Receive – sign: what you need to ask the courier delivering a bank card

Remote receipt of services, including financial ones, has become a widespread phenomenon in our country. However, one cannot do without a face-to-face meeting, especially when it comes to obtaining a bank card, in which it is required to sign an agreement with a financial institution. Recently, the delivery of bank cards is carried out not only by representatives of the bank, but also by couriers. What you need to remember when signing the contract and what questions you should ask the courier before documenting the relationship with the bank, Ksenia Artemyeva, COO of the Fast River fintech platform, told Moskovskaya Pravda.

To begin with, it is important to understand how the process of delivering financial products, namely debit and credit cards, works. After filling out an application on the bank’s website or in a mobile application and ordering a card, you choose the place and time of the meeting with the courier. It is better if it takes place at your home, but this is not always possible. In this case, you should choose a place where you can calmly lay out documents, talk and sign an agreement – for example, in a cafe or coworking. Keep in mind that the process will take some time, so meeting in the subway or supermarket is not the best option.

“On the spot, the courier checks the information from the application with your documents, takes photos of the documents using a special application and sends them to the bank for verification — these are mandatory items necessary to identify the client,” the expert explains. – Then you will need to sign an agreement, after which the courier photographs the client with the signed agreement and card and again sends the picture to the bank.

On this, in fact, the procedure for transferring the card and documents is completed. It remains only to activate the card.

– Don’t quite understand how to activate? Ask the courier, advises Ksenia Artemyeva. – Usually he is a representative of the bank and can give competent advice. But first, let’s start with the basic questions. Find out everything that interests you about the banking product, the terms of the contract, the activation process – make sure that this is exactly a representative of the bank and he knows his business, and at the same time fill in the gaps in your own knowledge. So, if you receive a debit card, check what transfer limits exist for your tariff, what commissions for transactions are set by the bank. If you are going to open a deposit or savings account online, please consult with the courier on how to do this. If a credit card was brought to you, questions about the grace period (when interest is not charged for using the bank’s money), about the conditions for its preservation, for example, which operations are allowed and which update the grace period, should also be added to the “duty” questions.

If the courier is unable to provide qualified advice, ask him to put you in touch with a bank representative.

The expert also advises asking how and where the courier sends photos of your documents and whether there is a guarantee that your data will not be compromised.

“Photographs of documents should be sent to the bank not through public instant messengers and social networks, but through a special banking application installed on the office phone,” the expert explains.

You can also clarify and amend the contract if something in it does not suit you.

– If there are points in the contract with which you do not agree, for example, paid notices or additional insurance, ask to make appropriate notes in the contract. And if the checkboxes are already set for you, feel free to demand a new copy, says Ksenia Artemyeva. – Before signing the contract, double-check your personal data indicated in it – whether there are any errors in them. If it turns out that when filling out the form, an error was made by at least one letter or number, then the card simply will not be activated.

In general, the procedure for obtaining a bank card is quite simple and transparent. However, as in any process related to finances, caution and care are necessary. And if you have any doubts, you should contact the bank where you ordered the card.

Alyona Bodrienko.

A photo pch.vector / Freepik