It takes 10 to 15 working days for the credit card review of China Merchants Bank. If the applicant has good qualifications, it will take 10 working days to receive the approval information; if the applicant has poor qualifications, it will take 15 working days.

Under normal circumstances, it usually takes 10 working days for China Merchants Bank Credit Card Center to complete the approval after receiving the application materials. Naturally, if there is no accident, the card will be received within 15 days after receiving the card notification message.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

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What does it mean in the audit of China Merchants Credit Card? The last time was during data processing.

This means that information is being censored. Normal is 10 working days.

After receiving your application materials, the bank credit card promoter will forward it to the audit department of the credit card center. It usually takes 10 working days from the receipt of the application materials by the audit department to the completion of the credit card audit. After approval, we will make a card for you within 2 working days, and then send it by registered mail according to the billing address. Generally, the sending time of registered letters is within 15 days.

Extended data

1. Copy of the running list of the savings account of China Merchants Bank within three months;

2. The original proof of the asset balance of the wealth management account opened by China Merchants Bank;

3. A copy of the real estate license (including my name)+a copy of any water, electricity and coal invoice documents of the property in recent 3 months;

4. A copy of my driver's license.

Baidu Encyclopedia-China Merchants Bank Credit Card

Why is China Merchants Bank's credit card application under review?

It is shown in the audit: users are advised to wait patiently. The audit system of China Merchants Bank is quite complicated. If the audit is in the third step, the audit time will not exceed ten working days.

Display information has been submitted: according to the normal process, within five days after the user submits the application, a salesman will definitely call the user to apply for a card. The first step of this card is rare, and it is likely to be rejected in the first instance. You can use telephone customer service to inquire. As long as the materials submitted by users are complete and the application materials are received from the audit department, it usually takes 8 working days to complete the audit, and the card will be made for customers within 2 working days after the approval.

Extended data:

Precautions:

Try to handle credit cards in the credit card department of bank outlets, which can not only ensure the safety of the application process, but also understand the bank's credit card products and choose the most suitable one among many products.

Try not to handle advertising and intermediary companies through credit cards of non-bank financial institutions, so as not to disclose personal information to others, and at the same time resist the temptation to apply for credit cards to send small gifts.

Don't ask for an excessive amount, which will affect the success rate of the application. You should apply according to consumer demand and economic ability to avoid excessive overdraft consumption.

When applying for a credit card, you need to read the agreement on the back of the credit card application form carefully and remember the rights and obligations, which many credit card users will ignore. Know in advance the division of responsibilities under some special circumstances, such as the attribution of responsibilities after the credit card is stolen, so as to avoid being at a loss when encountering such problems.

Baidu Encyclopedia-China Merchants Bank Credit Card

China Merchants Bank credit card audit results in a few days.

If you make an appointment to apply for China Merchants Bank credit card through online banking for the first time, the system will make a preliminary examination according to the information you fill in. There are two different situations after the audit: the China Merchants Bank Commissioner will contact you by phone within 4 working days to make an appointment for the door-to-door time; To send you an audit notification SMS, you need to sign it at any branch of China Merchants Bank with SMS and valid ID within 30 days. If the verification is successful, the card will be mailed to you and will be received about a week after mailing. Tips:

1. These two situations are automatically assigned by the system and cannot be selected. The final result is subject to approval.

2. If the interview time exceeds 30 days, you need to resubmit the application materials at the outlets, and you can only apply once within 2 months of online banking reservation.

(Response time: June 5, 2020. Please refer to the latest business changes announced by China Merchants Bank in official website. )

China Merchants Bank's credit card application has been under review. What happened?

Credit card approval takes time, don't worry, it's a process. You can follow up at any time during the card application process, and you can check it in the official account of China Merchants Bank Credit Card WeChat:

1. Open WeChat and follow the official account of WeChat and the credit card of China Merchants Bank.

2. After entering the official WeChat account, click Finance/Select Card, and then enter the card opening progress.

3. Then the system will open a dialog box, which will have an option to query the progress of card processing. Click to enter.

4. Then click the progress query on the entered page to query the card processing progress of China Merchants Bank Credit Card.

So much for the introduction in the audit of China Merchants Credit Card.