If your credit card has a limit, it is very reliable if it is used normally. As long as there is no overdue, timely repayment and illegal use of this credit card, then there is no problem.
Time for approval of CITIC's long-term loans
The long-term loan review of CITIC Bank usually takes about 1-2 days, and the specific time required is also related to the completeness, authenticity, personal qualification and credit status of the materials submitted by the applicant. Users need to submit personal identification (ID card), work certificate, income certificate, bank card and other related documents. The specific audit time shall be subject to the actual audit time.
Time of arrival of CITIC's long-term loan
Although the official publicity of CITIC's long-term loan is to receive the account immediately, most users have to wait for a while to receive the account. If you apply during off-peak hours, and the user's credit qualification conditions are good, you will receive the account soon after the application is successful. Users who apply during peak hours or after working hours may be delayed or even arrive the next day.
1, overdue personal bad credit and too many hard inquiries will lead to bad credit information and affect the approval result of New Express. Therefore, if users want to improve the success rate of applying for loans, it is best to go through official website before submitting the application, and the central bank will know their credit information, and then submit the application after ensuring good credit, and the success rate will be higher!
2. The personal debt ratio is too high. To apply for CITIC New Express, you must have certain repayment ability. For this reason, the bank will generally check the user's credit report, and understand the overall debt of the cardholder through the monthly income and credit report. If there are too many credit products under the user name and the overall debt is high, the cardholder's repayment ability may be low and the risk of overdue is high. In order to avoid risks, banks will not agree to issue loans. Therefore, it is recommended that you reduce the debt ratio to below 50% before submitting the application.
3. Policy reasons The state has strengthened the control of cash lending business, and major banks have also responded to national policies and tightened lending. If the user applies for a loan at this time, it will definitely not be approved. Therefore, users should also choose the right time when applying for loans, so as to ensure their success in applying for loans.
4. The information is untrue. In order to get a more comprehensive understanding of users, banks generally require users to submit enough information to decide whether to issue loans.