Credit card review
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
Extended data:
There are several ways to make up for the lack of comprehensive scores:
1. Comprehensive score refers to the comprehensive review of the details, completeness and authenticity of the submitted materials, as well as the individual's application qualification and job stability.
2. If the comprehensive score is insufficient, you can call customer service and ask the staff to help you check the specific reasons and apply for supplementary information according to the specific reasons.
3. It may be that the original application materials failed to fully show the real situation, so the application failed and the audit failed, and the manager will be notified by SMS.
4. If the mobile phone number is abnormal, a paper return notice will be sent.
If the manager's future work or financial information changes, you can provide the application information again after three months.
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Baidu encyclopedia-credit card