How long will it take for China Merchants Credit Card to be audited?

How long does it take for China Merchants Bank to apply for credit card approval?

1. The credit card promoters of China Merchants Bank will forward the application materials to the audit department of the credit card center after receiving them. It generally takes 10 working days from the receipt of the applicant's application materials by the audit department to the completion of the credit card audit.

2. If it is approved, it will be produced and sent within 2 working days, and the SMS will be sent the next day after the card is issued. Applicants can check the progress of issuing cards within 2-3 working days after receiving the SMS. By default, the card is sent to the customer's billing address by registered mail, and the general delivery time is within 15 days. Free express delivery of platinum card and unlimited card.

Extended data:

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.

The main cardholder can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct. 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 may apply for corporate cards from card issuers with the basic deposit account account opening permit issued by the People's Bank of China.

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).

Baidu Encyclopedia-China Merchants Bank Credit Card

[img] How long does it take for China Merchants Bank's credit card review?

It takes 10 to 15 working days for the credit card review of China Merchants Bank. If the applicant has good qualifications, it will take 10 working days to receive the approval information; if the applicant has poor qualifications, it will take 15 working days.

Under normal circumstances, it usually takes 10 working days for China Merchants Bank Credit Card Center to complete the approval after receiving the application materials. Naturally, if there is no accident, the card will be received within 15 days after receiving the card notification message.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

China Merchants Bank credit card audit results in a few days.

If you make an appointment to apply for China Merchants Bank credit card through online banking for the first time, the system will make a preliminary examination according to the information you fill in. There are two different situations after the audit: the China Merchants Bank Commissioner will contact you by phone within 4 working days to make an appointment for the door-to-door time; To send you an audit notification SMS, you need to sign it at any branch of China Merchants Bank with SMS and valid ID within 30 days. If the verification is successful, the card will be mailed to you and will be received about a week after mailing. Tips:

1. These two situations are automatically assigned by the system and cannot be selected. The final result is subject to approval.

2. If the interview time exceeds 30 days, you need to resubmit the application materials at the outlets, and you can only apply once within 2 months of online banking reservation.

(Response time: June 5, 2020. Please refer to the latest business changes announced by China Merchants Bank in official website. )

How long does it take for China Merchants Bank to review credit cards?

1. It usually takes 10 working days from the new application to the completion of the credit card review, and a text message will be sent when it is issued (it is not necessary to review the card when it expires);

Credit card delivery: generally, a new card or replacement card will be delivered to the billing address within 2 working days after business card printing. Generally, registered mail /EMS takes 3- 15 days; If the card is not received or returned in time, you can call the credit card hotline 5 for inquiry and handling.

Credit card progress: You can check the progress of new application or mailing through online banking, Pocket Life, mobile banking and WeChat banking.

2. If you apply for China Merchants Bank credit card through online banking for the first time, the system will make a preliminary examination according to the information you fill in. After inspection, there are two different situations:

1, the Commissioner of China Merchants Bank will contact you by phone within 4 working days to make an appointment for the door-to-door time;

2. To send you a short message of audit notice, you need to sign at any branch of China Merchants Bank within 30 days with the short message and valid ID. If the verification is successful, the card will be mailed to you and will be received about a week after mailing.

skill

1. These two situations are automatically assigned by the system and cannot be selected. The final result is subject to approval.

2. If the interview time exceeds 30 days, you need to resubmit the application materials at the outlets, and you can only apply once within 2 months of online banking reservation.

(Response time: March 24, 2020. Please refer to the latest business changes announced by China Merchants Bank in official website. )

How long does it take for China Merchants Bank's credit card to fail? Will there be a text message if they fail?

Generally, it takes 10 working days for China Merchants Bank's credit card to expire. If they fail, they will be notified by SMS.

After the credit card center receives the application materials, it usually takes 10 working days to review and notify with or without SMS.

Credit card application needs comprehensive evaluation of China Merchants Bank's credit information system, and the reference factors include age, job stability, income, credit information records and so on.

If the applicant's work or financial information changes, he can provide the application information again after 3 months.

Extended data

According to the relevant provisions of China Merchants Bank's credit card articles of association

Article 9 When applying for a credit card for the first time, an applicant shall fill in the application form correctly, completely and truthfully in accordance with the provisions of the card issuer, sign it in person and submit the relevant certification documents required by the card issuer.

Article 10 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 method and type of obtaining the card, the approved credit limit of the account, the approved overdraft interest rate of the account and the minimum repayment ratio. Application materials that have not been approved by the card issuer will not be returned.

China Merchants Bank Credit Card-New Customer Card

China Merchants Bank Credit Card-China Merchants Bank Credit Card Charter

How long does it usually take for the credit card of China Merchants Bank to be approved?

It usually takes 20 working days for China Merchants Bank to get the card through bank staff and bank counters. If it is handled online, it usually takes 15 working days.

Generally speaking, it takes ten working days from receiving the application to processing the credit card. After approval, the bank will make a card within two working days and send it to you by registered mail according to the billing address. The delivery time of registered letters is generally within 15 days.

I. Credit Card of China Merchants Bank

The Credit Card Customer Service Center of China Merchants Bank was awarded as the "Best Call Center of the Year in China" at the China Conference on Call Center Operation and Customer Relationship Management in 2004, and it is the only award-winning unit in the domestic financial industry. In 2002, China Merchants Bank realized the integration and professional service of credit cards.

Second, the characteristics of China Merchants Bank credit card products

1. There are many kinds of cards, which are novel, beautiful and attractive.

2. Telephone banking has a good service attitude and is convenient.

3. E-banking is associated with mobile phones, which is relatively safe.

4. Every consumption is notified by email, and every online transaction and general credit card transaction that exceeds 300 yuan is reminded by SMS.

5. Powerful online banking function, directly used by the popular version, with diverse functions, such as querying bills and details, querying points, opening cards, setting online trading limits, and self-service billing by stages.

6. The first year of China Merchants Bank Credit Card is free of annual fee. Generally, you can waive the annual fee for the following year after spending 6 times.

7. China Merchants Bank Card has no annual fee, only account management fee.

8. The account management fee is only a debit card such as China Merchants Bank's one-card card. The one-card card of China Merchants Bank can be bound to the credit card of China Merchants Bank, and the account management fee of the one-card card can be exempted, but the annual fee of the credit card can only be exempted if it is spent more than six times (including six times).

9, a variety of activities and offers, very Sanya, gluttonous food season activities and other very preferential, and involves all areas of life.

10, China Merchants Bank launched the Pocket Life Platform with its credit card. You can buy movie tickets with your mobile phone, recharge them with your mobile phone, check the preferential merchants nearby and offer discounts. More and better applications are launched one after another.

However, China Merchants Bank's credit card also has the stipulation that "points are difficult, and every consumption 20 yuan is 1 point, which is not a score", which is not conducive to integral consumption.

This concludes the introduction of China Merchants Credit Card Audit and the results of China Merchants Credit Card Audit. I wonder if you have found the information you need?