1. After China Merchants Bank receives the application materials, the risk control evaluation system will first review and score the applicant.

2. The system review score is divided into several links, including credit analysis, bill analysis, total credit analysis, liability analysis, identity authenticity analysis, etc.

3. After the system review is completed, the card batch judgment will be given: not up to standard and up to standard.

4. If it does not meet the standards, it will be updated to: This credit card application has not been approved yet. Those who meet the standards will be named and then manually reviewed.

5. During manual review, some applicants will be called for further verification, and then the final review results will be given: failed to meet the standards and passed the review.

6. After passing the review, you will be able to get the applied credit card after a period of time.