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Your credit card has passed the preliminary examination.

Hello, your credit card application has passed the preliminary examination! Please bring your ID card to any outlet of China Merchants Bank as soon as possible for signature confirmation. I'm sorry, you're going to an interview,

1. After applying for China Merchants Bank credit card by online banking for the first time, there are two 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 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 that day, the system will issue the card that night, and the card will be mailed to you, and it will be received about one week after mailing.

In addition, due to the epidemic situation, our staff is temporarily unable to provide offline services for you, and we will call you at a suitable time as soon as possible. In addition, the validity of the credit card face-to-face sign is extended to 60 days. You can contact credit card customer service for details.

Second, a warm reminder

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.

3. To apply for a credit card of China Merchants Bank, you need to bring the original ID card (temporary id card can't handle it) to any China Merchants Bank counter for face-to-face signing. You can pay attention to whether the campus card allows you to go to the same city outlets through SMS. Failing to apply for face-to-face visa within the time limit shall be deemed as giving up the application for credit card. And you can't submit a credit card application again through online channels within 90 days.

Credit card approval process:

1. Step 1: Internal evaluation of banks

First of all, the bank will input the basic information of the applicant into the internal evaluation system for preliminary evaluation.

If you have done business with banks before, such as handling savings cards and credit cards, applying for loans, purchasing wealth management products, etc. Then the bank can know if you are a good customer of the bank.

If it is a quality customer, the credit card is basically approved in seconds. If you want to be a high-quality customer of the bank, the most direct way is to deposit 500-65438+10,000 yuan directly, and the amount in the card is 30,000 yuan.

2. Step 2: Inquire personal credit information.

Credit card is actually a simple credit service. It can be said that applying for a credit card is no different from applying for a loan.

In order to reduce the bad rate of credit cards, according to the relevant (hard) regulations, banks must check the applicant's personal credit report.

It should be noted that in addition to overdue credit business, if there are too many credit inquiries, or the water and electricity bills are not paid on time, or there is a criminal record at the police station, it will affect the approval of credit cards.

3. Step 3: Personal comprehensive score.

Also called credit score, it is given by the credit scoring system of each bank, and the level of credit score will directly determine whether the bank will grant credit and the amount of credit.

As we all know, the higher the credit score, the greater the probability that the cardholder will get the card, and the higher the credit limit, and the bank's credit score standard is strictly confidential.

Step 4: Hold a credit card

Banks will refer to the applicant's credit status when approving credit cards.

At present, in addition to the four major banks and China Merchants Bank, other banks can "do cards with cards".

Is the credit card successful if it passes the preliminary examination?

It is not successful to pass the credit card preliminary examination, but the applicant's information has basically met the bank's card issuance standards, and the applicant should pay attention to the final audit results.

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.

Measures for the supervision and administration of credit card business of commercial banks Article 43 A customer who applies for the bank's credit card for the first time may not issue a card by automatic card issuance in the whole process. Credit card applicants should strictly review and strengthen risk prevention and control in the following situations:

(1) Leaving relevant suspicious information or criminal records in the identity information system;

(2) There is no credit record in the credit information system;

(3) Having a bad record in the credit information system;

(four) there are many bank loans or credit card credit records in the credit information system;

(5) Business travel cards and business shopping cards handled by the unit;

(6) Risk information obtained from other channels.

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.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal? . 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.

Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units. It is a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.

A real credit card has the following characteristics: cash is not allowed to be pre-deposited, it is paid after consumption, it enjoys an interest-free repayment period, and it can be repaid in installments (with a minimum repayment amount). Joining international credit card organizations such as VISA and MASTER can be used worldwide.

What does it mean for a credit card to pass the preliminary examination?

The preliminary examination of credit card means the completion of the examination of personal information and assets. The contents of credit card preliminary examination mainly include personal basic information, work certificate, income, etc. If the information is incomplete, the applicant will be informed to fill in the information.

After the preliminary examination is completed, the general bank will also check the applicant's credit record. Banks mainly check the inquiry times of credit information and the specific situation of applying for loans or credit card business. In this way, it can be judged whether the applicant's past credit information meets the conditions for card approval.

1. Can I prepay my credit card?

Credit cards can be repaid in advance; And there is no handling fee. Under normal circumstances, the repayment order of credit card is to pay the bill first, and then not to pay the bill. The rest of the money becomes "overpayment", and credit card consumption will default to paying the overpayment first. Some banks charge fees for taking out credit card overpayments, which needs to attract the attention of cardholders. That is to say, if we have both the issued bill and the outstanding bill of the credit card, our repayment will offset the issued bill first, and then the remaining money will repay the outstanding bill. Whether it is full repayment or partial repayment, the credit limit of the cardholder's credit card will be restored, but the paid repayment amount will be restored. If the current bill is not paid on the last repayment date, there will be a late payment fee, which may also affect the credit history of the cardholder.

2. Can I prepay by installment?

Credit card installment business involves installment fees, which are charged by some banks in one lump sum and some banks in installments. Generally speaking, if you handle the credit card installment business, you can repay in advance. For example, if you handle the installment of 12, you will have sufficient funds by the sixth installment, and you want to repay in advance, which is ok. However, if the credit card is repaid in advance after installment, the installment fee is often non-refundable or the bank will accept the remaining installment fee. However, at present, ICBC and CITIC in domestic banks do not charge installment fees for the remaining installments, and CITIC credit card fees are charged by installments. In the process of bill or single installment, one-time repayment can be made in advance. After prepaid, the expenses incurred in the previous period will not be refunded, and the expenses that have not yet been incurred will not be charged.

So much for the introduction that your credit card has passed the preliminary examination.