Bannière article blog
20.03.2024

The Certo! One Mastercard® by Milenia ! A free credit card with a bunch of perks!

In the jungle of credit cards, you might as well aim for simplicity and clarity; values dear to Milenia. That's good, get yours by making your request to your personal advisor. It's free!

 

We've talked about this before

Among our privileged partners, Cembra represents everything that constitutes a benevolent and qualitative collaboration.

As a flagship of financial services in Switzerland, this partner has been able to develop its activities over time by demonstrating a spirit of innovation in consumer credit, leasing, invoice purchases and credit card management.

Headquartered in Zürich with a history of more than a hundred years, we are proud to collaborate with Cembra in a spirit dedicated to a service offering aimed at meeting the precise needs of our customers.

For all these reasons, we decided to collaborate with Cembra and create the Certo credit card! One Mastercard® by Milenia.

 

Let's Talk Credit Card

Thanks to its own network of retail partners, Cembra customers benefit from special conditions with brands such as Coop or Migros.

As is often the case, you have the option to choose from different credit card options. In this case, depending on your financial means, you can opt for a Premium or Gold card.

Let's get to the heart of the matter

Your Certo! One Mastercard® by Milenia can be used worldwide.

Millions of businesses are linked so there's no risk of not being able to make your purchase no matter where you are, no matter the product.

Like any self-respecting credit card, you can pay in a physical store or online. This is normal.

Need to withdraw cash from an ATM? That's possible too.

In Switzerland and abroad? Of course.

Interest rate ?

You have the option of reimbursing all of your expenses indicated on the invoice or staggering the repayment over time, in which case the interest rate will be 11.95%.

Tech

Your payment card is contactless. You can pay amounts up to CHF 80 by holding your credit card close to the terminal to pay for the purchase, without entering your PIN.

The e-service is also appreciable. Access your history and personal data in just a few clicks.

Need emergency help? A hotline is available 24/7.

 

Okay, but it's not revolutionary...

That's why Cembra is launching Certo!

Do you have a Cumulus Mastercard? Make a free exchange to get the Certo! It's easy and free of charge.

What are the benefits ?

Do you shop at the Coop or Migros? Do you use SBB? Bingo! Using your Certo! You get discounts of up to 1% of your purchases.

Every three months, your accumulated savings are returned to you.

Other benefits through special actions and discounts applied in the context of short-term or long-term partnerships remain in force.

In addition, you can also access the "Cheapest Price Guaranteed" service. We'll tell you more about it later.

 

Terms & Conditions

Quality and responsibility are the other two values that are important to us. So we've taken care to go through the terms and conditions for you.

Admit it, you rarely do it, don't you ?

No problem! Here are our findings :

Is it still possible to spread my refunds upon receipt of an invoice ?

Yes.

What about transaction and withdrawal fees, especially abroad ?

Fees are applied either as a minimum flat rate (e.g. CHF 5 for a withdrawal abroad) or as a percentage per transaction. The rates applied are in line with the market prices.

And the lowest price guarantee ?

The short answer is yes, it's a service offered.

Be careful, however, it is important to take out an insurance policy covering this type of service and the associated conditions, which are not necessarily that simple.

Some products are excluded from the warranty. Power supply, for example, or vehicles.

A minimum price differential is applied, deadlines are imposed and it is necessary to fill out a file for each case encountered if applicable.

What about the percentage of discounts leading to savings ?

For once, nothing to complain about! You save between 0.33% and 1% on your purchases at the largest retailers in Switzerland. It's appreciable.

 

Milenia

At Milenia, we work every day to make your projects a reality. We are committed  to meeting your expectations and the challenges encountered on your life path.

Whether it's for a personal loan, real estate financing, job loss insurance, an advantageous credit card, cleaning your data or a business loan... We're here with you.

Finding the best offer, the formula best suited to your reality, the solution that truly suits your means... That's what drives us.

Whatever your personal situation, whether you want to finance a personal project or rather want to improve your cash flow, do not hesitate to visit our website.

You will be able to carry out simulations, learn about our various solutions or simply learn about the many articles on our blog.

Thousands of customers trust us every year. As part of the merger with credaris, Milenia is now the leading financing platform in Switzerland.

It is thanks to you and it is therefore quite naturally for you that we redouble our efforts to satisfy you.

Apply for your Certo card! One Mastercard® by Milenia

Speaking of advantageous credit cards and our desire to satisfy you, thanks to our partnership with Cembra, we can send you your Certo card!

All you have to do is contact your personal advisor.

Your credit card, made of recycled plastic, in Milenia's colors, will be offered to you !

No application fees, no annual membership fees to pay and the maintenance of all the benefits !

And if you'd like an extra card, it's free too !

When we told you that we were by your side…

 

 



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Telecommuting: flop or not?

