Issue a foreign bank card without visiting the bank. Home credit card without visiting the bank
There are not many financial institutions ready to mail the card to new customers. But this is not surprising, because such loans are quite risky for banks.
Renaissance Credit Bank He will not send a credit card by mail, but he is ready to send his "Credit Card" by courier to your apartment.
On the site Svyaznoy Bank there is also information that you can get an approved "Credit Card" by mail. However, in reality, it is more practiced to deliver a credit card by courier or receive it at the Svyaznoy Communication Center.
Another bank - "Credit Europe Bank"... Making an online application for a Card Credit Classic or Card Credit Gold card, you can indicate that you would like to receive it by registered mail. But in order to activate a credit card and get a PIN code, you will have to contact a bank branch.
Will send a card by mail for free Smartbank... To do this, you need to leave a request on the website, wait for a call from a specialist who will select a tariff for the client, and then receive a card at a post office (residents of some cities will deliver a credit card by courier). Nothing but a passport is required.
Thinking about a loan, but do not want to leave your home or is there no branch of a suitable bank in the city? Credit organizations also took care of your well-being by sending credit cards by mail Russia. This type of lending has many nuances, one of which is the long wait for the coveted card after sending a set of documents. However, you can choose rather favorable conditions in a bank that does not have a representative office in your area..
Credit cards (CC) - a loan provided by banks in the form of a credit limit at 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.
It is easier to get a credit card by mail than when visiting a bank, as the requirements for a borrower are slightly lower... You will not need 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 select a suitable bank for submitting an application and issuing a card by mail, make copies of the documents (passport of the Russian Federation and the second document) in advance, 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.
Scheme for issuing credit cards by mail
In terms of the method of use, credit cards with delivery by Russian Post are no different from ordinary ones. Outwardly, it is the same piece of plastic with dimensions: width - 86 mm, height - 54 mm.
Gray frame:
However, the method of processing and signing documents is slightly different from the usual contact with the bank:
- A questionnaire is filled out online to a credit card with home delivery. It is necessary to provide details about yourself in order to increase the chances of loan approval.
- The online application is reviewed by the bank, and the employee will call you back to clarify the information.
- If the bank makes a positive decision, then you will be sent by mail the originals of the documents that must be filled out. Since a credit card is issued according to a passport and a second document, you attach copies of them to the completed contracts and send them.
- The credit organization signs the documents, encloses them in the letter and sends the issued CC.
- When the credit card falls 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 your desired credit card in the mail. The processing time depends on the speed of the post office and your location relative to the bank office.
What documents are needed for registration
QC registration takes place completely remotely. At the same time, the bank has the opportunity to check the reliability of passport data and study the credit history.
To apply, you will need a minimum set of documents:
- Russian passport;
- the second document, for example, a foreign passport;
- proof of income is optional, but affects the size of the limit and the interest rate.
Advice: If there is additional income, they must be indicated in the questionnaire. It is advisable to confirm that you do have an official or unofficial job. This will help you to get a card with a higher limit 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 to get a credit card.
