"Corn" (map). Reviews about the plastic card "Corn" from "Euroset"
Visitors to the Euroset salons have the opportunityget an interesting product - a plastic card "Corn". What are its features? Can I use the card as a credit card, and how much will it be profitable? In which uses of "plastic" from "Euroset" has the most obvious competitive advantages over similar products?
The map "Corn", however strange it may sound,is not banking. Experts believe that it is more correct to consider it "payment" and not to refer to the classic plastic. "Corn" is issued by a financial organization that does not relate to credit and financial. But in colloquial speech, even at the level of the expert community, the card is called "banking". And therefore the application of this term, in principle, is permissible. In addition, the de facto use of "Corn" within the available functions almost completely duplicates the possibilities of the most modern banking solutions. With the help of "plastic" from "Euroset" you can pay for purchases - both in Russia and abroad - to take out loans (which are issued, in turn, by affiliated commercial banks with the issuer).
The combination of payment systems
A number of experts draw attention to the fact thatmap "Corn" (reviews of many users also contain positive opinions about this circumstance) is serviced by two payment systems - the domestic "Golden Crown" and foreign MasterCard.
In the event, for example, due to a complicationpolitical situation, foreign EPSs will cease to serve the Russian Federation or limit payment transactions on cards issued by Russian banks, "Corn" will remain a workable financial instrument. True, with limited functionality. All that can be done is to send a money transfer through the card and channels of the "Golden Crown", thereby cashing in the funds available to it. That is also an important criterion. This is the opinion of many Russians who had experience using such a financial instrument as the "Corn" card. The customer feedback in this sense reflects the advantages not only of the functions associated with standard payment transactions: settlement in the store, cash withdrawal at the ATM, etc., but also the possibility of using the money transfer system.
Speed of registration
"Corn" - a map, reviews of which in many respectspositive due to the speed of its design. The fact is that all you need in order to get a "plastic" is to contact any Euroset office. With you you need to have only a passport, as well as a cell phone with the main number at hand. Thus, the structure to which the map of "Corn" - "Euroset" extends. Feedback on this issue is generally positive. The network of corresponding salons has the widest prevalence in Russia. Almost in any area of a large city there are several offices of Euroset at once - you can go and draw a card at any time. But if the main dealer, in whose structures the "Corn" card is drawn - "Euroset, feedback about which is generally positive because of the scale of the branded network, then who is the issuer?" This is the company "RNCO Paying Center." She, as we said above , is not a banking organization.The card is issued immediately, it is activated almost at the time of issue.
Simplicity of formalities
One step in registering a card is obtainingpin code. This procedure is organized fairly simply. All you need to do is to call from the phone you specified when you registered to the call center, then dial the desired sequence of numbers. Euroset consultants, as a rule, willingly help clients to implement this procedure. The registration of "Corn", as many users of this product have noted, is generally easier than the similar action with respect to conventional bank cards.
Cost of registration
Decoration of "plastic" nominally paid - you needto deposit 100 rubles on her account. But in fact they can be immediately applied, for example, to the balance of a cell phone. You can say that it is free - a bank card "Corn". Reviews of its users, of course, correlated with this fact are purely positive. In some cases, Euroset consultants may propose to issue a "Corn" card upon the completion of a sufficiently large purchase. In this case, it will not be necessary to contribute something to the account at all.
How to replenish "Corn"? Very simple. The most convenient option is to do this by visiting any showroom of Euroset. For practical implementation of the operation you will need to read the barcode from the card, that is, it is desirable to have the "plastic" with you. It is also convenient to replenish the card with the help of another that is issued by any of the banks. That is, usual debit or credit. True, it is necessary to "bind" it, register in the "personal cabinet" of the user "Corn". Another option (it can be called "classical") is the replenishment of the card account using a normal bank transfer. No binding in this case is required, however, and the timing of the enrollment of money is quite large - at least a day.
How can you use "Corn"
Actually, what is the usefulness of "Corn"? This can be expressed in several aspects at once. The first option: the "Corn" card is a debit card. Clients' feedback regarding this "plastic" usage scenario testifies to the excellent adaptation of the product to this mechanism of engagement. With the help of "Corn" and the MasterCard payment system affiliated with it, you can make purchases in stores, including online.
You can pay both in Russia and in anyanother country in the world where there is MasterCard, and it is in most states. In some cases, when using the card, it is possible to connect a useful option "cash back", in which about several percent of the amount of each purchase goes to the bonus. It can be spent in a variety of ways.