Since the Covid pandemic, companies have multiplied remote working methods. The most widely used is telecommuting. Two years later, has this method been successful?

 

Let's take a step back

During the lockdown, the world of work experienced a real shift.

Companies had to adapt and various means were put in place to ensure the continuity of services, sales, and the very functioning of the organization.

Do you remember?

The famous cardboard box filled with a computer, a mouse and a screen that the employees took home...

We somehow settled down somewhere in our apartment or our house.

The less fortunate had to sit on an old table at the back of their bedroom.

Children screamed in the background and parents had to juggle their work responsibilities with those of being a mother or father.

Ah... What wonderful memories!

In addition, the schedules became confused. There was no beginning and no end. We were already connected before, but now the workplace had invited itself into our home, into the family, into our home.

However, not everything had to be thrown away.

The doctor's appointment, the receipt of the Zalando package, the visit of the plumber... What required us to take time off or organize ourselves differently simply fit into his work schedule, on site.

Above all, no more time wasted on the road or on the train. We earned two hours of our living every day. That's no small feat...

We weren't the only ones. Hundreds of millions of people around the world, by obligation or freely, switched to this new way of working.

It was necessary to put in place state-of-the-art technological and IT infrastructures to enable more secure virtual exchanges of information via videoconferencing or e-mail.

It was necessary to set up a teleworking policy to give directives on working hours, the availability of employees and managers so as not to be too intrusive in private life.

Finally, regular reviews were required to assess the effectiveness of telework policies and gather feedback from employees.

The big winners? Zoom, Teams, Skype, Webex... It was a good time and the number of users exploded

 

Video conferencing platforms

In order to establish clear and effective communication channels, it is necessary to have instant messaging and video conferencing tools to maintain smooth communication between team members. This transition is being made by different players who bring specificities specific to each sector.

You may have seen that.

Some companies will use the Zoom platform, which allows simple video conferences with a discussion thread, which is easy to use and not very connected to other services.

Others will use Microsoft Teams or Webex, which offer more integrated and secure business solutions.

Skype and Google Meet round out the market leaders, at least in Europe.

 

And what about employers?

The main fear of some employers during this pandemic?

Decreased productivity.

The prevailing thought was that employees, less supervised than before, would work less given this new organizational freedom.

The endless breaks, the last-minute shopping, the Netflix binging...

We're not going to lie, the majority of teleworkers have taken advantage of this to better combine professional and personal needs.

There have been many productivity studies, too many to mention here.

In the end, productivity dropped slightly on average, but this varied enormously depending on the functions and responsibilities.

Profiles whose tasks were recurrent completed their work more quickly and, not needing to do more, to take advantage of the time available to go about their personal business.

Others worked even harder, especially early in the morning, late at night, or on weekends.

Where some managers suffered from a lack of supervision (monitoring?) of their teams; Some employees did not take well to the distance, the lack of clarity on the establishment of rules... All of them missed interpersonal relationships and this may have impacted the corporate culture and sense of well-being.

In conclusion, there is neither one statistic valid for everyone nor a representative feeling of all employers and employees. However, there is no doubt that the world of work has changed and the effects continue today.

 

Exactly. And today?

Companies are adapting to the demands of employees, especially young people entering the workforce.

They demand flexibility, adapted schedules and, yes, telecommuting.

In Switzerland, the job market is in favour of job applicants. Companies must therefore remain attractive and take these demands into account.

Companies are implementing hybrid work modes that allow the employee more time to work from home but require them to be present for a certain number of days in the office. Again, there is no single rule.

Some organizations simply refuse the principle of remote work.

Others impose a fixed day of attendance.

Some leave the choice to their teams.

One thing is for sure, remote work is here to stay, in one form or another.

More than controlling productivity, more than managing teams and workloads, the real challenge is to keep the links between employees, to ensure proximity between managers and their teams.

Finding a balance between the attractiveness of the employer brand, individual well-being and the needs of the company; This is where the effort must be directed for the future.

 

At work and at home, Milenia is always available

Accessing credit through our financing platform has never been easier.

Everything is within your reach, with customization according to your projects, we accompany you from start to finish so that your projects can see the light of day.

For your personal loan, we offer the best market conditions with 0 application fees. Everything is designed to make your life easier.

Your loan application can be done entirely remotely, with support from your personal advisor or both at the same time.

The flexibility, adaptability, personalization of your offer... All of this is embedded in our approach and services.

As the leading credit player in Switzerland, place your trust in us so that your personal dreams and projects come true.

 

 

 

 

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Loan illustration: loan of CHF 10'000. Effective annual interests rates between 4.9% and 11.95% over a 12 month period lead to total interests of between CHF 261.80 and CHF 624.80. Duration: 6-120 months; Maximum annual interest rate (including all loan handling costs) 11.95%. Loans approval are prohibited if they lead to excess debt for the consumer. (Art. 3 LCD)

 

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