Popular credit cards by mail
You can order a credit card with mail delivery at different banks. To make it easier to choose and take a suitable loan product, below is a table with popular options:
Credit card name | Advantages | Flaws | Peculiarities | Application |
---|---|---|---|---|
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; There is a cashback program | · It is difficult to close the CC · For cash withdrawals, they withdraw 290 rubles. commissions and 2.9% of the amount. · In case of delays, the bank actively "attacks" with calls and letters. | · Service per year - 590 rubles. Interest rate per year on non-cash transactions - from 12.9 to 29.9% · Rate per year on cash - 30-49.9% | Touch Bank "TP Daily" | · Can be obtained without income certification. · Easy to issue a credit card online. · Cashback up to 3% of the purchase. · Can be used as a debit card. · The bank works via the Internet. · Grace up to 61 days. | · For withdrawing money, they will write off 299 rubles. + 4% of the amount. · It is necessary to replenish the account in advance so as not to receive a penalty for delay. · Transfers to other accounts or online wallets are subject to a commission. · Service of the card - 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. | Kiwi bank "Conscience" | · Installment card with an interest rate of only 10% per annum. · Installment from 30 days to 12 months. · Registration only by passport. | · Limit up to 300 thousand rubles. 10% per annum · Delivery by mail or courier. · Grace - 365 days with monthly payments. · Delivery and service - free of charge. | Post Bank "Element 120" | · Clearance and receipt at the post office. · You do not need to prove income, 2 identity documents are enough. · Limit up to 300 thousand rubles. · Grace up to 4 months. | · Commission for issuing a 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. · Commission for withdrawing money - 5.9%. | Citibank "Cash Back" | · It is possible to call a courier at home to fill out a questionnaire and confirm documents, with subsequent receipt of the card by mail. · Grace up to 50 days. · Cashback for all purchases. | · Commission even for withdrawing own funds from 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. | Russian Standard Bank "Diners Club Premium" | · You do not need to confirm 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. · The borrower's age is 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. · There is no 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 debt for the entire period of use of funds. | · Limit up to 500 thousand rubles. · Rate from 23.99% per year. · The borrower's age is from 21 years. |
/ * Here you can add custom CSS for the current table * / / * Lean more about CSS: https://en.wikipedia.org/wiki/Cascading_Style_Sheets * / / * To prevent the use of styles to other tables use "# supsystic-table-32 "as a base selector for example: # supsystic-table-32 (...) # supsystic-table-32 tbody (...) # supsystic-table-32 tbody tr (...) * /
Tip: do not confuse QC options with mail delivery and online applications. In the first case, the workflow goes through the Russian Post, in the second - only the sending of the questionnaire and the preliminary decision of the bank, and in order to receive the card, you must come to the office with the documents.
How to choose the right option
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 several nuances:
- It is better to choose a bank that is popular among consumers and has more positive reviews than negative ones.
- Whether the cards are delivered to your home exactly by the Russian post or courier, is there a need to visit the office.
- How to get a credit card and get it: how long it takes to consider an online application, copies of which documents are needed and the main conditions for the loan product.
- How long does it take to send documents and activate the card.
Important! A credit card over the Internet with mail delivery cannot be instant. It takes at least 2 weeks to send the documentation. If you need money urgently, contact your bank or microfinance organization with a cash loan application.
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 application was approved and I received the documents. Completed everything and attached copies.
- Two weeks later I received a credit card, they gave me only 20 thousand rubles, but with the ability to increase the limit if payments were made on time. Hooray!
The best cards you can order by mail
From the above cards, we have selected 4 of the best. They are: Platinum from Tinkoff Bank, Conscience from Qiwi Bank, Element 120 from Pochta Bank, and 100 Days Gold from Alfa Bank. Let's compare them according to two criteria - the rate and the limit, and after that we will take into account other advantages and disadvantages in order to finally determine which of these cards is better.
Compare by rate
Tinkoff Bank | Qiwi bank | Post bank | Alfa Bank | |
---|---|---|---|---|
"Platinum" | "Conscience" | "Element 120" | "100 days of Gold" | Ready bet | 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 |
/ * Here you can add custom CSS for the current table * / / * Lean more about CSS: https://en.wikipedia.org/wiki/Cascading_Style_Sheets * / / * To prevent the use of styles to other tables use "# supsystic-table-5 "as a base selector for example: # supsystic-table-5 (...) # supsystic-table-5 tbody (...) # supsystic-table-5 tbody tr (...) * /
At the "annual rate", "Conscience" and "100 days of Gold" win. If the main and only criterion is to take the bet, then the "Conscience" card would be the favorite of all the cards presented here. The only thing is, 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 delays, 0.03% of the amount per day and a fine of 290 rubles are charged daily)
If you need a more universal card for all occasions, then the second option (“100 days Gold”) is more suitable.
