How can I apply for a credit card to pass the review? What are the review criteria?

Today, it is not easy to successfully apply for a credit card. Many people are rejected for various reasons. Many people do not know much about it, so how can they apply for a credit card and pass it? Review? Let’s take a look below.

1. Properly package the real information:

There are many intermediaries claiming to be able to help with card processing, but most of them provide false information. Once it is found that the credit card cannot be applied for, they will be fined. Added to bank blacklist. Therefore, everyone still needs to properly package the real information, which can start from aspects such as position and income.

2. The credit report must pass the test

It must be based on the situation, divided into white households and non-white households. It is best for white households to establish a personal credit record first, such as Huabei now They are all on the credit report. If you have Huabei, you should use it well and don’t forget to repay it on time; if you have a non-white account, you must maintain it well. In addition to repaying it on time, you should also try to avoid being checked by financial institutions. .

3. Improve personal comprehensive strength:

One is the repayment ability, such as increasing income by doing ++, etc., and the other is making money to pay off part of the money owed on the credit report , reduce personal debt and release repayment ability; one is to make appropriate use of credit from other platforms, such as Alipay’s Sesame Points, JD.com credit points, etc.

What are the standards for banks to review credit cards?

1. Income situation

The bank will judge whether you can meet the qualifications of the bank based on your income situation, different positions, different industries, and different salaries. Naturally, the higher the salary, the higher the qualifications. The higher your credit card's initial limit is, the higher it will be.

2. Bank flow

The bank’s fixed flow, such as salary card and monthly salary payment, is very important for bank flow. The bank system can record that your income is very stable, and you have A certain financial foundation is a very favorable condition for applying for a credit card. But if you don’t have a regular flow of money in the bank, the bank will be suspicious of your application.

3. Do you have housing and credit history?

Housing is an indispensable condition for the credit limit. When you have the ability to buy a house, you are still worried that the bank will not handle it for you. Credit card?

Credit record is also the credit record. No overdue credit, good credit, and on-time repayment are all manifestations of a good credit record. This proves that if you need a loan for something in the future, you can repay it on time because you have a credit record.

4. Card application record

Generally, you should not apply for more than 3 cards in a month. Once you exceed 3, the bank will think that you lack a large amount of funds in a short period of time. It is best to apply for a card within 3 months. Apply for one card, or apply for 3 within a year, so the chance of the bank issuing the card is very high.

What questions will be asked in the credit card review?

The bank's credit card review process is very strict. The information filled in when applying for the credit card will usually be followed by a phone call. The result of this phone call is directly related to whether your credit card can be successfully approved. So what questions do banks usually ask during phone calls during credit card review?

1. Mobile phone return interview

When applying for a credit card, you need to fill in all the information truthfully and accurately remember the filled in information so that you can answer fluently when the bank calls you back in the future. The mobile phones generally provided include the card applicant himself and his relatives. When conducting a return telephone interview with the card applicant himself, in addition to verifying the required information such as ID number, work unit and unit address, credit card mailing address, etc., he may also ask questions. Other non-routine questions, such as previous workplace and income, approximate date of filling out the form, or main purpose of credit card application after successful application, etc. When answering questions, be sure to remain calm and answer truthfully. If you are hesitant when making a return call, or even have information discrepancies, it may directly affect the credit card application.

2. Landline callback interview

Landline callback visits are generally targeted at the work unit and mainly ask "whether you are employed in the company, what position you are employed in, salary and income status, and your position in the company." performance or let the company evaluate you," etc. The company's phone number is usually reserved for the receptionist or the human resources department, so you need to communicate with these people in advance. When you receive a call, you must answer the call promptly and give a good answer.

You can prepare a copy of the relevant non-personal information you provided when applying for a credit card to avoid colleagues making mistakes in answering questions.

During the credit card review process, remember to ensure that the phone is open and someone is answering the phone. When answering the bank's phone call, give a positive and correct reply, which will help the credit card be approved.

What do you look for in a credit card (debit card) review?

