Credit card approval succeeded.

What does it mean that China Bank's credit card application shows that the approval is complete?

Completing the approval means that your credit card approval has been completed. Please wait patiently for the approval result. If you have any objection, you can call the customer service hotline.

The above contents are for your reference. Please refer to the actual business regulations.

The credit card has been approved. Did it work?

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.

Extended data:

apply for

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, legal persons can also act as applicants.

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. [9]

check

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. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

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After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.

The credit card was approved a few days before it was obtained.

Generally, you can get the card within 2 weeks after the credit card is approved. If it is in the same city, you can get the card within 1 week. Because banks usually send you credit cards by registered mail or EMS, and send you the single number when mailing, you can always log in to official website Post to check the express delivery information.

When you receive a credit card, you can activate it at Bank official website, Mobile Banking, WeChat official account and bank outlets.

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".

In addition, if the number of credit cards exceeds 5, it is difficult to use CCB cards unless the qualifications are excellent. The salesman of CCB also said that he could use a card.

If you are anxious to check the progress, you can go to the website to see if it has passed, or you can call the credit card department to check. If it has been approved, you can wait about 20 days to issue the card, and then send it by online number, which takes 7- 10 days, so the total process takes 45 days at the earliest, and the cycle is about 45 days to 70 days.

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

No, after the user submits the credit card application materials and passes the preliminary examination, the bank will also conduct the final examination of the user, and only after the final examination can the credit card application be considered successful. But only after passing the preliminary examination will the bank enter the business card printing stage. Users can check the progress of credit card application and enter the business card printing stage after approval, so the application is basically successful.

The information of the applicants who have passed the preliminary examination has basically met our card issuing standards. Applicants should pay attention to the final audit results or mail the card information.

The contents of the preliminary examination of the bank audit department include personal basic information, identity card information, work and family information, etc. If the information is incomplete, the bank will prompt the applicant to improve the information by calling the fixed telephone or mobile phone. In the process of applying for a credit card, applicants are advised to keep their mobile phones open.

After the preliminary examination is completed, the bank will go to the credit center to check the applicant's credit record. This step is crucial, which determines whether the applicant can successfully apply for a card and whether the applicant can get a high credit card.

You can get off the card after passing the preliminary examination, and then you need an interview. The requirements of each production line are different:

1, Bank of China (send the card first and then sign it). Applicants bring their ID cards and credit cards to the outlets for face-to-face signing, copy a paragraph, copy their ID cards, sign and take photos, and some individuals will ask for income proof, real estate license, driver's license or social security accumulation fund.

2. The face-to-face signing of ICBC (before issuing the card) and Universe Bank is relatively easy. The applicant should bring his ID card, copy a paragraph and sign it. The card will be sent to the designated branch, and the interview will be 100%.

3. The applicant of China Construction Bank (sign before sending the card) brings his ID card, and the lobby manager takes you to the machine to sign, take photos and sign. The whole process is relatively simple, and you can also check the quota on the intelligent teller machine.

4. The applicant of the Agricultural Bank of China (signed before sending the card) goes directly to the counter with his ID card, copies it at the counter, copies a paragraph and signs it. ABC's face-to-face signing is chaotic, and its outlets are different. Some will ask you to fill in a blank form, some will ask you to wait for the card before signing in person, and some will ask for a local account or real estate license and a bank account. If you have ABC online banking, you don't need to sign in person to apply for a credit card in online banking.

5. The applicant of China Merchants Bank (signed before sending the card) should bring his ID card, copy a paragraph and take a photo. During the interview, you may meet the staff asking you to apply for a savings card or buy wealth management, which may help you to apply for a card and withdraw money according to your personal reality.

What does it mean to apply for a China bank credit card to explain that the approval is completed

Successful approval means that your application has been approved. Please wait patiently for the approval result. If you have any objection, please call the customer service hotline for consultation.

The above contents are for your reference. Please refer to the actual business regulations.

How long can I get the credit card after it is approved?

Usually two to three days, different banks are different.

I. China Merchants Bank

1. approval time: the credit card center will complete the approval within 10 working days after receiving the submitted application materials;

2. Business card printing time: 1~2 days after approval;

3. Mailing time: After the business card is printed successfully, the credit card and card letter will be mailed out, and a short message will be sent at that time, which can be delivered within 1 week.

Second, Industrial Bank.

It depends on the card processing channel.

1. offline application: the credit card center will review the submitted credit card application materials within 8 working days after receiving them, and the review results will be notified by SMS.

If the system prompts "Business Card Processing" or "Approved Business Card Processing" when querying the application progress, the credit card has been successfully applied. Normal delivery takes about a week.

2. Online card processing: online self-service credit cards such as Industrial Bank WeChat and mobile banking can take 5 minutes at the earliest and 8 working days at the longest.

If you receive a short message that the verification card is successful, you need to go to any outlet of Industrial Bank for identity verification. After that, the physical card will be sent to the address filled in the application on the second working day, and it will take about a week to arrive normally.

How long does it take to apply for a credit card? Different banks have different card processing times.

Third, Minsheng Bank.

1. Review time: depending on the card processing channel. Under normal circumstances, the audit results can be obtained within 30 working days after the data is entered into the system through outlets or sub-centers; Customers who apply for cards through the network will be T 1 approved as soon as possible; For new customers, the bank will review the application materials immediately after receiving them, and the result will generally be around 15 minutes.

2. Time to send the card: Generally, the card will be made and sent to the post office within 5 working days after the card is approved. If the card has special technology, it will add 3 working days. When handling the card, the bank will send the mailing number to the mobile phone number reserved when handling the card.

Four. Guangdong Development Bank

1. Approval time: the bank will complete the approval within 5 working days after handling the card through online channels such as official website credit card, mobile banking and WeChat. ;

2. Card-making time: after approval, the card will be made within 1 working day (6 working days for airline cards).

3. Mailing time: EMS/ZJS/ Jingdong Logistics, which will arrive in about 3 days; Registration is coming soon/it will arrive in about 7 days.

How long does it take to apply for a credit card? Different banks have different card processing times.

Verb (abbreviation of verb) China CITIC Bank

The card processing time depends on the card processing channel.

1. Online card application: The online credit card application process is faster. There is no receiving link in the online application counter confirmation method, and the card will be sent by express delivery, which takes about 3 working days.

2, outlets do card:

(1) Approval time: fill in the information of the credit card applied for by the card handling business specialist or outlet, process it in the credit card center within 10 working days, and complete the approval within about 7 working days after receiving the complete application materials;

(2) Card delivery time: Puka and Gold cards are registered by appointment and will arrive in about 7 working days; Platinum card is delivered free of charge and will arrive in about 3 working days.

So much for the introduction of successful credit card approval.