If Everbright Bank passes the preliminary review, you can prepare the corresponding materials and wait for the final review. The final review is mainly about setting the quota. After passing the preliminary review, you will receive a return call to answer the corresponding questions, that is, further assessment will enter the final review.

The purpose of the preliminary examination is to confirm the authenticity of the personal data (that is, the personal identity is true and the person can assume personal civil capacity in a legal sense). The final review is to see if there are any negative records in the user's personal credit record in the People's Bank of China personal credit information system. This is common to all banks. If the user has a negative credit record, he or she will not be able to successfully apply for a credit card.

Users can bring their ID card to the local People's Bank of China to check their personal credit record in advance. If it is good, they have the basic conditions for applying for a credit card.

Extended information

The reasons for the final rejection of Everbright Bank's credit card are:

There are two possibilities for the final rejection of Everbright Bank's credit card. One is that the credit report is insufficient. Well, one is that the overall score of the bank is insufficient.

1. Bad credit report: If you have been overdue for a long time when using credit cards from other banks, your overdue record will be uploaded to the central bank’s credit report. During the final review, China Everbright Bank will generally It will check your credit record and refuse to issue a card once it finds that there is a problem with your credit;

2. Insufficient bank comprehensive score: If you have never used any product of China Everbright Bank before, your best choice is It is best to apply for a debit card from China Everbright Bank to accumulate credit points, otherwise the bank system will fail the review.