Credit card at home without visiting the bank Hello, dear reader!
One of my regular clients broke his leg and had to take sick leave.
But according to him, his parents will soon have a wedding anniversary, and he did not have time to buy a gift.
There are also delays in wages at work. So he urgently needed a credit card. Going out on ice at home the best option. Especially for such cases, our bank has a card delivery service at home. What is a good credit card at home without visiting the bank, you can find out right now from my next post.
Warning!
It is advisable to fill in not only the required fields, but also additional ones. After filling in all the fields, we strongly ask you to check all the data again. Further, as soon as your application arrives at the bank's data processing center, an operator will contact you, from whom you can clarify all the questions and conditions for receiving a credit card by mail.
In fact, applications are considered in real time, and the operator will be able to call you within 15-20 minutes after submitting your application. The bank will notify you of decision via your e-mail, or wait for a phone call or SMS.
You can activate the card received by mail by phone or at the nearest bank office. To receive a credit card by mail, you will not need any income statements, any collateral or guarantors.
If you are interested in the possibility of receiving a credit card by mail, we offer you to fill out an online application for a credit card. Everything is easy and simple, after filling out the questionnaire you will only have to wait for the bank to send you a credit card by mail!
You will not need any income certificates, you do not need to make any collateral and you will not need guarantors! It is very convenient for you, because you don't have to go to a bank branch and stand in long lines! You can get a credit card from a bank that does not have a branch in your city.
source: http://anketa-v-bank.ru/
Everything about credit cards online modern world Almost everything is connected to the internet.
We have already learned how to purchase things, furniture, food and other goods using the World Wide Web.
We almost don't go to the market anymore, getting everything we need right at home. Also, people are starting to wean themselves from cash.
Ultimately, this is completely impossible. However, with the help of credit cards, we can not carry a wallet with money, but replace them with electronic ones. For example, having come to the supermarket, the buyer will be able to buy everything that is needed and not be afraid that there is not enough cash, because you can simply “take” as much as you need from the bank, and then return it without interest during the grace period.
Attention!
Technological progress makes all existing companies keep pace with the times, so banking organizations have also begun to provide, among their services, the opportunity to issue a credit card online. The scheme for applying for a credit card using the Internet is quite simple.
First you need to select the banking organization in which you want to get a credit card. Compare all banks and banking offers. Special attention pay for the interest accrued on the amount of the debt and the special commissions that are charged for servicing the card. Also of great importance are functionality the card itself.
So the most massive credit cards will be very limited in terms of credit limit, and the most prestigious ones such as Visa or Mastercard Gold, will give you the opportunity to make purchases on a global scale (outside your own country).
Firstly, credit cards from the prestigious series will have a large limit, which, depending on your credit history on this card, will constantly increase to the maximum. Also with credit Mastercard With Gold/Visa, you can purchase airline tickets, book hotel rooms and pay restaurant bills in other countries.
After determining the bank in which you want to get a credit card, it is best to calculate the possible options for credit cards available to you in online mode. Such a generator is available on almost every banking site. All you have to do is enter your details and get a response.
In this way, you will be prepared for what credit limit awaits you and will be able to choose the best offer. After calculating the options and choosing the one you need, in order to get your plastic friend, you will need to fill out an application for a credit card online. This is a fairly simple procedure that will take you no more than five minutes.
How to get a credit card in the mail
Recall that when you visit a bank, you would spend at least 10 times more on the same. After filling out the form, you just have to wait for a response. banking organization. The waiting time rarely exceeds 10 minutes. Immediately after the bank approves your application, an operator will contact you.
It will let you know when and where you can pick up your ready credit card. Remember that you can always use the service of receiving a credit card by mail, although in any case you will have to do it in person - a credit card should only be handed over to its owner.
Advice!
What documents are needed to apply for a loan? Most often, only the surname, name and patronymic of the future owner of the credit card, his passport data and some other documents that are provided for by each bank separately are needed.
Remember that when choosing a bank, you should pay attention not to dubious organizations that appeared out of nowhere, but to give preference to trusted banks. Be aware that any bank will assure you that the service in this organization is on highest level, but you should not believe unconfirmed data.
However, let's remember what is meant by the term "credit card service". It should be remembered that not a single bank will work for free and just like that, out of the kindness of their hearts, lend you money. Therefore, at least once a year (sometimes monthly), a financial institution charges (writes off) a small percentage from a credit card.
One of the leaders in this area is OTP Bank. He has long established himself from the best side and won the trust of customers. Credit OTP card bank online is issued according to the same principle as in other financial institutions.
