The consequences of not going to the credit card interview
For this question, different banks have different regulations and cannot give an exact answer. Generally speaking, if you don’t go to the interview, it will affect your next credit card application.
If you do not want to apply due to quota reasons, then even if you do not want to go to the branch for an interview, you must contact the bank customer service to cancel, otherwise it will affect your subsequent application for a credit card. If you want to use your credit card normally, you must go to the bank for an interview, bring your original ID card, proof of work and financial resources, etc. to activate the credit card. Otherwise, the credit card cannot be used normally.
However, the interview is just a process and will not be recorded in the personal credit record. Because the bank did not conduct the final review and rejection of the card, the credit card application will not be marked as rejected. What are the consequences of not going to the credit card interview?
1. The consequence of not going to the credit card interview is that you cannot successfully apply for a credit card. At the same time, if you want to apply for a credit card again in the future, you will be affected to a certain extent.
2. Generally speaking, if it is the first time to apply for a credit card online, some banks will require the applicant to go to the bank for an interview in person before the card can be issued. If the applicant still wants to use a credit card, he must bring his valid ID to the bank for an interview.
For more information about the consequences of not going to the credit card interview, go to: View more content Are there any consequences of not going to the Agricultural Bank of China for the interview? The consequences are quite serious!
Whether you are applying for a loan or a credit card, you may receive an interview notice from the bank. Someone asked this question: Are there any consequences if the Agricultural Bank of China does not go to the interview? So let me briefly talk about this issue for you. I hope you will find it helpful after reading it.
Are there any consequences if the Agricultural Bank of China does not go to the interview? There will be consequences. The most direct impact is that the application will be canceled and the credit line will not be obtained. Generally speaking, whether it is a credit card or a loan, there will be an expiration date. If the validity period expires and you still fail to go to the interview and go through the next step, the bank will cancel the business, so you need to apply again if you want to apply. At the same time, if users often "break appointments" like this, they will leave a bad impression on ABC and have a negative impact on future business management. Therefore, it is recommended that users go through the process as soon as possible after receiving the notification from the bank. Users are required to bring relevant information when going to the Agricultural Bank of China for an interview. During the interview, users will be asked some basic questions, such as personal information and work income, and they will be asked to answer truthfully. As long as the user has the ability and credit to repay the loan, there will be no problem and the chance of passing will be relatively high. The above is the answer to "Are there any consequences if the Agricultural Bank of China does not go to the interview?" In general, it is recommended that users follow the bank's notification requirements. Failure to do so will cause the application to be interrupted, the credit limit will not be obtained, and it will also leave a bad impression on the bank. During the interview, you need to actively cooperate and answer the staff's questions truthfully. It is easier to pass if you have good credit. What will happen if you apply for a credit card without going to the bank for an interview?
The main purpose of the bank requiring customers to go to a business outlet for an interview is to verify the identity of the applicant and confirm whether the cardholder is applying in person. Only after passing the interview can the user activate and use the credit card normally. If you do not go to the interview within the validity period, the bank will treat it as automatically giving up the credit card application, and the user will not be able to re-apply for a credit card through online channels for a period of time (usually 90 days).
However, passing the initial credit card review and not going to the interview will not have a big impact on your personal credit report, nor will it affect the processing of other financial services.
Extended information:
A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards refer to electronic payment cards issued by commercial banks or other financial institutions that have all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc.
On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.
Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).
Credit card is a non-cash payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. They are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with a credit card. Make further repayments.
Except for some credit cards that are combined with debit cards, general credit cards are different from debit cards and cash cards in that credit cards will not directly deduct funds from the user's account.
Credit cards are issued by commercial banks to individuals and organizations. They can use them to shop and consume with special organizations and deposit and withdraw cash from banks. They are special carrier cards with consumer credit. They are in the form of a card with the card issuing number printed on the front. Cards with bank name, validity period, number, cardholder name, etc., and a magnetic stripe and signature strip on the back.
A real credit card has the following characteristics: it is not encouraged to deposit cash in advance, consume first and repay later, enjoys an interest-free payment period, can repay in installments independently (with a minimum repayment amount), join VISA, MASTER Wait for international credit card organizations to make it universally applicable.