An arbitrary letter to Tinkoff Bank. Tinkoff Bank - employee reviews. negative, neutral and positive feedback. The card you weren't expecting

Each of us needs to have a financial reserve in order to be confident in the future. Therefore, people tend to apply to banks for credit cards. One of the most popular products of this type are cards from Tinkoff Credit Systems.

But many are wondering if it is possible to get a Tinkoff Bank card by mail? Is it possible to deliver to regions where there are no representative offices of the bank? How long is the card? We will try to answer all the questions in the article.

The peculiarity of the bank is that it does not have offices and points of sale. All activity takes place via the Internet, where you can order a Tinkoff card online.

If the possibility of courier delivery at your place of residence is limited, you can always pick up a Tinkoff card at the post office at your place of residence.

Before submitting…

In order to receive a card with an approved loan, you must complete an online questionnaire. You must also have a passport of a citizen of the Russian Federation, which will confirm that you are an adult. So, how to get a Tinkoff card? For everything to go smoothly, first of all, you must have a steady income.

Although the bank does not require documentary evidence of your earnings, you still have to pay the debt, and the period that is not subject to interest is 55 days.

Further, the credit institution begins to charge interest. In case of non-compliance with obligations under, sanctions will be imposed on you, and your credit history will deteriorate. As a result, access to the renewal of the limit will be closed, the debt will be claimed in court. Or, even worse, with the involvement of collection agencies.

Instructions for receiving a card by mail

If there is no Tinkoff Credit Systems representative in your city, this is your option. After all, branches of the Russian Post can be found even in the smallest and most remote towns and settlements. This means that any citizen of our country is unlikely to face the problem of how to get a Tinkoff Bank credit card by mail.

First of all, you need to fill out an electronic form, which will correctly indicate all the necessary data, your contacts and the size of the desired limit.

A few minutes after submitting the application, you will receive a response on whether your request has been approved. Next, in the column "delivery of the card" you need to select the item "Russian Post" and enter your address of residence. Products are delivered by registered mail and as soon as they reach the post office, you will receive an alert.

When visiting a branch of the Russian Post, you need to have a passport of a citizen of the Russian Federation and a copy of it with you. After receiving the card, you sign the documents and the contract, attach a copy of your passport and send this information to Tinkoff Credit Systems. As soon as your letter is received by the bank, you will receive an SMS notification that the card has been activated.

The card you weren't expecting

In some cases, you may find a letter in your mailbox: there will be a card in the envelope that you did not order. Don't be surprised by this. Some banks use such a tricky move. They send new cards to their future customers. To ensure security, they do not have a pin code, and to start using them, you should call the manager and request activation.

If the card was sent by a bank with which you are not familiar or have never cooperated, then it is best to destroy it immediately.

Some scammers also mail credit cards. Only in this case, the "manager" of the bank will ask you to immediately pay the annual service fee. After the payment is made, the activation of the card, of course, will not occur. In fact, no card existed, and a dummy was sent to you.

Card by mail: pros and cons

The positive aspects of this design method are obvious:

Among the negative points, the following can be singled out: often cards that are sent by mail have an increased rate on a loan, and the maximum, on the contrary, is underestimated.

However, credit does not have such disadvantages.

There is nothing tricky in obtaining a Tinkoff card through the Russian Post. Of course, you have to wait until it reaches you (4-5 days). And then some more time (2-3 days) until the bank receives your written response, but the wait will be justified. And yet, such a system is quite convenient because you do not have to get out of your usual schedule and visit a bank branch to conclude an agreement.

Before applying for a credit card, you should think in advance how you will pay the debt on it and whether you will cope with this expense item.

It is necessary to consider in detail all the nuances so as not to run into trouble in the form of accumulated interest. Calculate the minimum payment to pay off the debt and compare it with your income. In the matter of finances, it is important to carefully plan each expenditure in advance.

