Which banks can approve credit cards in seconds?

There is no secondary approval for credit cards, but the speed and mode of the approval system determine the speed of the approval results. My old club, China Construction Bank, used the mode of automatic scoring and manual scoring for suspicious or special projects, and it can score in 10 minutes. The Agricultural Bank of China is now adopting a similar model. This bank holds background information of many customers, such as salary generation and mortgage loans, and obtains the credit information of PBOC through your approval. Now China Construction Bank, Shanghai Pudong Development Bank and China Guangfa Bank. Nowadays, many banks have launched electronic credit cards, that is, they can get the card number, expiration date, CVV code and other approval results, and they can use them directly through SMS.

China Construction Bank, China Merchants Bank, ICBC, Agricultural Bank, Bank of Communications, CITIC, Minsheng, PUFA, Ping An and China Everbright all have virtual cards.

You can apply for it yourself if you need it, and you can add me if you don't understand it.

There are many credit cards that can be approved in seconds. However, I personally feel that these second batch of credit card rights are not particularly good. Of course, his bid threshold is relatively low, which I admit.

Let me give you an example. The threshold of Bank of Communications is very low, and it is approved once every second. However, except for the right of 56-day repayment of Bank of Communications, the rest of the rights and interests are really not very good.

Then it can be approved by Industrial Bank in seconds. Can the rights and interests of Industrial Bank be exempted from annual fees for life? Of course, you are applying for this thing.

Then, Shanghai Pudong Development Bank can also approve it in seconds. The rights and interests of Shanghai Pudong Development Bank are also free of annual fees for life. Of course, his rights and interests, except this. I think there's basically nothing else.

Then, CITIC Bank can also approve it in seconds. CITIC Bank's rights and interests are not that much. Well, I feel that his rights and interests are nothing, because I didn't find it interesting after applying for CITIC Credit Card for a long time, and I cancelled it again.

Then there is the credit card of Minsheng Bank. The credit card of Minsheng Bank is characterized by a relatively high credit card amount, which is slightly higher than that of other banks. This may be his right. As for how to use it, I can't say, because I don't have this credit card after all.

Then these are the basic batches of seconds. Here I will focus on China Merchants Bank. China Merchants Bank, although it can't be approved in seconds, the application threshold is not particularly high. Because the rights and interests of China Merchants Bank are particularly good, it can be said that it is a credit card in a credit card. Many people were holding China Merchants Bank's credit cards, and he quickly raised them. His card holding capacity is second only to aunt's bank in China. It can be seen from this that his rights and interests are still very good. I suggest that the landlord also apply for a China Merchants Bank card. After all, we only apply for a credit card to enjoy more rights. If the rights and interests are particularly small, to be honest, it really doesn't mean anything.

Then I recommend an aunt who can do it, which is ICBC. Industrial and Commercial Bank of China, although the bidding door is relatively high, um, the amount of cards issued is not very high. But you often use it. I'll bring it up slowly. One of his biggest characteristics is that the staging rate is very low. In other words, when you need money urgently, you can disclose his money and use it in stages as a loan card. Because the rates of other banks are much higher than this aunt bank, it is not cost-effective, and only the aunt bank has a lower rate.

Then it is basically not good to ask other banks for equity. If so, one more thing is. If the landlord needs a fountain for any car, then I suggest that the landlord apply for a car exclusive card. If the landlord wants any airline's rights and interests to be planes, then the landlord will apply for this special aviation card. The landlord should consider this.

There are more than one credit card in the second batch, and there are more than one credit card. I wonder why so many people say no.

Minsheng, Xingye and Everbright can all be approved in seconds, as long as there are suitable application channels and counterpart qualifications.

Show me the evidence first, then explain the principle.

This is the result of applying for customers three months ago. I am also surprised by this result, and the number of places is still quite impressive.

Let's talk about Xingye first. Xingye's requirements are very simple, and there is no overdue. Other banks have more than 5,000 credit cards, which have been used for more than half a year. Information and materials are consistent with the credit report. If the total credit is not high, it is basically approved once every second. The limit is the average limit of all credit cards. The limit of Xingye is within 15 minutes. You haven't received the text message for more than 30 minutes, and you receive the text message within 1-3 working days after manual review. Application channel: the exclusive QR code of the branch account manager.