Compare 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 |
Credit cards are the most popular banking product today. However, financial organizations do not stop there and continue to actively promote their credit cards. One of the most effective actions in this direction is credit cards by mail without certificates. This is beneficial both for us, consumers, and for the bank itself. We all understand that banks that send credit cards by mail to your home have a good income from this. However, the advantages of such an offer for customers are also obvious.
The advantage of "post" credit cards, first of all, lies in the ease of their registration (online) and availability for each client. After all, not every one of us has the opportunity to urgently collect the necessary certificates, find time to find a bank for a loan and study the terms of lending to solve our financial problems.
Obtaining a credit card online
To apply for a credit card online and receive it by mail at home, you need to take two simple steps:
- choose a bank with the most suitable lending conditions;
- fill out an electronic application on the website of this bank.
An application for online registration of a credit card with postal delivery is a simple procedure that involves filling out a standard application indicating the full name, type of credit card, amount of confirmed income, information about the place of work, work experience, address or bank branch where you plan to receive the card, and See also contact details. In some cases, banks require additional information, for example, passport data, the presence of immovable and movable property, and more. It is important to indicate real information, since the bank can check the data on income and work in a particular company and, if they do not match, not send the desired credit card. Also, before making an application, you should carefully study the information on the types of loan cards.
Do you urgently need to order a credit card with a passport with mail delivery, but you are poorly versed in the nuances of lending and do not want to waste your time studying such a serious issue? The website service consultants will help you choose and order a credit card by mail, taking into account the possibilities, additional offers and bonus programs of all available banks. We guarantee speed, reliability and affordable cost of the service. Make an online application through the Creditznatok website! Do not deny yourself the purchase of the necessary / liked things or services!
Currently, in some banks, credit cards are available for processing without refusal by mail or by courier directly to the home of the future holder. Credit cards with home delivery are very popular among the population of the country. And this is not surprising. These banking products are indispensable helpers in difficult situations. In addition, credit cards are very convenient to use, open up many additional opportunities for their holders, and also allow you to receive bonuses in various forms.
Most often, before going to any financial institution, people carefully study information about different organizations. Indeed, at present there are many banks. They all offer a wide variety of loan programs. If you need a means of payment quickly to order, a credit card by mail is the most convenient way. Only after the choice of the desired product has been made, the person usually goes to the bank to issue a credit "plastic". But you can not go to the banking structure for this at all.
There are banks where you can order credit cards online and then receive them by mail.
It turns out that the procedure for obtaining borrowed funds is completely simplified, a person does not even need to go out to order a card from home. In addition, almost all settlement funds, implying home delivery, do not require an income statement when registering.
Gold credit card Visa from Sberbank
There are not many banks that send credit cards without inquiries to your home. This is due to the great risk of such loans. For all people interested in this method of obtaining a credit card, we offer an overview of existing popular products.
Overview of maps that can be received by mail
Despite the fact that many banks promise to issue credit cards with home delivery to everyone, without exception and refusal, in the conditions of receipt there are still certain restrictions that you should pay attention to. At the same time, if you have a bad credit history with active delays, then you get too little chance of a positive response to an application for a credit card with home delivery. Pay attention to several banks that provide remote card issuance with home delivery, while having the lowest refusal rate.
Renaissance Credit Bank
It should be said right away that a credit card is not sent to a house by mail from this bank, but it is delivered to you by a courier directly to your apartment in any city. This bank is trustworthy and quite popular with customers, as well as its means of payment. Requirements for card registration:
- Age range: from 24 years old to 65 years old;
- Russian citizenship;
- Registration in the city of issuing a credit card;
- Permanent place of work and a period of at least 3 months.
To order this credit card, you only need a passport and an application. If you need a credit card online with mail delivery, there are other suggestions to consider. It should be noted that you can count on a positive solution to the issue if you have an income of 6,000 rubles. after taxes (for regions) and at least 10,000 rubles. (for Moscow residents). Credit terms:
- Annual interest rate from 29.9%;
- Service for a year is free;
- The funds limit is RUB 3,000-150,000;
- There is a period of free use of funds;
- The grace period is valid only for payments for purchases and services;
- Cash withdrawal: at your own ATM and third-party 2.9%, additionally paid 290 rubles;
- You can get cash per day up to 500,000 rubles, per month up to 700,000 rubles.
