Minsheng Bank credit card has passed the preliminary examination and final examination, and will send a text message within three working days.

The preliminary examination only means meeting their credit card application qualifications and submitting your information to your superiors. You can check the progress after starting the formal audit.

No matter which bank applies for a credit card, the banking system will score 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. If the qualification is up to standard, the bank will approve the card, otherwise it will refuse the visa.

Extended data:

Several points that affect the credit card limit;

Fixed income: The higher the annual income you fill in face to face in the bank, the higher the score, and the scale of the company's industry is also very heavy. But it should be in line with your status and ability to repay money.

Work situation: freelancing means changing jobs frequently or doing odd jobs in factories, and the income is very unstable; Special professional work scores are relatively high, and professional work is relatively stable, so the score should be high. Work certificate: more than 2 years, 1 year, the bank is the best, and the salary is social security.

Legal age: Too young to have a stable job, many banks are not at ease, and elderly people with family responsibility will not spend money indiscriminately and will not pay back the money. (This should be more practical)

Bank flow: Credit cards care about whether you have frequent flow transactions with the bank. The bank checks your income according to your flow, and if there is flow in the account, there will be income. It is best to have a fixed deposit in the applicant bank, which is directly beneficial to the bank.

Fixed telephone: generally refers to the home landline, generally not installed. Only those who do business and buy a house can install a landline, which also determines your industry and personal strength. The telephone number of the company can prove your current work situation. Connecting the phone directly affects the quota.

House certificate: It represents your local status and your own ability to make money. You buy a house if you are strong, and you are not afraid that you will not be able to pay this little money. Don't write short rent. It is best to provide a 6-month water and electricity invoice.

Working hours: See if you can work safely and stably. Stable work naturally proves that income is also stable. The work certificate of the unit+the salary and social security issued by the bank is your best proof.

Application record: Frequent bank inquiries in a short period of time are enough to reflect your financial pressure. Don't let the bank know that you are short of money. There are basically several situations for checking credit information: 1. Apply for a loan; 2. Apply for a credit card; 3. Guaranteed loan. Never cross the city to check the credit information, let alone cross the province.

Credit record: that is, credit record. Never have overdue bank records, which will directly affect the score of card approval. It is best to have the garage supply record of the bank, because it can be seen that you not only have assets, but also have good repayment ability.

References:

Baidu encyclopedia-credit card