The security of this method is guaranteed by the entire security system of the banking institution. All cards are stored in special protected safes until delivery, and activation is carried out only after they fall into the hands of clients.
Activation by phone
This method is suitable for those clients who order a card product remotely. Most often, distance selling is carried out out of a desire to save time. First, you need to send an application online or send it by mail, having previously informed the bank employee about it by phone.
- Once the application is approved, the holder will receive the card by courier or by mail along with an access code and a contract.
- After signing the agreement, the holder must call the bank and inform him that he wants to activate the card. First, you need to go through the identification process by providing your passport details along with an access code. In the future, an SMS notification will be sent to the phone confirming activation, and the PIN code will be sent to the client’s email. After receiving it, you can activate the card yourself at any ATM.
In addition, after receiving the card by mail, it can be made active by visiting a bank branch, where the manager of the institution will be required to issue a PIN code in an envelope.
By now, my “client experience” at the bank has already exceeded 15 years.
Despite the undoubted advantages of the bank (convenient location, absence of long queues, normal service and bank products), I somehow put up with the “jambs” (I wrote about them - an increase in the commission for withdrawing cash from my native (!) ATMs to 1% without warning - I had this at one time, problems with statements on closed cards, etc.), but today for the first time I wanted to bet a “pair”.
It is the bank itself for organizing the technical process (I have no complaints about the service in the branch or the employees - I think the problem is not with them, but with the bank’s system).
At the Krasnaya Presnya Department on January 27 or 28 (I don’t remember exactly) I ordered the card to be issued. Today I came to pick her up.
Usually the operation to receive a card and an envelope with a PIN took a couple of minutes, but not this time. The bank, it turns out, had just introduced a new system for obtaining a PIN (either it decided to save money on envelopes, or to discourage customers - I still don’t understand), and I had the misfortune of becoming one of its first victims.
I just wanted to go to the cashier and put money on a new card, but that was not the case. Instead of an envelope with a PIN, I was told to call the bank’s hotline, giving the data and code word, to receive a PIN code... By the way, what would have happened if I didn’t have a phone with me, or it was discharged, or something else - go to the bank for the second time?
I’m probably the only one on the planet who still uses public transport, but I didn’t have a car parked nearby to make a call from. Calling from an office where other clients were located, while giving complete information over the phone to identify the card holder (full name, date of birth and code word), naturally, was absurd. I had to go outside (not the month of May), rush around the courtyards in search of a secluded corner without unnecessary “ears,” and “hang” on the phone for several minutes.
It turned out that everything was exactly the opposite - it was necessary to return to the bank so that the operator would manually activate the card, and then again run to call and get the code.
I already had a burning desire to give up and give up the card, resorting to a Sberbank card for my purchases, but I suspected that the annual service would be written off anyway.
After activation, another 10 minutes were spent on the street making calls, because... the system did not work, and I had to wait for a call back, in the end I entered 4 numbers and the answering machine confirmed to me that the pin was registered. At the cashier, I somehow deposited money onto the card, after which I was asked (thanks to the cashier) to try to dial the code. I dialed it twice (error excluded), the code is incorrect...
Already from home, I again called the contact number to find out what to do. I was unable to obtain specific information on changing the PIN, and whether the card would be blocked if I was switched back to entering a new PIN - the employees, unfortunately, do not yet understand how this “wonderful” system works. Because I ordered the card for payment via the Internet, but I didn’t experiment further - I basically don’t need a PIN yet.
Result: an hour and a half (!) of wasted time, of which an hour spent on “activation”, which never went well, of which half an hour on the street on the phone...
This is instead of just opening a paper envelope and dialing 4 numbers at an ATM... “Comfortable”, you can’t say anything...
And another unpleasant moment. After replenishing the card, I took a statement from the operator and found that 500 rubles had been written off. It turned out that the service price went up from 300 to 500 rubles just last week, but when I ordered the card and checked the cost, they confirmed to me that it was 300 rubles, which is what it was. (I didn’t take a printout of the tariffs, because before this there were always enough oral questions and answers, but again, not this time...
I would like to advise the management or technical service of the bank, before introducing their “wonderful” innovations, to work out the system normally, and not turn clients into guinea pigs for their own money and time.
And in general, think about how convenient it is for clients (if, of course, they are important to the bank)...
Any bank card has its own validity period, which is usually 3 years. Upon completion, the card is reissued to BINBANK. Let's look at the application rules, costs and other features of the procedure.
Features of re-issuing a BINBANK card
The owner of a debit or credit card may need to reissue the card in various situations. This may be early closure in order to obtain a card of a different category, or the need to change the name of the credit card holder. However, the most common options are re-issuing the card due to its loss or expiration. Let's consider these cases in more detail.
Reissue upon expiration
Re-issuance of a credit card in BINBANK or a settlement card occurs according to rules similar to all institutions:
- By the end of the shelf life, BINBANK produces plastic of a similar level and type, and puts the owner’s name on it.
- The card is delivered to the BINBANK branch where the client is served 2-4 weeks before the date.
- The holder of an expired card is notified that a new one is available in the office.
- The owner visits the branch, picks up a new one and returns the old one. The latter is destroyed in his presence. The reissued card is linked to the existing account. If we are talking about credit, all debts and conditions are preserved. The cost of service and other tariffs remain the same, within the framework of the current contract.
There is no need to submit an application for re-issue separately; the procedure takes place without the participation of a private person. The cost for re-issuing a card at BINBANK is not assigned separately. If the card holder does not need an extension, it is necessary to submit a corresponding application to BINBANK at least 30 days before the date marked on the front side. In this case, all credit card debt must be paid off by this date.
Please note that the card is not reissued in the prescribed manner only in one case: if the client has not used the card for 3 months before the end of the term (there are no incoming and outgoing transactions, the credit limit is not borrowed).
Cost of re-issue in case of loss or damage
Re-issuance of a card in BINBANK is carried out not only for the reason described above, but also under the following conditions:
- The owner's information or number has been lost on the credit or payment card (cannot be read).
- The tape has become demagnetized and transactions through the ATM or payment terminals are not carried out.
- The card holder has changed his last name, which makes the data on the card out of date.
- The client lost the card or it was stolen.
- The bank blocked a credit or payment card on its own initiative, having detected suspicious (fraudulent) transactions or in the event of a risk of violation of the client's rights.
In such cases, an early reissue occurs at the client’s initiative, which must be confirmed by a separate statement indicating the reason (theft, damage, loss, etc.). If a card disappears, it is recommended to block it immediately to protect your funds. Only in the latter case, BINBANK, after solving the problem, makes a decision to unblock it or offers a reissue.
Be sure to block your lost BINBANK credit card and order its reissue - this will insure you against unexpected troubles The cost of early re-issuance of a card at BINBANK is 350 rubles. After writing the application, you need to wait some time for the plastic to be produced. If the initiative for re-issuance comes from BINBANK for internal reasons related to security, the cost is not specified, the issuance will be free.
Conclusion
Re-issuance of a card upon expiration of its validity date is carried out automatically and free of charge. On the indicated date, you can visit the BINBANK office and pick up the finished card. If the plastic is missing or damaged, you must submit an application for reissue of the card to BINBANK, for which a certain cost will be charged, according to the tariffs for a specific credit or debit card.
