firstly, check the applicant's credit information, and then call the applicant for verification after the credit information is passed. After the preliminary review of the information and the credit information inquiry, Pudong Credit Card will generally issue the card in about two to three weeks after the application.

The basic process of credit card review:

1. Review the submitted materials: whether the photocopies of identity documents, original work certificates, original salary and income certificates and application forms are complete, and remind them to supplement if there are any deficiencies;

2. Enter the credit information stage: verify whether the customer identity information is consistent with the ID card information base, and query the personal credit information system;

3. Telephone verification: Call the applicant himself and his company to verify that his information and company information are true and reliable;

4. Pass the examination and send a credit card;

5. By default, the card is sent by registered mail. If you need to specify other express delivery, you need to contact the credit card center before issuing the card and make up the express delivery price difference;

6. If it fails, please inform by phone or SMS.

Precautions for credit card use:

1. Pay attention to two dates: billing date and repayment date

Generally, the repayment date is 2 or 25 days after the billing date, and the credit card is swiped one day after the billing date, with the longest interest-free period, and the credit card is swiped one day before the billing date, with the shortest interest-free period.

2. Protect the information on the credit card surface

The three key information on the credit card surface: card number, expiration date and CVV code, affect your card safety, especially the CVV code, which is as important as the password. It is recommended to cover the CVV code with correction fluid or sticker, and some people are even worse. Just scrape off the CVV code with a blade and keep those three numbers in mind.

3. swipe your card frequently to avoid the annual fee; Only when you repay the loan on time can you withdraw the amount

Generally, you can avoid the annual fee if you swipe your credit card for six times. Therefore, we must brush out the annual fee. In addition, we can increase the credit card limit by swiping more cards and frequently. At the same time, we can repay on time and maintain a good credit record, which is also a way to increase the credit limit. Moreover, it is also very convenient to pay without a card for mobile POS, which belongs to online consumption. Combined with daily offline consumption, multiple combinations are used.

4. Choose the repayment method that suits you best

In this information age, repayment methods are diversified, and it is not necessary to go to a bank outlet or an ATM to transfer money.

5. If the cash flow is not working properly, or the repayment is delayed due to something, you can call customer service to apply for an extension of repayment.

If your cash flow is not enough temporarily, or the repayment is delayed due to something, don't worry, call the bank customer service immediately and apply for an extension of repayment for one to three days.

6. What should I do if I am short of funds?

When applying for changing the billing date, I should pay attention to calculating the billing date and enjoy the longest interest-free period, so as to alleviate the pressure of financial shortage. However, this skill cannot be used every month. It is said that some banks can only apply for change once every six months, some banks can only apply for change once a year, and some banks can only change it once a lifetime!

7. Say no to all unreasonable charges

Anyone who has unreasonable charges on a credit card can call customer service and bargain with the customer service to apply for cancellation of unreasonable charges. If the customer service disagrees, they can insist on complaining to the end and generally win.

8. Use credit card installment with caution

The interest rate of credit card installment is very high, even if it is interest-free, the installment fee is not cheap, so use it with caution, and don't let the bank earn a dime! Of course, except for those who can't repay the credit card arrears on time under special circumstances, except those who want to increase the credit card limit as soon as possible.

(Operating environment: Apple 12, ios14, Shanghai Pudong Credit Card v7.1.)