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

A good analogue of a bank loan for a whilemaking overseas trips can serve as a credit card. If you repay the debt in a timely manner, you can use the money 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. More details about what kind of a bank "Corn", which bank it serves, you will learn from this article.

Decor

You can buy the card through the branch of Euroset,"Connected" or in the drugstores "Doctor Stoletov". Only the passport and money will be required for registration. There are two types of cards in circulation: regular and World. The first costs 200 rubles and allows you to accumulate 1% of all purchases. World issued free of charge, but the balance should immediately enroll 3000 rubles. and spend it. 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 it is completed, a 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 getting a PIN. The map is not named. It can be taken abroad. But it is possible that in the calculations in local stores there will be problems. Therefore, it is worthwhile to order personal plastic.

First, customers receive a debit card. Having it in your hands, you can apply for a credit limit. Each of the five 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.

Offers

Cards work similarly to other credit cards. Money can be withdrawn in cash at ATMs, transferred to other accounts, paid by cashless method of purchase on the Internet and in outlets. Among the additional features is a bonus account: 1-1,5% of all money 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, you can use points only at the same points in which they were accumulated. These are Euroset, Svyaznoy, Perekrestok, the Stoletov drugstore chain and TNK refueling stations.

The feedback on the "Corn" bonus card confirms,that such a scheme is not entirely convenient. Not all customers buy goods monthly at cell phone shops. Experts recommend using bonuses in pharmacies or saving them a whole year, and then 2-3 times free refueling.

Money transaction

One of the drawbacks of this type of card islimited ways to replenish the account. Money can be credited to the balance only with a personal presence in the offices of Euroset, Svyaznoy or TNK stations. Users can transfer funds to each other through the "Personal account". There is also the possibility to tie another card, issued by Mastercard, and transfer money from it instantly. Without commissions, transactions take place only with plastic payment instruments of Sberbank and Tinkoff. Here is how to issue and replenish the credit card of "Corn".

Withdrawal of funds

"Corn" is not an ordinary map. In order to withdraw funds from it without a fee, it is necessary to use the loan repayment function through the “My Account” in the “New Payment” menu section. There you must specify the number of another debit card Mastercard and transfer money to it.

Terms of financial institutions

You can connect to the Corn debit cardcredit limit. But since the stores themselves cannot provide loans, partner banks and microfinance organizations were attracted for these purposes. Let us consider in more detail their conditions. Regardless of which bank serves the Corn card, the requirements for their customers are almost the same:

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

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

Other 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 charge is not charged;
• cash withdrawal: 1% of the amount, minimum 100 rubles;
• penalties in case of late payment: 0.2% of the amount for each day, one-time fee - 590 rubles;
• The minimum monthly payment is 6% of the amount owed.

Which bank serves the card "Corn" onsimilar conditions? "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%), fees for cash withdrawals (3-4%) and higher penalties. 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. For the connection of the service of SMS information for a year will have to pay 750 rubles.

Conversion

We should also discuss the payment of goods inforeign currency. Regardless of which bank serves the Corn card, the currency will be converted 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 occur at the time of cancellation.

Example

The man paid for the goods in the amount of $ 100. On this day, the course amounted to 35 rubles. The account will be blocked: 100 x 35 + 2% = 3570 rubles. After 48 hours, a confirmation came from a foreign bank. The rate of the Central Bank on this day is already 35.1 rubles. From the account will be charged: 35.1 x 100 = 3510 rubles. The difference is 60 rubles. will be returned to the account. According to this scheme, many credit cards work, including the Corn card. Which bank serves the client, in this case is not important. The procedure for writing off the same.

The second caveat: regardless of the currency in which the value of the goods is indicated, the ruble will be debited after conversion to dollars or euros.

Conclusion

Russians have the opportunity to purchase goods ina loan without waiting for a salary and not saving money over a long period of time. For these purposes, a special card "Corn". Which bank serves 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, the minimum requirements for borrowers. But to insure their risks, banks have provided higher interest rates for card servicing and penalties for violating the maturities of debt.