Credit card "Plusuy"
Before you receive a credit card by mail, carefully read all the terms of its use.
Credit use rules:
- The established payment every month is 5% of the amount spent in the reporting period;
- If delay is allowed, you will have to pay a fine of 750 rubles. and penalties that are charged every day.
The courier delivers the card within 14 days from the receipt of a positive decision. With this "plastic", you can connect to the insurance program, as well as receive information about transactions using SMS. The client does not have to worry about the security of all transactions, since the payment instrument is protected by modern 3D Secure technology. In order to maintain safety, financial institutions also send credit cards by mail with a valuable letter at the request of the client.
Pleasant moments in using the product are the program for calculating bonuses and cashback. From the funds spent on purchases, you receive points in the amount of 1% on the card.
They can be spent at the bank's partners. The client has 5% for purchases on promotions conducted by the bank and 10% for purchases on partners' shares. For the cashback service, 1% of the funds spent for any purpose goes to a credit card, 10% is returned from purchases of a certain product or service.
Tinkoff Bank
In the considered category of credit cards, one should pay attention to the means of payment of Tinkoff Platinum Bank. Here, interesting and favorable conditions are offered in order to issue a credit card with delivery by mail and successfully apply it in any payments. What you need to get a card:
- Age range: from 18 years old to 70 years old;
- Be a citizen of Russia.
To fill out an application for a card, only a passport and the application itself are required. The card has different annual interest rates, depending on the use of the money. Large sizes are set for cash withdrawals. Lending terms:
- Annual loan interest from 24.9%;
- The credit limit reaches 300,000 rubles;
- RUB 590 costs annual maintenance;
- Cash withdrawal from third-party ATMs 2.9% + 290 rubles;
- You can get up to 100,000 rubles per day.
Credit card "Tinkoff Platinum"
Such interesting conditions are provided by this credit card, delivery by mail arouses even greater interest in it. How to use credit funds:
- It is necessary to pay a monthly payment in the amount of 6% of the expense amount, but not less than 600 rubles;
- In case of non-payment of the minimum payment, a fine of 0.2% to 2%, depending on the violation, is threatened.
The Tinkoff Bank credit card will be received by the customer from 1 day to a week. Each will be sent an individual plan, which will include credit information. The percentage of receiving cash is different for everyone and depends on the client's ability to pay and decency. The bank provides an internet bank and an application for phones free of charge. Also, your friend can apply for and receive a credit card by mail by filling out an application according to your recommendation. In this case, both of you will receive 500 rubles.
The "Bravo" bonus program opens its doors to all owners of this credit card. Every month, points are credited to the card, this is 1% of the amount of purchases. These bonuses are used in the categories restaurants and train tickets. Discounts are also expected for credit card holders in the framework of Mastercard programs.
Bank Svyaznoy
A universal credit card with delivery by mail of Svyaznoy Bank can also be ordered on the Internet. This is a Mastercard system payment instrument with a validity period of 3 years, which has reliable protection using modern technologies. Conditions for receiving:
- "Plastic" is available to Russian citizens;
- Age from 21 to 65 years old.
In order to order a bank card by mail, you need a passport and an application for a loan. The credit institution also requires information about the borrower's phone numbers: mobile and landline.
Credit card from bank Svyaznoy
Bank loan conditions:
- The annual rate is 17.9%;
- Service for 600 rubles;
- Borrowed funds limit up to RUB 350,000;
- There is a grace period;
- Cash is received at ATMs with a 2.9% commission plus 290 rubles;
- The established amount of cash withdrawal: 100,000 rubles per day, 350,000 rubles per month.
