To get a credit card, it is not necessary to visit a bank branch, you can use a more convenient method - apply for a credit card without visiting the bank. This is a convenient program, when using which the client receives the product remotely. An application for a card is sent online, and upon approval, the payment instrument is delivered to the client by courier.

How does remote registration work?

You can apply for an online credit card without visiting the bank using the universal application form on this page. Your application will be reviewed by all banks in the city, so the probability of approval is extremely high. In addition, this is your opportunity to get the most profitable product with the most suitable service parameters.

How to get a credit card online without visiting a bank:

1. Fill out the application form and submit it for consideration.
2. Wait for the answers of banks, if there are several approvals, choose the best product.
3. Wait for the delivery of the card.

The payment instrument is delivered by courier service. Upon receipt of the card, be prepared to provide the necessary package of documents (usually remote type cards are issued without certificates). Delivery is made within 1-2 days after approval. If the bank sends the card to the client by mail, please note that delivery by this method takes 3-7 days.

You can submit an online application for a credit card without visiting the bank at any time. You do not need to adapt to the schedule of banks, you apply for a credit card at a convenient time for you personally. Approval on the application can be found out literally in 10-15 minutes. Remote clearance cards are usually urgent products that are issued with a minimum set of documents and without the presence of guarantors.

Today, the technical support of the services of many banks allows a potential client to issue a credit card via the Internet without leaving home. And yet, some users are wary of this service.

Why is this happening? First of all, because in Russia this opportunity has appeared recently, especially in comparison with other countries where credit cards received by mail or courier have long been a common banking service.

One way or another, if a person has previously resorted to loans, then he has formed a certain credit history (abbreviated as CI). Before issuing a loan, banking and financial organizations check the information about each potential client in the credit bureau.

Details of all loans individual and their maturity dates are usually stored in the database for at least 10 years. Analyzing information about potential borrower, the bank employee decides whether to give him a loan or not. But what about those who, for some reason, have already delayed the payment of loans, evaded payments or repaid the debt in court?

Do not panic: if you have blocked all current delays, or delayed payments by only a day or two, then many banks will be happy to cooperate with you. Today, competition in the financial and credit sector is so high that organizations are ready to literally "fight" for new customers.

One has only to enter in the search query: "credit card mail with bad credit history» or »credit card with bad credit card«, and you will see many banks willing to provide such services. We will discuss these proposals below.

Where to order a credit card?

The easiest and fastest way is to send the data online and order a credit card without inquiries by mail. If there is a bank branch in locality where the customer is located, it can also be delivered by courier. In this case, the envelope containing the contract and the pin code will be handed over to you personally.

List of credit institutions offering remote registration plastic cards, great. The first four are:

• Russian standard.
• Renaissance Credit.
• MTS Bank.

To apply for a credit card, just visit the website of the selected bank and fill in the application form with all the necessary information. Usually, the applicant is required to provide passport details, address of registration and residence.

Let's take a closer look at some of these suggestions.

Tinkoff Bank

For those who are more comfortable ordering a credit card, Tinkoff Bank is ideal. There are over 4 million customers here, and most of them are holders loan products. Tinkoff Bank boasts a high percentage approval of applications. Usually a positive decision is issued even to customers with a bad credit history.

The credit limit of the card can reach up to 300,000 rubles. But do not flatter yourself and hope to receive this amount at the first appeal. The bank sets it individually, based on your income and current payments on other loans. When applying, you indicate the desired limit, but the bank can reduce it. You will know the final amount on your card only after the approval of the application.

Typically, financial institutions set the amount of credit card limit at the level of two months of the client's salary.

Current loan payments, low income, dependents, and other factors usually reduce this amount. But if you are a borrower with a positive CI, the amount of borrowed funds, on the contrary, can be increased. Term grace period on Tinkoff map is up to 55 days.

If you do not know what a grace period is, let's look at the issue in more detail.

A grace period or grace period means that you can spend money from a credit card and still not pay interest to the bank for a certain period of time. How to use the card so as not to overpay? First of all, it is important to understand that the grace period only applies to in-store purchases or online payments. For example, you spend 1000 rubles in a store through a bank transfer. If you return this amount within 55 days, you give the bank only the money spent.

