ghesta.ir Reviews

The website ghesta.ir appears to be a financial service offering installment payment solutions, particularly through a service called “قسطا کارت” (Qestacard). It claims to provide a credit card that allows users to make purchases and pay for them in installments, both online and in physical stores. The site emphasizes the ease of obtaining credit and the ability to use it for various types of purchases, from household appliances to medical expenses and travel.

However, several red flags and concerns should be noted:

1. Lack of Detailed Information: The website lacks detailed information about the company, its physical address, and the legal and regulatory framework under which it operates. This lack of transparency is concerning, especially for a financial service.

2. Unrealistic Claims: The website makes bold claims about the ease of obtaining credit and the flexibility of its services, such as the ability to make large purchases without the need for a guarantor or collateral. Such claims should be carefully scrutinized, as they may not align with standard financial practices.

3. Limited Contact Information: While the website provides a phone number and address, the absence of other standard contact details, such as an email address or comprehensive customer support information, is unusual for a financial service provider.

4. Vague Terms and Conditions: The website does not provide clear and detailed terms and conditions for its services, including interest rates, repayment schedules, and potential penalties. This lack of transparency can be risky for users.

5. High-Risk Nature of Installment Services: While installment payment services are legitimate, they can also be associated with high-interest rates and fees, especially for individuals with limited credit history or lower credit scores. Users should be cautious about the potential financial implications of using such services.

6. Limited Online Presence and Reviews: A reputable financial service provider typically has a strong online presence, including customer reviews and ratings on independent platforms. The absence of such information for قسطا کارت is a concern.

7. Use of “Let’s Encrypt” SSL Certificate: While the use of an SSL certificate is a positive security measure, the fact that it is issued by “Let’s Encrypt,” which is a free and automated certificate authority, does not necessarily indicate a high level of trust or validation.

Given these concerns, individuals considering using the services of ghesta.ir or قسطا کارت should exercise caution and conduct thorough research. It is advisable to seek independent financial advice and explore alternative options before engaging with this platform.”

the reasons behind this review :
Lack of Detailed Information, Unrealistic Claims, Limited Contact Information, Vague Terms and Conditions, High-Risk Nature of Installment Services, Limited Online Presence and Reviews, Use of "Let's Encrypt" SSL Certificate