Credit Advance: IOU 2.0
Promotion Details
IOU is an additional service for our Digicel prepaid customers. IOU allows you to take an advance on credit (ABM), data or a voice bundle of $3 or $15.
For each IOU, Digicel will charge a service fee of 10% of the sum taken in advance. Upon your next top up, the amount taken in advance + 10% will be automatically deducted as Digicel service fee.
1. How does the IOU work?
USSD:
1. Simply Dial *166#
2. Select option ‘1. See Offers’
3. Choose between ‘Credit’ or ‘Data’ bundles offered.
MDA:
1. Open MyDigicel Pacific App
2. On the Home page of the App, scroll down Digicel Offers and Select Emergency Loan.
3. Tap Emergency Loan and choose your IOU between Plans and Credit
Note: In order for customer to IOU
They must have an ABM balance of $3.00 or less
No existing Overdraft Balance/IOU
2. Am I eligible for the IOU service? If not, how can my number be eligible?
To be eligible for the IOU, your number must be prepaid and 90+ (3 months) Age on network.
Customer must also frequently top up their number, as this shows customer will have a high chance of paying back IOU.
List is refreshed 1-2 months.
Post-paid, Digifix and new prepaid numbers are not entitled for IOU.
3. How do I pay back my IOU? How much is the fee?
Customers will be able to pay back IOU through any Top up method stated below;
(Diaspora, MyCash, Voucher scratch card, EVD) or Credit.
The service fee is set to 10% of the IOU amount
4. What will happen to customers who are already subscribed via *164# when he tries to use *166#?
The *164# will be in use and running parallel with *166#.
5. What offers are available on IOU?
Credit Advance Data Plan $3 Credit IOU Prime $3 $5 Credit IOU Prime $5 $10 Credit IOU Prime $13 $15 Credit IOU Prime $25
6. If I already have an outstanding IOU credit balance, will I be able to request for another IOU plan?
Yes, customers are able to do Multiple IOUs even if IOU has been partially repaid.
7. Is there a way for me to check how much I can IOU?
Yes, customers are able to check their IOU balance by following below steps. As customer IOUs, this will be deducted from the overdraft balance or ‘Loan limit, until customer will no longer be able to use this service until IOU has been repaid.
1. Tap Emergency Loan on MDA or Dial *166#
2. On the top of the screen will show you your IOU Limit.
8. Can I request for IOU while roaming?
Yes, customers will be able to use IOU while in roaming countries.
9. I can only IOU the Prime $3, are there any higher plans available and how can increase my Loan Limit?
Yes, and in order to increase your loan limit, you must top up your number actively.
Whitelist is refreshed 1-2months.
1. How does the IOU work?
USSD:
1. Simply Dial *166#
2. Select option ‘1. See Offers’
3. Choose between ‘Credit’ or ‘Data’ bundles offered.
MDA:
1. Open MyDigicel Pacific App
2. On the Home page of the App, scroll down Digicel Offers and Select Emergency Loan.
3. Tap Emergency Loan and choose your IOU between Plans and Credit
Note: In order for customer to IOU
They must have an ABM balance of $3.00 or less
No existing Overdraft Balance/IOU
2. Am I eligible for the IOU service? If not, how can my number be eligible?
To be eligible for the IOU, your number must be prepaid and 90+ (3 months) Age on network.
Customer must also frequently top up their number, as this shows customer will have a high chance of paying back IOU.
List is refreshed 1-2 months.
Post-paid, Digifix and new prepaid numbers are not entitled for IOU.
3. How do I pay back my IOU? How much is the fee?
Customers will be able to pay back IOU through any Top up method stated below;
(Diaspora, MyCash, Voucher scratch card, EVD) or Credit.
The service fee is set to 10% of the IOU amount
4. What will happen to customers who are already subscribed via *164# when he tries to use *166#?
The *164# will be in use and running parallel with *166#.
5. What offers are available on IOU?
| Credit Advance | Data Plan |
|---|---|
| $3 Credit | IOU Prime $3 |
| $5 Credit | IOU Prime $5 |
| $10 Credit | IOU Prime $13 |
| $15 Credit | IOU Prime $25 |
6. If I already have an outstanding IOU credit balance, will I be able to request for another IOU plan?
Yes, customers are able to do Multiple IOUs even if IOU has been partially repaid.
7. Is there a way for me to check how much I can IOU?
Yes, customers are able to check their IOU balance by following below steps. As customer IOUs, this will be deducted from the overdraft balance or ‘Loan limit, until customer will no longer be able to use this service until IOU has been repaid.
1. Tap Emergency Loan on MDA or Dial *166#
2. On the top of the screen will show you your IOU Limit.
8. Can I request for IOU while roaming?
Yes, customers will be able to use IOU while in roaming countries.
9. I can only IOU the Prime $3, are there any higher plans available and how can increase my Loan Limit?
Yes, and in order to increase your loan limit, you must top up your number actively.
Whitelist is refreshed 1-2months.
a) The IOU service is accessible on both USSD *166# and MDA.
b) Promotion is for selected prepaid customers only on a set criterion.
c) All IOU credit and bundles will be charged to Overdraft balance.
d) 10% fee is applied to all loaned Credit and bundles.
e) $3.00 or below Credit balance is needed to be able to view IOU offers.
a) The IOU service is accessible on both USSD *166# and MDA.
b) Promotion is for selected prepaid customers only on a set criterion.
c) All IOU credit and bundles will be charged to Overdraft balance.
d) 10% fee is applied to all loaned Credit and bundles.
e) $3.00 or below Credit balance is needed to be able to view IOU offers.