But even here there are difficulties. To avoid paying interest, you need to know the start date of the billing period. It is indicated in the payment history, or you can find it in the support service. For example, if you made a purchase on a credit card on August 8, then it will be possible to return the full amount of the debt within the grace period until October 3.

In this case, you will not have to pay interest. In some organizations, this period may be slightly less - 50 days, or more - 60 or even 100 days. But the principle remains the same. The main thing to remember is that this benefit does not apply to cash withdrawals at an ATM or through a cash desk.

The monthly payment on the Tinkoff card is up to 8% of the debt. This means that at the end of the grace period, every month you will be assigned a certain payment, which will need to be deposited into the account.

It depends on total amount debt, but, on average, in Tinkoff Bank is about 6%. In different situations, however, the organization may request a larger amount.

Therefore, in the conditions for issuing a credit card, they usually indicate a rate of up to 8%. It is important to remember that you can deposit more than the specified amount (if you have such an opportunity), but not less. Otherwise, you will have to pay fines later. The amount of the minimum monthly payment varies from bank to bank.

The annual maintenance of the card at Tinkoff Bank is 590 rubles. This amount is mandatory, regardless of how often you use this product. Such a fee exists in most banks, even for debit cards. The delivery time of the card at home ranges from 1 to 7 days. Usually it depends on the remoteness of your locality.

The annual interest rate on a credit card can vary from 19.9% ​​to 49.9%. The rate is set individually for each client.

Tinkoff Bank makes the following requirements for the borrower:

• age from 18 to 70 years;
• the presence of a permanent or registration on the territory of the Russian Federation;
• Russian citizenship.

Of the documents to be submitted to the bank, only the passport of a citizen of the Russian Federation is mandatory. Additional documents will allow you to get a credit card for more favorable conditions, but it is not necessary to present them.

Also in Tinkoff there are no requirements for official employment. This means that you can be a housewife, a retiree, a student or not officially employed and still get a credit card.

After filling in all the fields of the application on the site, it should be sent to the bank. After a few hours, a specialist will call you back, clarify the data and draw up a questionnaire for obtaining a card. Within a few days, the application will be considered. Once approved, you will receive a call with the terms and conditions, as well as the date of issuance and delivery of the card.

MTS Bank

MTS Bank became the second most popular among borrowers with poor credit scores. Here you can get a map. The advantage of this product is that the majority of submitted applications are also approved. An application can be submitted via SMS, and the card itself can be received in the MTS salon.

The key characteristics of a product are usually:

• Credit limit - up to 300,000 rubles. Installed individually.
• The grace period is valid only for purchases and does not exceed a period of 51 days.
• Minimum monthly payment equal to 5% of the total debt, but not less than 100 rubles.
• The first year of use is free of charge. For the second and subsequent years of owning a credit card, they will begin to write off 700 rubles from you.
• The interest rate on the card will be from 23% to 36% per annum. It is also set individually.

Like everyone else, MTS Bank has certain requirements for the borrower. We list the main ones:

• The presence of a passport of the Russian Federation.
• Age from 18 years old.
• Permanent registration on the territory of Russia.

Subtleties to know

Some banks are ready to issue a credit card immediately after providing the most minimal package of documents. Most often, only a passport of a citizen of the Russian Federation is required. In the absence of serious problems with the user's credit history, you can count on the approval of the application. However, it is important to remember that in this case the credit limit on the card will be minimal. Thus, the credit institution is trying to neutralize the possible risk of non-repayment of the debt.

It is important to take into account an important point: when issuing a plastic card by mail without certificates and guarantors, you should not count on the preliminary consulting assistance of specialists from the customer support center.

However, filing an application via the Internet gives a potential client another advantage in return: you can carefully study all the details of the contract and the nuances of banking offers. Therefore, it will be possible to issue a credit card in a relaxed atmosphere, without experiencing the pressure of a bank specialist, who sometimes needs to convince the client to conclude an agreement at all costs.

Should I be afraid?