Credit card (debit card) review will look at the application form submitted by the customer, as well as copies of ID cards, income verification documents (such as pay stubs, bank statements) and other materials, and will also check the customer's personal information Credit report to understand the customer's age, education, marital status, residential address, work situation, economic income level, liabilities, credit status, etc.

Only when it is confirmed that the customer has good credit, has stable income, and has the ability to repay on time, can the bank pass the approval and successfully approve the card. If during the review process it is found that the customer has poor credit, or that his economic income level does not meet the required standards, or his debts are too high, etc., the card will probably not be approved.

What do banks mainly examine when applying for a credit card?

First of all, look at the basic information of the applicant you filled in, that is, the ones you filled in offline or online. Some of this basic information will be clicked out as soon as it comes up in the card center's automatic system or manual review, such as special industries, special positions and even special regions. This specific review condition cannot be disclosed to the outside world, otherwise it will cause malicious applications and cause unnecessary trouble to the card center.

If the basic information is OK, then enter the credit report review stage. The card center will apply to the central bank for access to your credit report. The credit report will truly record your basic information, social security information and personal credit records (such as car loan and house loan status, credit card usage, and the frequency of credit report access by various institutions). . This is the stage of greatest scrutiny. The information on your credit report is also increasing year by year. It is recommended that you check your personal credit report every two or three years to prevent surprises.

So, what credit report records will be rejected?

Situation 1: If a person applies for a card from more than 10 banks within 2 days, and these 10 banks all check the applicant's credit report, this will be left in the credit report Record, under normal circumstances, this is a high-risk group, and most card centers will reject it directly.

Scenario 2: If the credit report is bad, you will be eliminated directly.

Scenario 3: The applicant’s personal credit record is 0 (has never had a relationship with the bank. Note that basic personal information, social security information and other information are still available on the credit report. All of this information in the credit report is (more credible than similar information filled in forms). In addition to the basic information of the applicant, this also depends on the specific application time (the card center has different entry policies at different times), which bank to apply for, and what card to apply for. Different factors will cause The results are different.

The final third stage is phone verification. Generally, card center staff first dial the landline number and randomly dial other extension numbers to ask colleagues if they have this person. You may also contact the applicant directly, or the applicant’s family, etc. The card center staff will chat with the person who receives the call some specific questions based on the information filled in the form to verify whether it is true. The last two stages added together are called credit reporting.

Generally speaking, banks are not allowed to disclose the credit information of credit card applicants to the outside world, otherwise they may suffer from targeted disguised card application and increase unnecessary trouble at the card center. Moreover, the card center’s rejection policies and algorithms are also advancing with the times.

What does credit card approval mean? What is credit card approval?

Credit card approval means that after a customer applies for a credit card, the bank will conduct an approval process. During the approval process, the People's Bank of China's personal credit reporting system will check the application. A person’s personal credit record. The approval information displayed on the personal credit report indicates that the bank has checked the applicant's personal credit record when approving the credit card. The above is the relevant content about what credit card approval means.

Credit card approval steps

1. After the bank receives the customer data, it must first conduct an audit. The audit content includes: approval of identity documents, workplace certificates, salary confirmations, and application reports. Fill in the details carefully. If the valid documents are not enough, notify the customer to provide additional documents;

2. Go to credit card approval, use the ID card authentication system software to view and verify the authenticity of the customer’s ID document, and check the authenticity of the customer’s ID document after personal registration. Check whether the customer has a bad personal credit record in the credit system;

3. Telephone verification, call the customer and his or her unit to verify that the personal information and unit information are true and valid;

4. After passing all approvals, the card is allowed or rejected.

This article mainly writes about the knowledge points about what credit card approval means, and the content is for reference only. [img]

On what basis are Bank of China credit card applications reviewed?

Bank of China credit card approval rules:

Bank of China will determine whether you meet the card application conditions based on the personal financial certificate and comprehensive credit status you submitted when applying for a credit card. In the end, please submit the actual The approval result shall prevail.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

This concludes the introduction to credit card review and credit cards under review. Have you found the information you need?