How to properly apply for installment cards with home delivery

Rules for ordering an installment card via courier home delivery

The financial services comparison service invites you to apply for an installment card with home delivery by courier, using the advice and recommendations of experienced specialists in the field of providing financial services to the public. To fill out the online application, you must have a mobile device or personal computer with internet access.

1. Review the available offers from leading issuing banks.
2. Follow the link to the bank's website to fill out the application form.
3. Indicate the borrower's contact details.
4. Fill out the application form in accordance with the bank's requirements.
5. Select the delivery method in the application form – home delivery.
6. Submit the application and wait for your request to be resolved.

After the application is approved, several contract execution options will be available – at the office or remotely. Using the remote contract confirmation mode, you sign an electronic contract using a simple digital signature. Sending and receiving SMS messages is considered a simple digital signature. You receive a digital code to sign the contract, which must be sent in a reply SMS message or specified in a specially protected field on the credit company's website.

Your application has been approved, what to do next

Please note that the installment card with delivery for pensioners is not available for every region and not for every issuing bank. Home delivery is carried out by a courier service, and there may be some differences when signing the loan liability agreement.

1. The courier is a representative of the credit institution who has a number of powers, including full and limited ones.
2. When filling out the application, you must indicate the time and place of receiving the banking product.
3. After the courier arrives at your home, you must request identity verification documents that indicate authorization from the bank.
4. The courier has the right to draw up a liability agreement and request the signing of a paper copy of the agreement.
5. The courier hands over detailed instructions to the borrower on how to activate the installment card.
6. The installment card is handed over to the borrower in a sealed envelope containing secret and operational information for activating and further using the banking product.
7. If necessary, the courier can help the borrower understand the basic management functions of the banking product.

The PIN code information is unknown to the courier. All secret information is available only to the borrower in a sealed envelope. To activate the card, the following schemes are available in accordance with the bank's terms:

• The borrower performs any transaction using the PIN code, including free transactions.
• The moment of card activation is the first purchase in a store.
• For activation, you must use the bank's website, where you need to enter the operational information from the letter in the envelope in a secure field.
• You need to call the credit institution operator, where you will need to perform certain actions. An operation using the commands of a robot that performs operations and gives prompts to the borrower via the hotline number is also available.

The courier has no right to perform other actions to activate the card. It is recommended to get additional help by calling the hotline.

Which banks offer home delivery services for installment cards?

Today, the installment card banking product operates in 4 credit institutions. The delivery service operates in all credit institutions, including with certain restrictions.

1. Alfa-Bank, "Vsego Dengi" card. Currently, the card is in archival status, and its issuance is suspended. The card remains valid for those who previously issued the banking product at the credit institution.
2. QIWI Bank, "Sovest" card. Since the issuing bank does not have its own branches in Russia, only courier delivery is provided. Courier delivery does not operate in all regions. When filling out the application, you must clarify the availability of this option not only for your region of residence, but also for the delivery city. Delivery is carried out within 7 working days. For delivery, it is recommended to indicate the applicant's home registration address.
3. Home Credit Bank, "Svoboda" installment card. Courier delivery is available only in regions where the credit institution is present. There are some special features. Thus, courier delivery is provided only for the first order of a banking product at the credit institution. If you have other cards and have previously used the services of Home Credit Bank, the banking product will have to be picked up only at the office.
4. Sovcombank, "Halva" card. Courier delivery is only available in the city where the credit institution is present. Unfortunately, the list of such cities is limited; nevertheless, the bank is expanding courier delivery across the regions of Russia. When filling out the application, check the possibility of courier delivery for your city of residence.

What delivery locations are available for the installment card? In most cases, the bank requires your presence at the permanent registration address. In some cases, delivery is possible to the address of temporary stay, which is confirmed by the migration service data of the Ministry of Internal Affairs of Russia (insert certificate in the passport). Delivery of the card to your office where you work is also possible. Before setting off, the issuing bank sends information to the borrower via SMS about the day and time the courier will arrive. The borrower and the courier exchange phone numbers to promptly resolve the meeting issue.

In which cases does a bank deny an installment card?

Unfortunately, after the preliminary approval stage, you may be denied the issuance of an installment card with home delivery. Within 1 hour after preliminary approval, the bank operator reviews your application in detail, and a refusal may follow. The reasons for refusal may be the following factors:

• Incorrect passport data was specified when filling out the application. It is recommended to indicate passport data exactly as written in the official document, for example, indicate the month with numbers instead of words (July=07), etc.
• The courier delivery service is not available in the region of residence. In this case, the bank will offer to visit the office or choose postal delivery. In some cases, the bank refuses due to the lack of bank branches in the region, or there are restrictions on the marketing campaign for the specified region.
• You have a good credit history, but a very high current debt load, for example, open loans in other Russian banks.
• You have a bad credit history, which currently affects the review of the application.
• There is no stable source of income.

A bad credit history is not the main factor for refusal, but in this case, the credit institution may approve a minimum credit limit starting from RUB 5,000 to RUB 10,000.

This financial services matching service invites you to apply for installment cards with home delivery. Enjoy favorable lending terms from issuing banks, where you use credit funds while making evenly distributed payments for your purchases interest-free. It is recommended to stick to the debt repayment schedule so that the bank can approve a higher credit limit and offer better loyalty program terms in the future.

If the bank declined your preliminary application, try reapplying in 30-45 days. This is due to the bank's specialized scoring system that checks the borrower's solvency using available sources.