Why can credit cards now be approved in seconds? Such nonsense.

Why can credit cards now be approved in seconds? Such nonsense.

Second approval is an exaggeration, describing that the approval is faster. It usually occurs when applying for a card through CCB’s online channels. The specific time may be a few minutes or a few hours. This is a rare occurrence. In most cases, it still takes some time for approval

In most cases, the approval time for CCB credit cards will vary slightly depending on the application method.

First, go through CCB If you fill out the form at an outlet and apply, the approval time will be 20-25 working days

Second, apply through the credit card website and choose the "new customer" identity to apply for the card. If the online banking shield has not been verified, the fastest It takes 10 working days for approval.

Third, apply for a card through mobile banking. The approval time is about 1-2 weeks.

Fourth, apply for a card through WeChat. Approval can be completed in less than 5 working days

It should be noted that when applying online, the approval time will be subject to the final approval result based on the applicant's qualifications, but it will not exceed 20-25 working days in total.

Why are today’s credit cards so easy to apply for?

If you meet the application requirements for a China Merchants Bank credit card, you can try to apply. The most important requirements for applying for a China Merchants Bank credit card are that you are between 18 and 60 years old (25 to 60 years old for foreigners), have certain financial capabilities and have a good credit record. The credit card application result shall be subject to our bank's actual audit. The necessary application files are a copy of your identity certificate and employment certificate. If you can provide other financial proof files, it will be more helpful for us to understand your personal situation and determine your credit limit.

If you are interested in a CMB credit card and have never held a credit card from our bank, you can apply in the following 4 ways:

1. Please log in to the credit card website and select "Apply" "Credit Card" - "New Customer Application";

2. Please bring your original identity certificate, employment certificate and financial certificate files and go to any branch of China Merchants Bank to apply in person;

3. You can also call the customer service hotline, select "3#" in the voice message to apply for credit card consultation, and then select "1" to transfer the service specialist to register for you and notify our local staff to contact you to confirm the application.

4. If you have applied for the professional version of our bank’s online banking, you can apply through the professional version.

Remind you that the credit card status will be subject to the final audit result.

Which banks’ credit cards can be approved in seconds

There are no credit cards that can be approved in seconds. Generally speaking, applying for a credit card takes as little as a week to as long as several months. The processing time varies from bank to bank, or other minor issues may affect the card application time. . Bank of Communications Credit Card: When applying for a Bank of Communications credit card, the card will be approved within 7-10 working days after receiving the completed application form and complete supporting documents required for card application. If the application is approved, the card letter will be mailed by registered mail, which can usually be received 10 days after it is sent. The Bank of Communications will notify you by SMS after the card is sent; if the application information provided does not meet the requirements of the Bank of Communications for the time being, For card issuance requirements, Bank of Communications will also notify you of the audit results via text message or letter. ICBC Credit Card: Under normal circumstances, ICBC will receive a card issuance notice from ICBC 15 working days after the applicant submits the application materials; if no card issuance notice is received from the bank after 20 working days (inclusive), the application will be regarded as this time. The application is invalid and the submitted information will not be returned by ICBC. China Merchants Bank Credit Card: After submitting the application information for China Merchants Bank Credit Card, it usually takes 5 to 8 days to see that your information has been entered in the progress query. However, if it is mailed to the card center, it may take longer. ; After the date of entry, the results will usually be available within 7 to 15 working days. During this period, if the credit card can be successfully approved, a text message will be sent to the mobile phone number you left. It will take about 7 to 10 days after the card is approved to receive the new card mailed to the billing address by registered mail from China Merchants Bank.

If everything goes well, you will get the card 22 days after submitting the application.

Requirements for applying for a credit card:

Age 18 years or above;

Requires second-generation ID card;

Having proof of employment and Proof of income stamped with the financial seal of the unit;

No bad credit record;

Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.

