6 ms·

Over here "sending a credit card by mail" isn't a thing. At least definitely not the norm. You call the bank to order your new card to a specific branch. You th

Over here "sending a credit card by mail" isn't a thing. At least definitely not the norm. You call the bank to order your new card to a specific branch. You then wait several days. They then send you an SMS saying it's ready. You then visit the branch, show your internal passport (aka "ID"), and they give you your new card. How do you get one when you're abroad? No idea. You probably don't.

decentrality 6y ago
"internal passport" yeah, that phrase is being appropriated, thanks!
- 0x38B 6y ago
  In Ukraine and Russia, your passport for ID and passport for travel may be two separate documents - паспорт and загранпаспорт, the former is probably what Griskha meant by 'internal'.
  - grishka 6y ago
    Yes. What English-speaking world calls "passport" is what in Russian is literally "abroad-passport".
    - marktani 6y ago
      In German it's literally "travel pass"
      - rootsudo 6y ago
        In English it's literally "pass port" to pass through a port.
- sbierwagen 6y ago
  It has a long history: https://en.wikipedia.org/wiki/Internal_passport https://en.wikipedia.org/wiki/Internal_passport
isatty 6y ago
Where’s that? Sounds more frustrating than receiving 64 cards to be honest - what if the branch is out of your way/is closed when you get outta work?
- grishka 6y ago
  Russia
- YarickR2 6y ago
  Russia. Until recently mail (of snail mail variety) was notoriously unreliable, and mailboxes in row houses are out of the owner's sight and easily breachable
  - grishka 6y ago
    Was? It still is. Only the government itself uses it to send important documents. Other than that, it's mostly everyone's aliexpress orders. The one bank that doesn't have branches, Tinkoff, uses courier delivery.
  - sgtnoodle 6y ago
    Mailboxes are just as breachable in the US, but the credit card companies and banks seem willing to eat the cost of occasional fraud. One year I had an epic week of fraud. My credit card number was stolen by someone involved with a local restaurant, the replacement credit card was stolen from my mailbox, and my rent check was stolen from my landlord's mailbox at a completely different address (and successfully cashed!) There was a 3 day period where the only money I had access to was the cash in my wallet because my credit cards, checking account and savings account were all frozen while their account numbers got switched. All the fraud was covered by my bank though.
    - owenmarshall 6y ago
      A similar experience when younger (and less financially secure!) has lead me to embrace n+1: my emergency fund (the part that isn’t in the coffee can in the freezer) lives in a separate bank than my checking, and I carry an Amex and a Visa as backup and pay with credit at all times. I haven’t needed the redundancy since then but it’s comforting to know that I have a multi-month cushion to fight with banks if I need one.
kube-system 6y ago
Most of the credit cards in my wallet are issued by banks that don't even have a branch. The last time I got a plastic card issued in person was a debit card I got when I was a child.
- madpata 6y ago
  How many credit cards do you have? And if it's 3+, then why do you have so many? Just curious.
  - kube-system 6y ago
    Definitely 3+ I grab a new one every couple of years when I see one with advantageous terms. I typically only use a couple of them at a time, but I keep the old ones around because: why not? Having more available credit is only a good thing.
    - nemothekid 6y ago
      >I keep the old ones around because: why not? Having more available credit is only a good thing. Also because closing accounts can negatively impact your score (by reducing your average age of accounts)
    - billfruit 6y ago
      I do have heard the view that it is better not to have more than 1 or 2 credit cards, because it is likely to reduce ones credit ratings, and also to avoid the extra card related expenses and charges.
      - BugsJustFindMe 6y ago
        > I do have heard the view that it is better not to have more than 1 or 2 credit cards, because it is likely to reduce ones credit ratings This is, weirdly, backwards. Your credit rating is improved by having lots of available credit (i.e. lots of credit cards), which keeps your utilization percentage low, and by having a very high number of years on your oldest credit accounts. > and also to avoid the extra card related expenses and charges. Many cards have no fees.
gambiting 6y ago
At least my Polish bank absolutely doesn't have any problem sending me my cards to a foreign address. I have to set it as my main address on the web portal though, request a card, and then it arrives where it should.
strogonoff 6y ago
> How do you get one when you're abroad? No idea. You probably don't. You go to your embassy wherever you are and notarize a document that authorizes a trusted party within the country to deal with the bank (and forward you the plastic). If you don’t need cash, you can issue a non-physical card with a click and use it via Apple Pay.

decentrality 6y ago

"internal passport" yeah, that phrase is being appropriated, thanks!