Minsheng Bank attaches great importance to sesame seeds. If it is above 680, there is basically a chance. If it is not overdue, the information is true and can be checked. Application materials must be consistent with the information in the credit report. Generally, you can receive the text message that passed the preliminary examination within 5 minutes. However, the system of Minsheng Bank is prone to madness. In many cases, it is difficult to refer to the big data information on the network to predict the card approval. Application channel: the QR code of the employee recommendation card of the cooperative business.

The QR codes of the employees of China Everbright Bank and Card Center are authentic, and there is no abnormality in the inquiry of the company's industrial and commercial network. Basically 1 working days can receive the text message that passed the preliminary examination.

I'm Wang Long, and you are welcome to ask me questions about credit cards and banking.

No credit card in seconds. Generally speaking, applying for a credit card takes as little as a week and as many as several months. The processing time varies from bank to bank, or is affected by other minor problems.

Bank of Communications Credit Card: Bank of Communications Credit Card will approve the card within 7- 10 working days after receiving the completed application form and complete supporting documents required for card handling. If the application is approved, the card letter will be sent by registered mail, which can generally be received within 10 days after the card is sent, and the Bank of Communications will inform you by SMS after the card is sent. If the application materials provided do not meet the requirements of Bank of Communications for the time being, Bank of Communications will also notify the audit results by SMS or letter.

ICBC Credit Card: In general, ICBC will receive the card issuance notice 15 working days after the applicant submits the application materials; If the bank card issuance notice has not been received for more than 20 working days (inclusive), the application will be deemed invalid, and the submitted materials will not be returned by China Industrial and Commercial Bank.

China Merchants Bank Credit Card: After submitting the credit card application materials to China Merchants Bank, it usually takes 5 to 8 days to see the information you entered in the progress query. If it is sent by the postal currency card center, it may take longer; After the date is entered, the results can be found in about 7 to 15 working days. In the meantime, if the credit card is successfully approved, a text message will be sent to your mobile phone number. You can get a new card from China Merchants Bank by registered mail to the billing address within 7 to 10 days after the card is approved. If it goes well, you will get the card 22 days after submitting the application.

CGB credit card: In general, it takes about 15 working days for CGB credit card to review individual application materials. You can indicate on the application form that it needs urgent treatment (if you want to collect 80 yuan's money, you will deduct it from your card if you succeed, or you will not collect it if you fail. After the card is processed, it will be mailed to you by EMS. You need to explain to the business manager when you apply for a card, and you should also make a note on the application materials yourself. In addition, you should pay attention to the integrity of the application materials. If it is generally urgent, it will be received within half a month.

CITIC Bank Credit Card: Applicants who apply for CITIC Bank Credit Card for the first time will complete the examination in about two weeks if they submit complete information, and the examination results will be notified to the applicants by SMS. After the approval, the card will be issued in about 3-5 working days. When sending the card, it will be sent by registered mail or express mail, and the registered letter or express code will also be sent by SMS. If you are in a hurry, you can apply for a gold or platinum card, and the time will be shorter. However, the qualification preparation documents need to be complete, and the time is counted from the date when the bank confirms that the information you provide is complete.

Credit cards of Agricultural Bank of China: All credit cards of Agricultural Bank of China are uniformly reviewed and issued by Shanghai Headquarters. The review process is completed within 10 working days, and the general delivery process is basically received within 15 working days. Therefore, applicants can generally receive and use credit cards within 25 working days.

Industrial Bank Credit Card: The credit review of Industrial Bank will be completed within 14 days. If it is approved, Industrial Bank will start to make the card, which will take three days, but sometimes the staff will submit the information as needed, so 15-30 days will be enough.

China Bank Credit Card: It usually takes half a month for China Bank to apply for a credit card and receive it. If the application form is submitted at the outlet, the outlet will generally submit it to the credit card audit department in about one week. If it is handled in the business hall, it takes about 20 days for the audit department to audit. If approved, there will be a three-day business card printing period. The three-day business card printing was successfully sent by registered mail of China Post, and it took about 7- 15 days to reach the mailing address.

