Answer: Hello, the credit card application is in the delivery information before review. Under normal circumstances, there is no need for you to perform any further operations, so please just wait patiently. Processing: Processing refers to preparing the information and submitting it to the system of the loan company or bank. It is called processing. After the documentation is submitted, the bank or loan company will start to review the loan.

1. Credit card application conditions

1. Must be at least 18 years old (inclusive); if it is an additional card, you must be at least 16 years old (inclusive).

2. Materials

(1) Position certification documents (one item is enough): copies of credit certification materials such as work permit issued by the unit, original work certificate, professional title certificate, etc. .

(2) Copy of identity document. Identity documents refer to valid documents such as resident identity cards, Mainland Travel Permits for Hong Kong and Macao residents, military officer ID cards, Mainland Travel Permits for Taiwan compatriots, and passports.

3. Supporting materials

(1) Copy of your own car driving license.

(2) Income certification documents (the following items are optional): bank salary records, original income certificates issued by the unit, copies of the bank's time deposit certificates, income tax withholding certificates and other materials pieces.

(3) Housing certificate (the items listed below are optional): copies of self-owned real estate certificate, self-owned housing mortgage down payment voucher and other information.

4. Materials required for credit limit adjustment

(1) The original or copy of the personal income tax withholding voucher or tax payment certificate for the last three consecutive months or the previous year.

(2) Provident Fund acceptance inquiry form within the past three months and stamped with the Provident Fund Center’s business seal.

(3) Original statements or copies of bankbooks from our bank or other banks containing salary payment for the past three consecutive months.

(4) Inquiry form for social security payment base within the past three months and stamped with the business seal of the Social Security Center.

2. Potential reasons for credit card application failure

The credit card application always fails due to the following reasons:

1. There is a bad record on personal credit report. Banks mainly check credit and assets when approving credit cards. If your credit is not good, it will be easily rejected.

2. Do not meet the credit card application conditions. Credit cards have application conditions, such as age, income, whether you have a car, etc.

3. Do not apply for a credit card through formal credit card application channels. There are many unscrupulous intermediaries who apply for credit cards. They all defraud applicants' information and will not apply for a credit card for you.

4. The bank's score is not up to standard. The bank has a scoring system. If it does not reach a certain score, the system will display a notice saying "Card issuance is refused due to insufficient comprehensive score."