Everbright Credit Card passed the first trial, and the interview is ok! SMS to remind credit card final review! Is it necessary to make a final judgment?

If you pass the preliminary examination and face-to-face signing, the card issuance rate will generally be higher. The final review is the background review of the credit card center, such as credit information and asset status.

If all pass, you can get the card within 15 working days. For details, please call credit card customer service directly.

1 review

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.

Step 2 issue cards

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

Step 3 open the card

Because the credit card application is sent by postcard, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.

After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.