Changsha Bank Credit Card Application Progress Inquiry
1. You can call the Changsha Bank Credit Card customer service hotline to check.
2. You can log in to the official website of Changsha Bank for self-service inquiry. The specific method is as follows:
1. Open Baidu search, enter "Changsha Bank" in the search bar, and find the official website of Changsha Bank after searching. Click to enter.
2. After entering the official website of Changsha Bank, find the "Credit Card" item and click to enter.
3. After entering the credit card, find the "Application Progress" item and click to enter.
4. After entering the application progress query, enter the ID number. After passing the verification, you can check the credit card application progress. [img]
How to check the progress of credit card application
Check online. This is a relatively simple query method. The user uses a computer to enter the bank's official website, find the credit card progress query entrance, and click to enter. At this point, enter your ID number to check the progress of your credit card application.
Inquiry at the bank counter. Users can bring their ID cards to local bank branches to check the progress of credit card applications. Of course, this method is relatively cumbersome and wastes a long time. Therefore, if users use this method to query, it is best to choose a free time.
Telephone inquiries. Users can also make inquiries by calling the bank's customer service hotline and follow the voice prompts. This query method is relatively convenient.
In addition to the above query methods, many banks can now also query through WeChat official accounts. Users can use their mobile phones to follow the official account of the relevant bank to see if there is an entrance to check the progress of credit card application. If there is, just click to enter and enter the relevant information to query.
Is it easy to apply for a Changsha Bank credit card? How to check the progress of credit card application?
Changsha Bank is the largest city bank in Hunan. Many Hunan people have applied for credit cards from city banks. Many people apply because the credit card application threshold of city banks is lower. So, is it easy to apply for a Changsha Bank credit card? How to check the progress of credit card application? Let me answer it for you today.
Is it easy to apply for a Changsha Bank credit card?
It is not difficult to apply for a Changsha Bank credit card. People who meet the following application conditions will basically be able to apply.
1. Applicants must be over 18 years old and between 18 and 65 years old. And the applicant must have full civil capacity.
2. The applicant must have a legal and stable job and source of income, and the income must be above the local per capita income.
3. The applicant must either work at the location of the card-issuing bank or have a fixed residence at the location of the card-issuing bank.
How to check the progress of credit card application with Changsha Bank Credit Card?
1. Online banking inquiry
Customers who have opened Changsha Bank's online banking can log in to Changsha Bank's online banking, select "Application" on the "Credit Card" interface, and then click "Inquiry" Click "Application Progress" to check the progress of your credit card application.
2. WeChat query
Basically every bank now has a WeChat official account. You can follow Changsha Bank’s WeChat official account, enter the official account, enter “progress”, and the public There will be specific prompts on the number telling you how to check the application progress.
3. Telephone Inquiry
You can call the customer service hotline of Changsha Bank at 400-679-6511 to inquire. You can inquire by yourself according to the voice prompts, or you can transfer to manual service for inquiry.
The above is the answer to "Is it easy to apply for a Changsha Bank credit card? How to check the progress of credit card application?" Changsha Bank Credit Card is easy to apply for. Its application threshold is not high. Friends who meet the requirements can apply. You can check the specific application progress according to the above method.
How to check the progress of credit card?
Steps and methods to check the progress of credit card application:
1. Online query: Log in to the official bank website (such as Bank of China, operating environment version: 7.1.7), click: Credit Card Application Progress Enter the online inquiry channel to inquire;
2. Telephone inquiry: call the bank's credit card hotline and inquire with your ID number.
3. Bring your valid ID to the bank counter for enquiry.
1. The progress of credit card application is mainly based on your repayment ability. If your certification conditions are sufficient, it is very easy to apply for the card. If the proof is not so sufficient, the deposit may not be made or the amount may be low. So you should pay close attention to the status of the card, and you can check the processing status online.
1. Generally, it takes about 20-40 days from the time you submit the card application materials.
2. After receiving the credit card application materials from various local cities, the credit card center must review and file them. This process takes 15 days. The next step is to make the card. Due to the high value of card making equipment, domestic card making equipment is basically produced centrally by the credit card centers of various banks. This process usually takes two days.
3. The final step is to mail the card to the cardholder by registered mail, which usually takes 7 to 15 days. In addition to the possible delays between each link, it is normal to get the card in 40 days.