However, in order to become a bank client and, accordingly, a credit card holder, you need to meet certain requirements of the borrower. You must be at least 21 years old and be a citizen of the Russian Federation, as you will need to present a passport to process a loan.
Benefits of a credit card from OTP Bank
Why is the credit card of this financial institution so attractive? First of all, it is worth mentioning the presence of a grace period, which is 55 days. The second and no less important advantage is that each credit card holder can use his card as an electronic wallet.
The bank, in turn, will restore the credit limit as you make payments on an existing loan. You can also withdraw cash from the card using an ATM.
Warning!
And you can do this without accruing and charging commissions. You can also control your account using the Internet or SMS messages. Recall that some banking organizations offer to issue credit cards quickly online.
This process, according to promises, will not take more than 1 minute. However, it is worth noting that when filling out the questionnaires, it is not recommended to enter deliberately incorrect information. Today, you can quite easily take a credit card online and without leaving your home, "walking" through the shops of the World Wide Web to purchase everything you need.
To pay for orders, you no longer have to run to the bank branch and stand in long queues at the terminals or cash desks. You just need to use a credit card. It will not only help make your life easier, but also make it much brighter and more interesting.
source: iq-credit.ru
How to get a credit card in the mail without visiting the bank
A credit card by mail without a visit to a banking organization is issued in a similar way, as well as an online loan. The institutions that offer the most suitable conditions are selected. It may take some time to analyze this data, but on the site of each banking institution there is all the necessary data, as well as a feedback service.
If for you this is the initial application to a banking organization for a loan, then a credit card by mail without a visit to financial institution will be more likely to be received if you send applications to several banking organizations.
When writing the questionnaire, carefully write down each item - any inaccurate data can turn into a negative for you.
Terms of registration
A credit card by mail without visiting a bank is issued by sending an application to the website of a credit institution with the necessary personal information. After analyzing this information, the credit institution will contact the client by phone, write an SMS or send an email.
After online application will be framed bank employees send a credit card by registered mail, which can only be received at the post office, taking your passport with you. The package contains a loan agreement, usually in two copies, information on tariffs, steps for activating the card, all instructions for use and other offers of a banking organization.
Actions after receiving the card
After receiving the letter, you should carefully review all the papers: study the conditions again, check whether your data is written correctly and read the agreement itself. Moreover, the information must be checked both on the credit card and in the agreement.
Please note that while the card is inactive, the agreement is not considered real. If there are no errors and the client agrees with everything, the card issued by mail without visiting a banking organization must be activated using special instructions.
To do this, the client is obliged to send a response letter to the financial institution, to which one example of an agreement and a copy of the passport should be attached. After receiving, the banking organization reports the issuance of a loan.
Credit card offers by mail without a visit to the bank
In fact, not many banking organizations offer such a service as receiving credit cards at a distance with delivery by mail. In some companies, you can issue a card with a loan limit and wait for its delivery, while other organizations send plastic cards by mail only at their discretion to selected borrowers.
Usually, they include already functioning bank customers, for example, bona fide loan payers or depositors. But it can also be borrowers from other organizations that have good story lending.
Tinkoff Platinum card
The most popular and well-known credit card at home without a visit to a banking organization and collection of papers is the Tinkoff Platinum card. True, you can get it by a bank courier. But if there is no representative of a financial organization in your city, then the credit card will come by mail.
Such a card is convenient for using it as a cashless payment tool, since the grace period does not apply to cashing out. The card limit is limited to 300 thousand rubles, but at first the limit will be small. As a standard, when a card is activated, only 5 thousand rubles are on the account of a newly minted client, but then the bank raises the limit.
Warning!
The grace period is 55 days. You can use it only when all credit card transactions will be made in a non-cash way. Plastic service per year is 590 rubles, which is extremely profitable. The loan rate varies depending on the actions taken.
If you make them non-cash, then you will need to pay from 24.9 to 45.9% per annum. If a bank funds are cashed out, the rate will be from 32.9 to 45.9% per annum. A significant advantage is also the fact that to issue a credit card without a visit to credit institution It is possible from the age of 18 and with the presence of a passport. No certificates or paperwork required.
In addition, the payment instrument has a bonus program, thanks to which the cardholder earns 1% in points from the amount back to the account when making any purchases.
Banking organization Russian Standard and credit cards Classic, Raspberry, Student
This financial institution is second in line for sending credit cards at a distance. Here you can issue one of three cards: Raspberry, Student or Master Card Standard. If you choose by the largest credit limit, then the largest is provided for plastic Master Card Standard - 450 thousand rubles.
