It has not been approved yet, so you need to wait patiently. You can contact the bank's credit card center for details.

After the bank credit card center receives the application materials, it generally takes 7-15 working days to complete the review and approval (the review time varies by different banks). After the review is passed, the card will be sent by SMS or Email to remind customers. Generally, you can receive the card within 15 days after receiving the card notification.

Credit cards are generally sent by registered mail. If you need to send the card by express delivery, please call the credit card service hotline.

Credit card application review requires a comprehensive assessment by the bank's credit reporting system, which takes into account many factors, such as age, job stability, income, credit history, etc.

If the applicant’s job or financial information changes, you can generally re-submit the information after 3-6 months.

Extended information

According to the existing credit card application process, users only know how much credit they have when they are approved for a credit card. Therefore, it is generally reported that they feel unsure when applying for a credit card. . Recently, the Hubei Branch of Bank of China launched a credit card application process based on big data innovation, allowing customers to know in advance the amount of credit they can be approved for.

Recently, the Hubei Provincial Branch of Bank of China has fully launched the "calling machine pre-credit card application" system within its jurisdiction. Relying on big data analysis, the system integrates the information of customers who have handled investment and financial management, salary payment, pensions, mortgage loans and other businesses with the bank to form a "white list" for quota approval. Crowds are provided with pre-approved lines of credit.

When customers who meet the above conditions handle business at a Bank of China branch, they only need to swipe their Bank of China savings card or ID card on the number calling machine to know how much credit card they can apply for. If they are interested in applying, these customers only need to provide a copy of their ID card and a receipt from the call machine to apply, and there is no need to supplement other financial documents.

This new feature is affectionately called "transparent quota" by users. Citizen Li Xiaojun applied for a credit card in this way: "In the past, when applying for a credit card, no one could tell how much credit limit could be approved, but now it is much more reliable."

It is understood that the pre-granted credit limit It should also be adjusted based on personal credit status. Relevant persons in charge of credit card approval at the Hubei Branch of the Bank of China pointed out that the pre-credit limit prompted by the number calling machine is mainly based on the big data of the applicant's business with the Bank of China. For the final credit limit, the applicant's latest personal credit status must be checked online to give the final credit limit.

At present, the system is still in the initial pilot stage, and the Hubei Branch of Bank of China has provided "transparent quotas" to 800,000 residents in the province. After three days of piloting, more than 200 customers across the province have tried it out.

Baidu Encyclopedia--Credit Card

Bank of China--Credit Card Application Process