Will Everbright credit card approval be rejected if it takes more than three days? There is hope if you do these things well

Some people apply for Everbright credit cards on the same day and have their approval completed on the same day, and some people still have no results after more than three days of credit card approval. So does this mean that the credit card approval time will be long? What about being rejected? In fact, it’s not necessarily true. Don’t think that Everbright credit card approval cannot be approved if it takes more than three days. Let’s briefly introduce it today.

Will Everbright credit card approval be rejected if it takes more than three days?

As long as the progress of the Everbright Credit Card shows that it is still under review, there is still a chance to pass. Compared with those who are directly rejected immediately, there is still hope for approval within three days. After all, everyone has different qualifications and different channels for applying for a card, so the review and approval time will naturally vary. Especially when new customers apply for a card, the bank will definitely take a longer time to review it.

In addition to verifying the basic information on the application form, we will also conduct a credit check to understand the applicant's credit and liabilities, so as to make an accurate assessment of the applicant's repayment ability. Under normal circumstances, Everbright Credit Card will complete the review within two working days, so it is not surprising that the review takes more than three days.

If Everbright Credit Card wants to successfully pass the review, it needs to do the following:

1. Before applying for a card, you must understand the basic conditions of the credit card, especially whether it has Age restrictions, or gender restrictions.

2. On the premise of maintaining good credit, try to pay off credit cards or loans that are subject to credit reporting, so as to reduce personal debt and release repayment ability.

3. Make use of other advantages, such as large credit cards that are well used by other banks, which can be used as proof of financial resources to apply for a card.

The above timely introduction to "Will Everbright credit card approval be rejected after more than three days?" I hope it will be helpful to everyone.

How long does it take for Everbright credit card approval results to come out

As we all know, all bank products need to be reviewed. In other words, even if the applicant applies for a credit card, the review step cannot be omitted. If there is any discrepancy in the verified information, it will directly affect the applicant's application result. If the applicant wants to know the review status, he or she can also consult the bank’s official customer service. So, how long does it take for Everbright credit card approval results to be available?

1. China Everbright Bank Credit Card will generally issue results within 15 days of accepting the application. In other words, the result will be available approximately 15-20 working days after applying for China Everbright Bank Credit Card. After approval, the bank will send a text message to notify the applicant.

2. If the application is approved, China Everbright Bank will usually send it by registered mail within a week or so, reminding the applicant that it will not fail the review.

3. When China Everbright Bank receives the applicant’s credit card application, the branch staff will first conduct a preliminary review. If the applicant's application information is incomplete, the applicant will be contacted during this period to submit additional information. If the information submitted by the applicant is complete, a re-examination will be carried out if the bank passes the preliminary examination. If the application is successful, you will receive the card within 30 working days.

The above is an introduction to how long it takes to get results during Everbright credit card approval. I hope it will be helpful.

What does it mean when Everbright Bank credit card inquiry shows "Approval"?

It means that the submitted information is being reviewed and approved.

The general approval process for credit cards is:

1. The bank will conduct a preliminary review of the submitted materials: copies of identity documents, original work certificates, original salary and income certificates, etc.

2. Credit card approval: Query and verify the authenticity of the customer's ID card information through the ID card verification system, and check whether the customer has a bad credit record in the personal credit reporting system.

3. Telephone review: Contact the applicant and his or her employer by phone to verify basic information.

4. After passing all reviews, the applicant will be notified of the approval results, and the card will be approved or rejected.

5. Send your credit card by mail after approval. If you refuse, you will be notified by text message.

The specific difference between review and approval is as follows:

1. Review is just to check your credit report or just inquire about your credit standing; approval is whether to decide to release the card after the review is completed.

2. The review is not public, but the review and approval must be public.

Extended information:

Everbright Bank credit card application requirements:

A Chinese citizen with full civil capacity, legal and stable income, and good credit Foreigners and compatriots from Hong Kong, Macao and Taiwan who permanently reside in China can apply for a personal credit card master card from the card issuer with their valid documents. Note: To apply for a card, you need to attach a work certificate, and other conditions include social security, good companies such as government agencies, vehicles, houses, etc. You can contact the second primary cardholder by phone number

Use the same credit limit as the secondary cardholder; the primary cardholder can set the usage limit of the secondary card within the credit limit; all transaction amounts and corresponding interest and fees with the secondary card will be credited to the primary card account , the main cardholder shall be fully responsible for repaying the debts incurred under the main card and supplementary card.

Sanfan can open basic accounts at financial institutions in China. Enterprises, administrative institutions, social groups, and other economic organizations authorized by legal persons with independent legal person qualifications can open an account with an account opening permit issued by the People's Bank of China. Apply for a corporate card from the card issuer with your certificate and other information. If you apply for a foreign currency unit card, you must also have a stable source of foreign exchange and an account that can legally control its foreign exchange. Each unit can apply for several unit cards, and its cardholder qualifications shall be designated or revoked in writing by the legal representative of the applicant unit or its authorized agent. The applicant unit shall bear all debts incurred by the unit card.

When applying for a credit card, 4. Applicants should correctly, completely and truthfully fill in the application form and the authentic materials required by the card issuer in accordance with the card issuer's requirements, and sign an application contract with the card issuer. The card issuer decides whether to approve the applicant's application based on the applicant's application and credit status, whether to require the applicant to provide guarantee and the method of guarantee, and determines the credit limit.

5. The methods of guarantee provided by credit card applicants include guarantee, mortgage and pledge. The scope of the guarantee covers all outstanding debts incurred under the cardholder's credit card, and a corresponding guarantee contract should be signed for the guarantee.