Credit card of China Everbright Bank: Credit card of China Everbright Bank will generally be issued within 15 days after accepting the application, and the bank will generally notify you by SMS (including issuing the card after approval). Generally, it will be received within 15 days after issuing the card. The credit card of China Everbright Bank is usually issued by registered mail in about a week, which means that if it passes, it will not fail. Please rest assured and pay attention to the inspection.

Ping An Bank Credit Card: The approval time of Ping An Bank Credit Card is about 10 working days after receiving the application materials, and the results will come out. Generally speaking, it takes three to five working days for the application materials to reach the Credit Card Center of Ping An Bank by bank, salesman or mail, plus it takes about 10 working days for the review, and it takes about five working days for the application materials to be mailed to the reserved address after approval. Overall, it takes about 20 working days from the time the applicant submits the application form to the time he gets the Ping An Bank credit card.

Citibank Credit Card: Citibank's credit card processing methods are different, and the approval time is also different: 1. Log in to Citibank official website and apply through its online banking credit card application channel. This method takes about 2-4 weeks to approve. 2. Apply through the Citibank credit card application channel of Card Baby. After verifying that the information is correct, there will be a regular bank credit card salesman on-site service, so that you can successfully apply for Citibank credit card without going out. The approval time of this method is about 2-4 weeks. 3. Take all the materials and apply in person at the local outlets of Citibank. Citibank is launching a new card sharing activity, and it only takes 60 minutes to get a credit card at the earliest. This method takes 60 minutes to approve at the earliest, which is suitable for people who need to apply for a card urgently.

Shanghai Pudong Development Bank Credit Card: Generally, after submitting the application, Shanghai Pudong Development Bank Credit Card will arrive at the branch within 10- 15 working days, and then send it to Shanghai Head Office for review, and the card will be delivered within 15 working days.

No bank can approve credit cards every second, and all of them need to be audited, and the audit of banks is stricter than that of banks. Bank credit card is an auditing system, and auditing is because it better provides the matching of credit lines.

First, although the bank does not approve every second, it will give a certain amount. Different from online lending, banks have a formal system. This management form can't exist for a second, and it can be said to be fair. It is based on the existence of depositors' personal credit, consumption records and employment relations, and it is a comprehensive presentation. There is still a certain presentation for bank credit cards. Moreover, when applying for a credit card, I didn't know the credit card amount at first, and I didn't know what the credit card amount was until I mailed it to the cardholder. In this process, there will be no second batch of behaviors.

Second, improve daily consumption records and credit rating, and any bank will give you a second approval. In fact, the second batch is a concept. Although there is no second batch in the bank, it is all second batch. There is a difference in time and more waiting time is needed. When you apply, you will be given a credit line after knowing the basic situation of the user, which can be said to be a second batch. But? What is needed is waiting time.

Third, the second batch does not mean high quality. The more credit cards that can be approved in seconds, the more cautious they need. Many people hope to reach the second batch when handling business. But from the side, if the credit card is approved in seconds, it will inevitably lead to greater risks. Even if a single credit line is not large, the future risk is not small, because it is often a great risk to give a credit line at will without a comprehensive understanding of users.

Chief Investment Officer Commentator Messi:

At present, there are few credit cards in this society, mainly because they are convenient to use and can be used in emergencies. It's convenient to use, but it's more difficult to get a credit card. It will take a few days to fill out some employment certificates before you can apply. Some people just want to know how to handle credit cards quickly.

It used to take some time to apply for a credit card, but now the internet is developing rapidly, and it will be faster to apply for a card online. Just fill in the information on WeChat official account and submit it to the bank. Bank approval is faster, but the second batch is grouped. First, look at your credit, and then look at how many cards you have now. Then according to the stability of work and whether the address is stable, change the address three times a year. Work makes sense, too, if you change jobs frequently. The bank will feel that you are unable to repay in time.

Now many banks can do it in a few seconds. Except for the four major banks, other banks approve cards faster. If you want a second batch, you must save your credit information before applying.

I don't know how fast you said "the second batch".

In fact, many banks can do it according to "same day application" and "same day approval".