With Malina and Student cards, you can get a maximum of 150 thousand. The student card will have the smallest loan rate - only 29% per annum. For other cards, the rate will be 36%. These numbers work for cashless payment acquisitions.
When cashing the funds of a financial institution, the interest per year can reach up to 58.9%. Service on a standard card will cost you 600 rubles. Raspberries will cost 300 rubles a year, and student card only 200 rubles. in year. Grace time is 55 days for all credit cards.
Any credit card is provided without a visit to the bank, it is delivered by mail within a few days after the confirmation of the application. The only requests from a financial institution to customers are the presence of a good credit history and an age of 21 years.
Binbank, Elixir Classic credit card
This is a prestigious card that can be obtained remotely. But not taking into account the fact that the type of Master Card Standard card, it offers its owners quite interesting conditions. The credit on the card account does not exceed 300 thousand rubles. You can use the bank's funds without paying interest for 55 days, but only when making non-cash purchases.
Attention!
The interest for the loan is not very high, it is only 22% per annum. You will have to pay 950 rubles for the card service per year. This credit card without a visit to the bank can only be confirmed if you live and are registered in a place where there is a branch of a credit institution.
In addition, applications are only accepted from clients who have reached the age of 22, and are analyzed if they have a good credit history for a short time.
What other credit cards can you get without a visit to the bank?
You can learn about which banks send credit cards by mail not only from a number of popular financial companies. There are some other organizations where you can order a credit card by mail or by courier.
These are the institutions:
- Home Credit Bank sends its credit cards, which mean the calculation of the credit limit by means of delivery by mail.
- A connected bank issues and issues a credit card without a visit to the bank after confirming the application that was left on the bank's website.
- A credit card from OTP Bank is sent to borrowers by mail immediately after confirmation of the application. Loan limit in individual cases can reach one and a half million rubles.
- Alfa Bank also sends a credit card by mail.
- Europe Bank by mail can send a card, the limit of which will be no more than 200 thousand rubles.
- Renaissance Credit Bank also sends credit cards by mail. Interest rate on a loan per year can reach 29.9.
Advantages and disadvantages
Credit card at home without visiting the bank The main advantage of issuing plastic cards by mail, especially if banking organizations are located in large cities such as Moscow, is considered to be time saving.
A probable client will not have to wait long in queues to contact a bank operator, because a credit card without a visit to a credit institution by mail provides a rare opportunity to receive a card in a few minutes.
Unlike the process of registration at ease at the bank office, in this situation it is enough for you to tell short data about yourself, and not fill out complicated legal papers. It does not require a certificate of income, making a deposit and attracting guarantors. The number of conditions for issuing a credit card is minimal.
There is also a significant disadvantage of delivering a credit card by mail. If, when applying at a banking organization, a credit card will be issued to you immediately after the application is confirmed, then you will have to wait for it by mail, which is very inconvenient in a situation where funds are needed at the same moment.
A credit card can take up to two weeks, but some banking institutions offer courier delivery, which greatly speeds up the procedure. A certain category of potential borrowers is afraid to issue credit cards by mail or by courier.
Alertness lies in the fact that many expect from this kind of action some kind of trick or scam. But this is far from true. Receiving a credit card in the mail is completely safe.
In addition, when you issue it, you also receive an agreement, which you can get acquainted with even before activating the credit card. If you have not activated the card received by mail, it does not oblige you to anything.
source: http://zaimgid.ru
In a time of fierce competition, credit institutions are diligently trying to attract the largest number clients. Therefore, almost any solvent citizen can get a credit card at home without visiting a bank.
Apply for a credit plastic card can be done online. You can do this at most banks. Thoughtful financiers, knowing that not all consumers actively access the Internet, and some do not have access to it, have developed a productive way to invite customers:
- bank employees actively collect data on depositors, their clients, clients of rival banks with a positive credit history;
- identify potential borrowers;
- study solvency indicators;
- personally select credit conditions;
- assign a credit limit on the card;
- mailing a credit card.
Whether to resort to the offered services of the bank, or refuse them, decide for yourself. By activating a plastic card, you officially become a borrower.
Another option: there is Internet access, but the desire and time to go to financial institutions, gather various references and sign legal documents no. A credit card at home without visiting a bank is easily issued online. So, where to start and how to proceed to order a credit card at home:
- Think about the size of the loan.
- Conduct a survey of banks promising cards online.
- Read the conditions for obtaining a credit card in detail.
- Leave a request for a card.
Decide how you would like to receive the card: by mail or by courier, to work or home. Getting a credit card online without a visit to the bank promises you obvious benefits, but also fraught with a number of disadvantages.
