The procedures of each bank are different. Generally, it is not given at the time. When applying for a credit card online in most cases, the bank's process is that the customer submits the application online, and the account manager of each regional credit card center goes directly to the applicant's unit for an interview, conducts investigations and interviews with other colleagues in the unit, and leaves photos at the same time. After the account manager passes the interview, the credit card application form and other information will be transferred to the backend for approval. After approval, the card will be produced.

The banks that send the card first and then go to the interview include: Guangfa, Minsheng, CITIC, Pudong Development, Communications, Huaxia, China, etc.

Banks that conduct interviews first and then send cards include: Everbright, Industrial and Commercial, Investment Promotion, Industrial, Agriculture, Construction, etc.

The loan interview process is as follows:

1. After receiving the bank interview notice, you need to bring your valid ID and the information required for the interview to the bank for the interview.

2. After arriving at the bank branch, the staff will ask you to fill in relevant forms, then sign, and finally take photos to complete the entire interview process.

The bank mainly examines marital status, income, work, personal credit and other aspects during the interview. Due to different bank policies, the degree of laxity of the review will vary.