This story is about my attempt to get a job at Tinkoff Bank as a retail operator. In general, the problems began almost immediately, as soon as I left a response to the vacancy. I received a letter from this organization in the mail for the first task. In this task, it was required to pass a test in the Russian language for a while. By clicking on the link, I started to go through the task (well, as I started, I read the first question) and the service hung. Then the time expired and, accordingly, the test was failed. Calling the hotline 7 times, they sent me to hell, or rather, to their "wonderful" chat - support. No one responded to me at the specified time. After reviewing the chat more closely, I realized that they would not answer. I wrote to the support mail - 0 result. Ok, having studied all the documents that are possible and impossible, I realized that this test was not at all mandatory. Question: Why couldn't you tell me this over the phone? Next is the juiciest. Started normal training: webinars, theory. Crowd, outlined a huge amount of time all this information. As a result, I could not answer most of the questions in the test (not because I'm stupid, but because there really are no answers to them in theory). After this test, I received a letter in the mail about the appointment for the practice, which I answered within 10 minutes. 2 days have passed - no answer, no greetings, and I put aside all the important things and wait for the mentor to contact me ... Now the time for practice has come, no one has written. I call again, again they send me to where it is dark and teeming with spiders - to the support service. Having sent several angry messages to this service, in the evening they deigned to answer that they served during the queue. Question: Why didn't they immediately write that the practice was postponed to another day? Why should I wait for a miracle and put off important things? Okay, I switched to practice, where for 2 days my mentor and I called clients, finished learning the material, etc. The mentor said that I knew the theory perfectly, and my customer focus was generally at the highest level, and it was easy for me to pass the exam. As a result, the exam, where out of all the questions I answered incorrectly, only 1. Guess what happened? That's right - they didn't take me. The essence of the whole story is this: do not waste your nerves and time on this nonsense, there will be nothing left but resentment. It looks like a decent organization, but in fact all the reviews are bought and the reputation too. Thank you for your attention!

Terrible got a job. I call every day. (For my own money)
They call back very early (9:00-11:00) or too late (21:00-23:00)
I asked about different vacancies, then they answered: Why are you calling again? Or why are you calling? Or For you there are no vacancies goodbye.
What kind of relationship is this? Not a bank, but an eatery. I call to ask if you received my resume or not? Ha, that’s just in the phone. It’s a pity I didn’t record the conversation. I would send it anywhere.

I don’t know how it is in servicing with Tinkoff cards, but when applying for a job - a complete scam. Representatives of this so-called bank call and notify: some - you are suitable for a vacancy, others - do not fit. All these calls are from one multi-channel number, it is impossible to re-talk with the callers. They can set conditions - buy a laptop, or a headset, etc. , start learning, and then - sorry, we'll call you later.

He worked as a representative, the salary is constantly cut, the contract (of some kind of accession) is not signed, they are fined just like that.

An entire department was recruited to fine ...

The old man only writes that his profit is increasing, as a result, he is a petty moral rogue, just not to pay money for the work done.

Quite a cunning organization, one might even say cunning.

This is how cleverly they draw up their stipulated agreements. There is, for example, a non-disclosure clause.

Moreover, it is originally so disguised that it seems like there was nothing to dig under initially. As a result, it turns out that when, for example, you are not paid extra or not paid at all, you have no right to complain to any relevant organizations. You will automatically violate the rule stipulated in the signed contract.

A trade secret is violated, information is disclosed, you cause damage to the enterprise, while destroying some kind of non-existent image, and so on.

You will sue in court to find the truth, and they will fuck you there. So the turnover in the organization is terrible. Any contract with the application goes.

Only now it’s impossible to look at it, but there are a lot of tricks there. Signed, but it turns out you don’t know what. Then it works, but in the end it is not clear what everything will result in and you have no rights!

Went 2 weeks a week. (True, the second time I had to go through my own fault, I confess).

The second time I tried very hard, I wrote a test for 31 out of 35. After the test, there was a second practical part, on which I was ridiculously and vilely filled up (and not only me). In addition, in my group there was even a person who had previously worked in this very position (!!!) and apparently he was also filled up, so he was trained with me 2 times.

Another passed for the third time. Having talked enough with people from my group, the screening does not seem objective to me. Either this is random, or some personal likes / dislikes.

Passing training for 2 times, I had the opportunity to observe how the trainer repeats scripted phrases and pazitiff little jokes from the previous training word for word. Including lies about the lack of competition in the group.

I just don’t understand one thing - why invite people to interviews with the clause “POSSIBLE WITHOUT WORK EXPERIENCE” while at a group interview you are immediately dismissed for, let’s say, you have been solving a mathematical problem for a long time ... It’s not clear for what reasons you are refused, explain no one will. The interview lasts 2 and a half hours, it is built completely stupid and not thought out. There is a big impression that people are invited just "For show". Turnover. In such conditions, as offered in the office, it is simply impossible to really assess the possibilities of a candidate!!! Stupidly they take those who already have some experience in telephone sales. I was not allowed to study, apparently I couldn’t calculate the percentages correctly in the problem, well .. they would have taught me how to count them later ... Moreover, I wanted to get a job in the department of initial applications. There, in general, everything is simple and elementary, stupid can handle it !!! In short, my opinion is all a SCAM!

Advantages:

Disadvantages:

• The salary
• relation.

At the beginning, they make out as in Tinkoff Bank, in my case, the operator for the collection of overdue debts. The salary for 2 weeks + 2 weeks of study is 3000 rubles, this is laughter. Plus constant fines for tapped calls. In short, after the transfer from adaptation to the working group, it was not the bank employees who began to write letters to me, but the employees of the collection agency in which I was registered.