Benefits of the online card request process
- the application form is filled out in comfortable home conditions;
- the time for submitting an online application is limited to a short time;
- by applying to different banks, you can choose the terms of the loan that are acceptable to you;
- a card can often be issued only with a passport;
- banks do not ask for collateral, guarantors, presentation of income statements;
- it is sometimes possible to take a microloan with a damaged credit history;
- when a loan is needed urgently, a credit card is issued quickly, you can pick it up on the same day;
- the bank will deliver your card to your home (via mail or by courier).
Disadvantages of Applying for a Credit Card Online by Mail
There are a number of significant shortcomings. The most significant of them:
- increased lending rates;
- limited credit card limit;
- short-term grace period;
- high commissions for registration, annual service, when issuing and receiving cash;
- penalties for early repayment.
As you can see, arrange credit card online is quite convenient and fast way. Ideal for acquiring urgent loans and small loans. Often borrowers wonder which bank credit cards are better.
Advice!
Such credit organizations as Tinkoff Bank, Citibank, Sovereign Bank are very popular among banks issuing loans online on favorable terms. Binbank credit cards are gaining growth.
Usually, when entering into a loan agreement, banks insist that borrowers have a certificate of employment. How to be officially unemployed citizens, or people who earn a living with some kind of hobby. Is it possible to take a loan without proof of permanent income.
Where to get a credit card without personal income tax 2 references. What documents to prepare, how much time will this procedure take. Similar questions arise before unofficially and illegally working people who need a cash loan.
source: http://www.kredit-maps.ru/
Credit cards by mail and without a visit to the bank
The classic credit card can now be ordered and received by mail, a service offered by leading banks. Remote issuance does not affect the cost of issue, maintenance - the price of the package does not differ from the usual card, which can be issued at the branch.
Basic lending conditions can be better: the bank invests much less in remote services than in the costs associated with maintaining staff in multiple offices.
Booking remotely is safe and profitable
Why is it profitable to issue a credit card without visiting a bank, by mail? You have enough time to carefully study all banking programs: compare rates, conditions, commissions. You can find current promotional offers with additional free services- you will not have to pay for extracts, maintenance.
The procedure of remote registration is absolutely safe. Banks send by mail a card that no one but you can use. The whole procedure for concluding a contract is identical to the classic registration scheme, but takes place online.
How do I know if it's available by mail?
To find out which banks send cards by mail, you will have to look for information on dozens of sites. We have collected the most profitable offers: 1 minute is enough for you to go to the website of any bank and leave a request.
What you need for registration - a simple procedure in 3 steps
The first thing to do is to choose the right program. Note the difference in conditions for different types kart.
Warning!
If you can officially confirm the amount of your salary, you have a good reputation and impeccable credit history, - it will not be difficult to order a card with maximum limit(up to 700 thousand - 1 million rubles) and a low rate (from 20 - 22%).
New customers have access to low-cost loans ranging from 5,000 to 10,000 rubles with a gradual increase in the limit. Base rates- from 24%.
Submit your application and receive approval
No documents are needed to fill out and send the application: you simply fill in all the information in the form fields. Please provide your full name and registration address. You will need to indicate the amount of income, additional information at the request of the bank. An exact postal address and phone number is also required. After consideration, a bank manager will contact you - you will receive a preliminary approval for issuing a credit card by mail.
Agreement of conditions
AT remote mode You can choose one of several programs, agree on the conditions. Also, for the execution of the contract, it may be necessary electronic forms documents (scanned copies):
- Passports.
- Taxpayer Identification Number (TIN).
- Income statements.
To confirm the experience, you can send a certified copy of the work book.
Conclusion of an agreement
Directly online you can read the text of the contract, check whether your personal data is entered correctly. After that, the bank will send 2 copies of the agreement by post (registered secure mail) or courier service.
One copy must be sent to the bank. The credit card sent by mail must be activated.
How to use the card profitably - tips from financiers
By mail, you can issue a credit card, which will turn into your free credit available at any time. How? It is enough to know a few nuances.
Purchases are cheaper, cash is more expensive
Most of the conditions are created specifically to stimulate the growth of non-cash transactions. Settle in retail chains card is cheaper than cash withdrawal. There is no commission for payment by card, and for withdrawal it can reach 3-4%. If you plan to use cash, choose cards with 0% withdrawal fees.
We do not pay interest: how to make a loan free?
Choose mail-order credit cards with an extended interest-free period. During the grace period, your interest rate on the loan is 0%. The grace period is from 30 to 100 days.
