Why can credit cards now be approved in seconds? Such nonsense.

Approval in seconds is an exaggerated statement, describing that the approval is faster. It usually occurs when applying for a card through CCB’s online channels. The specific time may be a few minutes or a few hours. This is a In a few cases, most of them still need a period of time for approval

In most cases, the CCB credit card approval time will be slightly different depending on the application method.

First, pass If you fill out the form at a CCB branch to apply, the approval time will be 20-25 working days

Second, apply through the credit card website and choose the "new customer" identity to apply for the card. If the online banking shield is not verified, the final It takes about 10 working days for approval.

Third, apply for a card through mobile banking. The approval time is about 1-2 weeks.

Fourth, apply for a card through WeChat. Approval can be completed within 5 working days at the fastest

Please note that for online applications, depending on the applicant’s qualifications, the approval time will be subject to the final approval result, but it will not exceed 20-25 working days in total. . Why are today’s credit cards so easy to apply for?

If you meet the application requirements for a China Merchants Bank credit card, you can try to apply. The most important requirements for applying for a China Merchants Bank credit card are that you are between 18 and 60 years old (25 to 60 years old for foreigners), have certain financial capabilities and have a good credit record. The credit card application result shall be subject to our bank's actual audit. The necessary application files are a copy of your identity certificate and employment certificate. If you can provide other financial proof files, it will be more helpful for us to understand your personal situation and determine your credit limit.

If you are interested in China Merchants Bank credit card and have never held a credit card from our bank, you can apply in the following 4 ways:

1. Please log in to the credit card website and select "Apply" "Credit Card" - "New Customer Application";

2. Please bring your original identity certificate, employment certificate and financial certificate files and go to any branch of China Merchants Bank to apply in person;

3. You can also call the customer service hotline, select "3#" in the voice message to apply for credit card consultation, and then select "1" to transfer the service specialist to register for you and notify our local staff to contact you to confirm the application.

4. If you have applied for the professional version of our bank’s online banking, you can apply through the professional version.

Please note that credit card verification will be subject to the final audit result. Which banks' credit cards can be approved in seconds

There are no credit cards that can be approved in seconds. Generally speaking, applying for a credit card takes as little as a week to as long as several months. The processing time varies from bank to bank, or other minor issues may affect the card application time. . Bank of Communications Credit Card: To apply for a Bank of Communications credit card, the card will be approved within 7-10 working days after receiving the completed application form and complete supporting documents required for card application. If the application is approved, the card letter will be mailed by registered mail, which can usually be received 10 days after it is sent. The Bank of Communications will notify you by SMS after the card is sent; if the application information provided does not meet the requirements of the Bank of Communications for the time being, For card issuance requirements, Bank of Communications will also notify you of the audit results via text message or letter. ICBC Credit Card: Under normal circumstances, ICBC will receive a card issuance notice from ICBC 15 working days after the applicant submits the application materials; if no card issuance notice is received from the bank after 20 working days (inclusive), the application will be regarded as this time. The application is invalid and the submitted information will not be returned by ICBC. China Merchants Bank Credit Card: After submitting the application information for China Merchants Bank Credit Card, it usually takes 5 to 8 days to see that your information has been entered in the progress query. However, if it is mailed to the card center, it may take longer. ; After the date of entry, the results will usually be available within 7 to 15 working days. During this period, if the credit card can be successfully approved, a text message will be sent to the mobile phone number you left. It will take about 7 to 10 days after the card is approved to receive the new card mailed to the billing address by registered mail from China Merchants Bank. If everything goes well, you will get the card 22 days after submitting the application.

Credit card application conditions:

Over 18 years old;

Second-generation ID card required;

Proof of employment and income stamped with the financial seal of the company;

No bad credit record;

Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.

Credit card application process:

Fill in the application form;

Provide personal information to the bank, and photocopies of the information;

Send by the bank To the credit card center;

The credit card center will conduct audit, card printing, and card issuance;

After I get the card, I will open the card and wait for the password letter. Why can Yinxinjia credit card be approved in seconds?

The audit speed of each bank is different. Some are very fast and approve and reject in seconds, such as Shanghai Pudong Development Bank; some audits are very slow, such as ICBC. Sometimes the audit may take a month; specific audit results It should be combined with your own qualifications and the bank's current policies. The most important thing is your qualifications. Why was my CCB credit card approved instantly without a credit check?

Real estate certificates are powerful proof of your personal financial resources. Currently, real estate certificates, car driving licenses, large time deposits, etc. are helpful for the success rate of card application and credit limit audit. Especially if you already have a credit card from another bank, your daily card usage and repayment status are audit criteria, which will be helpful for applying for credit cards from other banks. Why is it so easy to get a credit card now?

The essence of a credit card is a flexible loan.

Banks also aim to make profits.

Once the cardholder does not have enough funds on hand to repay on time,

Some handling fees or installment fees will be incurred,

and the bank will make a profit.

So as long as the applicant's credit meets the standards,

the credit card will be applied for. Which banks' credit cards can be approved instantly without credit reference

The most important conditions for applying for a China Merchants Bank credit card are that you are between 18 and 60 years old (overseas residents are between 25 and 60 years old), have certain financial capabilities and have a good credit record. The credit card application result shall be subject to our bank's actual audit. The necessary application files are a copy of your identity certificate and employment certificate. If you can provide other financial proof files, it will be more helpful for us to understand your personal situation and determine your credit limit. If you meet the application conditions for a China Merchants Bank credit card, you can try to apply for a China Merchants Bank credit card through the following methods: 1. Online application: Please open the official credit card website of our bank, select the horizontal menu "Apply for Credit Card" - "New Customer Application", and select your favorite After installing the card, follow the prompts; 2. Please bring your original identity certificate, work certificate and financial certificate files to any branch of China Merchants Bank for processing in person. 3. You can add "China Merchants Bank Credit Card Center" as a friend through WeChat and click "I want to apply for a card" to apply. 4. Call our credit card customer service hotline, select "3#" in the voice message to apply for credit card consultation, then select "1" to transfer the service specialist to register for you, and notify our local staff to contact you to confirm the application. The credit card application result shall be subject to our bank's actual audit. Why is it so difficult to apply for a credit card now?

The credit card limit I applied for a few days ago was only 10,000. If you really can’t figure out the reason, go check your credit record. Why can’t you apply for a credit card if you haven’t paid back the credit card?

All banks can check the bad records of overdue credit cards. Will refuse to apply for the card