 5th working day after sending the above data with a completely unclear reason "something does not suit us". I am convinced / as described in previous reviews / that the target customers are EXCLUSIVELY people with lower monthly income or financial problems on which the company (ie ČSOB, which covers the banking product) can profit within the installments plus the interest rate . If you have a stable regular verifiable income, ie. you do not need this bridging loan, but you are only interested in an extended warranty, you are unlucky - you do not fit into the customer portfolio .... Nothing will save the familiar approach of customer service staff.

When I read the local comments, I obviously have a card from a completely different company: D I don't know what the local contributors did with it, but everything went perfectly OK for me and I'm not an IT expert, I'm 58 years old and I only know how to use a computer. But, of course, if someone wants a credit of 50 thousand from people, they can't think that they'll just give it to them by e-mail, they need to verify everything, and if they want an account, they have to verify it somehow. Yes, at the beginning I was also scared, but most of all I managed to confuse something right at registration. So I stopped it, in the meantime I checked in with someone from Mallpay, where someone answered me immediately. Compared to some operators where one feels like communicating with a UFO, Mallpay is perfectly fine, there is always someone who knew what they were talking about and when I also did not understand some form of discount, or how to use the card at all, Miss she willingly wrote everything to me. I bought a really minimum via card and they already saved me about three thousand - because once they sent me a discount, and it really paid off for the initial purchase, when I bought a printer. Of course, filling in the questionnaire will take some time, but the result is worth it. What I personally enjoy is that when I choose a mallpay payment in the shop, I don't even have to withdraw the card. Rather, I wonder how good marketing the company must be when it has managed to develop a system that makes their customers well and at the same time makes a living for the company. I don't know about the others, but I quite like them. In addition, the payment gateways usually offer this service as an additional one, and this segment of financing would certainly not make a contract with an incapable one. Holt, if someone buys a card in order not to have money, then it's wrong. Personally, I don't need to buy anything for debt, but the thing that attracted me the most is that on the one hand there are nice discounts (even if only the one at the beginning is great), then if I don't have the money, I will borrow it like this without interest. , and above all, which was the main decision, that I experienced x times that I bought something in the e-shop, paid, it was inappropriate for me, I needed to return it, and I pushed money from that company for several weeks. It turns out like this, I don't pay anything, I run out of a package, they pay for it, and when I find out I'll keep it, I pay. If not, I'll return the package - and I don't make a bank for anyone. On the contrary, Mallpay will provide me with a service for which they have nothing from me. What to add, every reasonable person will evaluate it for himself.