We accumulate discounts and bonuses - we receive money to the account
You not only do not overpay for purchases, but also earn when you pay with a card. Give preference to a card with guaranteed cashback - you will receive from 1% from each purchase to your bonus account. Watch out for partner promotions - discounts can exceed 30% of the purchase price.
Since it became possible to apply online for credit cards in Moscow and other cities of Russia, services have appeared that are aimed at further facilitating the process of obtaining credit funds. One of these is a credit card with courier delivery.
Benefits of issuing a credit card with home delivery
The main advantage of this service is a significant time saving. After all, in addition to the fact that everyone can get a credit card without visiting the bank, he can also save himself from the need to go through endless queues and fill out documents. Another important advantage of the service is its security. Here it should be noted the huge role of courier services, which can be performed both by bank employees and by special courier services. It should be noted that any credit card at home, which is issued in a reliable bank in Moscow, is sent to the client in an unactivated form. And in order to use the provided funds, the client must activate his credit card.How to get a credit card with delivery?
Usually, Bank card with home delivery involves the following design:- Search for the official website of a credit institution that provides this service;
- Filling out an online application;
- Waiting for a card. Usually the delivery time is about 10 days. This period includes consideration of the application, as well as the design and issuance of the card itself.
Ways to activate a bank card
A credit card delivered by a courier after this period will not work until it is activated. There are many ways to activate credit cards received upon delivery by courier, but the following are considered the most common:- Remote activation by phone. It involves a call to the bank, a corresponding request and a message to the operator of the code word that was specified when registering the service. With this method, a visit to the bank is not required.
- Remote activation by mail. It involves sending a client application with a corresponding request.
- Visiting the bank to activate the credit card. A simplified version that only takes a few minutes.
The virtual network is convenient not only for ordinary users, but also for potential borrowers. Now you can choose a loan on a card without leaving your home or office. It is enough to specify the necessary parameters in the form of a rate and term, passport data and wait for an answer.
The benefits of such a deal are obvious. This is the promptness of the response, saving personal time, the possibility of receiving money without confirming the salary. But they found a place and disadvantages: high%, small lending, the term for obtaining rubles.
More profitable proposition will become possible after additional documents and branch visits. But this is all at the request of the borrower.
And remember!!! Before taking out a loan, think 10 times and apply once once. If today you are offered a loan with a rate of over 17% - this is a clear robbery. Look for best offers. They are there, you have to look for them. And do not forget to read this note before applying, it will help you not to make serious mistakes!
| Bank | % per annum | Filing an application |
| Oriental is more likely | From 9.9% | Design |
| Renaissance Credit is the fastest | From 9.9% | Design |
| Home loan worth a try too | From 9.9% | Design |
| Alfa-bank credit card | 0% for 60 days | Request |
| Svyaznoy: installment card Conscience credit card | from 10% per annum | Request |
| Home Credit: installment card Freedom credit card | from 12% per annum | Request |
| Sovcombank if everyone refused | From 12% | Design |
Who issues
JSC " Tinkoff Bank»
This organization specializes The bottom line is that there are no physical branches, so you don’t need to go anywhere. The courier will deliver the plastic specified address in the questionnaire.
You can get a million in national currency, where% starts from 14.9 to 24.9. In any case, the limit will be set on an individual basis, and the call of the operator after a short period of time will eventually clear everything up. Of the documents, only a civil one is required.
LLC CB "Renaissance Credit"
After you have Personal Area, it is in it that you apply for a loan in the corresponding section "Credits". Check your personal account, perhaps there is already a pre-approved offer from the bank for issuing a loan or card with a limit.
Your application will be reviewed at an accelerated pace up to 2 hours, and if it is approved, then the money will immediately be credited to your debit salary card. What are the rates:
- amount from 30.000 to 1 million rubles,
- rate from 11.7% per annum,
- the term of the contract is up to 60 months,
- personal insurance - voluntary,
- without commissions for the issuance, maintenance and early closing of the loan.
Home Credit Bank JSC
To get started, all existing customers are advised by the organization to take a look at the availability request page current offer. This can be done on the official website, in or with the help of the My Credit service.
If you have an Internet bank connection, you can immediately send an application for receiving money. It's fast and convenient. To do this, go to the "Apply a loan" section, specify the limit and period in the relevant columns of the questionnaire, and then simply answer the prompt questions.
After approval, the rubles go to the Home card, the account of another institution or the plastic of another bank. Within the same network, everything is done in a couple of hours, but transfers between banks last up to 3 days.