I personally encountered the bank, I was also glad to have the opportunity to work in such a promising area, but after a month of probation and passing all the exams, and there were quite a few of them. Not a joyful prospect awaited me, I will not describe all the moments that did not suit me, I worked there for exactly half a year, I left of my own free will, I do not regret it.

Neutral Feedback

Excellent working conditions. The kitchen is large with refrigerators, microwaves, free coffee, tea, milk), a chic lounge where you can either sleep on the sofa, or play ping pong, or table football. Trainings are always fun and interesting, they are held during working hours. Other than that, you can make a very good career if you're lucky). The salary was good. I received at least 35 thousand, I could make 50 thousand. The management was good, I could refer to them as you - it was normal. Because I was an old experienced employee who didn’t want to say goodbye to me. With newcomers who did a bad result, they said goodbye immediately. Having quit, I did not regret that I left, but I do not regret that I worked in this bank for 1.5 years!

The biggest disadvantage for me was the work itself, everything is very monotonous. You had to call the client right after you hung up and campaign him until he foamed at the mouth (for insufficient campaigning, you could get a bad mark in the wiretap and therefore your bonus could fall from this). I felt like I was degrading. For a year and a half of work, I became very aggressive and irritable. And one fine day, I finally decided to go on a long journey.

Another downside is the fines. You could be fined for being late (or even deprived of a bonus), for taking too much personal time, and for many other things).

Advantages:

• you can earn money by working
• free schedule

Disadvantages:

• talk to people all the time

I work in this bank as a credit card operator, I also worked on a mortgage. You can really earn money there, I work myself. But the only negative is that you can sit for an hour, people will not pick up the phone, this applies specifically to credit cards. Mortgage is better with this case. They teach well, but there is a lot of training (on a mortgage), and they constantly spend a lot of time on them, the brain is overloaded. The management is good. I think this is a great job for mothers on maternity leave, for whom every penny is important. The advantage of this work is also a free schedule, when you want, then you work. I personally earn 10,000-15,000 on credit cards, I devote 3-4 hours a day to work!

The chairman of the board of directors and founder of Tinkoff Bank, Oleg Tinkov, sent a letter to employees in which he asked them not to use the time for meals not provided for by the employment contract. The letter was published on the forum, its authenticity was confirmed by the company's employees.

“Colleagues, I see you relaxed? I remind you that we have one meal (aka lunch) and is one hour. Healthy people do not eat 2/3/4 times a day. Even if it adds up to one hour, which I highly doubt. If you are sick - this is not a boarding house, we have a lot of work and tasks for years to come. I hope that from now on I will only see you in canteens between 12:00 and 16:00,” the letter says.

Tinkov also urged "to consume less coffee and cigarettes." “In addition to stealing my time from me and shareholders, you are killing your health,” he said.

Local leaders should ensure control over Oleg Tinkov's instructions.

The press service of the credit institution noted that the bank always tries to meet the wishes of employees and expects respect for internal regulations.

“We have a flexible work schedule: you can come (and, accordingly, leave) early or late. We understand that people are arranged differently (someone works more productively in the morning, someone, on the contrary, in the evening), we try to meet halfway and expect our employees to respect our internal routine in the same way. You can go in for sports at any convenient time (the gym is open from 7:00 to 23:00). However, if employees work during the day, they simply finish this time and leave work later,” the bank’s press service said.

The bank emphasized that the letter was addressed primarily to those who abuse this time and flexible working hours.

Tinkoff Bank

Tinkoff Bank JSC is a mono-office bank controlled by businessman Oleg Tinkov. The key segments in which the financial institution operates are credit cards and private deposits. Recently, the bank also serves legal entities. The main feature is remote work with clients using modern communication channels and through representatives.

At the moment, Oleg Tinkov controls a 47.31% stake in the bank. A 51.60% stake is freely floated on the London Stock Exchange (in the form of GDRs). The Vostok Emerging Finance Fund (the fund's shares in the form of depositary receipts are publicly traded) owns a 1.09% stake.

According to Banki.ru, as of October 1, 2019, the bank's net assets amounted to 534.76 billion rubles (21st place in Russia), capital (calculated in accordance with the requirements of the Central Bank of the Russian Federation) - 91.78 billion, loan portfolio - 374 .25 billion, liabilities to the population - 294.02 billion.

Appendix 8

Letter from Tinkoff Credit Systems Bank

At the time of writing, this text was used to offer Platinum credit cards. The letter perfectly illustrates many of the techniques discussed in the book. Below you will see the text of the letter, and then some of my comments.

You need money? You have them!

