Can I apply for a Everbright Bank credit card after passing the preliminary review? The two situations have different endings!

Applying for Everbright Credit Card online is convenient and fast, and it is the preferred channel for many cardholders to apply for a card today. However, although applying for a card through this channel saves time, it generally requires the applicant to go to the counter for an interview after passing the preliminary review. Many card friends want to know whether the card will be released if they pass the preliminary review. Let’s find out together with you.

Can I apply for a Everbright Bank credit card after passing the preliminary review?

According to what we know, if the Everbright Bank credit card passes the preliminary review, there are two situations whether the card will be issued. One is to issue the card before the interview, and the other is to issue the card after the interview.

1. If you apply for the card before the interview, you cannot activate it after receiving the credit card. You must go to the designated branch outlet counter within the specified time to sign in, wait for the final approval, and then receive the text message. Activate the credit card by yourself and set the relevant password before you can use it.

2. If you apply for the card after the interview, you need to bring your second-generation valid ID card and relevant information required by the branch to the branch counter to handle the interview and sign the People's Bank of China inquiry within 90 days from the date of receiving the interview notice. Authorization document, after approval, you can get the credit card, and then you can activate it yourself.

The final hurdle is whether to apply for the Everbright Bank credit card through the initial review and the interview.

If you have passed the interview and passed the final review, then everything is fine; if the interview is rejected, even if you apply for the card, you still cannot use it after you get it, which is equivalent to getting a useless card. Therefore, the most important thing for cardholders is to be fully prepared for the interview.

However, many people have reported that it is not that easy to apply for a Everbright Bank credit card, and rejection is common nine times out of ten. This is because applying for a credit card online does not bring any profit to branch outlets, so most outlets will reject your interview and ask you to go directly to the counter for an interview, and the possibility of being rejected is still very high.

If you want to know the specific interview matters for Everbright Credit Card, you can read the two articles about the interview introduced below.

I have passed the preliminary review of Everbright Credit Card. Is it easy to pass the final review?

For the final review of Everbright Credit Card, you need to check the central bank’s credit reporting system. If your personal credit record is good, the final review can be passed.

China Everbright Bank was established in August 1992. It is a national joint-stock commercial bank established with the approval of the State Council and the approval of the People's Bank of China. It is headquartered in Beijing. China Everbright Bank was listed on the Shanghai Stock Exchange in August 2010 and on the Hong Kong Stock Exchange in December 2013.

As of June 30, 2020, China Everbright Bank has established 1,290 branches in the country, achieving full coverage of the domestic provincial administrative regional service network, with institutional outlets radiating to 147 economic center cities across the country; Focus Wealth management strategy, Everbright Financial Management Co., Ltd. was officially listed and became the first wealth management subsidiary of a joint-stock commercial bank to open in the country.

Following the "One Belt and One Road" initiative of the Communist Party of China and accelerating its international layout, the Hong Kong Branch, China Everbright International, Seoul Branch, Everbright Europe, Luxembourg Branch, and Sydney Branch have been opened and operated one after another, and the Tokyo Representative Office The application for establishment has been approved by domestic and overseas regulatory agencies, and preparatory work is in progress; social responsibility is increasingly demonstrated.

The Everbright Bank credit card has passed the preliminary review. Does this mean it can pass?

Yes, the credit card review is divided into three steps. The first step is the review of personal information, the second step is the review of personal assets, and the third step is the review of personal credit status. After passing the preliminary review of the credit card, CITIC Bank will send a text message or make a phone call to the applicant, requiring the applicant to go to the nearest branch within the specified time for signature confirmation. If the bank needs the applicant to submit additional information, it will also do so after the preliminary review of the credit card is passed. Inform the applicant. Under normal circumstances, you can basically get a credit card after passing the preliminary credit card review. CITIC Bank will send the applied credit card to the applicant by express.

China Everbright Bank is a bank that first passes the preliminary review to send the card and then conducts the second interview review. Therefore, when selecting customers, the following customer groups are preferred:

1. Pay social security of at least 6 years old More than 6 months

2. Have Everbright Bank payroll records for more than 6 months

3. Everbright loan customers for more than 6 months, and no overdue

4 , sole proprietorship legal person

You can operate if you meet the above conditions (Ebright outlets in various regions are slightly different, and the local card opening conditions shall prevail)

If you do not meet the card opening conditions, you will not be able to operate the card. It is recommended to apply.

