"Euroset", "Corn" card: how to get. Credit card "Corn": conditions for obtaining, tariffs and reviews

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

The ever-increasing competition in the financial market forces organizations to create more and more new programs that most accurately respond to consumer needs and empower them. Sometimes, it would seem, completely different organizations involved in various activities come together for mutually beneficial cooperation.

An example of such a successful merger was the "Kukuruz" ("Euroset") card. How to get it, you can find out in the salons. It allows you to store both your own and credit funds and is a convenient payment instrument.

How and where to apply for a card

It should be emphasized: issuing a credit card is possible only if the client has a bonus card of the same name. Let's spenda brief overview of the map "Kukuruz" "Euroset". How and where to apply?

After paying for goods for a total amount of at least three thousand rubles, the Buyer can be issued a "Corn" card in Euroset.

Requirements for a potential cardholder:

• presence of a passport;
• must be over 18 years of age;
• presence of registration in the Russian Federation;
• availability of one hundred rubles to be transferred to the card.

If the client has received such a card, then he can use it as a credit card, after going through all the required procedures.

How to issue a card in the salon

We would like to note once again that the "Corn" card is issued first of all in the Euroset store. How to get borrowed funds within the bonus card? Banks cooperating with Euroset, within the framework of the proposed banking product, provide an opportunity to receive credit funds. In the cabin, the usual bonus card "Corn" can be turned into a credit card. An application for obtaining borrowed funds is filled out, which is then considered by authorized specialists of a financial institution. If the decision is positive, then the contract is signed, then the money is transferred to the card.

Requirements for a potential borrower:

• age over 20;
• work experience in the last place for more than three months;
• presence of registration or a permanent place of work in the territory where the card is issued;
• monthly income is more than ten thousand for Moscow and the region, six thousand for other regions of the Russian Federation.

Issuing a card online

The "Corn" credit card can also be issued online without leaving home. To do this, you just need to fill out an electronic application and send it to the bank via the Internet. In the questionnaire, you must specify the following information:

• required loan amount;
• monthly earnings;
• the amount of monthly payments that suits the borrower;
• propiska;
• address of residence.

The application is analyzed by the bank's specialists, if a positive decision is made, the "Corn" card can be documented in the Euroset salon. How to get it in your hands, you need to check with authorized salon specialists.

Credit card terms

Next, the credit card "Corn", the conditions for obtaining, tariffs and reviews on it will be considered in more detail. It has already been noted above that Euroset does not have its own financial organization, so the card is issued by a partner bank. Here are some of them:

• "Renaissance Credit";
• "Tinkoff";
• "Alfa-Bank";
• "Home Credit";
• "Instant Credit".

Conditions for the joint program of Euroset with these organizationsvary depending on the conditions under which a particular bank operates. Consider the most common conditions for providing funds through these programs.

Basic conditions:

1. The loan amount is almost the same for all banks: Home Credit - 10-50 thousand rubles, Russian Standard Bank - from twenty thousand rubles, Alfa-Bank - 10-40 thousand rubles.
2. List of required documents. Here it is the same for all institutions - only a passport is provided.
3. The interest rate. The most unprofitable is Home Credit, it offers loans at 69.9%, while Alfa-Bank has a lower percentage of 14%, which makes it the most advantageous option.
4. Credit term. Here, "Home Credit" is the most profitable, it offers borrowed funds for a period of six months to 36 months. "Alfa-Bank" sets the period from six months to 8 months, "Russian Standard" - from six months to a year.

If the client wants to increase the credit card limit, he will have to fulfill the special conditions of partner banks. Below is a list of these conditions, it was compiled based on the feedback of people who managed to increase the limit of the card.

1. It is necessary to provide a certificate confirming the income of the borrower.
2. Having a salary card of a bank that will be a potential lender.
3. The presence of an open deposit.
4. Guarantee.
5. Availability of liquid collateral.
6. Positive credit history.

A positive credit history is the main condition for increasing the limit. Also, the decision of a partner bank may be affected by the presence of a deposit, a salary account. Close family guarantees can rarely help, but banking institutions love it when a potential borrower provides liquid collateral.

Reviews on the "Corn" card are almost exclusively positive. At first glance, it may seem impossible to accumulate enough funds for a good discount. But if you are an active user of this card, namely, you regularly pay with it when buying goods via the Internet, then you will soon accumulate the necessary amount for a discount.

Users of the card also noted that replenishing it is very convenient and simple. After all, there are Euroset salons in almost every city now. They were also pleasantly surprised by the absence of a fee for the annual maintenance of the card, as well as for its restoration in case of loss. In addition, the holders of the "Kukuruz" card felt how convenient it is to use the site with an account for tracking transactions. So, using the cabinet, you can find out the current balance, the number of bonuses earned, as well as pay for various services (utilities, mobile services, etc.).

Bonus program

If the client is not suitable for some conditions for the issuance of his credit funds, he can simply use the offer within the framework of the "Corn" card. The bonus program "Euroset" allows you to make a purchasereturn the amount of one to three percent of the value of the purchased goods. The accumulated points can be spent on paying for goods in Euroset stores. In addition, you can take advantage of discounts and promotions offered by bank partners.

Replenishment of the card through the salon

How is the "Corn" card replenished in Euroset stores? How can I get advice on this issue? You need to contact any salon and transfer money to the card with the help of a cashier. The client needs to have the card itself and the passport with him.

How to withdraw cash

Does the "Corn" card allow you to withdraw cash in the Euroset salon? How do I get cash from an ATM?

There are ways in which you can carry out transactions with money on the card:

• use payment terminals available in Euroset stores;
• via ATMs;
• at the offices of the partner bank that issued the loan.

Close card

Before the procedure for closing the "Corn" card, it is necessary to check if there is any debt on the loan. Then follow these steps:

• visit the bank that issued the loan with a request to terminate the relationship regarding the use of the card;
• expect termination of the contract and further closure of the account, as a rule, the period for these procedures is set up to 45 days;
• get confirmation from the bank that the card is closed andno debt.

Conclusion

Above, the "Corn" ("Euroset") card was studied in detail, how to get it was also considered. So, having studied all these subtleties, we can say that, like any product, it has its pros and cons.

Benefits:

• allows you to shop online;
• registration does not take much time;
• no commission is charged for its service;
• accrual bonuses for making purchases;
• there are many ways to replenish it (it was discussed in detail how to replenish the "Corn" card through the Euroset salon);
• free card loss recovery;
• easy to use.

Flaws:

• Online shopping is not possible in all stores;
• cash withdrawals will be charged;
• when replenishing a card by a third-party client, a commission is charged that is higher than the average value;
• with regular use of the card, it may become unusable;
• transferring money from another card to the "Corn" card is not instantaneous.

After evaluating all the pros and cons of this card, a person has the right to make a choice for himself - to use it or choose another product.