This is not a lie. There are currently two types of credit card applications: First, apply for a card at a bank outlet. You need to bring your ID card, proof of work income or asset certificate and other materials when applying. Second, apply for a card online. , apply through mobile banking, online banking, the bank's official WeChat account, and the official website. China Merchants Bank takes the initiative to call you to apply for a credit card. This is generally not a lie. It means that your personal credit report is good, and the bank will call you to ask you to apply for a credit card. China Merchants Bank taking the initiative to call you to apply for a credit card is not a lie. He uses various channels to determine whether you are qualified to apply for a credit card? Then invite you to apply for a credit card. But whether you can apply for a credit card depends on whether you can pass the final information review. If your information does not pass the review, you will not be able to apply for the credit card. The possibility of fraud is not ruled out, but most of them are probably done by salesmen selling credit cards. It is best not to believe these. If you want to apply for a credit card, it is more reliable to go to the bank counter for consultation. If you have a savings card and use it normally, you may have this kind of invitation. If not, most of them are scammers, and a few just call and try their luck. Anyway, if you want to apply, it is better to either apply directly online or apply at an outlet. There are very few people now. From credit card processing to fraud. Generally those who can call you are either. The original people at China Merchants Bank are either people from their credit card center. Because they all have the task of applying for cards. If the bank sends you a text message saying that it has been approved, it will be mailed to you within a week.

The credit card approval process is as follows:

Submit the information to the credit card salesperson or submit it online.

The bank will review it after receiving it.

I will call your mobile phone and the company’s landline.

The review results will be available 1-2 days after the call, but you don’t know the amount. You will only know the amount after the card is received.

After the results are approved, the bank will mail them to you. The mailing time is usually within 7 working days.