A credit card is an analogue of a bank loan, one of the ways to attract borrowed funds. It has a lot of advantages: it takes out in a matter of minutes, it lasts 2-3 years. The client gets access to a revolving credit line, provided that he will repay the debt in a timely manner. Five years ago, such a means of payment could be issued only at a bank. Today it is actively offered by large companies and networks. In this article, you will find out what a "Corn" credit card is.
Essence
As mentioned earlier, credit cards are an analogue of a bank loan. But they are issued for a different purpose. The main purpose of the cards is to pay for small purchases in the Internet or the store. If the holder manages to return the funds to the card during the grace period, he will not have to pay interest for the service. The cost will include only the cost of release and annual use. Most cards are issued by international payment systems. You can use them not only in the country of the issuer, but also abroad.
Another advantage of credit cards is the grace period . Most often it is 50-60 days. This means that if a client withdraws money and manages to return it within the agreed period. That rate for the use of funds is 0%. Each bank has its own conditions. In most cases, the discount applies only to non-cash payments.
Cards from large companies
Initially, this means of payment was offered only by banks. But in recent years, large companies have also begun to produce them. In particular, in Russia, Svyaznoy and the Euroset began to actively offer to issue a Kukuruza credit card. The release and maintenance of the first is carried out in cooperation with Renaissance Credit. Issuing cards for the Euroset is a non-bank credit organization. Customers can choose from several service packages with different limits, service rates and grace periods. In this case, an application can be made at a bank, company office, or via the Internet.
Corn Credit Card: Svyaznoy Terms
Even if customers have problems with confirming the level of wages, they can still issue a payment instrument. To compile an application, only a passport is required. The card is issued by a client aged 24 to 57 years, provided that they have a positive credit history. An application can also be submitted via the Internet on the Svyaznoy website. In that case, the card is sent to the client by mail within 1-2 days. The maximum allowable loan amount is 300 thousand rubles. In case of repayment of the debt within 55 days, the client will not have to pay a service commission in the amount of 24.9%.
Euroset offer
Customers who make purchases in mobile phone stores can apply for a Corn card. They are first offered a cumulative debit card. For all purchases, points are awarded to the special account, which can then be used for settlements in partner stores. For registration, you only need a passport and a mobile phone number. The same data will be used to enter your personal account. To get a PIN, you need to call the hot line within 2 weeks from the date of application.
Opportunities for holders:
- to issue loans;
- pay for goods;
- make long distance calls at loyal rates;
- transfer funds in Russia and abroad;
- accumulate points to pay for goods in partner stores.
How to get a debit card "Corn" from Euroset?
Applications are accepted in mobile salons and in the network of pharmacies Doctor Stoletov. In the first case, the client must perform one of the following actions:
- buy any product in the amount of 1 thousand rubles;
- deposit 100 rubles to the card and then spend them on purchases
- make a transfer for one hundred rubles.
To receive a blue World Corn card, you need to replenish your account with 3 thousand rubles and immediately spend this money.
In the Doctor Stoletov network, it is issued if the client fulfills one of the following conditions:
- Will exchange the discount card of the pharmacy for "Corn";
- Will purchase goods worth up to 1000 rubles .;
- He will buy the card itself for 199 rubles.
In both cases, the client must provide a passport. The procedure takes 5 minutes. Upon its completion, an SMS with a code comes to the holder’s phone. It will be required for any calls to the Support Center.
How to get a "Corn" credit card from Euroset?
It is not necessary to issue a payment instrument separately. It is enough to fill out an application for a loan on an existing debit card "Corn" through the website of one of the partner banks:
- Home-Keredith;
- Renaissance;
- Russian standard;
- Mig-Credit;
- Alfa Bank.
Card "Corn" with a credit limit is universal. With its help, you can buy goods on borrowed funds and accumulate points.
Comparison of Terms of Service
Bank | Home Credit | Russian standard | Alfa Bank | Migcredit |
Amount, thousand rubles | 10-50 | 50-100 | 10-40 | 5-15 |
% rate | 69.9% | from 42% | 44% | 45% |
Term | from 6 months to 3 years | from 0.5 to 2 years | 6-8 months | 4-16 or 20 months |
To apply for a loan through the Euroset salon, you need to present a card and a passport. In the case of a positive decision, the money is instantly credited to the account. Renaissance Bank provides customers with the most favorable conditions for servicing the product "Credit Card" Corn ". User reviews confirm this:
- grace period - 55 days;
- maximum limit - 300 thousand rubles;
- % rate - from 24.9% per annum;
- the minimum payment amount is 5%, at least 100 rubles;
- fine for violation of the payment deadlines - 750 rubles .;
- insurance is another service that can be connected to a Corn product credit card on a bank product .
Personal Area
All holders of a payment instrument can view the balance, history and make transactions through the payment office on the website of the same name. First you need to register in the system. To do this, on the main page of the site you need to click on the link “Get Password”, in a new window enter the 13-digit barcode on the back of the card and the date of birth of the owner. The mobile will receive an SMS with a temporary password. After that, the Personal Account page opens, from which you can manage your account and view the history. Credit Card Corn is issued by Mastercard. Through the site, you can attach another payment instrument of the same system and use it for instant transfer of funds between accounts.
Use cases
- In any retail outlets, restaurants, cafes, gas stations where they accept MasterCard cards, you can pay for services. For each transfer, the client will receive 1% of the purchase amount in the bonus account. The accumulated points are then converted into virtual money, which can be used in partner stores to pay for goods: 10 bonuses = 1 ruble.
- Make money transfers in the CIS countries and Russia.
- Use the card for international calls through the IP-telephony service.
Features
In the case of payment for purchases whose price is set in foreign currency, money is converted at the Central Bank rate on the transaction day +2%. They are blocked on the account. After settlements are made, the amount of the purchase converted at the Central Bank rate of the current day is debited from the card. Excessively blocked money is returned to the account.
Example: a client paid for goods in a foreign online store on May 1 in the amount of 100 USD. On that day, the exchange rate was set at 30 rubles for $ 1. The couple will be reserved: 100 * 30 + 2% = 3060 rubles. Payment confirmation came on May 5th. On this day, the rate was 30.1 rubles. So, the account will be debited: 100 * 30.1 = 3010 rubles. The difference of 3060-3010 = 50 rubles will be unlocked.
disadvantages
A lot of problems arise with the holders due to the fact that an insignificant “Corn” credit card is issued. Customer reviews confirm this. Abroad, not all sellers accept such cards for settlements. So there may be problems with paying for goods in the store. But it will be possible to withdraw money from an ATM. The second drawback is the need to replenish the account only through the communication salon or from other MasterCard cards. "Corn" from the Euroset can be replenished through QiWi. Commission for the operation - 2% + 20 rubles.
Conclusion
Credit card "Corn" - a universal payment tool. With it, you can withdraw cash, pay for goods and at the same time accumulate points. The card is issued in the stores of Svyaznoy, Euroset, and pharmacies Doctor Stoletov. The client can independently choose one of several service rates. Without a commission, funds are credited only through mobile stores or a MasterCard linked through your personal account. In other cases, the client will have to pay 2-3% of the transfer amount to the intermediary.