A credit card by mail without visiting a bank is a full-fledged financial instrument that is in no way inferior in functionality to a credit card issued at a bank branch. It also has all available degrees of protection.

Those who are afraid that the sent envelope will fall into the wrong hands should remember: fears are in vain. The card will be activated only after the recipient presents the original passport or other identification document, and also signs for the receipt of the parcel.

In addition, after activation, the card will be bound to the applicant's mobile phone number without fail. It is this number that the client of the bank must indicate when entering data into an application for a credit card. All actions to activate the card are duplicated by sending an SMS notification to this number.

In the absence of a confirmation sent from the bank user's phone, it is impossible to receive funds using a non-activated card.

Credit cards mail sent exclusively by registered mail with notification. It is impossible to use non-activated plastic. Only the owner can receive it at the post office and only with a passport. Upon receipt of plastic at the Russian Post office, you need to sign the receipt, thereby confirming that the envelope with the contract has been received.

If the card is delivered by courier, then upon receipt of the card, the client must personally sign the contract. The signed agreement will be delivered to the bank branch. Only after it will be activated. The transfer of the envelope occurs strictly from hand to hand.

Conditions for obtaining a loan

Different banks have different requirements for getting a credit card online. Some types of credit cards can be obtained simply by a passport. True, the limit on them is small. And yet, if your requirements are not too high, then by presenting only one passport, you can still apply for a card without leaving your home.

If a potential client succeeds in documenting work experience in one place for more than six months and an average wages at the required level, you can get a card with a more impressive limit.

This can be done by providing an official certificate of size. average salary. You can get it in the accounting department of the organization at the place of requirement.

In some banks, people who ordered credit cards at home are asked to provide a scanned copy of their passport or a photocopy of the document. This requirement is also valid. It gives financial organization a reason for greater confidence in a potential client. This means that the amount available for a bank user will be more than for a person who limited himself to only entering passport data in the application form.

Important nuances

Credit cards received by mail without a visit to the bank are best used for cashless payments. For example, to pay for goods in stores or services through online accounts. Many banks today use bonus programs that allow you to partially recoup the client's costs.

Settling bank card, a person receives bonuses, which are then returned to the current account. The same points can be used as a discount or to pay for goods and services in companies that have entered into a partnership agreement with the bank.

If the card is supposed to withdraw cash, then you need to consider that the amount is issued minus interest. What percentage the bank will take for cash withdrawals can be clarified in the contract that is attached when it is issued.

Passport Application

Up to 700,000 rubles

Issuance automation

The process of issuing credit cards is simplified as much as possible. Borrowers are exempt from collecting certificates confirming solvency and searching for guarantors. Caring lenders value the precious time of their clients and deliver payment instruments to the place of residence of applicants by courier or post. It is issued without visiting the bank remotely in 1 day. Quite democratic requirements for applicants provide access to borrowed resources not only for employees, but also for pensioners, students, and entrepreneurs.

Order a credit card without visiting the bank at home

Those wishing to order an online credit card at home urgently without visiting the bank should take simple steps:

• prepare a passport and a mobile phone;
• choose an attractive banking program;
• fill out a simple request form on the website of the institution you like;
• wait for an SMS or a call about opening a revolving line of credit and a certain spending limit.

It remains to receive a card along with an agreement from a courier or postman, activate the payment instrument according to the instructions and start using plastic.

Online application for a credit card without visiting the bank

Users in 10 minutes cope with the preparation for issuing a credit card without visiting the bank office. The application should indicate the desired borrowing limit and answer the questionnaire questions regarding:

1. personal characteristics;
2. contact information;
3. passport data;
4. source and amount of income;
5. current obligations and other expenses of the applicant.

After submitting a request for consideration, it is worth keeping the phone in working order. An employee of a financial institution can call back to clarify any information.

Applying for a credit card without visiting a bank

A positive result of remote issuance of a credit card with a revolving balance without visiting a bank branch awaits applicants with the following characteristics:

• full legal capacity;
• age of majority;
• citizenship of Russia;
• valid registration on the territory of any subject of the Russian Federation;
• permanent income;
• at least 3 months of work experience at the current workplace.