0x38B 6y ago
In Ukraine and Russia, your passport for ID and passport for travel may be two separate documents - паспорт and загранпаспорт, the former is probably what Griskha meant by 'internal'.
- grishka 6y ago
  Yes. What English-speaking world calls "passport" is what in Russian is literally "abroad-passport".
  - marktani 6y ago
    In German it's literally "travel pass"
    - rootsudo 6y ago
      In English it's literally "pass port" to pass through a port.
sbierwagen 6y ago
It has a long history: https://en.wikipedia.org/wiki/Internal_passport https://en.wikipedia.org/wiki/Internal_passport

isatty 6y ago

Where’s that? Sounds more frustrating than receiving 64 cards to be honest - what if the branch is out of your way/is closed when you get outta work?

grishka 6y ago
Russia
YarickR2 6y ago
Russia. Until recently mail (of snail mail variety) was notoriously unreliable, and mailboxes in row houses are out of the owner's sight and easily breachable
- grishka 6y ago
  Was? It still is. Only the government itself uses it to send important documents. Other than that, it's mostly everyone's aliexpress orders. The one bank that doesn't have branches, Tinkoff, uses courier delivery.
- sgtnoodle 6y ago
  Mailboxes are just as breachable in the US, but the credit card companies and banks seem willing to eat the cost of occasional fraud. One year I had an epic week of fraud. My credit card number was stolen by someone involved with a local restaurant, the replacement credit card was stolen from my mailbox, and my rent check was stolen from my landlord's mailbox at a completely different address (and successfully cashed!) There was a 3 day period where the only money I had access to was the cash in my wallet because my credit cards, checking account and savings account were all frozen while their account numbers got switched. All the fraud was covered by my bank though.
  - owenmarshall 6y ago
    A similar experience when younger (and less financially secure!) has lead me to embrace n+1: my emergency fund (the part that isn’t in the coffee can in the freezer) lives in a separate bank than my checking, and I carry an Amex and a Visa as backup and pay with credit at all times. I haven’t needed the redundancy since then but it’s comforting to know that I have a multi-month cushion to fight with banks if I need one.

kube-system 6y ago

Most of the credit cards in my wallet are issued by banks that don't even have a branch. The last time I got a plastic card issued in person was a debit card I got when I was a child.

madpata 6y ago
How many credit cards do you have? And if it's 3+, then why do you have so many? Just curious.
- kube-system 6y ago
  Definitely 3+ I grab a new one every couple of years when I see one with advantageous terms. I typically only use a couple of them at a time, but I keep the old ones around because: why not? Having more available credit is only a good thing.
  - nemothekid 6y ago
    >I keep the old ones around because: why not? Having more available credit is only a good thing. Also because closing accounts can negatively impact your score (by reducing your average age of accounts)
  - billfruit 6y ago
    I do have heard the view that it is better not to have more than 1 or 2 credit cards, because it is likely to reduce ones credit ratings, and also to avoid the extra card related expenses and charges.
    - BugsJustFindMe 6y ago
      > I do have heard the view that it is better not to have more than 1 or 2 credit cards, because it is likely to reduce ones credit ratings This is, weirdly, backwards. Your credit rating is improved by having lots of available credit (i.e. lots of credit cards), which keeps your utilization percentage low, and by having a very high number of years on your oldest credit accounts. > and also to avoid the extra card related expenses and charges. Many cards have no fees.

gambiting 6y ago

At least my Polish bank absolutely doesn't have any problem sending me my cards to a foreign address. I have to set it as my main address on the web portal though, request a card, and then it arrives where it should.

strogonoff 6y ago

> How do you get one when you're abroad? No idea. You probably don't. You go to your embassy wherever you are and notarize a document that authorizes a trusted party within the country to deal with the bank (and forward you the plastic). If you don’t need cash, you can issue a non-physical card with a click and use it via Apple Pay.