How to check the progress of credit card?

Steps and methods to check the progress of credit card application:

1. Online query: Log in to the official bank website (such as Bank of China, operating environment version: 7.1.7), click: Credit Card Application Progress Enter the online inquiry channel to inquire;

2. Telephone inquiry: call the bank's credit card hotline and inquire with your ID number.

3. Bring your valid ID to the bank counter for enquiry.

1. The progress of credit card application is mainly based on your repayment ability. If your certification conditions are sufficient, it is very easy to apply for the card. If the proof is not so sufficient, the deposit may not be made or the amount may be low. So you should pay close attention to the status of the card, and you can check the processing status online.

1. Generally, it takes about 20-40 days from the time you submit the card application materials.

2. After receiving the credit card application materials from various local cities, the credit card center must review and file them. This process takes 15 days. The next step is to make the card. Due to the high value of card making equipment, domestic card making equipment is basically produced centrally by the credit card centers of various banks. This process usually takes two days.

3. The final step is to mail the card to the cardholder by registered mail, which usually takes 7 to 15 days. In addition to the possible delays between each link, it is normal to get the card in 40 days.

2. Regarding credit cards, credit cards are issued by commercial banks to individuals and organizations. They are used to shop and consume with special organizations and deposit and withdraw cash from banks. They are special carrier cards with consumer credit. They are in the form of a A card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front, and a magnetic stripe and signature strip on the back. Credit cards are divided into two categories: credit cards and quasi-credit cards based on whether a reserve fund is deposited with the card-issuing bank. A credit card is a certain credit limit given by the card-issuing bank to the cardholder. The cardholder can spend within the credit limit first and then Credit card repayment. A quasi-credit card is a credit card that requires a certain amount of reserve deposit to be deposited first as required by the card-issuing bank. What we call credit cards now generally refers to credit cards only.

1. Credit cards are mainly used to consume first and repay later. Use bank funds to consume in advance and enjoy the interest-free period. This is a financial management method.

2. A credit card is not a savings card, and interest will not be settled on deposits in the credit card.

3. Credit card can be used as a payment tool and can be consumed directly through the card swiping POS machine or online payment platform installed by the merchant.

4. The bank will also provide you with various forms of points, discounts, installments, draws, promotions and other activities.

5. Credit card is still the main international payment tool. On international websites, you only need to fill in your personal credit card information to make purchases directly. And if you are on a business trip and staying in a hotel, only a credit card can do it for you. Hotel pre-authorization.

How to check the progress of credit card processing?

Credit card progress inquiry method:

1. Call the credit card center to inquire.

Call the credit card center of major banks to inquire. This is the most original inquiry method. . In the beginning, manual inquiry was required, but now most banks can automatically inquire via voice. It should be noted that some cardholders may not be able to find out if they call the bank number but not the credit card center number.

2. Log in to online banking to query

This can also be divided into two situations. Some banks have special credit card websites, so you can enter your ID card and name to query. Some banks require you to have a bank card registered, and you need to log in before you can query in the credit card section.

3. Mobile banking client inquiry

Nowadays, most banks’ mobile banking can also inquire about credit card related information. For example, for ICBC credit cards, starting from the second day after the application is submitted, the progress checked by mobile banking is basically updated every day.

4. WeChat service account query

Nowadays, most bank credit cards have special Huixin service accounts, where you can also apply for a credit card and check the application progress. However, not all banks can check the application progress here. For example, ICBC and CCB credit cards can only be checked on the official website or mobile banking.

Operating environment: Huawei nova410.01.38

WeChat App8.0.15

Browser PC: macbookpromos14 Open Google version 92.0.4515.131

Compared with ordinary bank savings cards, the most convenient way to use a credit card is that you can make ordinary purchases without cash in the card. In many cases, you only need to return the consumed amount on schedule.

_You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days. If you repay on time, you will not be charged any interest (most banks will charge an interest of 50,000 cents on the day of cash withdrawal. There is a 2% handling fee. ICBC cash withdrawals are free of handling fees and only charge interest).

_Swiping your card when shopping is not only safe and convenient, but also provides gift points.

_You can enjoy discounts when you use the card at the bank's designated merchants.

_Accumulate personal credit and add a record of integrity to your credit file that will benefit you throughout your life.

_ It is accessible nationwide and you can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption. It is best not to withdraw cash. The handling fee for cash withdrawals is very high and very dangerous. Not cost-effective)

How to check the progress of credit card application

Generally, banks will open the following two ways to check the progress of credit card application:

1. Call the bank’s credit card customer service Phone inquiries. Just call the customer service number of the bank where you applied for the credit card and follow the manual voice prompts to check.

2. Log in to the website of the bank you are applying for, click on the credit card to enter the credit card. Find the entrance to check the progress of credit card processing and enter your ID number to check.

3. WeChat inquiry: Follow the bank’s official account to check the application progress.

Finally enter the ID number and verification code to check the application progress

How to check the progress of a credit card?

If you are applying for a China Merchants Bank credit card:

The review time limit: it usually takes 10 working days from application to completion of review, and a text message will be sent for verification (expired card renewal and card replacement review);

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Shipment method and timeliness: Newly issued cards or replacement cards usually take 2 working days to be sent after the card is issued. Shipping generally uses registered mail/EMS, etc., which takes about 3-15 days; the receiving address is your billing address. If the card is not received in time or is returned, you can call the credit card hotline to inquire and process it.

Inquiry on application or mailing progress:

1. Online banking: After logging in to the public version or professional version, select "Credit Card→Customer Management→Online Application→Application Progress Inquiry";

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2. Palm Life: After logging into the Credit Card Palm Life APP, click "Select → All → Credit Card → Progress Query";

3. Mobile Banking: After logging into Mobile Banking, click "Me → All → Credit Card (Section) → Apply for Credit Card → Check Card Application Progress";

4. WeChat Bank: After following the official credit card WeChat public account "China Merchants Bank Credit Card", click "Apply for Card.Cash" →Progress.Card opening" query;

5. Customer service hotline: Call the credit card customer service hotline and select 3#-1-2 or 3#-1-3 to query.