Liu Everbright Bank credit card issuer provides cardholders with inquiry passwords and transaction passwords through designated channels.

After receiving the credit card, the cardholder should immediately sign the same signature as on the credit card application form in the signature column on the back of the credit card, and use the same signature when making transactions, otherwise, any resulting Loss is the responsibility of the cardholder.

Reference material: China Everbright Bank Credit Card - Baidu Encyclopedia

Why is it that it has been 15 days since I applied for the Everbright Credit Card and it is still under review

China Everbright Bank Credit Card is generally The result will be issued within 15 days after the application is accepted, and those that meet the regulations will generally be notified by text message (including the bank issuing a card after passing the review); if other problems may occur after 15 days, you can call the customer service hotline or log on to the official website to check. Especially in remote areas, after the card production is completed. You can pay more attention to the progress of your credit card application. Hello, there will be two working days for card production. Under normal circumstances, the credit card approval time is 15 working days, and the bank will send it by registered mail. After the credit card center has approved it, please pay attention to the mailing status after sending it. The timeliness of registered mail is relatively slow, so it is normal to receive a credit card within one month.

1. Is Everbright Bank’s credit card good?

Whether China Everbright Bank’s credit card is good or not depends on your needs. In terms of credit card annual fees, China Everbright Bank waives the annual fee in the first year. If you swipe the card more than 3 times, you will be exempted from the annual fee in the following year. This policy requires fewer credit card swipes than other banks' credit cards. In addition, the staff of Everbright Bank are also very enthusiastic. Everbright's service attitude is very good. Both the telephone customer service and the branch staff are patient and polite. Of course, there are also some disadvantages, such as not having a 24-hour service, the online payment limit is relatively low, and the gifts redeemed by points are relatively ordinary.

2. Is it necessary to provide social security when applying for a Everbright Bank credit card?

It is not necessary to provide social security information. There is no necessary connection between applying for a credit card and social security. Banks value individuals having a stable job and a stable source of income.

Applicants should be between 18 and 60 years old (overseas residents between 25 and 60 years old), have certain financial ability and good credit record; applicants for supplementary cards should be 14 years old (inclusive) or above, and hold the main card People can apply for supplementary cards for immediate relatives (parents, spouses or children); original and copy of ID card; proof of work and income (which must be stamped by the employer); those with non-local household registration also need to provide proof of residence.

Individuals also need to provide the following materials: a verified business license or tax registration certificate that proves they have been operating for more than two years; a business premises contract or proof of self-ownership (that is, a real estate certificate). If you want to apply for a higher credit limit, prepare some financial resources Proofing materials can be salary records issued by banks, income tax withholding certificates (tax payment certificates), or documents proving the market value of houses, cars, deposits and investments, etc. that can prove the level of financial resources. The real estate certificate must contain the name of the person or his spouse, and the car driving license must be in his name.

It has been almost 20 days since I applied for a Everbright Bank credit card. Why is it still being approved? Please help me

It usually takes about 20-40 days for approval.

1. Credit report

Many people ignore this issue, regardless of whether there are a lot of application records on their credit report recently, or whether applying randomly will harm their credit report. , maintain your credit report well, and your credit card application will be half successful! Judgment criteria for high-quality credit reporting

1. Stable workplace: Do not change your workplace frequently in terms of credit reporting;

2. Stable residential address: The place of residence is the best in terms of credit reporting It is a place in the long run;

3. Keep as few online loan application records as possible: Can online loans be done? The answer is yes, but if you have a lot of records or less than 10,000 online loan application records, the impact will be very big. If you also have many records of application rejections, in the eyes of the banking system, it will be almost 100% rejection. type of customer;

4. Credit reporting cannot be overdue: Anyone with a little common sense knows that overdue is fatal to credit building. If there is an overdue record in the past two years, it will be difficult to apply for a credit card. .

2. Frequently applying for credit cards

This is also the situation I have encountered the most. Many cardholders frequently apply for credit cards in a short period of time without understanding. You may be able to succeed at the beginning, but it will become less successful later on.

1. There is a delay in application records. In the first month, you may have successfully applied to 4 banks in a row. However, after your application record is reflected in your credit report in the second month, if you apply again, the bank will You can see your frequent application records in a short period of time, which leads to the failure of credit card applications;

2. Many cardholders have been "poisoned" by so-called intermediaries. The intermediaries pursue making money, and the credit report is not theirs. They will apply to 8-10 banks for you, and they will charge you when you sign up for the card. But in the end, the credit card holder will always be harmed, so why does Xiaobai keep telling everyone not to hire an agent?

3. Don’t believe the nonsense that if your application to the same bank fails, you will keep applying until it succeeds. This is completely deceiving everyone. If your application to the same bank is rejected, you will basically have to wait 3 months before you can apply. Keep applying will only cause more damage to your credit report.

3. Do not click on the link or scan the code to apply

Many cardholders are willing to believe in the so-called "special channel", whether it is an application link or a QR code, no matter how tempting it is. People, everything is the same as your own online application. The system reviews it. If the application is successful, the other party will get a commission. If the application is unsuccessful, it has nothing to do with others, so don’t pay IQ tax anymore!

4. Fill in the application information

Do not fill in the application information casually. Filling it out will not only increase the card application rate, but also increase the card application limit! Educational qualifications, annual salary, nature of work, industry, occupation, position, etc. These can all be optimized and filled in with skills! Completely based on the real situation. Unless you are of high quality, you must learn to "package". Once you learn the special techniques for filling out application information, you will find that your credit card application success rate will increase!

This is the end of the introduction about Everbright Credit Card Approval and Can Everbright Credit Card Approval Be Passed? Have you found the information you need?