2. Regarding credit cards, credit cards are issued by commercial banks to individuals and organizations. They are used to shop and consume with special organizations and deposit and withdraw cash from banks. They are special carrier cards with consumer credit. They are in the form of a A card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front, and a magnetic stripe and signature strip on the back. Credit cards are divided into two categories: credit cards and quasi-credit cards based on whether a reserve fund is deposited with the card-issuing bank. A credit card is a certain credit limit given by the card-issuing bank to the cardholder. The cardholder can spend within the credit limit first and then Credit card repayment. A quasi-credit card is a credit card that requires a certain amount of reserve deposit to be deposited first as required by the card-issuing bank. What we call credit cards now generally refers to credit cards only.
1. Credit cards are mainly used to consume first and repay later. Use bank funds to consume in advance and enjoy the interest-free period. This is a financial management method.
2. A credit card is not a savings card, and interest will not be settled on deposits in the credit card.
3. Credit card can be used as a payment tool and can be consumed directly through the card swiping POS machine or online payment platform installed by the merchant.
4. The bank will also provide you with various forms of points, discounts, installments, draws, promotions and other activities.
5. Credit card is still the main international payment tool. On international websites, you only need to fill in your personal credit card information to make purchases directly. And if you are on a business trip and staying in a hotel, only a credit card can do it for you. Hotel pre-authorization.
How long will it take for the Changsha Bank credit card to be entered?
The fastest is 14 days for the review result
Under normal circumstances, after the user submits the application information, the bank will require It will take 2-3 working days to input the data into the system.
The review will be officially started after that. Generally, the review takes 2-4 weeks, and the review results can be issued in 14 days at the fastest. After applying for a credit card, users can log in to the official website of Changsha Bank to check the credit card application progress.
How to check the progress of credit card processing?
As we all know, individuals who are 18 to 65 years old, have full civil capacity, have legal and stable sources of income, and have good credit can apply for a credit card. Anyone can apply for a credit card. But whether the card can be successfully approved in the end depends on the person. From the mouths of many card gods, we know that these five types of people are more likely to be approved for credit cards.
When banks approve credit cards, they will score them based on the applicant's qualifications. The higher the score, the easier it is to approve the card. Generally speaking, applicants who meet the following characteristics will not have a very low score.
1. Have a sustained and stable income
In other words, a stable job.
Whether the job is stable and whether there is income can reflect whether the applicant has the ability to repay the loan. However, each bank has different views on this income stability.
For example, for the four major state-owned banks, for them, those with stable jobs are generally employees of public institutions or state-owned enterprises, or employees of Fortune 500 companies. The jobs of these people are quite stable. , the income is also higher than ordinary people, and the repayment ability cannot be underestimated.
But for joint-stock commercial banks, as long as there is a job, income, and working hours of more than 3 months, it is equivalent to stability. Generally, they are not very picky about the applicant’s work unit, as long as If you are not a person in a high-risk occupation, it is still relatively easy to get stuck.
2. People with large deposits in the bank
People who have large deposits of more than 50,000 in the bank are generally high-quality customers of the bank. In the eyes of the bank, these people have deposits. , so there is no need to worry about their repayment ability. In addition to applying for credit cards on their own initiative, such people will also be invited by banks to apply for cards.
So, if you want to apply for a credit card from a certain bank, it is also a common method to open an account at that bank and save money to buy financial products.
3. College students and other highly educated groups
In fact, China Merchants Bank was the first to open the credit card market for college students. At least before 2010, when college students first came into contact with credit cards, only China Merchants Bank China Construction Bank approves cards for college students.
So, if you are a college student, it is generally easier to apply for credit cards from these two banks.
4. Have a mortgage loan in a bank
If you have a mortgage loan from a bank, it is easy to apply for its credit card, and the limit is at least 10,000. If you want to apply for a state-owned credit card For credit cards from the four major banks, you can try this method.
Some cardholders reported that they got a mortgage from China Construction Bank, applied for a CCB credit card online, and got a gold card with a limit of 10,000 yuan.
Of course, these four situations do not necessarily mean you can apply for a credit card. These are just common situations.
If you want to apply for a credit card quickly, the second one among the three situations that is most likely to meet the conditions is that you have a deposit in the bank. As for how much deposit each bank requires, it is recommended that it be more than 50,000. , after all, banks do not look down upon deposits below 50,000.
That’s it for the introduction of Changsha credit card progress inquiry.