Remind everyone to pay attention when filling in Everbright information:

1. Real-name system for mobile phone numbers. Normally, Everbright issues the card first and then authenticates it. If the mobile phone number is not a real-name one, you will receive a text message asking you to go to the bank to verify your identity first and then go for authentication.

2. The work address and home address must be accurate to which road. There should be no intersection between XX Road and XX Road. The information should be sufficiently detailed.

The bank will conduct a preliminary review of the information submitted by the customer; the preliminary review includes: reviewing copies of identity documents, original work certificates, original salary and income certificates, and whether the application form is complete; if the documents are insufficient, the customer will be notified to provide additional copies. . Go to credit card approval. Use the ID card verification system to check and verify the authenticity of the customer's ID card information, and check whether the customer has a bad credit record in the personal credit reporting system.

3. Verify personal information by phone;

Call the applicant and the unit where he or she works to verify the authenticity of personal information and unit information.

4. After passing all reviews, the applicant will be notified of the approval results, and the card will be approved or rejected;

5. Mail the credit card.

Is it safe to say that the Everbright Bank credit card has passed the preliminary review and the card has been issued?

If the online Shen Everbright Credit Card has passed the preliminary review, it does not mean that the card can be issued in the end, and it still needs to go through the interview process. . The current actual situation is that the pass rate of Everbright's interview is not high, and it is easier to pass if the conditions are relatively good.

1. The credit card interview is mainly for applying for a credit card online.

2. According to the bank's requirements, the application for a credit card must be submitted and signed by the cardholder himself, and the bank needs to verify the identity of the customer's application information obtained through the Internet. Therefore, after the applicant applies online, the card-issuing bank will send a text message to the applicant to inform him that he has passed the preliminary review, and he needs to bring his ID card to any branch of the card-issuing bank for an interview within the specified time. After the interview, the card will be issued directly. Activated and ready to use.

3. Information required for the Everbright Bank credit card interview: For the Everbright Bank credit card interview, you need to bring your ID card, confirmation letter (sent to you with the credit card) and credit card to the bank for "interview".

The credit card approval of Everbright is divided into preliminary review and re-examination. You must first send it to the city branch for preliminary review, and then send the Everbright credit card after the preliminary review to the head office for re-review. Only after review can you get the Everbright credit card. So it takes a while to get a credit card. From the time your information is checked in the voicemail, the bank will send you a message within 30 days to tell you whether it has passed the review. If you do not receive the notification message, you can call the customer service number or check online.

After the approval result is issued, the bank will issue the Everbright credit card by registered mail. Generally, you can receive the Everbright credit card within 15 days after the card is issued. There is still about a week of card production time before the card is issued.

The interview is mainly for the applicant to apply for a credit card online. According to the requirements of the regulatory authorities, the credit card application must be submitted and signed by the cardholder himself. When the applicant applies for a credit card online, the card-issuing bank must The customer's application information is obtained online, so it is impossible to determine whether the person submitting the application information is the applicant himself.

So in order to meet regulatory needs, after the applicant applies online, the card-issuing bank will send a text message to the applicant to inform him that he has passed the preliminary review, and he needs to bring his or her ID card to any of the card-issuing banks within the specified time. Conduct interviews at outlets.

How long does it take to get an interview after passing the preliminary review of Everbright Bank credit card?

After passing the preliminary review of Everbright Bank credit card, the bank will notify the applicant of the interview, and generally the user will not be asked to wait for a long time. Usually it will take 2 to 3 days. As long as the user can answer the questions correctly during the interview, it will be easy for the user to pass the interview. After passing the interview, China Everbright Bank will start preparing to issue the card.

When applying for a credit card, the information filled in by the user must be clearly remembered. The bank will ask questions about this information during the interview, and generally requires a detailed answer from the applicant; if the answer cannot be answered, the interview may not be passed, and the applicant may not be able to pass the interview. It is best for users to dress neatly during the interview, which will give people a good impression.

Users need to bring their ID card or proof of financial resources during the interview. Better proof of financial resources can lead to a credit card with a higher limit. After the interview, users still need to wait about 15 days. You can also check the progress through telephone banking at ordinary times.

You can activate the newly applied credit card after you get it. There are different ways to activate it. Generally, there will be clear instructions in the mailed envelope. The user can choose one of the methods to activate. The transaction password and query password will be set during activation.

That’s it for the introduction to passing the preliminary review of Everbright Credit Card.