Нужно собрать значение value у radio и вложенные файлы. С этим не работает:
$sendto = "ryazanov6631@gmail.com";
$username = $_POST['name'];
$birthday = $_POST['creditform-date'];
$inn = $_POST['creditform-inn'];
$creditformdocs = $_POST['creditform-docs'];
$credittype = $_POST['radAnswers'];
$creditformdocs2 = $_POST['creditform-docs2'];
$creditformdocs3 = $_POST['creditform-docs3'];
$creditformdocs4 = $_POST['creditform-docs4'];
$creditformdocs5 = $_POST['creditform-docs5'];
$creditformdocs6 = $_POST['creditform-docs6'];
$creditformdocs7 = $_POST['creditform-docs7'];
$creditformdocs8 = $_POST['creditform-docs8'];
$usermail = $_POST['creditform-docs9'];
$creditformdocs10 = $_POST['creditform-docs10'];
$creditformdocs11 = $_POST['creditform-docs11'];
$creditformdocs12 = $_POST['creditform-docs12'];
$creditformdocs13 = $_POST['creditform-docs13'];
$creditformdocs14 = $_POST['creditform-docs14'];
$creditformdocs15 = $_POST['creditform-docs15'];
$creditformdocs16 = $_POST['creditform-docs16'];
$photo = $_FILES['photo'];
$photo1 = $_FILES['photo1'];
$photo2 = $_FILES['photo2'];
$photo3 = $_FILES['photo3'];
echo '
<form action="post.php" method="POST">
<div id="creditCart" style="display: none; padding-bottom: 60px; padding-top: 50px;">
<div class="resutLeftBox">
<div id="itemImageShow"></div>
</div>
<div class="resultRightBox">
<div id="closeItem" class="closeEny" onclick="closeItem()"><a>X</a></div>
<div id="itemTitleShow"></div>
<div id="itemPriceStatic"></div>
<input name="radAnswer" checked="checked" style="float:left; margin-right: 5px;" type="radio" value="половина"><div id="itemPriceFirst"></div></input>
<input name="radAnswer" style="float:left; margin-right: 5px;" type="radio" value="тройка"><div id="itemPriceSecond"></div></input>
</div>
</div>
<div class="sdr-credit-contanier">
<div class="sdr-credit-products-box">
<div class="sdr-credit-products">
<h4>Заполните анкету:</h4>
</div>
</div>
<div class="sdr-credit-form-box">
<div class="sdr-row1-col3">
<p><input type="text" name="name" class="credit-input" placeholder="ФИО:" required></input></p>
<p><input type="date" name="creditform-date" class="credit-input" placeholder="Дата рождения:" required></input></p>
<p><input type="text" name="creditform-inn" class="credit-input" placeholder="ИНН:" required></input></p>
<p><input type="text" name="creditform-docs"class="credit-input" placeholder="Серия и номер паспорта:" required></input></p>
<p><input type="text" name="creditform-docs2" class="credit-input" placeholder="Кем выдан:" required></input></p>
<p><input type="text" name="creditform-docs3" class="credit-input" placeholder="Когда выдан:" required></input></p>
<p><input type="text" name="creditform-docs4" class="credit-input" placeholder="Адрес регистрации:" required></input></p>
<p><input type="text" name="creditform-docs5" class="credit-input" placeholder="Адрес проживания:" required></input></p>
</div>
<div class="sdr-row1-col3">
<p><input type="text" name="creditform-docs6" class="credit-input" placeholder="Почтовый индекс:" required></p>
<p><input type="tel" name="creditform-docs7" class="credit-input" placeholder="Домашний телефон:" maxlength="10" required></p>
<p><input type="tel" name="creditform-docs8" class="credit-input" placeholder="Мобильный телефон:" maxlength="10" required></p>
<p><input type="email" name="creditform-docs9" class="credit-input" placeholder="Електронный адрес:" required></p>
<p><input type="text" name="creditform-docs10" class="credit-input" placeholder="Место работы:" required></p>
<p><input type="text" name="creditform-docs11" class="credit-input" placeholder="Адрес работы:" required></p>
<p><input type="tel" name="creditform-docs12" class="credit-input" placeholder="Телефон работы:" maxlength="10" required></p>
<p><input type="text" name="creditform-docs13" class="credit-input" placeholder="Должность:" required></p>
</div>
<div class="sdr-row1-col3">
<p><input type="text" name="creditform-docs14" class="credit-input" placeholder="Образование:" required></p>
<p><input type="text" name="creditform-docs15" class="credit-input" placeholder="Какое учебное завдение закончил:" required></p>
<p><input type="text" name="creditform-docs16" class="credit-input" placeholder="Семейное положение: / дети:" required></p>
<p>Загрузите копии ваших документов:</p>
<p><input type="file" name="photo" multiple accept="image/*,image/jpeg" required></p>
<p><input type="file" name="photo1" multiple accept="image/*,image/jpeg" required></p>
<p><input type="file" name="photo2" multiple accept="image/*,image/jpeg" required></p>
<p><input type="file" name="photo3" multiple accept="image/*,image/jpeg" required></p>
<button class="credit-button">Отправить</button>
</div>
</div>
</form>
'