The conditions are as follows:
- For new customers, they give out from 30 thousand to 500 thousand rubles. for a period of one to 5 years. The rate will be from 14.9%.
- For existing customers, the amount starts from 10,000 to 850,000 rubles. for a period of one year to 84 months. The rate remains the same, from 14.9.
In both cases, the answer will be given within 2 hours.
How to apply for a credit card?
To receive money, you must fulfill a number of conditions:
- Go to the official website of the institution.
- Go to the loan application page.
- In the form that opens, leave personal information, including passport data.
- Give consent to the processing of personal data, which will allow the security service to conduct a small check on the reliability of a potential payer. They even manage to send a request, get an answer from the BCI.
- Submit an application for processing.
- The manager, having received a request, makes a negative or positive decision, about which he informs the person on the same day, maximum within a day.
- If approved, the money is sent to the account specified in the application.
According to statistics, among such applications due to the carelessness of the sender. Even one typo when filling out a questionnaire for a card loan without visiting a branch will lead to false data, which means managers will give a negative answer.
Therefore, before sending, you should check the accuracy of the data several times, which will allow you to receive a loan on time and in full.
Remember that such programs imply mandatory verification of a potential borrower. And if you had fines, delays, there are outstanding debts, you will be refused because of a damaged CI and a high credit load.
How to get money on a card with a bad credit history?
If your CI is damaged, then the above banks, and others banking companies will not approve your loan application. The fact is that you will be considered an unreliable borrower, which means that it is not worth working with you.
What to do in this case? You can contact microfinance organizations that work with all clients, approving almost every second application. At the same time, they do not ask you for certificates of work, do not ask for security in the form of a pledge or surety.
What should be done? Select the MFI with which you want to work, register on its website and create your Personal Account. In it, you leave an application and “link” the card to which you want to receive money to your account.
Important: it must be active, nominal and with a positive balance, WORLD, social and electronic are not accepted. If the application is approved, within a few hours cash will be credited to your account.
Which MFIs work via the Internet:
- Monez - the first loan in the amount of not more than 15,000 rubles is issued for 30 days at a rate of 0%;
- KVIKU - in this company it is possible to issue a virtual credit card with a limit of up to 200 thousand also at 0%, the term of the contract is 365 days, you need to pay every 2 weeks;
- - here, too, the first appeal of the borrower will become interest-free, you can count on a loan of up to 15 thousand rubles. for a month;
- Solva - for regular customers there is a reduced rate of 0.03% per day, you can get a large amount up to 500 thousand rubles;
- - this MFI is ready to offer up to 99.5 thousand rubles for the “Optimal” product. for 336 days at 0.27% daily. You need to pay every 2 days per month;
- - we advise you to pay attention to the program "Before salary", where a loan of up to 30,000 for 30 days is available, the percentage is 0.63% daily;
- Money Men - according to the Turbo tariff plan, you can get up to 60,000 for 98 days at 0.76% per day.
Thinking about a loan, but do not want to leave home or there is no branch suitable bank in the town? Credit organizations take care of your well-being by sending credit cards by mail Russia. This type of lending has many nuances, one of which is a long wait for the coveted card after sending a set of documents. However, you can choose quite profitable terms at a bank that does not have a representative office in your area.
Credit cards(KK) - a loan provided by banks in the form of credit limit under a certain percentage. That is, the client can use the funds from the card at his own discretion, but make payments on time and not violate other terms of the agreement with the bank.
Getting a credit card by mail is easier than visiting a bank, as the requirements for a borrower are slightly lower.. You will not be required to provide real proof of income, and even small errors in your credit history will not have a strong impact on the lender's decision.
Important! When choosing where to order a mail-order credit card, beware of scammers. For example, Alfa Finance or Finance Platinum give customers cards with a limit of up to 1 million rubles, but in fact, they only write off money for postal orders without providing any loans.
When you pick up suitable bank to apply and issue a card by mail, make copies of the documents in advance (Russian passport and the second document) so as not to increase the term for signing the documentation. Regardless of the remote service, the contract is real, and is signed by both parties, confirming the obligations to the credit institution.
Mail order credit cards
According to the method of use, credit cards with delivery by Russian Post are no different from ordinary ones. Outwardly, this is the same piece of plastic with dimensions: width - 86 mm, height - 54 mm.
gray frame:
However, the way of processing and signing documents is slightly different from the usual contact with the bank:
- The questionnaire is filled online on a credit card with home delivery. You need to provide detailed information about yourself in order to increase the chances of loan approval.
- The online application is considered by the bank, and an employee calls you back to clarify the details.