Loyal lenders are ready to trust even applicants with a problematic financial biography.

Getting a credit card without visiting a bank

The initial amount of spending is set based on the information received about the new user, and usually does not exceed 2-3 monthly salaries. However, active borrowers have increased chances for a further increase in the lending limit, provided that there are no delays in mandatory payments. After successfully obtaining a credit card with home delivery without a personal visit to the bank, you must carefully study the terms of the agreement in order to ensure the safe and most profitable use of the loan.

In case of any problems with the use of the card, you should immediately call hotline according to the number indicated on the back of the plastic.

Open a credit card without visiting a bank using a passport

Applicants who wish to open a credit card with a passport from an employer and visit a bank receive many benefits:

• round-the-clock access to borrowed amounts;
• a long period of free use of credit for non-cash payments;
• insignificant overpayment in case of quick return of cash withdrawn from an ATM;
• low interest rates that do not exceed the cost of ordinary consumer loans;
• non-burdensome minimum payments;
• symbolic annual service fee;
• the possibility of self-management of obligations (without delays in monthly installments).

Additional benefits for credit card holders are brought by bonus programs and promotions of enterprises - the issuer's partners.

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A visit to a banking institution is accompanied not only by a waste of time, but also by the need to collect a lot of paperwork to apply for a loan. Therefore, it is easier to order a credit card without visiting the bank - now it can be done directly on the official website of the institution.

How to get a credit card without visiting the bank

In order to reach the widest range of customers, banks began to offer more and more remote services. Possibility to send online application to get the right type of credit card - just one of them. This is very convenient, especially since most offer free delivery of the selected card by courier or by mail directly to your home.

Features of the online application

To obtain desired card, you need to go to the official website of the bank and. It requires you to specify:

• your personal and contact details;
• information about the passport and additional document;
• your place of work, position and approximate monthly income;
• location;
• estimated loan amount.

The degree of detail of the application form for obtaining a credit card without a visit to the bank varies depending on the institution.

What documents to prepare

As for documents, three main ones will be needed:

• passport;
• second identity card - SNILS, foreign passport, policy, etc.;
• employment information.

Some banks, including Tinkoff, Touch, Alfa-Bank, do not require mandatory confirmation of income. But, for example, in Raiffeisenbank and UBRD, one cannot do without a 2-NDFL certificate. Other institutions, such as Post Bank, VTB, Citibank, allow the use of alternative methods - the provision of account statements or tax returns.

What to look for in a contract

When filling out a questionnaire for a credit card without visiting a bank, you should pay attention to the following points:

• is there free, by mail or is it necessary to pick up the card at the branch;
• the time of production and arrival of the credit card;
• documents that must be presented in order to receive plastic (most often a passport is enough, but UBRD definitely needs a certificate of income).

It is necessary to study the loan agreement itself, focusing on such aspects as:

• the size interest rate in case of non-cash payment and withdrawal of funds;
• the duration of the grace period and the procedure for calculating it (most often - from the reporting date, but in VTB and Alfa-Bank - from the date of the actual purchase);
• the cost of service and the conditions under which you do not need to pay for the card;
• whether the grace period is preserved when withdrawing cash;
• where can I cash out the card;
• fines and penalties for late payment.

Specify in what ways you can repay the debt and the maximum term for transferring money. This will help you navigate and pay for the loan in advance to avoid delays.

Where to get a credit card without visiting the bank

The list below contains the best credit cards from banks included in the TOP-100 in terms of equity capital. All of them can be issued online on the websites of institutions. The review contains the main points regarding tariff plans, delivery conditions and features of debt repayment.

Tinkoff Platinum

One of the most popular offers on the market, which is available without visiting an institution, is the Platinum black card offered by Tinkoff. Its parameters are:

• rate - from 15% for settlements and from 45% - for cash withdrawals;
• grace period - 55 days from the date of the report, terminates upon cashing out;
• limit - from 5,000 to 300,000 rubles;
• maintenance fee - 590 rubles per year;
• cashback (in the form of Bravo bonuses) - 1% of each purchase.

