Installment card by mail to any region of the country

What to look out for when filling out an application for a mail-delivered installment card

When choosing a banking product, you will be asked to fill out an application form. At the end of each form, the bank client will be offered delivery and receipt methods – a branch of the credit institution, courier delivery, or postal service. The online application involves filling out the following borrower information:

• Passport data of a citizen of the Russian Federation.
• Registration address in Russia.
• Full or part-time employment.
• Desired credit limit amount.
• Contact information of the applicant.
• Other information.

The approximate time to fill out the application will be no more than 10 minutes. The main condition is that you provide truthful information so that the issuing bank can determine the realistic approved credit limit and increase the likelihood of online application approval.

How to properly use the mail delivery service for an installment card

To use the postal delivery service for an installment card, you must select a convenient delivery method for the banking product when filling out the application. During the online application process, check the box for the delivery method, if provided by the issuing bank's marketing campaign terms. The borrower will not be charged any additional fees or commissions when choosing this delivery method.

• The card will be delivered without visiting a branch and without using a courier service.
• There is no need to negotiate courier delivery schedules.
• Not every bank provides this service.
• Delivery time will depend on the postal service operations.

Pay close attention to this final point. The sole delivery operator for installment cards via mail is the Federal Agency "Russian Post". Delivery times depend on the operating conditions of your local post office in the region. The issuing bank sends a registered letter tracking number to the client, allowing them to track the transit of the postal package. The minimum delivery time is 5 days, and the maximum is 30-45 days. Exact timelines depend on the operating conditions of your post office in your region of residence. Some credit institutions use private postal operators. You will be notified additionally via SMS about which operator will deliver your registered letter, along with a tracking code to check it on the postal operator's website.

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How the installment card agreement will be signed with postal delivery

Many of you have the opportunity to apply for an installment card by mail, but everyone is interested in how the agreement will be signed. For these purposes, a simple digital signature method is provided via the exchange of SMS messages. Currently, the legal status of recognizing a simple digital signature as equivalent to a borrower's handwritten signature has been approved.

1. The borrower specifies a mobile phone number in the application form, which will be used for signing via a simple digital signature.
2. The phone number and mobile device must be configured to receive and send standard SMS short messages.
3. By sending an SMS reply message, the borrower signs to confirm their legal capacity.
4. The issuing bank operator sends a secret digital code to the borrower.
5. The borrower must send a reply message to a short number or enter the received SMS code data in the secure field of the installment card website.
6. An email address must be provided during registration.
7. A printable version of the agreement will be sent to the registered email, which can be printed out if necessary.
8. The start of the agreement's validity period will be considered the moment of installment card activation or the first purchase made with the card (conditions vary by issuing bank).

Your card will only be active once you receive the plastic card by mail and perform the necessary steps. Detailed activation instructions will be enclosed in the envelope and must be followed according to the terms of the electronic agreement signed earlier.

The procedure for card activation via mail

After receiving the installment card, you have the banking instrument in your hands, but it does not have activation elements, meaning the terms of the agreement are not yet in effect. The envelope will contain detailed instructions on how the banking product activation takes place. There is no single activation scheme; you will need to review the agreement terms, which will specify which activation moment carries legal force.

Most often, the following operations are used for activation:

1. The borrower performs any transaction where entering the card PIN code is required, even a free transaction.
2. Using the online Personal Account, you need to execute the corresponding commands (instructions will be included in the letter).
3. Sending any message from the phone number where you need to specify the card number (not to be confused with the PIN code).
4. A phone call to the bank, activation via an automated robot or a live operator.

Only one method of activation is provided by law. To properly activate an installment card delivered by mail, read the agreement and instructions in the registered letter.

Which banks deliver installment cards by mail

Today, the most popular installment cards are offered by two banks:

• Sovcombank and the "Halva" installment card.
• T-Bank and the "Tinkoff Platinum" card

Sovcombank delivers the "Halva" installment card to almost all regions of Russia, as this banking product has the largest number of partner stores. We still recommend checking whether postal delivery of the Halva card is possible for your region. In the bank's online application form, specify the delivery method as "mail" and select your region. If your region is not in the list, courier delivery is available to you, or the card can be picked up directly at an office.

T-Bank delivers cards by courier in almost all regions of the Russian Federation. You can check whether delivery is available in your region on the bank's official website.

The financial product comparison service invites you to review feedback on installment card delivery by mail and submit an online application. Follow the link to the partner bank's website, fill out the questionnaire, follow the specified instructions, and receive your installment card through the postal network. Remember that postal delivery has a long waiting period for the banking product, and a different activation procedure is provided after receiving the card in person.