Can credit card entry generally pass?

Credit card input failed. After receiving the applicant's information, the bank credit card center will enter the applicant's application materials. At this point, the relevant online inspection status will be displayed and entered. If the relevant bank personnel or systems need to be audited, you can call or official website to check the progress of the credit card application, and you will be notified by SMS or email after the approval.

What does it mean to apply for credit card entry?

After receiving the applicant's information, the bank needs to input all kinds of information and data into the banking system. It is said that at present, the internal audit of the bank realizes "paperless" office, and the bank scans the applicant's information at high speed to generate picture files.

Subsequently, according to different areas of the application form, it is automatically divided into smaller picture files, and each small picture only contains one content filled in by the applicant. What does it mean to apply for credit card entry? That is, the bank staff input the information you submitted into the credit card system, and each staff member can only be responsible for inputting one item. For example, a staff member who enters an ID number can only see the ID number.

Each small picture will be entered twice by two different staff members. If the content entered twice is the same, it will enter the system. If the content is different, the thumbnail will be given to a third person for identification to ensure the accuracy of the input information. When all the contents of a credit card application form are entered, it will enter the review process.

Enter the audit stage after applying for credit card entry.

I. Preliminary review

1, electronic audit

After applying for credit card entry, the electronic system will first evaluate the integrity of the information in the application form, and then judge whether the applicant meets the hard requirements such as age and income with the personal information on the application form, and will automatically query the credit status of the applicant in the personal credit information system as a reference. After the preliminary electronic screening, the form will enter the manual review stage.

2. Manual audit

First of all, the staff will reconfirm whether there are any omissions in the application form, whether the signature meets the requirements, and whether the ID card is clear. , and then review the submission channels of the application form to determine the authenticity of the information in the application form.

Second, further review.

Banks will analyze the historical data of applicants according to the principles of mathematical statistics and manual experience, and make comprehensive evaluation and ranking of applicants. Decide whether to give the applicant a card and how much.

When there is ambiguity between the approval and disapproval of the system, it will return to manual approval again, and the most experienced approver in the bank will decide the final result.