2 Conditions for handling a credit card gold card: Applicants are required to be between 18 and 6 years old and have full capacity for civil conduct; The applicant's credit status is good and there is no bad credit record; Have a stable job and income, and have the ability to repay on time.
1. Is it easy to apply for a CMB credit card?
The difficulty of credit card approval of China Merchants Bank depends on the applicant's personal credit information, income level, guarantee, card type requirements, etc. If you are a newly graduated student or an applicant with a low income level, and want to apply for the gold card or platinum card of China Merchants Bank Credit Card directly, the pass rate will be relatively low.
The general card of China Merchants Bank is relatively easy to be approved, generally meeting the following requirements:
1. Natural persons aged 18-6;
2. Have a stable source of work and income, provide bank running records for nearly three months, and have no bad records in the bank credit information system.
In order to ensure the smooth approval of China Merchants Bank's credit card, we can pay attention to the following points:
1. Providing houses, vehicles and other assets as collateral can improve the pass rate;
2. Before applying for China Merchants Bank credit card, first select the appropriate credit card type to apply for according to the card type application requirements and personal actual situation;
3. After the application, you will receive a call for a return visit, and pay attention to the details, especially the contents of the return visit and the personal information filled in must be consistent and not inconsistent.
The application threshold of China Merchants Bank's credit card is relatively low. Just pay attention to the requirements and details, and there will be no great obstacles to the approval.
Second, how long does it take to approve new users
Different banks have different approval times. Here are some common bank approval times:
1. China Construction Bank
It may take two weeks or more than a month for China Construction Bank to approve credit cards.
after completing the application, the bank counter should send it to the branch card department regularly, and the branch card center should send it to the credit card center regularly. The credit card center will review the information and conduct credit investigation. If it meets the requirements of CCB, the card will be approved for business card printing, and then the card will be sent to you. All these steps take time, so it usually takes at least two weeks from your application to your receipt of the card, and as long as two months is possible.
If you are eager to check the progress, you can go to the website of CCB to see if it has passed, or you can call the credit card department to check. If it has been approved, you will have to wait about 2 days to issue the card, and then it will take 7-1 days to mail it by hanging up number, so the total process will take 45 days at the earliest, and the cycle will be about 45 days to 7 days.
2. China Merchants Bank
The audit time of China Merchants Bank may be faster, usually within 1 days to 2 days, and the following processes are followed:
① Submit the required materials: copy of identity certificate, original work certificate, original salary and income certificate, and whether the application form is complete, and remind you to supplement if there are any deficiencies;
② conducting credit investigation: verifying whether the customer's identity information is consistent with the ID card information base, and inquiring the personal credit investigation system;
③ information verification: call the applicant and his company to verify that his information and company information are true and reliable;
④ after the audit is completed, send a credit card.