Credit card application process:

Fill in the application form;

Give the bank personal information and photocopy of the information;

Send it to the bank To the credit card center;

The credit card center will audit, print and issue the card;

After I get the card, I will open it and wait for the password letter.

Why can Yinxinjia credit card be approved in seconds?

The audit speed of each bank is different. Some are very fast and approve and reject in seconds, such as Shanghai Pudong Development Bank; some audits are very slow, such as ICBC. Sometimes the audit may take a month; specific audit results It should be combined with your own qualifications and the bank's current policies. The most important thing is qualifications

Why was my CCB credit card approved instantly without a credit check?

The real estate certificate is a powerful proof of your personal financial resources. Currently, it is like the real estate certificate, car driving license, large time deposit, etc., which are helpful for the success rate of card application and credit limit audit. Especially if you already have a credit card from another bank, your daily card usage and repayment status are audit criteria, which will be helpful for applying for credit cards from other banks.

Why is it so easy to get a credit card now?

A credit card is essentially a flexible loan.

Banks also aim to make profits.

Once the cardholder does not have enough funds on hand to repay on time,

Some handling fees or installment fees will be incurred, and the bank will make a profit.

So as long as the applicant's credit meets the standards,

the credit card will be applied for.

Which banks’ credit cards can be approved instantly without credit reporting?

The most important conditions for applying for a China Merchants Bank credit card are that you are between 18 and 60 years old (25 to 60 years old for foreigners) and have a certain financial background. Ability and good credit history. The credit card application result shall be subject to our bank's actual audit. The necessary application files are a copy of your identity certificate and employment certificate. If you can provide other financial proof files, it will be more helpful for us to understand your personal situation and determine your credit limit. If you meet the application conditions for a China Merchants Bank credit card, you can try to apply for a China Merchants Bank credit card through the following methods: 1. Online application: Please open the official credit card website of our bank, select the horizontal menu "Apply for Credit Card" - "New Customer Application", and select your favorite After installing the card, follow the prompts; 2. Please bring your original identity certificate, work certificate and financial certificate files to any branch of China Merchants Bank for processing in person. 3. You can add "China Merchants Bank Credit Card Center" as a friend through WeChat and click "I want to apply for a card" to apply. 4. Call our credit card customer service hotline, select "3#" in the voice message to apply for credit card consultation, then select "1" to transfer the service specialist to register for you, and notify our local staff to contact you to confirm the application. The credit card application result shall be subject to our bank's actual audit.

Why is it so difficult to apply for a credit card now?

The credit card limit I applied for a few days ago was only 10,000. If you really can’t figure out the reason, go check your credit record

Why can’t you apply for a credit card because you haven’t paid back the current credit card?

After the credit card expires, you will have bad records. If the bank can check it, it will refuse to apply for the card

The reason why Guangfa Credit Card is approved in seconds

Tips to apply for Guangfa Credit Card to get approval in seconds

1. Complete Fill out the application form

The more complete the information, the higher the bank's trustworthiness in you and the easier it will be to issue the card.

2. Choose a channel that is easy to apply for the card

It is easier to apply online or apply with a credit card salesperson. Applying for a credit card online is convenient and fast, and the application speed is nearly twice as fast as that at the counter.

Not only is it faster to apply for a card with a credit card salesperson, but you can also activate it directly on your mobile phone after getting the card, without having to go to a branch.

3. Apply with a credit card

You can use the credit card from another bank that you already hold as proof to apply for a Guangfa Bank credit card. This will speed up the approval process and the credit limit will be higher than what you already have. The card is high. Note that it is best if the existing card is used for more than 1 year.

4. The credit record must be good

A good credit record will make it no longer a dream to get your credit card approved instantly. No past due or other negative credit history within two years.

How to add points by filling out the form

Marital status: Married with children will score the highest because they are relatively stable.

Education: Bonus points will be given for higher education, at least a bachelor’s degree or above.

Residential status: self-purchased with no loan, extra points. It shows that the financial strength is good and there is no burden.

