One: the audit is just to check your credit report or just to inquire about credit; Approval is to decide whether to issue cards after approval.

Two: the audit is not open, but the approval should be open!

Generally speaking, the credit card review process is generally as follows:

1. After receiving the customer's information, the bank should first conduct a preliminary examination, which includes checking whether the identity certificate, work certificate, salary income certificate and application form are complete. If the certificate is insufficient, inform the customer to fill in the certificate. (This stage belongs to the audit process, that is, the audit period)

2. After approval, credit card approval will begin. The ID card verification system will be used to check and verify the authenticity of the customer's ID card information, and the personal credit information system will be used to check whether the customer has a bad credit record. After all the approvals are completed, the card issuance will be approved or rejected. (This stage should belong to approval, that is, it is under approval, waiting for the approval result)

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Audit is a prerequisite for approval. When an administrative organ applies for an administrative license again, it must review the materials submitted by the applicant or apply for an administrative license on the spot. Only after passing the examination can it be approved and issued.