China Merchants Credit Card sent me a text message saying that it passed the preliminary examination and asked me to go to the business hall to sign for confirmation. If I go, is it possible for me to

China Merchants Credit Card sent me a text message saying that it passed the preliminary examination and asked me to go to the business hall to sign for confirmation. If I go, is it possible for me to fail? Usually not. If it is an online application, I need to go to the counter here to verify it. I don't know if the previous application is invalid, but if I go, I will usually pass. There seem to be few exceptions. China Merchants Bank's credit card was approved after the first trial. As long as it can be confirmed that it is my application, the card can be issued successfully.

If the credit card application passes the preliminary examination, the staff of China Merchants Bank will take the initiative to contact the applicant to go through the formalities at the bank outlet. After the face-to-face signing is passed, China Merchants Bank will issue a card within three working days, usually a registered letter. The registered letter should be sent within 15 days, so the applicant can check it carefully.

Let you go to the bank counter to sign, which is called "face-to-face signing", or some banks are called "activation" or "opening". This situation shows that you did not apply for a credit card at the bank counter, but applied for a credit card elsewhere. The bank has the responsibility to verify the authenticity of your ID card and confirm whether the cardholder is himself or not. So be sure to bring your ID card to the bank counter in person to activate this card.

Application conditions

(1) China residents, foreigners living in China, compatriots from Hong Kong, Macao and Taiwan have reached the age of 18, have full capacity for civil conduct, and have good credit standing. They can apply for personal credit card master cards with their valid identity documents. Personal cardholders can also apply for supplementary cards for other natural persons with full civil capacity or natural persons with limited civil capacity. The main cardholder can apply for cancellation of the supplementary card at any time.

(2) Enterprises, administrative institutions, social organizations and other economic organizations authorized by legal persons who open basic deposit account in domestic financial institutions can apply for business cards from card issuers with supporting documents such as the basic deposit account account opening permit issued by the People's Bank of China (foreign exchange settlement accounts are also required to apply for international business cards).

The qualification of the cardholder of the unit card shall be designated and revoked in writing by the legal representative of the unit or its authorized person. The applicant shall bear all debts arising from the unit card.

(3) When applying for a credit card for the first time, the applicant shall fill in the credit card application form correctly, completely and truthfully, and submit the relevant supporting documents required by the card issuer, and agree that the card issuer may inquire about the credit status of the applicant from any relevant department, unit or individual, and keep and use the relevant materials.

(4) According to the credit status of the applicant, the card issuing institution decides whether to issue the card, whether to require the applicant to provide the guarantee and the guarantee method, and determines the way and type of obtaining the card, the credit line granted to the applicant, etc. Failed application materials will not be returned.

(5) The ways for the applicant to provide guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract shall be signed separately for the guarantee. The scope of guarantee covers all debts incurred under the cardholder's credit card (including but not limited to the principal and interest, over-limit fees, late fees and recourse fees for overdrafts within and outside the credit line).

(6) After receiving the credit card, the cardholder shall immediately sign the same signature as the credit card application form in the signature column on the back of the credit card, and use the same signature when using the credit card, otherwise the cardholder shall be responsible for the losses arising therefrom. Card issuers also provide cardholders with inquiry passwords and transaction passwords (that is, cash advance passwords and credit card consumption passwords) through designated channels.