Credit card by mail without visiting the bank

It is probably difficult to find a person who has not yet had time or does not plan to use a credit card. Credit cards have long established themselves, it is easy to make purchases with them both on the Internet and in regular stores, and pleasant options such as an interest-free grace period or cashback will become an additional motivator to make a purchase using it. Many giants of the banking market have a "credit card by mail without visiting the bank" option.

With it, you can avoid visiting the office and waiting in line to submit documents, which greatly saves time and nerves of customers. And for banks, the option brings additional income at the expense of customers who can be credited in settlements where the company is not yet represented, thereby saving on opening offices and salaries to employees. In the article, we will consider the conditions under which a credit card is provided at Post Bank, how it can be ordered, and what are the pros and cons of the service.

Delivery by post of bank credit card Element 120.

In Post Bank, you can arrange for the delivery of a card by mail to the credit product "Element 120". According to the conditions provided, this option differs from the one drawn up on the spot, but the plus is in the speed and simplicity of drafting the initial request.

The Element 120 product gives the client the opportunity to receive an amount from 15 to 500 thousand rubles at 27.9% per annum. The amount can be specified exactly in the amount that the borrower requires.

It is remarkable that the limit on credit cards is higher than the average offered by other organizations for similar services, while proof of income is not required, it will be enough to indicate the place of work and length of service.

Conditions for issuing a card by mail.

The product has a grace period of 120 days, during which you can use your credit card for non-cash payments without interest on the use of funds. Interest is charged in case of non-payment during the grace period.

There is a minimum monthly payment of 5% of the principal debt, accrued interest is added to it.

• For cash withdrawals at ATMs of any bank, there is a commission of 5.9%, at least 300 rubles.
• Annual maintenance of the card costs 900 rubles.

Video: about the capabilities of the Element 120 card.

Online application procedure

To receive a credit card by mail without a visit to the bank, go to the bank's page pochtabank.ru, in the top line, click the "Online Application" button. In the window that appears, you must consistently fill in all the fields.

You will need to enter:

1. personal data (last name, first name, patronymic, date of birth);
2. contact details (phone, e-mail);
3. passport data (series and number of the passport, address of registration);
4. information about the employer (name of organization, your work experience);
5. additional information (SNILS).

The process of issuing a card by mail.

Contact details must be indicated by those that you use constantly - when applying for them, you will receive a confirmation code to continue the procedure.

All information must be carefully checked before sending, do not provide fictitious data - the bank's security service will find out instantly and the loan will be denied. After filling in all the fields, click "Submit". Your request has been accepted.

How to get a credit card in the mail

Processing the request takes only a few minutes, after the necessary minimum verification, an employee will call you back and specify which post office to send your card to.

Receiving the ordered bank card at the Russian Post.

The contract is signed exclusively by the person who submitted the application. Third parties, including close relatives, cannot get a credit card for him.

Use and repayment of the loan

You can work with credit cards received by mail from the moment they are activated at the post office. They can pay for any goods and services in stores and virtual sites or cash out money. Post Bank has more than 1,500 partners in Russia that provide favorable service conditions in cafes, shops and service centers, and about 2,000 more around the world.

You can pay off the card through the ATM of the Bank's Post, the money is credited to the bank account within one day. Another convenience is that you can repay not only with the help of a card, but also by the contract number.

Pros and Cons of Getting a Credit Card in the Mail

The obvious advantages of receiving a card by mail include:

1. the ability to choose a lending program on your own, without a persistent consultant;
2. there is no need to collect a package of documents confirming the work experience and official income;
3. no need to go to the bank to apply and wait in line;
4. if there is no bank office, then it becomes possible to apply for a loan by mail.

However, it is worth considering the disadvantages of applying for a credit card remotely:

1. increased interest rate. Banks insure themselves and deliberately charge higher rates for mail-order credit cards, on average, the rate will be 4-5 points higher than similar offers from the company.
2. floating interest rate. It can be changed depending on a number of factors - the grace period, late repayment, the way the loan is used.
3. there is a service charge;
4. significant penalties for late repayment. In the Element 120 tariff, the penalty for debt and interest is 20% per annum.

After evaluating all the advantages of filling out a quick application and receiving a credit card by mail, we can conclude that ordering it is quite convenient, if the increased interest rate does not bother you. A competent approach to choosing a tariff, quick and convenient filling out of the questionnaire, which does not require any originals or scans of documents. All this makes the option of receiving a card by mail in demand and quite popular among Post Bank customers. When using it, it is important to make payments to credit cards on time, then you will be able to avoid fines and a damaged credit history.