Credit card "Corn" - reviews. "Corn" (credit card) - conditions

2024 Author: Howard Calhoun | [email protected]. Last modified: 2024-01-17 18:37

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 is issued in a matter of minutes, valid for 2-3 years. The client gets access to a revolving line of credit, provided that he repays the debt on time. Five years ago, such a means of payment could only be issued at a bank. Today it is actively offered by large companies and networks. In this article, you will find out what the Corn credit card is.

Essence

As mentioned earlier, credit cards are analogous to a bank loan. But they are issued for a different purpose. The main purpose of the cards is to pay for small purchases on the Internet or in a store. If the holder manages to return the funds to the card during the grace period, he will not have to pay interest on the service. The expenses willonly the cost of issuance and annual use is included. 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 the client withdraws money and manages to return them within the agreed time. The 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 major 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 Euroset began to actively offer to issue a Corn credit card. The issue and maintenance of the first is carried out in cooperation with Renaissance Credit. A non-bank credit organization is engaged in the issue of cards for the Euroset. Customers are offered several service packages with different limits, service rates and grace periods to choose from. At the same time, you can apply at the bank, office of the company or via the Internet.

"Corn" credit card: the conditions of Svyaznoy

Even if customers have problems with salary verification, they can still issue a payment instrument. All you need is your passport to apply. The card is issued by a client aged 24 to 57, withas long as they have a positive credit history. The application can also be submitted via the Internet on the Svyaznoy website. In this case, the card is sent to the client by mail within 1-2 days. The maximum allowable loan amount is 300 thousand rubles. If the debt is repaid within 55 days, the client will not have to pay a service fee of 24.9%.

Euroset offer

Customers who make purchases in mobile phone stores can apply for a "Corn" card. They are offered first a savings debit card. For all purchases, points are credited to a special account, which can then be used for payments 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 hotline within 2 weeks from the date of application.

Opportunities for holders:

• make 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 phone stores and in the network of pharmacies Doctor Stoletov. In the first case, the client needs to perform one of the following actions:

• buy any product in the amount of 1 thousand rubles or more;
• deposit 100 rubles on the card and infurther spend them on purchases
• transfer one hundred rubles.

To get the blue card Corn World, you need to replenish your account with 3 thousand rubles and immediately spend this money.

On the Doctor Stoletov network, it is issued if the client fulfills one of the following conditions:

• Exchange pharmacy discount card for "Corn";
• Purchases goods worth up to 1000 rubles;
• Will buy the card itself for 199 rubles.

In both cases, the client must provide a passport. The registration procedure takes 5 minutes. Upon completion, an SMS with a code is sent to the holder's phone. You will need it for any calls to the Support Center.

How to get a credit card "Corn" from Euroset?

It is not necessary to issue a payment instrument separately. It is enough to apply for a loan to an existing debit card "Corn" through the website of one of the partner banks:

• Home-Ceredit;
• Renaissance;
• Russian standard;
• Mig-Credit;
• Alfa Bank.

The "Corn" card with a credit limit is universal. Use it to buy items with borrowed funds and earn points.

Comparison of terms of service

Bank	Home Credit	Russian Standard	Alfa-Bank	InstantCredit
Amount, thousandRUB	10-50	50-100	10-40	5-15
% rate	69, 9%	from 42%	44 %	45 %
Deadline	6 months to 3 years	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 case of a positive decision, the money will be instantly credited to the account. Renaissance Bank provides its customers with the most favorable terms of service for the "Corn Credit Card" product. User reviews confirm this:

• grace period - 55 days;
• maximum limit - 300 thousand rubles;
• % rate - from 24.9% per annum;
• minimum payment amount - 5%, minimum 100 rubles;
• pen alty for violation of payment deadlines - 750 rubles;
• insurance is another service that can be connected to the banking product "Corn" credit card.

Personal account

All holders of the payment instrument can view the balance, history and make transactions through the payment account 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 dateowner's birth. An SMS with a temporary password will be sent to your mobile. After that, the Personal Account page will open, from which you can manage your account and view your history. The Corn credit card is issued by Mastercard. Through the site, you can link another payment instrument of the same system and use it to instantly transfer funds between accounts.

Use cases

• In any retail outlets, restaurants, cafes, gas stations where MasterCard cards are accepted, you can pay for services. For each transfer, the client will receive 1% of the purchase amount to the bonus account. The accumulated points are then converted into virtual money that can be used in partner stores to pay for goods: 10 bonuses=1 ruble.
• Make money transfers across the CIS countries and Russia.
• Use the card for international calls via VoIP service.

Features

In case of payment for purchases, the price of which is set in foreign currency, the money is converted at the exchange rate of the Central Bank of the Russian Federation on the day of the transaction +2%. They are blocked on the account. After the settlements, the purchase amount converted at the exchange rate of the Central Bank of the Russian Federation for the current day is debited from the card. Unnecessarily blocked money is returned to the account.

Example: a customer paid for goods in a foreign online store on May 1 in the amount of 100 USD. On this day, the rate of 30 rubles for 1 dollar was set. The following will be reserved for the couple: 10030 + 2% \u003d 3060 rubles. Payment confirmation came on May 5th. On this day, the rate was 30.1 rubles. This means that the following will be debited from the account: 10030, 1=3010 rubles. The difference 3060 -3010=50 rubles will be unlocked.

Flaws

A lot of problems arise for holders due to the fact that a non-registered credit card "Corn" is issued. Customer reviews confirm this. Abroad, not all sellers accept such cards for payments. So there may be problems with paying for goods in the store. But you can withdraw money from an ATM. The second disadvantage is the need to replenish the account only through the communication salon or from other MasterCard cards. "Corn" from the Euroset can be replenished via QiWi. Commission for the operation - 2% + 20 rubles.

Conclusion

Corn credit card is a universal payment instrument. With it, you can withdraw cash, pay for goods and accumulate points at the same time. The card is issued in Svyaznoy, Euroset stores, Doctor Stoletov pharmacies. The client can independently choose one of several service tariffs. Without a commission, funds are credited only through mobile phone stores or a MasterCard card linked through your personal account. In other cases, the client will have to pay 2-3% of the transfer amount to the intermediary.