In the past few years, the largest communication stores have significantly expanded the range of services offered. Today, they provide their customers with not only opportunities one way or another related to mobile communications, but also a number of additional functions traditionally implemented by banks. So, for example, everyone is invited to get credit cards in Euroset with a number of pleasant bonuses available when using this product. A pretty tempting offer, given that this process will take only a few minutes, and the list of necessary documents includes only the passport of a citizen of the Russian Federation.
What is the difference between credit cards in Euroset and similar means of payment in banks? First of all, it should be noted that this is a completely traditional banking product, and its implementation is carried out jointly with Renaissance Credit. Initially, a card with the funny name "Corn" is bonus and prepaid (that is, it requires a preliminary deposit of funds to the user's account). It is aimed at performing two main functions: making purchases / paying for services in various institutions and receiving up to 1.5% bonus points from the sums of these payments. They are charged when making payments with a card in Euroset communication stores, as well as in a number of program partner places. You can spend them there or, using a special "corn" catalog of goods.
However, there is also an extended version of this product - a Euroset card with a credit limit provided by Renaissance Credit Bank. It is drawn up in the same way as a regular one - according to the passport, directly on the day of application. It provides an opportunity to get a limit of up to 300 thousand rubles. The interest on it, however, as with any credit card, is rather big, but there are quite pleasant nuances. The first is an interest-free period (up to 55 days), the second is a return of 1% of the cost of purchases in the form of bonuses. In addition, credit cards in Euroset are a fairly profitable solution for use abroad, since the conversion into dollars and euros is carried out at the Central Bank rate on the day the transaction was actually performed. Whereas in various banks, the rate may be 1-2% higher.
Card payment system - "MasterCard", which is international, which allows you to pay with it in countries around the world.
There is another possibility that we have not mentioned. Clients of a communication salon can count not only on the credit limit of the Corn card. Euroset provides them with the service of crediting cash loans received from partner banks. This is Alfa Bank, Home Credit, Renaissance Credit, as well as a number of other KOs. In this case, you can apply for a loan anywhere in the Euroset, the money will go directly to your card.
Of the advantages of the card, you can also call it free maintenance (and finding one now is not so simple) and an SMS notification, for which there is also no charge. Of course, this product has its disadvantages. These are high interest on the loan, limited possibilities to replenish the balance (either through Euroset salons, or by transfer from another MasterCard card). In addition, some problems may arise when calculating "Corn" abroad, as it is not named.
In general, Euroset has credit cards with arguments for and against the use of this product. Set priorities and decide which of the characteristics is more important for you, whether the advantages overlap the disadvantages specifically in your case.