How is the credit card review process exposed

Many people have experienced the credit card application, filling out the bank credit card application form and submitting additional supporting materials, and then they can only wait for the bank's approval results. What is the credit card review process? Most card friends don't know it very well. Today, I will reveal the specific process of internal approval of the bank, and then everyone will enter the bank credit card review process together.

1. Information input

Paperless work is generally advocated in the review of bank credit cards. When the bank receives the information of the applicant, the first job of the bank staff is to scan the information and generate pictures. Subsequently, according to different areas of the application form, it is automatically divided into smaller picture files, and each small picture contains only one content filled in by the applicant.

in the input stage of the credit card review process, each staff member is only responsible for one item. For example, the staff who enter the ID number can only see the ID number. After the entry, the information directly enters the electronic audit system of the bank, and each information will be entered by two different staff members. If the contents are different twice, this small picture will be given to a third person for identification. It seems that the bank credit card review process is very rigorous and safe.

second, preliminary review

next, the credit card review process officially begins, and the preliminary review needs to go through two procedures: electronic review and manual review.

1. Electronic audit

First, the electronic system will evaluate the completeness of the information in the application form, and then judge whether the applicant meets the hard requirements such as age and income with the personal information on the application form, and will automatically check the credit status of the applicant in the personal credit information system as a reference. After passing the preliminary electronic screening, the form will enter the manual review stage. This is the first step in the credit card review process.

2. Manual review

First, 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 channels of the application form to determine the authenticity of the application form information.

after the credit card application forms pass the manual preliminary examination, the system will determine the classification of the application forms according to the parameters generated by the preliminary examination, so as to determine which level of examination and approval process these application forms need to go through. When the user's qualification meets the requirements, it passes the preliminary process of credit card review.

III. Further review

Subsequently, the bank will analyze the historical data of the applicants according to the principles of mathematical statistics and manual experience, and comprehensively evaluate and rank the applicants. Decide whether or not to grant the applicant a card and how much to give.

If 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. The bank's credit card review process is basically completed.

IV. Review cycle

It takes about 14 working days to complete the entire review process. The online application is faster than the counter application, but whether the application can be successful depends mainly on the applicant's personal qualifications. In addition, not all bank credit card review processes are the same as the above processes, and the results can be obtained within 1-3 working days at the earliest.

how can I apply for a credit card to pass the examination? what are the criteria for examination?

nowadays, it is not an easy task to successfully apply for a credit card. Many people are rejected for various reasons, and many people don't know much about it. So how can the application for a credit card pass the examination? Let's take a look at it below.

1. Proper packaging of real information:

There are many intermediaries who claim to be able to help get the card, but most of them provide false information. Once it is found out that the credit card can't be done, it will be blacklisted by the bank. Therefore, everyone still needs to properly package the real information, starting with the position and income.

2. Credit investigation must pass the customs clearance

It is necessary to support white households and non-white households according to the situation. It is best for white households to establish personal credit records first. For example, now that all the flowers are on credit investigation, it is necessary to use them well, and don't forget to repay them on time; Non-white households with records must be well maintained. In addition to timely repayment, they should also try to avoid being checked by financial institutions.

3. Enhance personal comprehensive strength:

One is repayment ability, such as increasing income by doing things, and the other is to make money to pay off the money owed on the credit report, reduce personal debt and release repayment ability; One is to properly use the credit of other platforms, such as Alipay's Sesame Score and JD.COM Credit Score.

what are the criteria for banks to audit credit cards?

1. Income

The bank will judge whether you can meet the qualification of the bank according to your income, different positions, different industries and different salaries. Naturally, the higher the salary, the higher the initial limit of your credit card.

2. Bank flow

The fixed flow of a bank, such as a salary card, is very important for the bank flow. It can be recorded in the banking system that your income is stable and you have a certain economic foundation, which is very favorable for handling credit cards. But if you don't have a regular flow in the bank, the bank will doubt your application.

3. Whether there is a housing and credit record

Housing is an indispensable condition for the level of the credit line. When you have the ability to buy a house, are you worried that the bank will not handle a credit card for you?

credit records, that is, credit records, are not overdue, credit is good, and repayment on time are all manifestations of good credit records. This proves that if you need a loan in the future, you can repay it on time because of your credit record.

4. Card application record

Generally, there are no more than three cards in a month. Once there are more than three cards, the bank will think that you are short of a lot of funds in a short time. It is best to apply for one card in three months or three cards in one year, so the probability of the bank issuing a card is very high.

what is the credit card review process of Bank of Communications?

1. Review the submitted materials: whether the photocopies of identification documents, original work certificates, original salary and income certificates and application forms are complete, and remind them to supplement if there are any deficiencies.

2. Enter the credit information stage: verify whether the customer identity information is consistent with the ID card information base, and query the personal credit information system.

3. Telephone verification: Call the applicant and his company to verify that his information and company information are true and reliable.

pass the examination and send the credit card.

how is the credit card application approved by China bank?

China Bank's credit card approval rules:

BOC will determine whether it meets the conditions for handling credit cards according to your personal financial proof and comprehensive credit status when handling credit cards, and the actual approval result will prevail.

the above contents are for your reference. please refer to the actual business regulations.

if you have any questions, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to consult and handle related business.

What is the first step?

Generally speaking, applying for credit card electronic examination is the second step of examination. The first step is for the bank to judge whether the applicant meets the hard requirements such as the age and income of the credit card application after receiving the information of the applicant. Then it will query the credit information system and take the credit report in the credit information system as a reference. If all these pass, the bank staff will call the applicant for the second step of examination.

first, the way to apply for a credit card

The common way to apply for a credit card is to go to the bank's counter line to fill in the information in person, or fill out the application form at the bank's card booth. But now, in addition to offline application, there are more and more channels for online card application. For example, you can apply at official website Bank, you can apply through the bank's WeChat platform, and you can also apply for credit cards online on third-party online card issuing platforms such as Card Baby. Online credit card applications must go through formal channels. Don't leave your personal information on small websites at will to prevent information from leaking.

second, application steps

the applicant fills out the application form, including paper or online. Offline paper is usually handled in branches, and special banking personnel will scan the application form, divide the scanned file into different modules and assign it to relevant staff for information entry. In order to ensure the information security of the applicant, the general staff can only input one item. For example, the staff who input the ID number can only see the customer's ID number and can't see other information. After the information is entered, it will directly enter the electronic audit system of the bank. No matter which channel is used to submit the application, the application materials directly enter the bank credit card center.

Third, the skills of electronic examination

Remember the application materials when calling back, and it is best to make a copy with you, and remember the more important matters in your mind. Say hello to the company's front desk/friends in advance, pay attention to the card mailing address, and try to send the credit card to the company address. After the telephone call is passed, the card will generally be approved. After that, the bank will make and issue cards.

Let's stop talking about how banks review credit cards.