Personal annual income: The more, the better, but don’t over-exaggerate.

Time of residence at current address: The more detailed the better, fill in the street and house number.

Working time in current unit: at least 1 year, the longer the better.

Occupation and industry types: public institutions, state-owned enterprises, top 500 companies, and well-known companies are the best.

Mailing address: It is best to choose the work address, which can get extra points.

If you have no special requirements for the card type, in order to increase the success rate, you can try to apply for a Guangfa Bank co-branded card. Because the purchase rate of co-branded cards is slightly higher than that of other types of cards.

What does credit card (debit card) instant approval mean?

Credit card (credit card) approval in seconds means that after the user submits the credit card (debit card) application information online, he immediately receives a text message that the approval has been approved. This is called credit card (credit card) approval in seconds. batch. Generally speaking, it is easier for people with good credit qualifications, high-quality customers of the bank, new credit cards (debit cards) and new cards to be launched and promoted, etc., to have such quick results.

After the credit card (debit card) is approved in seconds, the bank will soon enter the card production stage. After the card production is completed, the user will receive the card in about 7 days.

Applying for a credit card (debit card) is "approved in seconds", making it easy for you from now on

Applying for a credit card (debit card) is a very "technical" matter, everyone When applying for a card, there is actually not much difference in demand. The purpose is all for consumption. However, when applying for a card, some people will receive a notification of card approval soon after submitting the application materials. You will have to wait for a few days. Why can others achieve "second batch batching"? What is the reason? I will reveal the secret to you today.

Reason 1. Banks

First of all, in the choice of banks, there are differences in the thresholds of various banks. Try to choose a bank with a low threshold. A low threshold is not good for card applicants. The requirements will be very low, it will be easier to pass the review, the card will be approved faster, and it is not a dream to increase the limit.

Reason 2. Card type

In my opinion, when choosing a card type, try to apply for a free card. The free card is a card that banks have recently relaxed their application requirements, and the threshold is low. As long as there are no major problems with your credit report, it is very easy to get it done, and it is easy to get it approved in seconds.

Try to avoid choosing high-end cards. Although high-end cards are the cards that everyone aspires to, if you are a novice, you should choose some low-end cards to slowly develop, such as game cards, travel cards, etc. Some theme cards.

There are many co-branded credit cards (credit cards) on the market, such as the credit card (credit card) co-branded by Shanghai Pudong Development Bank and Luckin Coffee, the credit card (credit card) co-branded by Shanghai Bank and Meituan etc. This type of co-branded card is also very easy to get approved.

Reason 3: Recommend applying for a card

Most banks will have activities similar to recommending applying for a card and getting gifts. Find friends around you who have credit cards (debit cards) and ask them to The link to apply for the card is pushed to you, and through the link, your friends can also get benefits, which is a win-win situation.

Reason four: apply for a card with a card

This method of applying for a card with a card is not suitable for users who do not have a credit card (debit card). You can also understand from the text that using a card When it comes to applying for a card, of course you can’t do it if you don’t have a credit card (debit card) in your hand.

This method, because you already have a credit card (debit card) in a certain bank, the bank will be very convenient during the review. As long as your credit report is good and there are no overdue debts, the pass rate will be It will be very high, and "batch in seconds" is also a piece of cake.

Reason 5. Packaging materials

Packaging materials are actually improved on the personal information you apply for a credit card (credit card). There is only one reason for the improvement, in order to "second "Batch"! I would like to remind everyone that packaging should also be careful and not over-packaging. After all, we cannot treat the bank as a fool. The bank will review it. Over-packaging can only be counterproductive.

Generally, packaging is carried out in the income information, academic information, housing information, and unit information. The changes should not be too big, because the bank will conduct a phone call to verify your information.

I will answer this question for you here. If you have other questions, you can follow me! I'm here to answer your questions.

That’s it for the introduction of why credit cards are approved in seconds.