CCB credit card review takes 1-2 weeks. Credit card application review requires a comprehensive assessment by the bank's credit information system, which takes into account many factors: such as age, job stability, income, credit record, etc. If the application is approved by the system, a card will be made for the applicant and then sent to the applicant. delivered to the applicant.

After the credit card is approved, it still needs to go through processes such as entry, card printing, and mailing before it can reach the applicant.

CCB credit card review process:

1. Entry of applicant information

1. When receiving the applicant’s application information, CCB will scan it immediately , generate image files. The application form is then automatically divided into smaller image files based on different areas, and each small image only contains one item filled in by the applicant. Each staff member can only be responsible for entering one piece of content. For example, the staff member who enters the ID number can only see the ID number. After the entry is completed, the information is directly entered into the bank's electronic review system, thus ensuring that the applicant's information will not be leaked.

2. Each small picture will be entered twice by two different staff members. If the content entered twice is the same, the content will be entered into the system. If the content entered twice is different, the small picture will be entered. It will be handed over to a third person for identification, so as to ensure the accuracy of the entered information.

3. When all the contents on a credit card application form are entered, a complete electronic application form is formed and enters the review process.

2. Preliminary review

1. In this review process, two procedures, electronic review and manual review, are required. First, the electronic system will evaluate the completeness of the information on the application form. Then, based on the personal information on the application form, it will determine whether the applicant meets the hard requirements such as age and income, and will automatically query the applicant's personal credit information system. Credit status is used as a reference.

After passing the preliminary electronic screening, the form will enter the manual review stage. Staff members grab work orders from the work order pool and process them according to their functions and permissions.

2. The staff will reconfirm whether there are any missing items in the application form, whether the signature meets the requirements, whether the ID card is clear, etc., and then review the submission channel of the application form to determine the information of the application form. authenticity.

3. After the credit card application form passes the manual preliminary review, the system will determine the classification of the application form based on the parameters generated by the preliminary review, thereby determining which level of approval process these application forms need to go through. When the user's qualifications meet the requirements, the user passes the preliminary credit card approval process.

3. Further review

1. CCB will analyze the applicant’s historical data based on the principles of mathematical statistics and manual experience, and conduct a comprehensive evaluation and ranking of the applicants. Decide whether the applicant can finally be approved for a card and how much credit will be given.

2. When there is ambiguity between approval and disapproval in the system, it will return to manual approval again, and the most experienced approver in the bank will decide the final result.

Note:

It usually takes 1-2 weeks to complete the entire review process. Whether the application can be successful mainly depends on the applicant's personal qualifications.

Extended information:

China Construction Bank (CCB, CCB) was established on October 1, 1954. The head office is located at No. 25 Financial Street, Beijing. It is a large state-owned bank managed by the central government and one of the four major banks in China. China Construction Bank's main business areas include corporate banking, personal banking and treasury services. It has branches in Hong Kong, Taiwan, Melbourne and other places. It owns CCB Funds, CCB Leasing, CCB Trust, CCB Life, and Sino-German Housing. Sberbank, CCB Asia, CCB London, CCB Russia, CCB Dubai, CCB International and other subsidiaries provide customers with comprehensive financial services.

China Construction Bank has a broad customer base and maintains banking business relationships with a number of large enterprise groups and leading enterprises in China's strategic economic industries. Its marketing network covers major regions across the country.

At the end of June 2013, China Construction Bank’s market capitalization was US$176.7 billion, ranking fifth among listed banks in the world. On June 30, 2016, the British "Banker" magazine released the "Ranking of the World's 1,000 Largest Banks", and China Construction Bank ranked second.

On July 20, 2016, Fortune released the latest Fortune 500 ranking, with China Construction Bank ranking 22nd. In August 2016, China Construction Bank ranked 5th among the top 500 Chinese enterprises in 2016. In February 2017, Brand Finance released the 2017 Global Top 500 Brands list, with China Construction Bank ranking 14th. On July 20, 2017, Fortune released the latest Fortune 500 ranking, with China Construction Bank ranking 28th.

China Construction Bank operates in Hong Kong, Singapore, Germany (Frankfurt), South Africa (Johannesburg), Japan (Tokyo, Osaka), South Korea (Seoul), the United States (New York), and Vietnam (Ho Chi Minh City) outside the mainland. ), Australia (Sydney, Melbourne), Luxembourg, and Taiwan (Taipei), with overseas branches in Hong Kong, the United Kingdom (London), Russia (Moscow), the United Arab Emirates (Dubai), Luxembourg, and New Zealand (Auckland) subsidiaries.

Reference: China Construction Bank