For example, Guangfa, which has always been known for its aggressiveness, has attracted investment from large card issuers. In the past two years, it has made great efforts in Xingye, Pufa, CITIC and Everbright.

However, it should be noted that the second batch of cards will only be approved in specific channels, specific users and specific credit cards. The most typical second batch of cards are all kinds of "co-branded cards".

As users of other platforms, applying for "co-branded credit cards" on this platform is most likely to be regarded as the most important business component of commercial banks by "second batch" credit cards, with more emphasis on risk control.

After all, the amount of a card ranges from thousands to hundreds of thousands, and the applicants can't approve it. Can you figure it out?

Theoretically, the bank's approval of credit cards includes the following steps: receipt, system filtering, manual review and telephone call back.

However, with the penetration of Internet technology and the development of big data technology, banks can cooperate with large Internet companies, e-commerce platforms and payment platforms to issue "co-branded credit cards" to specific users who meet the requirements, which can greatly reduce the difficulty of credit card risk control, greatly improve the audit efficiency, and even achieve 24-hour "second batch" or even 1 minute second batch.

Of course, the premise of the second batch is that your credit information is not tainted at present.

Several "co-branded credit cards" approved easily in seconds. Let me talk about some cards that I think are the easiest to approve according to my own experience in handling cards.

1, hungry, co-branded card

The fastest co-branded credit card I have ever run is the "Hungry" co-branded credit card of Industrial Bank. It only takes less than 10 minutes from filling out the form and submitting it to receiving the short message transmitted by the nuclear card. Maybe it's because I'm hungry, old user+high frequency user.

It was this "three-color ice" that was applied for at that time, but it was just an ordinary card. It's only 8,000 yuan, and it's not easy to raise the amount. After two years, I will apply for cancellation.

2.JD.COM Xiaobaika (Co-branded Card)

In recent years, JD.COM has made great efforts in the financial field, and together with a number of banks, he has set up a bunch of "small white cards", which are actually JD.COM co-branded credit cards.

White cards are suitable for white credit card users, as long as you are an active user in JD.COM.

And if you open a small white card with no overdue record in JD.COM and buy a wealth management product from JD Finance, preferably a plus member from JD.COM, then the application for a small white card is basically a "second batch".

The small white card I applied for at that time belonged to CITIC Bank. Fill in the form from Jingdong Financial APP in the morning and receive the approval notice at noon. The gold card has a limit of 3W.

Many people around have also applied for small white cards. At present, it is relatively fast (approval within 24 hours). In addition to CITIC, there are also China Merchants and China Everbright.

3. Tencent "Micro Plus" Co-branded Card

Tencent's micro-plus co-branded card is being promoted. Enter "My Wallet" and you will see the application portal.

If you have already purchased fund management in Licaitong, or purchased "balance+",opened "micro-loan", or bound other credit cards and successfully repaid, then you have a high probability of handling a "second batch" of Tencent co-branded cards.

At present, if you apply for a Tencent co-branded card, the default bank is Industrial Bank, and the default bank that you apply for at the beginning of the month is Guangfa. The real card is like this:

At that time, I applied at 2 pm, and in less than 30 minutes, the approval message came:

Asked the bank's small partners, Guangfa/Xingye Tencent co-branded card is a gold card. My initial quota is 3.5W, and the maximum quota can be 5W. It is relatively easy to increase the quota. You can customize the three rights you want according to your own needs, such as 5 times points for online shopping and 5 times points for supermarkets.

Personally, I think Tencent's co-branded card is a "second batch" card with good cost performance.

4. Meituan commented on the co-branded cards, the fastest second batch of "Platinum Cards"

After the merger, "Xinmeida" has more user data information, and many banks are willing to use it as a cooperative card issuing channel.

If you are a senior user of Meituan, you often order takeout and group purchases, have certain spending power, and have used other bank credit cards normally, it is basically a second batch to apply for Meituan co-branded cards.

However, it should be noted that the US Mission Review of Shanghai Pudong Development Bank is a standard platinum card. Although it is easy to approve in seconds, the quota is often the Puka quota. A friend of mine approved the joint card of Meituan Review in seconds, but the quota was only funny 2000~

Of course, at present, in addition to Shanghai Pudong Development Bank, you can also apply for the Meituan co-branded card of China Everbright and Shanghai Bank. I believe that the quota will not be so funny.

