good analogy of a bank loan at the time of the commission of foreign travel can serve as a credit card.If time to repay the debt, the money can be used any number of times.Previously, they were released only banks.Today in Russia, "Euroset" and "The Messenger" offer to issue a plastic payment instrument.More details on that card for the "Corn", which bank it serves, you will learn from this article.
Making
card can buy through a branch of "Euroset", "The Messenger" or pharmacies "Doctor Stoletov".For registration need only a passport and money.In the back there are two types of cards: standard and World.The first costs 200 rubles, and allows you to earn 1% on all purchases.World issued free of charge, but the balance should immediately enroll 3,000 rubles.and spend it.The owners of these cards will be able to collect 1.5% of each purchase.Through a network of pharmacies "Doctor Stoletov" can only be an ordinary card.
procedure takes 5 minutes.Immediately after completion of phone user comes SMS with a code word.It must be used for all calls to the Call-center, including to obtain a PIN.The card is not a spade.It can be taken abroad.But it is not excluded that the calculations in the local shops will have problems.Therefore it is necessary to pre-order a nominal plastic.
First, clients are given a debit card.Already having her in my arms, you can apply for a credit limit.Each of the five financial institutions in Russia, their conditions of service of such a product, like a map, "Corn."Which bank is better, each client determines its own.
Bonuses
map works similarly to other credit cards.Money can withdraw cash from ATMs, to transfer to other accounts, to pay for cashless purchases on the Internet and in retail outlets.Among the additional features available through the bonus: 1-1.5% of all cash costs are converted into special points.They can then be used to pay for goods in stores 10 bonus = 1 ruble.No matter what bank card services "Corn", points can only be used at the same points in which they were accumulated.This "Euroset", "The Messenger", "Crossroads", a network of pharmacies "century" and fueling the TNC.
review bonus card "Corn" confirms that such a scheme is not very convenient.Not all clients on a monthly basis to buy goods in stores hundredth of communication.Experts recommend the use of bonuses in pharmacies, or save them for a year and then 2-3 times free refuel.
Transfer funds
One of the drawbacks of this type of card is the limited ways to replenish the account.Money for the balance can only enroll in person in the offices of "Euroset", "The Messenger" or TNK retail sites.Users can transfer funds to each other through the "My Account".Here it is possible to link other card issued by Mastercard, and transfer funds instantly to her.Without transaction fees are only plastic payment instruments and Savings Bank "Tinkoff".Here's how to decorate and fill up a credit card, "Corn."
Withdrawal
«Corn" - is no ordinary map.To bring with it means no commission, you must use the loan repayment through the "My Account" in the menu section "New payment".It is necessary to specify the number of different debit card Mastercard and have it transfer the money.
Terms financial institutions
debit cards "corn" can be connected to a credit limit.But as the shops on their own can not provide loans for these purposes were involved partner banks and microfinance institutions.We consider in detail their conditions.No matter what bank card services 'Corn' requirements customers have practically identical:
- Russian citizenship;
- availability of jobs and steady income;
- borrower's age - from 21-25 to 57-64 years.
- for credit is necessary to provide a second identity document.
«Home Credit Bank" offers its customers a line of credit for a period of 6 to 36 months to a maximum of 50 thousand. Rub.at a rate of 46.9% per annum.In the "Alfa-Bank" loan of $ 40 thousand. Rub.You can get one year under 44% per annum.Servicing fees are much higher than on standard cards.In addition, the bank meticulously checks the documents and did not always approve of the application.If a refusal, and the card still need to draw, you can apply to the "MIGKREDIT."Organizations provide a loan of 20 thousand. Rub.for a period of 4-24 weeks, provided that the account will be updated every 2 weeks.This scheme is beneficial not every client.Especially when you consider that the interest rate in such institutions is 2 times higher than the bank.
Other suggestions
«Tinkoff Bank" offers its customers a more interesting conditions:
- interest rate from 28.9 to 36.9%;
- limit - 300 th. Rub .;
- Grace period - 55 days from the date of the first removal;
- service fee - will be charged;
- cashing 1% of the amount, a minimum of 100 rubles .;
- penalties in the event of late payment of 0.2% of the amount for each day, one-time fee - 590 rub .;
- minimum monthly payment - 6% of the debt.
Which bank card services "Corn" on similar conditions?"Renaissance."The credit limit and the grace period in this organization similar to the previous one.The difference is the interest rate (24-79,9%), charges for cash withdrawal (3-4%) and higher penalties.For delay in payment the customer will have to pay 20% of the scrip debt.The minimum monthly payment under the terms of the program is 5%, but not less than 600 rubles.During the setup process, informing a year will have to pay 750 rubles.
Conversion
should also discuss payment for goods in foreign currency.No matter what bank card services "Corn," currency conversion will be twice the rate of the Central Bank.First - on the day of purchase.On the account will be blocked amount of goods 2%.Payments made in foreign currency money is always deducted from the account on the day of purchase.In most cases to confirm the operations of foreign banks takes 2-3 days.Therefore, the second conversion of funds will take place at the moment of writing off.
example
man pay for the goods in the amount of $ 100.This day rate was 35 rubles.On the account will be blocked: 100 x 35 2% = 3570 rubles.After 48 hours, it is a confirmation of the foreign bank.Central Bank exchange rate on that day is already 35.1 rubles.From the account will be debited: 35.1 x 100 = 3510 rubles.The difference is 60 rubles.It will be returned to your account.This scheme employs many credit cards, including card "Corn."What the bank serves the customer, in this case, it does not matter.Debiting the same procedure.
second thing: no matter what currency specified value of the goods will be debited from the account after first converting rubles into dollars or euros.
Conclusion
Russians have the opportunity to purchase goods on credit, without waiting to receive wages and saving money for a long period of time.For this purpose, a special card "Corn."Which bank serves it in Russia?"Alfa-Bank", "Renaissance", "Tinkoff", "Home Credit".The customer can choose any of them.The product has a number of advantages: a small set of documents, a request can be issued online, the minimum requirements for borrowers.But to insure their risks, banks have provided a higher interest rate for the service cards and penalties for violation of the terms of debt repayment.
