Which bank serves the "Corn" card? How to issue and replenish the credit card "Corn"?

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

A credit card can serve as a good analogue of a bank loan while traveling abroad. If you pay off the debt on time, then the money can be used an unlimited number of times. Previously, they were issued only by banks. Today in Russia, Euroset and Svyaznoy offer to issue such a plastic payment instrument. You will learn more about what kind of “Corn” card is, which bank services it, from this article.

Design

You can buy a card through the branch of Euroset, Svyaznoy or in Doctor Stoletov pharmacies. For registration, you only need a passport and money. There are two types of cards in circulation: regular and World. The first one costs 200 rubles and allows you to accumulate 1% of all purchases. World is issued free of charge, but 3000 must be credited to the balance immediatelyrub. and spend them. The owners of these cards will be able to accumulate 1.5% of each purchase. Through the network of pharmacies "Doctor Stoletov" you can get only a regular card.

The registration procedure takes 5 minutes. Immediately after its completion, an SMS with a code word is sent to the user's phone. It must be used for all calls to the Call Center, including for obtaining a PIN code. The card is not named. It can be taken abroad. But it is possible that there will be problems with payments in local stores. Therefore, it is worth pre-ordering personalized plastic.

First, customers are given a debit card. Already having it in hand, you can apply for a credit limit. Each of the 5 financial institutions in Russia has its own terms of service for such a product as the Corn card. Which bank is better, each client determines independently.

Bonuses

The cards work similarly to other credit cards. Money can be withdrawn in cash from ATMs, transferred to other accounts, paid for purchases on the Internet and at retail outlets by non-cash method. Among the additional features there is a bonus account: 1-1.5% of all cash costs are converted into special points. They can then be used to pay for goods in stores: 10 bonuses=1 ruble. Regardless of which bank serves the "Corn" card, points can only be used at the same points where they were accumulated. These are Euroset, Svyaznoy, Perekrestok, the Stoletov pharmacy chain and TNK gas stations.

Feedback on the bonus card "Corn" confirms that such a scheme is not entirely convenient. Not all customers buy goods in cellular stores every month. Experts recommend using bonuses in pharmacies or saving them for a whole year, and then fill up 2-3 times for free.

Transfer funds

One of the disadvantages of this type of card is the limited ways to replenish the account. Money can be credited to the balance only with a personal presence at the Euroset, Svyaznoy or TNK gas stations. Users can transfer funds to each other through the "Personal Account". Here you can also link another card issued by Mastercard and transfer funds from it instantly. Transactions without commissions take place only with plastic payment instruments of Sberbank and Tinkoff. Here's how to apply for and top up a Corn credit card.

Withdraw funds

Corn is no ordinary card. To withdraw funds from it without a commission, you must use the function of repaying the loan through the "Personal Account" in the menu section "New Payment". There you need to indicate the number of another Mastercard debit card and transfer money to it already.

Financial Institution Terms

You can connect a credit limit to the debit card "Corn". But since the stores themselves cannot provide loans, partner banks and microfinance organizations were involved for these purposes. Let's take a closer look at their conditions. No matter which bankserves the "Corn" card, their requirements for customers are almost the same:

• citizenship of the Russian Federation;
• availability of a job and permanent income;
• age of the borrower - from 21-25 to 57-64 years.
• to apply for a loan, you must provide a second identity document.

Home Credit Bank provides customers with a credit line for a period of 6 to 36 months in a maximum amount of 50 thousand rubles. at a rate of 46.9% per annum. In "Alfa-Bank" a loan in the amount of 40 thousand rubles. can be obtained for one year at 44% per annum. The service fee is much higher than for standard cards. In addition, the bank meticulously checks the documents and does not always approve applications. If a refusal came, but you still need to issue a card, you can apply to MIGKREDIT. Organizations provide a loan of 20 thousand rubles. for a period of 4-24 weeks, provided that the account will be replenished every 2 weeks. This scheme is not beneficial for every client. Especially when you consider that the interest rate in such institutions is 2 times higher than the bank rate.

More offers

Tinkoff Bank offers its customers more interesting conditions:

• interest rate: from 28.9 to 36.9%;
• limit - 300 thousand rubles;
• grace period - 55 days from the date of the first withdrawal;
• service fee - not charged;
• cash out: 1% of the amount, minimum 100 rubles;
• pen alties in case of late payment: 0.2% of the amount for each day, one-time commission -RUB 590;
• minimum monthly payment - 6% of the debt.

Which bank serves the "Corn" card on similar terms? "Renaissance". The credit limit and grace period in this organization are similar to the previous one. The difference lies in the interest rate (24-79.9%), withdrawal fees (3-4%) and higher pen alties. For violation of the terms of payment, the client will have to pay 20% of the amount owed. The minimum monthly payment under the terms of the program is 5%, but not less than 600 rubles. You will have to pay 750 rubles for connecting the SMS informing service for a year

Conversion

Separately, it is worth discussing payment for goods in foreign currency. Regardless of which bank serves the "Corn" card, currency conversion will occur twice at the rate of the Central Bank. The first is on the day of purchase. The amount of goods +2% will be blocked on the account. When paying for services in foreign currency, money is not always debited from the account on the day of purchase. Most often, a foreign bank needs 2-3 days to confirm the operation. Therefore, the second conversion of funds will take place already at the time of debiting.

Example

Person paid for $100 worth of goods. On this day, the exchange rate was 35 rubles. The account will be blocked: 100 x 35 + 2%=3570 rubles. After 48 hours, a confirmation came from a foreign bank. The exchange rate of the Central Bank on this day is already 35.1 rubles. The following will be debited from the account: 35.1 x 100=3510 rubles. The difference is 60 rubles. will be returned to the account. According to this schememany credit cards work, including the "Corn" card. Which bank serves the client is not important in this case. The withdrawal procedure is the same.

Second nuance: regardless of the currency in which the cost of the goods is indicated, rubles will be debited from the account after preliminary conversion into dollars or euros.

Conclusion

Russians have the opportunity to purchase goods on credit without waiting for a salary and without saving money for a long period of time. For these purposes, a special card "Corn" is provided. Which bank services it in Russia? Alfa-Bank, Renaissance, Tinkoff, Home Credit. The client can independently choose any of them. The product has a number of advantages: a small package of documents, an application can be made online, minimum requirements for borrowers. But to insure their risks, banks have provided higher interest rates for servicing cards and pen alties for violation of debt repayment terms.