Banks take the initiative to invite you to apply for a card, and typical ones such as Brick Bank (China Bank) and China Construction Bank may be approved. If you have enough deposits, or have purchased their wealth management products, and there is no problem with personal credit information, you will generally receive a short message from them inviting you to apply for a card:

Note that it must be a short message, clearly containing the credit card type and telling you what rights you have. If you apply, you will be approved in seconds.

If it's the kind of short message that only asks you to apply for a credit card and tricks you into applying for a XX gold/platinum card, it's the same as not saying it, so don't waste your time applying. It's one thing to approve or not ~

Hello, everyone, I'm returning it.

Generally speaking, as long as mainstream commercial banks have social security/provident fund/unit qualifications and meet one of these three standards, they can happily get off the card. By the end of the year, many banks are still issuing loans to new tenants and tightening loans to old tenants. Based on my own experience, I will talk about two banks that have new customers approving credit cards every second.

1, Guangfa Credit Card

Basically, I sent a text message as soon as I submitted it, and I approved the Shang Zhen Platinum Card in a few seconds.

2. Bank of Communications Credit Card

It is also a model of one-minute direct withdrawal. The card will arrive the next/third day. Just go to the counter to activate it.

However, in general, the amount of cards just issued by Bank of Communications is relatively low, especially for white households, which are mostly 2k food cards, but they can be used as a springboard to apply for gold cards from major banks.

3. Industrial credit card

Card friends with average qualifications don't have to blindly follow suit. The amount of gold card with relatively loose card conditions is not necessarily lower than that of platinum card, and the annual fee can be reduced or exempted. Like Xingye Taobao Card and Constellation Card, they are all good choices.

How to get a card will be easier to pass? 1. Select the bank that cooperates with the company to bid. For example, the bank where the salary card is located, as long as it is not a high-end platinum card, is generally easier to apply for a card, and the amount will be higher.

2. Apply for a co-branded card. Generally speaking, many co-branded cards are newly promoted or even promoted by banks, which is easier to handle. You can also enjoy exclusive privileges and benefits by choosing a co-branded card.

3. Choose online channels such as Alipay. Alipay has been docked with many banks such as Minsheng and Pudong Development Bank. As long as the sesame score is above 600, it is possible to batch in seconds.

How to fill in the card application information form? When applying for a credit card, the standard in each banking system is to screen the applicant's age, income, education, consumption, marital status, occupation and other dimensions, calculate the individual's comprehensive score, and finally reflect the applicant's qualifications.

1, marital status: Married with children scored the highest because they were relatively stable.

2, education: high education will add points, but don't exaggerate, undergraduate will do.

3. Residence status: self-purchase without loan, plus points. Explain that the economic strength is good and there is no burden.

4. Personal annual income: don't exaggerate, combined with personal real situation, about 10- 15000.

5. Duration of current address: The longer the better, be careful not to be outrageous.

6. Current working hours: at least 1 year, the longer the better.

7. Occupation and industry category: institutions, state-owned enterprises, top 500 enterprises and well-known enterprises are the best.

8, mailing address: it is best to choose the address of the unit, you can add points.

Many people will think that beautifying the application materials, the higher the education, the better, and the higher the income. But in fact, it is still necessary to focus on truth, and academic income does not have to be too high. After all, no matter how high the amount is, you have to pay it back on your own. If there is any problem with repayment, you can come and find it.

I believe everyone knows what three noes are, no education, no job and no assets.

As long as there is a suitable application channel or something, I will be happy.

My 10 credit cards are all operated by myself, and the limit is 10,000. I won't do it again if I don't get the card for one second.

This depends on your personal qualifications and comprehensive scores. If your credit information is good, unexpected and the debt ratio is low, and the sesame score is above 750, you can apply for the second batch of Minsheng and Industrial Bank. As long as you have a normal job and have paid the provident fund social security for more than half a year, such as business, transportation, agriculture and Guangfa, you can approve it in seconds, and the amount is not low, so whether you can approve it in seconds depends on your comprehensive score.