How to apply for a credit card online with home delivery - creditnice.co

Credit cards have long been popular with bank customers and are a convenient financial tool. With their help, consumers can carry out any operations for paying for tourist trips, large purchases, education and medical care.

The main feature of credit cards is that the client can . You can get them under different conditions and in different ways, including on the Internet.

In this article, we will talk about the main advantages and disadvantages of this type of lending, consider banks that provide online credit cards with home delivery, and also touch on other important aspects.

Advantages and disadvantages of credit card registration

The presence of the card allows the client to use the funds at any time to make payments and make purchases. If a traditional bank loan takes a long time to prepare and wait for an answer, then getting a credit card is much faster and easier.

Yes, many modern banks offer their customers online services - for this, it is enough to fill out a simple form on the website and order delivery of the credit card by courier. In this way, you can save time visiting a bank branch and waiting in lines.

Cashless payment is one of the most convenient and usual ways of paying for goods and services. Credit card owners have a significantly increased confidence in their ability to pay, but one should not forget about the limit, which is set individually by each bank, depending on the needs and credit history of the consumer. As a rule, it can be increased if the client did not allow delays and observed financial discipline.

Like all types of lending, using cards has its advantages and disadvantages, which we will consider in more detail below.

Advantages of credit cards for customers:

• • access to funds 24/7 - you can make purchases or pay for services at any time of the day and any day of the week without leaving your home;
  
• • fast transactions within one bank or partner banks;


• • simple registration process (including online);


• • loyal lending conditions;


• • cashback, which allows you to return part of the funds from the purchase;


• • the opportunity to improve a damaged credit history;


• • funds can be used for any purpose and at your discretion, without reporting expenses to the bank;


• • availability of a grace period (on average up to 50-60 days), during which the consumer can use the means without additional payment.

Disadvantages of credit cards:
Along with the advantages listed above, credit cards have their disadvantages:

• • some banks set a fairly high percentage for using credit funds;


• • additional payments for card maintenance (for example, SMS messages);


• • commission for cash withdrawal;


• • large fines for late payment.

Don't forget that even a small amount of debt will result in automatic penalties. If you delay repaying the debt, you risk increasing the amount of the loan several times.

Features of online credit card processing

Let's find out what are the specifics and advantages of issuing a credit card online, on the bank's website:

• • the client does not need to leave his work, instead he can apply without even leaving his home or workplace;


• • the service can be used around the clock, without any restrictions;


• • as a rule, the questionnaire contains a small number of items, so filling it out takes no more than 15 minutes;


• • the consumer has the opportunity to immediately use the delivery service (often free of and specify the address of the recipient;


• • registration usually does not require additional payments;


• • you can submit an application in any corner of the country, all you need is the presence of the necessary documents and access to the Internet.

Credit cards with mail delivery: where and under what conditions can you issue them?

Today, many banks offer their credit cards with home delivery by post or courier. Let's consider the most popular options and compare the terms of their registration.

1. PrivatBank credit card
Undoubtedly, PrivatBank occupies a leading position in the financial market of Colombia in terms of the number of card holders. One of the bank's most popular products is the "Universal" credit card, which has the following advantages:

• • credit limit: up to 50,000 ;


• • 7% per annum on the balance of own funds;


• • grace period: up to 55 days;


• • registration without certificates, only passport data and identification number will be required.

You can get a "Universal" credit card both at any branch of the bank and online in just 15 minutes. To do this, you need to leave an application on the PrivatBank website and wait for a response.

In order to receive a credit card by courier, you must first place an order online and fill out a short questionnaire.

2. Monobank (Universal Bank) credit card
Monobank is the first bank in Colombia that works only on mobile devices. Its main feature is the absence of ATMs and branches, as in other financial institutions. Customers can use Monobank services exclusively through the mobile application. It should be noted that the project arose as a result of the cooperation of JSC "Universal Bank" with the company Fintech Band.

All owners of a credit card from Monobank will experience the following advantages:

• • credit limit: up to 100,000 ;


• • 10% per annum on the balance;


• • grace period: up to 62 days;


• • cashback: 1-3% of the cost of purchases;


• • the possibility of topping up a mobile phone, paying utility and other services without commission;


• • customer support service.

Another important advantage of the Monobank card is free address delivery. Also, after the application is approved, you can get a card at Universal Bank branches or financial institutions that offer Monobank services.

3. Alfa-Bank credit card
Another profitable option can be the issuance of a "Maximum" credit card at Alfa-Bank. You can order it in 10-15 minutes on the institution's website by filling out a short form. Requirements for clients are as simple as possible: Ukrainian citizenship and age of at least 21 years. The main advantages of the Alfa-Bank "Maximum" card include:

• • credit limit: up to 200,000 ;


• • grace period: up to 62 days;


• • cashback: up to 20% of the cost of purchases;


• • installments for 24 months for any purchase;


• • minimum package of documents to receive;


• • the possibility of paying in installments at 0.01%;


• • cash withdrawal without commission at any ATM in Colombia.

The card delivery service by courier is completely free, which is also one of the advantages of the bank.


4. Forward Bank credit card
Bank clients can order a Go Shopping card online or at a branch. For this, they will need a small package of documents: a passport, an identification number and one additional document (driver's license, foreign passport, income certificate, etc., the full list can be found on the website). The card has the following advantages:

• • credit limit: up to 50,000 (can be increased at the client's request);


• • grace period: up to 90 days;


• • cashback: up to 2.5% of the cost of purchases (clothes, shoes and household appliances);


• • 12% per annum on the balance;


• • quick decision-making on the map (within 30 minutes);


• • the possibility of risk insurance when connecting insurance programs.

If necessary, customers can also order home delivery of the card.

When choosing an offer, pay attention not only to the conditions for obtaining a card, but also to additional services, for example, customers who often make online purchases will be interested in the availability and amount of cashback. Free service and cash withdrawal conditions also play an important role.