This "plastic" allows you to store your own funds on it. They are charged 3% per year if the minimum amount is 10,000 rubles. It is very convenient to order such credit cards, an online application for delivery by mail is sent from your own computer, and the card will be sent to you immediately, after a positive decision of the bank, and you can already use the credit funds. Terms of use:
- For repayment, various types of rates are used, which the borrower chooses himself, they differ in minimum monthly payments;
- Delay penalties for each selected tariff are also different, starting from 400 rubles, and the penalty for violation of obligations is 20% per annum.
An online application for a credit card is filled in by mail on the Svyaznoy bank website or directly on our website. It should be noted that this credit card has many features. You should study them well. If cash is withdrawn in an amount of less than 3000 rubles, then the commission is already 2.9% + 390 rubles. When you activate the Plus service, the withdrawal is more than 3000 rubles. is free, withdrawal is less than 3000 rubles. will cost 100 rubles.
The loan limit and payment term for each borrower is set individually. There is no grace period for certain rates. Delivery within the Russian Federation by mail is free. Users of this product are provided with the Svyaznoy Club program, which accrues bonuses on purchases. Bonuses are also provided by the payment system.
Credit Europe Bank
This bank also assumes receiving a credit card by mail on the terms discussed below. Who can get a payment method:
- People from 21 to 65 years old;
- Mandatory Russian citizens;
- People with permanent registration;
- A permanent place of work is required (4 months).
Credit card "Card Credit Plus"
Required documents for registration of the card - passport and application for a loan. Passport of transport and income statement are also desirable. People with temporary registration can also issue a credit card, but on condition that they have a permanent job in the locations of the bank branches. The delivery of settlement funds is carried out by the Russian Post, a credit card, an online application for which is made in just a few minutes on our website, is sent by a financial institution immediately after approval. Loan conditions:
- Interest rate per year 39%;
- Credit limit 200,000 rubles;
- There is a grace period;
- Annual service RUB 850;
- Cash withdrawal from own ATMs 3.5% + 350 rubles, from third-party ATMs 4.5% + 450 rubles;
- Cash withdrawal limit of 60,000 per day.
Use of credit funds:
- The minimum payments are 5% of the amount spent, but not less than 200 rubles;
- Monthly interest is also payable;
- Payment is made at any time, no later than the due date of payment;
- The fine for late payment is 600 rubles;
- The annual rate for the use of funds in case of delay increases to 56%.
You can apply for a credit card by mail on our website at any time. It is considered quickly enough, after which the structure's employees get in touch with the client. This credit card makes it possible to buy goods in installments up to 12 months. Also, cardholders become members of the bonus program.
Alfa Bank
This credit and financial structure makes itself the decision to send customers a credit card or loan offer. In this case, the client must already work with this bank and fulfill the following conditions:
- Pay off consumer loan debt;
- Pay off debts on the existing card or close the bank card;
- At present, we must pay off consumer loan debt in good faith.
For such exemplary clients, the bank decides on a personal offer and the client can issue a credit card by mail, if he accepts this offer.
Loan conditions:
- Loan amount from 3000 rubles. up to 84,000 rubles;
- The loan rate is 19.9% -39.9%;
- Monthly service fee 1.99%.
Credit card "AlfaTravel Premium"
The owners of this "plastic" are given the opportunity to pay for purchases and services with a card, withdraw cash from various ATMs and cash points, including abroad. Cardholders are required to pay monthly payments on time. Otherwise, there will be fines and penalties that represent large sums. It should be noted that credit cards to your home by mail of Alfa-Bank are an effective help for conscientious customers. This financial institution does not issue its credit cards to unverified people in order to avoid problems.
Procedure for issuing cards sent by mail
Here you have chosen a bank from the review, which offers credit means of payment for you on acceptable terms. What's next? Any bank currently has its own website, internet bank and special mobile applications. Therefore, it will not be difficult to enter the website of the chosen organization. In addition, all banks have partners, so you can fill out an application to the bank, which allows you to receive credit cards without refusal by mail, directly on our website. It is necessary to enter personal data, information about work and income. In general, answer all the questions in the questionnaire.