- If the bank makes a positive decision, then the original documents that must be filled out are sent to you by mail. Since the credit card is issued according to the passport and the second document, then attach their copies to the completed contracts and send them.
- The credit institution signs the documents, attaches them to the letter and sends the issued CC.
- When the credit card comes into your hands by mail, it remains to activate it and start using it, according to the terms of the bank
Important! It takes several weeks to receive the desired credit card by mail. The duration of processing depends on the speed of the post office and your location relative to the bank office.
What documents are needed for registration
Registration of QC is carried out completely remotely. At the same time, the bank has the opportunity to check the accuracy of passport data and examine the credit history.
To apply, you will need a minimum set of documents:
- Russian passport;
- a second document, for example, a foreign passport;
- confirmation of income - optional, but affects the size of the limit and the interest rate.
Tip: If there is additional income must be indicated on the application form. It is advisable to confirm that you really have a formal or informal job. This will help you get a card with a limit higher than without a set of documents.
At the post office, you will be given registered letters only with a passport: do not forget the document when going for a credit card.
Popular credit cards in the mail
You can order a credit card with mail delivery at different banks. To make it easier to choose and take the right loan product, below is a table with popular options:
| Credit card name | Advantages | Flaws | Peculiarities | Request |
|---|---|---|---|---|
| Tinkoff Bank "Platinum" | · the bank works only via the Internet, so you can replenish the card without commission at different ATMs; grace (grace period) up to 55 days; limit up to 300 thousand rubles; Has a cashback program | · Maintenance per year - 590 rubles. Interest rate per year for non-cash transactions - from 12.9 to 29.9% Annual rate on cash – 30-49.9% | Touch Bank "TP Daily"  | · Can be obtained without proof of income. · Easily apply for a credit card online. · Cashback up to 3% of the purchase. · Can be used as a debit card. The bank operates via the Internet. Grace up to 61 days. | · 299 rubles + 4% of the amount will be written off for withdrawing money. · It is necessary to replenish the account in advance, so as not to receive a penalty for late payment. · Transfers to other accounts or online wallets are subject to commission. Card service - 250 rubles. / month | · Limit up to 1 million rubles. · The minimum payment is 5% of the amount owed. · Interest rate up to 36.9%. · There is a targeted loan at 18% per annum for 1 year. | Qiwi bank "Conscience"  | · Installment card with an interest rate of only 10% per annum. Installments from 30 days to 12 months. · Registration only on the passport. | · Limit up to 300 thousand rubles. 10% per annum · Delivery by mail or courier. · Grace - 365 days with monthly payments. Issuance and maintenance - free of charge. | Post Bank "Element 120"  | · Registration and receipt at the post office. · You do not need to confirm income, 2 documents confirming your identity are enough. · Limit up to 300 thousand rubles. · Grace up to 4 months. | · Commission for issuing the card 900 rubles. · Insurance is included in the cost of servicing the card. | Interest rate - 27.9% per annum · Limit from 20 to 300 thousand rubles. · The minimum payment is 5% of the amount spent. · Withdrawal fee – 5.9%. | Citibank "Cash Back"  | · Commission even for the withdrawal of own funds from the CC in the amount of 490 rubles + 4.9% of the amount. Expensive SMS-informing - 89 rubles. per month | · Limit up to 300 thousand rubles. · Interest rate from 22.9 to 32.9% per year. Annual maintenance - 950 rubles. | · No need to verify your earnings. · The questionnaire is filled out via the Internet, the card is sent by mail. · Cashback program. · Grace period up to 55 days. | · High interest rate - up to 33.9% per annum. · Fees for withdrawals and transfers to other accounts, including e-wallets. | · Limit - up to 299,999 rubles. · Age of the borrower from 25 to 65 years. · Interest rate – up to 33.9% per annum. | Alfa Bank "100 days Gold"  | · Prompt decision on the questionnaire 30-40 minutes. · You do not need to confirm the reality of income. · Grace up to 100 days with minimum payments. | · You cannot withdraw money without losing the interest-free period. · In case of delay in payment, interest is immediately charged on the remaining amount of the debt for the entire period of use of funds. | · Limit up to 500 thousand rubles. · Rate from 23.99% per year. The age of the borrower is from 21 years. |
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Tip: do not confuse QC options with mail delivery and online ordering. In the first case, the document flow passes through the Russian Post, in the second - only the sending of the questionnaire and the preliminary decision of the bank, and to receive the card, you need to come to the office with the documents.
How to choose the right option
When thinking about which card is better to receive by mail, and whether the bank will definitely send it or you will only spend money on registered letters, pay attention to a few nuances:
- It is better to choose a bank that is popular among consumers and has more positive reviews than negative ones.
