China merchants credit card audit for a few days

How long does it take for China Merchants Bank to apply for a credit card?

Generally, it takes about 15 working days to apply for China Merchants Bank credit card, with a maximum of 30 working days. The approval procedure is generally 1 to 15 working days. After the approval, it will enter the step of making business cards. It usually takes 15 working days to make and send business cards, so the time for approving bank credit cards is 15 working days to 30 working days.

The credit card review of China Merchants Bank will be completed in a few days.

1. It usually takes 10 working days from the new application to the completion of the credit card review, and a text message will be sent when it is issued (it is not necessary to review the card when it expires);

Credit card delivery: generally, a new card or replacement card will be delivered to the billing address within 2 working days after business card printing. Generally, registered mail /EMS takes 3- 15 days; If the card is not received or returned in time, you can call the credit card hotline 5 for inquiry and handling.

2. If you apply for China Merchants Bank credit card through online banking for the first time, the system will make a preliminary review according to the information you fill in. After the review, there are two different situations:

1. The Commissioner of China Merchants Bank will contact you by phone within 4 working days to make an appointment for the door-to-door time;

2. To send you a short message of audit notice, you need to sign at any branch of China Merchants Bank within 30 days with the short message and valid ID. If the verification is successful, the card will be mailed to you and will be received about a week after mailing.

Third, warm tips

1. These two situations are automatically assigned by the system and cannot be selected. The final result is subject to approval.

2. If the interview time exceeds 30 days, you need to resubmit the application materials at the outlets, and you can only apply once within 2 months of online banking reservation.

China Merchants Bank (1987) was established in Shekou, Shenzhen. It is the first joint-stock commercial bank wholly owned by an enterprise as a legal person in China and the first pilot bank to promote banking reform from outside the system.

The development goal of China Merchants Bank is to become a leading retail bank in China. 1In July, 1995, the one-card bank card was launched.1In September, 1999, Netcom, the first online bank in China, was launched, which became a widely used online payment tool for many enterprises and e-commerce websites, and promoted the development of e-commerce in China to some extent. 201April 2, 5 China merchants group co., ltd. plans major events. In order to ensure fair information disclosure, safeguard investors' interests and avoid abnormal fluctuations in the company's share price, the company's shares were suspended from trading on April 3, 20 15 upon the application of the company. In August of 20 16, China merchants bank ranked 39th in "Top 500 Chinese Enterprises in 20 16".

Zhao Yue, the largest private bank in China, took over as the general manager of the private banking department of China Merchants Bank and switched to foreign banks.

How long does it take for China Merchants Bank's credit card review?

It takes 10 to 15 working days for the credit card review of China Merchants Bank. If the applicant has good qualifications, it will take 10 working days to receive the approval information; if the applicant has poor qualifications, it will take 15 working days.

Under normal circumstances, it usually takes 10 working days for China Merchants Bank Credit Card Center to complete the approval after receiving the application materials. Naturally, if there is no accident, the card will be received within 15 days after receiving the card notification message.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

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, a legal person can also be an applicant.

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.

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.

How long does it take for China Merchants Bank's credit card review?

It usually takes 10 working days from receiving the applicant's credit card application to reviewing the credit card. After the credit card review is completed, it will be made and sent to the address designated by the applicant within 2 working days. China Merchants Bank usually sends credit cards by registered mail or EMS, which usually takes 3 to 15 days.

Generally speaking, it takes at least 17 days from the successful submission of the credit card application to the receipt of the credit card by the applicant. Therefore, applicants need to wait patiently. During the credit card review and delivery, the applicant needs to keep his mobile phone turned on. Failure to collect or return the card in time will prolong the card collection time.

After China Merchants Bank has applied through the applicant's credit card, it will send the approved SMS to the applicant, and the applicant should not block the SMS of China Merchants Bank.

Applicants can check the progress of credit card application and mailing through China Merchants Bank's mobile banking, online banking, Pocket Life and WeChat banking.

Credit card review needs comprehensive evaluation of China Merchants Bank, and there are many reference factors, including but not limited to age, work, income, education, financial proof, as well as the applicant's card use and credit status in other banks.

In order to reduce the time for applicants to obtain credit cards, applicants need to provide true, valid and complete personal data.

How many days does it take to review China Merchants Bank's credit card? It will be over in a few days.

The credit card review of China Merchants Bank takes about 3 to 7 days. If you haven't got the card for half a month, it must be hopeless. Yes, if your basic information is relatively complete. And my own job. Solvency or something. Both are better. There is a great possibility of getting rid of the card.

Supplementary information:

Credit cards are sent by registered express mail, and the delivery speed will be different in different regions.

1. If you send a registered letter, it will usually be received in about 7- 15 days;

2. If it is sent by EMS, it will take 3 to 4 days for the whole country, 2 days for this province and 7 days for foreign countries (countries that have signed a peace treaty with China).

3. The above is calculated from the time when the bank sends it, excluding the time when the business card is printed.

Extended data:

1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

2. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement and cash deposit and withdrawal. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.

3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the billing day.

4. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

5. From the date of 202 1 and 1, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is five ten thousandths of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate). On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

Let's call it a day to introduce the audit of China Merchants Credit Card.