It must be remembered that you should only provide truthful information, without embellishing the facts. Bank security checks all data thoroughly enough. And incorrect information can lead to the fact that the bank will lose confidence in you and you will never be able to get loans from it. After sending the application to the bank, after a certain time the manager will contact you by phone or receive an SMS. There are structures that, after preliminary approval of the application, require that you bring them the originals of the documents. And there are banks that send the card and the contract by mail.
When you receive your card, you sign the copy of the bank, after examining it. Then this agreement goes back to the bank along with copies of your documents. Everything is extremely simple. In order to receive the bank product sent to you, you usually need a passport. In the service of receiving the shipment, copies are made from your passport, it is possible that they will still take pictures of you. The service sends all documents with photographs to the bank structure.
Now you only need to activate the card and start using it. Activation is carried out either on the bank's website or by phone, where the operator identifies you and you perform all the operations that he offers you. At the same time, you receive a PIN code, or it comes with the card. Different organizations use their own procedures. When filling out an application via the Internet, you can do it in several banks at once. This will increase the likelihood of receiving your chosen means of payment.
Found a typo? Highlight and press CTRL + Enter
For most consumers, the most demanded is a credit card without visiting a bank, by mail or with home delivery by courier. And this is not surprising, because this method of obtaining a credit card is convenient. A potential holder does not need to collect a bunch of various documents and go to the bank in order to submit them for consideration. In this case, you just need to fill out an online application for the selected credit card and send it to the bank for consideration. When the decision is made by the financial institution, the client will be notified by phone call or SMS.
After that, all that remains is to wait for the postman to deliver the card in a registered letter or the courier arrives with the documents and the desired "plastic". The advantages here are obvious - a minimum of time spent on filling out and collecting documents is the main thing. True, it is often necessary to wait a while for the card to be issued and delivered.
Tinkoff Platinum credit card
In this material, we will consider which credit cards you can get without visiting a bank, by mail or by courier. In addition, from this article you will learn about the conditions for obtaining such products, as well as the requirements put forward by financial institutions to borrowers.
Credit card offers by mail without visiting the bank
In fact, not so many banks provide such a service as remote issuance of credit cards with postal delivery.
In some financial institutions, you can order "plastic" with a credit limit and wait for its delivery, while other financial institutions send credit cards by mail only at their discretion and only to selected customers.
Typically, these include existing customers of the bank, for example, bona fide loan payers or depositors. But it can also be clients of other banks who simply have an ideal credit history. Let's start our review with exactly those payment instruments that you can order online yourself.
TCS Bank and Tinkoff Platinum card
Perhaps this is the most popular and well-known credit card for home delivery without visiting a bank and without collecting numerous documents. True, you can get it not by means of postal delivery, but by a bank courier. But if there is no representative of the financial institution in your locality, then the card will be sent by mail. Such "plastic" is convenient for using it as a means of non-cash payment, since the grace period does not apply to cashing money. The main characteristics of a credit card are as follows:
- You can receive no more than three hundred thousand rubles with a card, but initially the limit will be low. Usually, when a credit card is activated, there is only 5 thousand rubles on the account of a new client, but over time the bank increases the limit;
- The term of interest-free use of bank money is 55 days. You will be able to use it only if all operations on the card will be carried out by bank transfer;
- Annual support for "plastic" costs only 590 rubles, which is quite profitable;
- The percentage rate differs depending on the transactions performed. If you spend them non-cash, then you will have to pay 24.9 - 45.9% per year. If the bank's money is cashed, then the rate will be from 32.9 to 45.9% per year.
Another great advantage is the fact that it is possible to issue a credit card without visiting a bank from the age of 18 and only if you have a passport.
No need for inquiries or additional documents. In addition, a bonus program works for the payment instrument, thanks to which the owner of the "plastic" receives 1% points of the amount back to the account when making any purchases.