Another scenario when "Corn" is a creditmap. "Euroset", reviews of which, as a rule, related to the retail because of the profile of the organization, of course, is not empowered to issue loans on its behalf. The loans are issued by banks affiliated with the company "RNKO Pay Center". However, the loan conditions are not very impressive for Russians who left thematic portals after using such a product as the "Corn" card, reviews. The credit limit is determined by the bank on a fairly complex formula - it can be either very modest or large. But most importantly - the interest on the map is far from comfortable. Such give the customers "Euroset", which was used as a credit card "Corn", reviews. 2014 due to certain political events, of course, is not easy for the country's economy as a whole and for the activity of credit and financial organizations in particular. But 24-80% per annum from the bank "Renaissance" affiliated with "Corn", or 28-44% of "Tinkoff", which are offered now - this is perhaps a bit much. Although, in principle, there are proposals on the loan market that are much less profitable. So in some segments, decisions from the "Renaissance" and "Tinkoff", of course, can be quite competitive.
One of the possible advantages of using the card"Corn" as a credit - a sufficiently long grace period for using the loan (during which no interest is accrued) - about two months. However, we note that many banks allow their clients to use the loan on preferential terms within comparable, or even even longer, periods. But recently, not all financial institutions are as loyal to credit applications as a few years ago, many refusals. As for the owners of "Corn", as many experts note, as well as users themselves, banks tend to make positive decisions.
"Corn" - a map, reviews of which in many respectsaffect such an aspect as customer support. Users of "plastic" note its high enough level. For example, there is no problem with repairing a lost card. It is enough to call the call center from the number that is indicated as the main card when registering the card. If necessary, you can make a written request to the support service via e-mail. Or use the form of treatment in the "Personal Cabinet" of the user. However, it is likely that specialists of the support service will prefer to answer by phone. Therefore, you need to keep a mobile phone with a number - that is registered as the main one, with you.
By the way, about the "Personal Cabinet". "Corn" - a map, reviews of which largely reflect the possibility of convenient use of this function. Access to the "Personal Cabinet" is organized simply. Login - unique card number. The password can be requested in the form of an SMS message to the number that was specified when registering the "plastic". After it should be replaced with your own. Functional "Personal Cabinet" is very interesting. There is, by the way, the option of downloading the mobile version of its interface - to Andoid or iOS-devices.
We turn to the consideration of financial aspectsusing the card. As we said above, the design of "plastic" is almost free. There is no commission for payment transactions through the MasterCard system. By the way, when using a card abroad, the conversion to local currency takes place based on the CBR exchange rate, and not on the intra-bank exchange rate. This can be an extremely profitable solution. "Corn" - a map, reviews of 2014, which largely affect the well-known situation with the fall of the ruble in the foreign exchange market. The fact that the owner of "plastic" from "Euroset" gets the opportunity for profitable conversion, appeals to many Russians.
Thus, "non-cash" when using"Corn" - a very successful mechanism to use the payment capabilities of this solution. At the same time, it is not recommended to withdraw cash from the card using an ATM. The tariff here is 1% of the cash amount. The minimum fee is 100 rubles. In addition, if cashing occurs abroad, the costs are likely to be higher due to fees from local credit and financial institutions. It is better to use for the same purpose standard plastic cards that allow you to withdraw cash from affiliated ATMs or those issued by the issuer.
One of the most noteworthy aspectsusing the map "Corn" is the possibility of issuing a nominal version of it. In the standard format, it is virtually impersonal (although in the issuer's database there is all the information about the owner of "plastic"). But there is an option in order to arrange the one on which the name and surname of the user will be reflected, as on other plastic cards. Ordering a personal "plastic" from "corn" is easiest through the "Personal Cabinet." The cost of the product is about 150 rubles, along with the delivery of the finished card by mail. The term "plastic", meanwhile, is 7 years. While for the cards of many other banks, the model period is 3 years.
Name "Corn" - a map, reviews about which inmuch positive due to the technological nature of the product. The fact is that this format of "plastic" is equipped with a modern chip PayPass, which allows to carry out contactless payments. So far, this kind of technology only comes into play. Most modern cash registers have terminals with classic card readers.
But non-contact devices are getting more activeare introduced by Russian shops, banks, services. They can be used by Russians, in whose possession there is a personalized bank card "Corn". "Euroset", reviews of which often affect the technological aspect of the realized electronic goods, as many experts believe, facilitates the further penetration of contactless devices on the Russian market.
There is information that the percentage of "cash back" with the fatein bonus programs for owners of registered "plastic" is higher than when using the standard format of the card - 1.5%. At the same time, as soon as the new product is activated, all the bonuses from the old "plastic" are transferred to the newly created account.