What does credit card approval mean?

Question 1: What is credit card approval? The approval date refers to the date when your card is approved. It is noted on the card letter you receive. Indicate the billing date of your card. The Bank of Communications credit card statement date is automatically assigned to one of the 4th to 19th and 21st to 24th of each month, and the due payment date is postponed 25 days after the statement date.

Question 2: What does the verification date of a Bank of Communications credit card mean? The verification date has nothing to do with the daily use of the credit card. It is related to the validity period of the card and is closely related to the statement date.

For information such as the card verification date, bill date, limit, etc., please send it in the envelope of the credit card, or call us to check.

The two numbers on the card certificate are the valid year and month, and the month is the month when the card was approved.

Question 3: Do the review and approval in credit cards mean the same thing? Auditing is the first step. Approval is the next step

Question 4: What does it mean that the credit card has been approved? It means that the credit card has been approved and is waiting for the card to be issued

Question 5: Is the first year of Minsheng Bank’s credit card free? That What does core card mean? The annual fee for Minsheng Bank credit card is 100 yuan for the main card and 50 yuan for the supplementary card. The main card is 00 yuan and the supplementary gold card is 150 yuan.

The annual fee is waived in the first year of opening the card, and the annual fee is waived if you swipe the card 8 times in the same year. To put it in detail: the annual fee is free in the first year. If you swipe the card 8 times in the first year, there is no limit on the amount, and the annual fee in the second year will be waived.

There are many types of Minsheng cards. For some, you have to swipe once within one month of the card approval (with no limit on the amount) to be exempted from the annual fee for that year. If you swipe seven times again, it means one to eight times. If so, the annual fee for the following year will be waived;

The card approval date is the date when you receive the message that the card has been approved and will be sent out.

Question 6: What does the Bank of Communications credit card approval date mean? It is the day when your Bank of Communications credit card is approved

Question 7: What does the credit card approval date mean? It means that it is under approval

Question 8: What does the credit card under approval mean? How long does it take for the card to be issued? It means that the applicant's information is being reviewed.

Credit card application generally takes 1-2 weeks to get the credit card. If there are holidays, it will be postponed. There are many factors that affect credit card approval, including: 1. Whether the local bank has submitted your credit card application information to the bank's credit card center in time; 2. The distance from the bank's credit card center: it takes longer in more remote areas; 3. The number of people waiting in line for credit card approval when applying for a credit card;

Question 9: What does credit card review mean? You applied online so you have to go to the counter for an interview. Equivalent to the second review. Just sign in person with the bank staff. Adopt it

Question 10: The bill date is on the 27th of each month, and the card verification date is November 16, 2015. What does it mean? Ignore the verification date. This date is of no use. Just remember: the bill date is every month. 27th, and then the 25th day after the bill date is the repayment date.

What is a credit card approval?

Credit card approval has two meanings, including review and approval in credit cards. Two meanings of core. Credit card review refers to whether the content filled in the front-end review form is true. Credit card approval refers to the credit inquiry and personal identity information comparison. If it is accurate, the card can be approved. The credit card review process is completed, and after passing the review, the credit card will be sent.

1. Credit card application

-In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources , you can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank.

The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

2. Credit card review

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

What does card verification mean?

Card verification refers to the process in which the bank is still reviewing the applicant’s information.

Credit card verification is simply a process in which the bank reviews the relevant information provided by the credit card applicant after receiving it. Only after the card verification process is completed and passed, the bank will issue the credit card and mail it to the cardholder. After the cardholder receives the card, he or she can activate the card through the counter or self-service activation method.

Rules for bank card approval

1. Older people have relatively higher evaluation scores. Generally, the age of credit card application is between 18 and 60 years old. If you meet the basic age conditions If you are not satisfied, then it is normal that the credit card cannot be approved.

2. Under the premise that it meets the user's position, the higher the user's salary, the higher the evaluation score. The work and income certificates provided must be true and valid. If you are unable to get approved for a credit card, repayment ability is the most important factor.

3. A good credit record is the stepping stone for credit card application. If the user has had a credit card or overdue loan in the past and has a bad credit record, it is inevitable that he will not be approved for credit card application.

4. If the card applicant has real estate, such as a car or a house, it shows that he or she has the ability to repay debts, the bank score will be high, and the likelihood of the credit card being approved will be high.

After the verification is passed, there will be a verification day. The card verification date refers to the date when the card is approved and is mainly used for the annual fee calculation cycle. Currently, many banks have discounts for swiping the card a certain number of times to waive the annual fee, but it must be a certain number of times in a year. There are many ways to check the card verification date, including phone calls, mobile phones, etc.

What does credit card approval mean?

There are two meanings in credit card approval, including review and approval. Credit card review is to check whether the content filled in the form is true. Credit card approval refers to a credit inquiry and comparison of personally identifiable data. If they are accurate, they can be approved. Once the credit card review process is completed, the credit card will be sent after approval.

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1. The credit card approval steps are as follows:

1. The credit card is processed by the business staff through the machine. In addition, a paper application form is also added. Fill it out Afterwards, the electronic application form will be entered into the business director's computer for preliminary review. The business director can call your home phone number, work phone number and your phone number to verify the information, and then enter the credit reviewer's computer at the local credit card center for further review. After the review is passed, Enter the Bank of Communications headquarters for review. Bank of Communications has two credit card headquarters, one in Shanghai and the other in Wuhan.

2. The audit of the headquarters is generally conducted on a spot basis and can be approved directly without a phone call. The phone number of the headquarters usually starts with 021 or 027. Your card should be approved after approval. 3. After approval, each card will be processed. Same.

The pinyin of your name should be printed on it and mailed to your workplace.

4. Bank of Communications now approves credit cards faster at multiple banks. Generally speaking, it takes eight to nine days from application to receipt of the card, and 15 days from receipt of the card.

5. Don’t resent the bank’s investigation. If the bank asks you, answer truthfully and in detail. If the bank asks you questions, it must not only be responsible for itself, but also be responsible for you, because once your identity is misused, others will process your ID card without you knowing, and the bank will not review it, which is very harmful to you and the bank. Banks are not good at it. The bank's inquiry is to confirm that you personally processed the credit card. This is the protection of your property and information.

2. How long does it take for a credit card to be approved:

Generally speaking, it takes two working days for a credit card to be issued. After the card is produced, it will usually be sent to your billing address by registered mail (there will be a text message reminder). It usually takes about 1~2 weeks to receive. Please wait.

This is the end of the introduction about what a credit card is and what a core card is. Have you found the information you need?