Tinkoff Black debit card
Russian Standard Bank and credit cards: Classic, Student, Raspberry
This financial institution is the second in the list for sending credit cards by mail. Here you can order one of three cards with remote registration and delivery: Raspberry, Student or Mastercard Standard. The main characteristics of the cards are as follows:
- If you choose according to the maximum amount of the credit limit, then the highest is provided for "plastic" Mastercard Standard "- 450 thousand rubles. With the Malina and Student cards, you can get a maximum of 150 thousand;
- As for the interest rate, the lowest for student "plastic" - only 29% per year. For the other two, the rate will be 36% per year. These numbers are valid for cashless purchases. When cashing out money of a financial institution, the annual fee can go up to 58.9%;
- Annual support for standard "plastic surgery" will cost you 600 rubles, "Malina" costs 300 rubles a year, and a student card only 200 rubles annually.
- The term of interest-free lending is 55 days for all cards.
Any credit card is issued without visiting the bank; it will be delivered to you by mail within a few days after the approval of the application.
The only requirements of a financial institution for borrowers are the existence of a positive credit history and age from 21 years.
B&N Bank and credit card "Elixir Classic"
This is a rather prestigious "plastic" that can be issued remotely. But, despite the fact that the type of card is Mastercard Standard, it opens up many interesting possibilities for its holders. Basic credit card conditions:
- Credit on a card account does not exceed three hundred thousand rubles;
- You can use the bank's money without paying interest for 55 days, but only when making non-cash purchases;
- The interest for the money provided in loans is not too high, here it is only 22% per year;
- You will have to pay 950 rubles for the annual maintenance of a financial instrument.
Credit card "SVO Club Premium" from B&N Bank
Such a credit card without visiting a bank can be approved only on condition that you live and are registered in the city in which there is a branch of the credit institution.
Applications are accepted only from persons who have reached the age of 22, and are considered in the presence of a positive credit history in just a few minutes.
What other cards can be issued without visiting the bank
We have considered only the most common and most popular banks that involve remote issuance of credit cards. But there are several other financial institutions where you can order a credit card with postal delivery or delivery by courier or a bank representative. For instance:
- Home Credit Bank sends its credit limit cards by post. For cards of this financial institution, which can be issued remotely, the limit usually does not exceed 200 thousand rubles, and the percentage rate ranges from 34.9 to 44.9 per annum;
- Svyaznoy Bank implies the registration and issuance of a product such as a credit card without visiting the bank by mail after the approval of the application left on the website of the financial structure. The maximum credit limit for such a credit card is promised no more than 250 thousand rubles, and 600-900 rubles will have to be paid for annual support;
- OTP Bank, having received an online application for a credit card from a potential client, having made a positive decision, will immediately send it to your home in a certified letter. The cards of this bank are distinguished by a fairly high amount of the maximum limit. In some cases, it can reach 1.5 million rubles;
- Credit Europe Bank can send you "plastic" by mail, the limit of which does not exceed 200 thousand rubles, and the interest rate reaches 39 per year;
- Bank Renaissance Credit also distributes credit cards by mail. But to receive "plastic" with a limit of up to 150 thousand rubles and a rate of 29.9% per annum, you must already be 24 years old.
Platinum credit card from Bibank
In conclusion, I would like to add that a certain category of potential borrowers are afraid to receive credit cards in a postal envelope or by courier. Alertness lies in the fact that many suspect some kind of trick or deception. In fact, this is not the case. Receiving a credit card by mail is absolutely safe. In addition, upon receiving it, you also receive the terms of the contract, which you need to familiarize yourself with even before activating the "plastic". By the way, until you have activated the card received in the mail, it does not bind you to anything.
Found a typo? Highlight and press CTRL + Enter
- The use of customer-supplied raw materials for the production of finished products: accounting, consumption rates, write-off Reflection of services for the processing of materials
- Terms of payment of insurance premiums and submission of reports under the new rules
- Reminder of admission to off-budget (paid) places How to pay for tuition
- Online courses for accountants, distance accounting courses online, online training for accountants Accounting for cash transactions and transactions with accountants