Indicates that the submitted materials are under examination and approval.
The general approval process for credit cards is:
1. The bank conducts a preliminary examination of the submitted materials: a copy of the ID card, the original work certificate, the original salary income certificate, etc.
2. Credit card approval: check the authenticity of the customer's ID card information through the ID card verification system, and check whether the customer has bad credit records in the personal credit information system.
3. Telephone audit: contact the applicant and his unit by telephone to verify the basic information.
4. After all the approvals are passed, inform the approval result and approve or reject the card issuance.
5. Mail the credit card after passing, and notify the visa refusal meeting by SMS.
The specific differences between audit and approval are as follows:
1, whether to check your credit report or just check your credit; Approval is to decide whether to issue cards after approval.
2 audit is not open, but the examination and approval should be open.
Extended data:
Everbright Bank credit card application conditions:
All China citizens, foreigners living in China and compatriots from Hong Kong, Macao and Taiwan who have full capacity for civil conduct, legal and stable income and good reputation can apply for personal credit card MasterCard with their valid certificates. Note: the application card needs to be accompanied by work certificate, and other conditions are needed, including social security, good enterprises such as institutions, vehicles, houses, etc. , the specific phone number can be contacted.
2. The primary cardholder and the secondary cardholder share the same credit line; The cardholder of the primary card can set the usage limit of the secondary card within the credit limit; All transaction funds, corresponding interest and expenses of the secondary card are credited to the account of the primary card, and the cardholder of the primary card is fully responsible for the debts incurred under the primary card and the secondary card.
3. Enterprises, administrative institutions, social organizations and other economic organizations authorized by legal persons who open basic account in domestic financial institutions may apply for unit cards from card issuers with information such as the account opening permit issued by the People's Bank of China. To 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 the cardholder qualification shall be designated or revoked in writing by the legal representative of the applicant unit or its entrusted agent. The applicant shall bear all debts arising from the unit card.
When applying for a credit card, the applicant shall fill in the application form and the authentic materials required by the card issuer correctly, completely and truly, and sign a contract with the card issuer. According to the applicant's application and credit status, the card issuer decides whether to approve his application, whether to require him to provide guarantee and guarantee method, and determines the credit limit.
5. Credit card applicants provide guarantee in the form of guarantee, mortgage and pledge. The scope of guarantee includes all outstanding debts under the cardholder's credit card, and the corresponding guarantee contract is signed for guarantee.
Credit card issuers of China Everbright Bank provide cardholders with inquiry passwords and transaction passwords through designated channels.
7. After receiving the credit card, the cardholder shall immediately sign the same signature in the signature column on the back of the credit card and use the same signature in the transaction, otherwise the cardholder shall be responsible for the losses arising therefrom.