SMS China Merchants Bank is under review.

I. Handling the credit card of China Merchants Bank I received a text message saying that my card passed the preliminary examination, and asked me to go to the business hall to sign for confirmation. Will I get the card immediately after signing the contract?

Under normal circumstances, signing at the counter means that the credit card review has passed. After the credit card is issued, the bank will make the card within two working days and send it by registered mail, which usually takes about one to two weeks to receive it.

Review:

After receiving the application form and related materials submitted by the applicant, the issuing bank shall examine the credit standing of the applicant. The contents of the review mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and reviewing the relevant information of the personal guarantor.

Under normal circumstances, the bank will review the applicant's information and economic situation 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.

: card issuing:

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.

Card opening:

Because the credit card application was sent by mail after being approved, there is no guarantee that the recipient is the applicant. In order to protect the applicant and the bank from theft, the credit card has a card opening procedure before it is officially opened.

Card opening is mainly through telephone or Internet. , check the relevant personal information provided at the time of application, and complete the card opening procedures after meeting the requirements. At this point, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After the credit card is opened, it is generally necessary to set a password for the card.

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

Credit card Baidu encyclopedia

2. China Merchants Bank sent a text message saying that it passed the preliminary examination and asked the bank to sign for confirmation.

If you don't go to the bank for an interview, you can't apply successfully.

After receiving your application materials, our credit card promoters will forward them to the audit department of the credit card center. It usually takes 10 working days from the receipt of your application materials by the audit department to the completion of the credit card audit. If the card is approved, it will be made and sent within 2 working days, and a short message will be sent the day after it is issued. After receiving the SMS, you can check the card delivery progress in 2-3 working days. By default, the card is sent to the customer's billing address by registered mail, and the general delivery time is within 15 days.

China Merchants Bank sent a message that the credit card I applied for passed the preliminary examination and asked me to go to the bank to sign for confirmation. What does this mean?

According to the information in the short message, you can go to the bank with all the relevant documents required by the short message. If you are cautious, you can also call China Merchants Bank with the mobile phone number you received the text message before you go. The customer service of the bank can find this short message, and it is safer to handle it after confirming that there is no problem.

4. China Merchants Bank sent a text message saying that it passed the preliminary examination and asked to go to the bank to sign for confirmation.

If you apply for China Merchants Bank credit card, you need to bring the original ID card to the counter in the city where you apply.

If the system passes the preliminary examination, the SMS invitation for face-to-face signing will be triggered, and the time limit for face-to-face signing is 30 days. Failing to apply for a face-to-face interview within the time limit is regarded as a waiver of the credit card application. And you can't submit the letter again through the network channel within 90 days.

After the card is issued, you can apply for a second card. You can apply online or fill in the application form again (no other fees will be incurred except the annual fee). Before the original card expires, you can continue your work certificate and identification documents. Generally, you can check the application progress within 5 working days. I chose the wrong card and didn't like that card. I didn't expect it to pass the preliminary examination now. What should I do?