Learning Credit Card from 0 (Audit) —— Revealing the Credit Card Audit Department of "Mysterious Organization"

Nowadays, the popularity of credit cards is getting higher and higher, and the number of cardholders is increasing. Fake card application, malicious overdue, illegal cashing and other phenomena also followed. Therefore, the audit of the banking industry is becoming more and more strict, and many people often refuse to apply for cards. Generally, banks will only send text messages to inform you that you don't meet the requirements of co-branded cards. A thousand words are condensed in just a dozen words, and the specific reasons are not clear at all. Finally, why did you fail to apply for a card and why was your application for a credit card rejected? Today, I will take you to understand the birth process of credit cards and discuss how the credit card audit department works.

Privacy is protected and information is entered separately.

Credit card credit review has always been an important department, because it is the key link to master the success of credit cards. It's not as complicated as people think. Now paperless office is implemented. Every day, the application materials sent from banks, mobile phones, official website, WeChat, third parties and other channels all over the country will be divided into different parts, and each staff member will be responsible for inputting one piece of information separately to protect the privacy of the applicant. After all the information is entered, a complete application material is completed and the next link is entered.

Machine preliminary inspection, manual review

In this link, the audit is divided into preliminary audit and manual audit. Some banks claim to produce results in 5 minutes at the earliest, that is, to directly check the information through electronic audit and list the basic requirements. When several of them are reached, the success of the nuclear card will be automatically displayed. This method is suitable for users with above-average conditions, such as a fixed salary, an above-average level, a record of deposit or purchase of financial insurance at the card bank, and no bad credit record.

Generally speaking, there will be a relatively complete audit process within the bank, including machine and manual double credit audit, to ensure that the information submitted by users can be comprehensively inspected and that the bank has no overdue risk.

1, preliminary review

In this process, the machine will match the application materials and simply judge whether the personal information meets the requirements of the bank for card approval, such as age, credit record, income and financial resources. After the electronic review, unqualified users will be recalled directly, and the system will automatically send SMS to inform the applicant according to the set content. At this time, you may receive information such as "Sorry, according to the comprehensive score, you don't meet our auditing standards".

Suggestion: don't be disappointed. After all, there are many reasons for the failure of handling cards, not necessarily because of their poor conditions; Don't become angry from embarrassment, always apply for a card. It is recommended to study the reasons for rejection and reapply for the card at least six months later.

2. Manual audit

At this point, you can basically see the dawn, proving that you have initially passed the requirements of the bank, and then the staff will reconfirm the application information. What is the specific verification content? For example, see whether the signature is consistent, whether the ID card and photo are clear, and whether the personal conditions are consistent with the types of application cards. If there is no problem, then the limit is finally determined, which is generally determined by experienced loan officers in the industry. The amount to be paid should be determined according to the information, financial proof, credit report, salary level and the nature of the unit.

Reminder: You must be cautious when applying for a credit card. There are some key points that determine your success rate, and the amount of cards opened is also very important. After all, some banks have strict risk control and it is difficult to increase the quota. Babies who want to apply for a large credit card still need some time.

Applying for a credit card is a job that requires patience and care. In the early stage, you should check the information of various co-branded cards and theme cards, choose the credit card that suits you, and then submit your personal information to the bank with certain skills. The application channel is also very important. If you don't understand, you can read the last article "Learning credit cards from 0 (application)-using the right method, second batch is not a dream". Success or failure is not the most important thing. If you are rejected, you can find out the reason and make persistent efforts!