Dear Victor Sergeevich!

Our appeal to you is not accidental! You, as a person with an active lifestyle, most likely have already taken loans and are familiar with all their advantages and disadvantages. All of us, and I am no exception, take loans. With a loan, we allow ourselves to update our wardrobe more often, delight ourselves with new household appliances, and travel. But despite all the positive that loans bring into our lives, a loan is not always as convenient as we want. Firstly, during the crisis it became much more difficult to get a loan, and you most likely faced the unpleasant, sometimes humiliating need to look for guarantors or dedicate accounting to your affairs to obtain income statements. Secondly, the cost of most loans has risen sharply. All this can bring only unnecessary troubles into our lives, and the loan itself becomes in the full sense of the word golden for your nerves and wallet!

Such problems can be easily avoided by using the services Bank "Tinkoff Credit Systems". We offer the most convenient and secure loan - Tinkoff Platinum credit card, which has a number of beneficial advantages:

Extended interest-free credit period for all card purchases – up to 55 days!

Favorable interest rates and no hidden fees!

Revolving credit line (you can use your credit card an unlimited number of times)!

The monthly payment is only 6% of the debt!

Free repayment in the network of bank partners. And this is more than 160 thousand payment points throughout Russia, in convenient places within walking distance!

Viktor Sergeevich, I think you will be pleased to know that the credit limit is 30,000 rubles* You've already been pre-approved. As soon as we receive your application and issue a card, this amount can be increased! We also offer you not an ordinary card, IMMEDIATELY a PLATINUM class card, which has a number of undeniable advantages over other cards, because YOU deserve the best!

By opening a credit card, you, in fact, receive a line of credit, which is given to you forever! If you do not need money today, you can simply not activate our card and keep it in your wallet until you need it. It won't cost you anything!

Viktor Sergeevich, we trust you, therefore we offer to become the owner of a Tinkoff Platinum credit card to your good friend or relative, who can be relied upon just like you!

Please note that two questionnaires are enclosed in our envelope. The red questionnaire is for you.

To get a Tinkoff Platinum credit card, you need to:

fill out the red form;

make photocopies of two spreads of your passport: one with a photo and the other with the address of the last registration;

The blue questionnaire is for your friend or relative, who, thanks to you, can also get a Tinkoff Platinum credit card.

To do this, he needs:

fill out the blue form;

make photocopies of two spreads of the passport: one with a photograph and the other with the address of the last registration;

send documents to the bank in one of the envelopes attached to the letter. Shipping is free for you!

Hurry up to answer us - questionnaires sent within seven days will be considered in priority order.

You will find more detailed information about the grace periods of lending, interest rates and features of the bank's work in the attached booklet. You can also call us on our free 24/7 hotline. 8–800–555–777–8 (toll-free in Russia, including from mobile phones) and ask your questions. We will be happy to answer them!

Sincerely,

President of Tinkoff Credit Systems Bank (CJSC)

Oliver Hughes

And now a few comments. The letter begins with the heading “Do you need money? You have them!" It is immediately given to understand what will be discussed in the letter. If the recipient needs money, he will read the letter carefully.

“Our appeal to you is not accidental!” - as a rule, a person does not wait for a letter with an offer from the bank, so some kind of justification is needed. In this case, the text begins with an explanation of why the letter was sent to this particular person. “You are like a person with an active life position…” - a compliment is imperceptibly given to the reader, which increases confidence. Further, it is given to understand that we will talk about loans. This is where the problem starts. It tells how difficult it is to get a loan on favorable terms and without too much fuss.

Then a solution is proposed and the advantages of the Tinkoff Platinum credit card are described. Remember the problem-solution strategy? Here she is in action.

I really like the phrase “You will be pleased to know that a credit limit of 30,000 rubles * has already been pre-approved for you.” The recipient understands that the bank trusts him and offers something special.

Notice how well some objections are handled. For example, if a person does not need money right now, then he is offered to get a card anyway and simply not activate it until he needs it.

Imperceptibly brought to suggesting that friends also use the services: “... we trust you, therefore we offer your good friend or relative to become the owner of a Tinkoff Platinum credit card, on whom you can rely just like you!” Light flattery smooths out a direct offer to bring friends.

Very well written instructions. If you want to get a credit card, it will be impossible to make a mistake.

There is something like a deadline: "questionnaires sent within seven days will be considered as a priority." Of course, it would be better if the letter had a specific date, but this is technically difficult to do. Although Google used a specific date limit in its mailing lists.

I am very pleased that the letter was written on behalf of the president of the bank. There is a feeling that a specific person is addressing you. And a high-ranking one. And it's nice.

In general, the letter is a good example and can give an idea of ​​how well-known companies in Russia use copywriting.