You can get plastic without a visit to the bank, delivery is carried out by courier directly to the house. A credit card is available for issuance for customers aged 18 to 70 years, no need to confirm the presence of income. The initial cash limit will be small, but gradually, with the active use of a credit card, the amount of available funds will be increased.

Touch Bank - Credit

You can get a credit card at home without visiting the bank, after filling out a short questionnaire on the institution's website. The tariff plan is as follows:

• rate - 12% per annum;
• interest-free period - 61 days;
• the maximum limit is 1 million rubles;
• service - 250 rubles per month.

If there is more than 50 thousand rubles on the card account or expenses on it are allowed in the amount of 30 thousand or more, then Touch Bank returns the service fee taken.

There is a cashback service - just select any operation in mobile application and receive compensation. 1% of purchases are earned as points.

Raiffeisenbank

If you need cash for everyday expenses, then pay attention to the corresponding Raiffeisenbank plastic, which can be applied for online without visiting the bank.

Cash

You can withdraw money from it without commission at any terminal of the institution. Other options:

• rate - minimum 29%;
• service fee - 890 rubles per year;
• SMS informing - 60 rubles per month;
• cash withdrawal in "foreign" ATMs - 0.5% of the withdrawal amount.

The requirements for a potential holder are quite strict:

• age - only from 23 years;
• experience - more than 3 months in one place;
• net income - from 25 thousand rubles;
• Proof of income and permanent residency are required.

Additionally, a classic credit card with a minimum limit will be issued as a bonus. There is no service charge.

If you need a more familiar option, then you can issue an appropriate credit card without a visit to the bank called 110 days.

110 days

Its advantages:

• long grace period - almost 4 months;
• no service fee for card expenses from 8000 rubles. (otherwise - 150 per month);
• cashback up to 30% when paying with partners;
• instant issuance on the same day.

The interest rate is 28%, but if you manage to repay the loan within 110 days, then you won’t have to overpay for anything.

Requirements for the borrower are similar to the previous proposal.

VTB - Multicard

VTB offers a universal card that can be issued without a visit to the bank. Its main advantage is that you yourself can choose which bonus program to connect:

• cashback up to 2% for any purchases;
• increased cashback of 10% in the categories Auto and Restaurants;
• additional bonuses (up to 4%) in bonus program Collection;
• award miles (up to 4% more);
• increased rate - 8.5% per annum - on a savings account.

The option can be changed every month.

Directly Multicard tariff plan:

• rate - 26%;
• interest-free period - up to 50 days (until the 20th day of the month following the purchase, i.e. the report is kept from the 1st day);
• possible limit - up to 1 million rubles (calculated individually).

There are no special requirements for clients, except for reaching the age of majority.

Post Bank - Element 120

Especially for lovers of cashless payments. Its advantages:

• long interest-free period - full 4 months (report from the 1st day);
• fixed rate - 27.9%;
• possible limit - from 5 to 500 thousand rubles.

The service is completely free. The minimum payment is 5%, it must be made every 30 days, even if the grace period lasts.

The cost of delivery to the threshold of the house is 500 rubles. If you pick up a credit card at the branch, then no fee will be charged.

UBRD - 120 days

Another card - the record holder for the length of the grace period - is offered by the Ural Bank for Reconstruction and Development. General credit conditions:

• amount - from 30 thousand rubles;
• grace period - 120 days (from the date of purchase);
• cashback - 1%, paid without limits on the amount and accrued on any purchases;
• payment - 3% of the debt, including during the 120-day period;
• service fee - 1900 rubles, compensated for expenses on the card from 150,000 rubles during the year.

The rate and the maximum limit depend on the documents provided by the borrower. Without income statements, the rate will be 32%, and maximum amount- 100,000, with a certificate - 27% and 300,000.

Conclusion

Thus, if you need a credit card without visiting a bank, then you can safely contact VTB, UBRD, Post Bank, Tinkoff, Touch and a number of other institutions. If the site has a form for filling out a questionnaire, then you can order a credit card remotely. Pay attention to the terms of the contract and delivery options. In most cases, there is free courier delivery, after arrival, the card will need to be activated online.