- Whether the Russian post or courier delivers the cards to the house, whether there is a need to visit the office.
- How to apply for a credit card and get it: how long an online application is considered, copies of which documents are needed and the main conditions for the lending product.
- During what time documents are sent and the card is activated.
Important! A credit card via the Internet with delivery by mail cannot be instant. It takes at least 2 weeks to send documents. If you need money urgently, contact a bank or microfinance organization with an application for a cash loan.
An example of choosing a credit card
- I didn’t take a certificate of income, and I don’t need it, because I’ll take a credit card from Tinkoff, where you don’t need to confirm anything, and I have a good credit history. And my friends have such cards.
- The questionnaire was approved, and I received the documents. Completed and attached copies.
- Two weeks later I received a credit card, they gave me only 20 thousand rubles, but with the possibility of increasing the limit if payments were made on time. Hooray!
The best cards you can order by mail
From the above cards, we have chosen 4 of the best. They were: "Platinum" from Tinkoff Bank, "Conscience" from Qiwi Bank, "Element 120" from Post Bank and "100 Days Gold" from Alfa Bank. Let's compare them according to two criteria - rate and limit, and after that we will take into account other advantages and disadvantages in order to finally determine which of these cards is better.
Comparison by rate
| Tinkoff Bank | Qiwi bank | Post Bank | Alfa Bank | |
|---|---|---|---|---|
| "Platinum" | "Conscience" | "Element 120" | "100 Days of Gold" | Ready rate | from 12.9 to 29.9% | 10% | 27,9% | 23,99% | Limit | up to 300 thousand | up to 300 thousand | up to 300 thousand | up to 500 thousand |
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At the "annual rate", "Conscience" and "100 days of Gold" win. If the main and only criterion is to take a bet, then the Conscience card would be the favorite of all the cards presented here. The only thing is that it can only be used in partner stores. If this is not a problem for you, then we recommend it. Good conditions (the main thing is to make payments on time. For delay, 0.03% of the amount per day and a fine of 290 rubles are charged daily)
If you need a more versatile card for all occasions, then the second option ("100 days Gold") is the most suitable.
Comparison by limit
| Tinkoff Bank | Qiwi bank | Post Bank | Alfa Bank | |
|---|---|---|---|---|
| "Platinum" | "Conscience" | "Element 120" | "100 Days of Gold" | Limit | up to 300 thousand | up to 300 thousand | up to 300 thousand | up to 500 thousand |
At the same time, a minimum package of documents is required for registration.
Quickly apply for an online card You can apply for a loan without leaving your home. To perform the procedure, it is enough to have a personal computer or any other gadget with Internet access. The client will need to fill out a special questionnaire on the official website of the banking institution, while using the pre-specified details, the specialists will independently contact to clarify all key issues. The procedure takes about 5-10 minutes. When issuing a card at home, the client does not need to take a place in the queue or engage in endless collection of certificates. A virtual online application can be made on behalf of a person over the age of 18. After registration is completed, the card will be delivered to your home by mail or bank courier.
Get an online credit card at home without visiting the bank
The procedure for issuing cards without visiting the bank does not require mandatory provision references or other legal documents. A personal passport is sufficient to complete the registration, while sending a copy made by a scanner or other digital device is allowed. The client can order any type of credit or savings card without any information. Procedure online registration carried out with reference to a mobile number.
Applying for an online passport card is carried out in several stages:
- Submission of a personal application on the website.
- Issuance of a card with delivery by courier or mail.
- Carrying out the activation of a credit card (by phone, through a website or personal account).
- Conclusion of the contract (agreement, familiarization with the conditions).
After passing through all the stages of registration on the site, the client can receive a personal card at home. To start using the services of the bank, it is important to activate. The procedure is necessary to identify the client, as well as confirm personal consent with financial terms. Before applying, it is important to familiarize yourself with the features of registration and user lending.
Quickly order a credit card without leaving home
Applying for a credit card with a passport through a virtual site can provide the customer with a number of benefits. The main feature of this registration option is the absence of the need to personally visit the bank, which has a positive effect on saving time and money on transport. Also, the client can take the card absolutely free of charge without any commissions and assessed contributions. The main advantages of online registration should be highlighted:
- high delivery speed;
- accessibility for clients;
- saving money and time;
- design reliability;
- the presence of a grace period.
The user no longer needs to visit the cabinets public institutions in order to obtain a certificate of solvency. After all, all the basic data banking systems receive automatically without the personal presence of customers.
