there are generally several requirements for banks to review credit cards. First of all, you should be between 18 and 65 years old, have a stable occupation and income, have good credit and the ability to repay interest on time, and have full civil capacity (mental patients or disabled people may not be able to apply for a credit card), and then provide some other financial proof, with ID card, work income certificate, garage, bank deposit and other financial proof, and then apply at the local bank counter, and the result will be obtained in about two weeks. The threshold of Minsheng Bank is not particularly high, but there is still a good chance, and Minsheng Bank has a high quota, so you can try it.

: The speed of credit card approval in Minsheng Bank is related to the processing channels, and the following are the time for card approval in different channels:

1. Handling the card through Minsheng Bank outlets: generally, the audit results will be issued within 3 working days. After the user applies for a credit card at the outlets, the bank will conduct pre-examination in the local marketing center. After the pre-examination is passed, the bank will send the materials submitted by the user to Minsheng Bank headquarters, which will enter the materials into the system for audit, and the audit results will be issued within 3 working days.

2. Apply for a card through the Internet: Old credit card users of Minsheng Bank apply for a card, and the bank will conduct pre-examination on T +1 at the earliest; If a new user applies for a credit card, the bank will immediately conduct a pre-examination, and then inform the applicant of the pre-examination results by SMS, and then formally inquire about the credit review.

how to audit the credit card of Minsheng bank?

At present, the internal audit of banks is realized by "paperless" office. When the applicant's application form is sent to the bank from all over the country, the relevant offices of the bank will immediately scan it at high speed and generate a picture file.

Then, according to different areas of the application form, it is automatically divided into smaller picture files, and each picture contains only one item filled in by the applicant. Each staff member can only be responsible for entering one item. For example, the staff who enter the ID number can only see the ID number, and after the entry, the information directly enters the electronic audit system of the bank, thus ensuring that the information of the applicant will not be leaked.

Speaking of this, the staff member stressed that each small picture will be entered twice by two different staff members. If the content entered twice is the same, the content will enter the system. If the content is different twice, the small picture will be given to a third person for identification, so as to ensure the accuracy of the information entered.

when all the contents of an application form are entered, a complete electronic application form is formed and enters the review process.

in this review process, there are two procedures: electronic review and manual review. At first, the electronic system will evaluate the completeness of the information in the application form, and then judge whether the applicant meets the hard requirements such as age and income by virtue of the personal information on the application form, and will automatically query the credit status of the applicant in the personal credit information system as a reference.

after passing the preliminary electronic screening, the form will enter the manual review stage. The staff of the examination and approval department will grab the work order in the work order pool according to their functions and authority and handle it. It is usually at this stage that the applicant can successfully pass the application.

firstly, the staff will reconfirm whether there are any missing items in the application form, whether the signature meets the requirements, whether the ID card is clear, etc. Secondly, they will review the submission channels of the application form to determine the authenticity of the information in the application form.

after the application forms have passed the manual preliminary review, the system will determine the classification of the application forms according to the parameters generated by the preliminary review, thus determining which level of approval process these application forms need to go through.

when the user's qualification meets the requirements, the initial process of credit card approval is passed.

afterwards, the bank will analyze the historical data of the applicants according to the principles of mathematical statistics and manual experience, and comprehensively evaluate and rank the applicants. Decide whether or not to grant the applicant a card and how much to give.

If there is ambiguity between batch and non-batch in the system, it will return to manual approval again, and the most experienced approver in the line will decide the final result.

it takes about 14 working days to complete the whole review process, and the online application is faster than the counter application, but whether the application can be successful depends mainly on the applicant's personal qualifications.