After the bank credit card center receives the application materials, it usually takes 7- 15 working days to complete the approval (the approval time varies from bank to bank). After the approval, a card will be sent by SMS or email to remind the customer. Generally, the card can be received within 15 days after receiving the card delivery notice.

Credit cards are usually sent by registered mail. If you need to send the card by courier, you should call the credit card service hotline.

Credit card application review needs comprehensive evaluation of bank credit information system, and there are many reference factors, such as age, job stability, income, credit information records and so on.

If the applicant's work or financial information changes, he can generally resubmit the information after 3-6 months.

Extended data

Product guide

1, application

(1) In most cases, citizens with full capacity for civil conduct (Chinese mainland/kloc-citizens aged 0/8) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

(2) The application method is generally to fill in a credit card application form, which generally includes the applicant's name, basic information, economic status or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

(3) A credit card use contract is attached to the application form, and the applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submit a statement on the authenticity of the information and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Step 2 review

(1) After receiving the application form and related materials submitted by the applicant, the issuing bank will review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

(2) Under normal circumstances, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.

(3) The standards of different card-issuing banks are different. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

Step 3 issue cards

After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.

Step 4 open the card

(1) There is no guarantee that the payee is the applicant, because the card was mailed after the credit card application was approved. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened.

(2) Card opening is mainly to check the relevant personal information provided at the time of application by telephone or online, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.

(3) After accepting the credit card, the credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.

Step 5 ratify

(1) The merchant and the bank confirm that the credit card is valid, and contact the bank for authorization according to the contract signed with the issuing bank. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the usage specified in the contract is exceeded.

(2) After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether it agrees to the transaction.

Step 6 use

Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract.

7. pin card

Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.

References:

Baidu encyclopedia-credit card