The completion of the credit card review does not mean that it has been approved. Because when you apply for a credit card, you need to go through two stages: approval and approval. Audit refers to whether the personal data filled in the staff audit form is true, while approval refers to the evaluation of the staff around credit information and qualifications.

Only after the approval is completed can the card be approved.

Data expansion: credit card approval process

1. Step 1: Internal evaluation of the bank First, the bank will input the basic information of the applicant into the internal evaluation system for preliminary evaluation.

If you have done business with banks before, such as handling savings cards and credit cards, applying for loans, purchasing wealth management products, etc. Then the bank can know if you are a good customer of the bank. If it is a quality customer, the credit card is basically approved in seconds. If you want to be a high-quality customer of the bank, the most direct way is to deposit 500-65438+10,000 yuan directly, and the amount in the card is 30,000 yuan.

Step 2: Inquiring about personal credit card is actually a simple credit service. It can be said that applying for a credit card is no different from applying for a loan.

In order to reduce the bad rate of credit cards, according to the relevant (hard) regulations, banks must check the applicant's personal credit report.

It should be noted that in addition to overdue credit business, if there are too many credit inquiries, or the water and electricity bills are not paid on time, or there is a criminal record at the police station, it will affect the approval of credit cards. 3. Step 3: Personal comprehensive score.

Also called credit score, it is given by the credit scoring system of each bank, and the level of credit score will directly determine whether the bank will grant credit and the amount of credit. As we all know, the higher the credit score, the greater the probability that the cardholder will get the card, and the higher the credit limit, and the bank's credit score standard is strictly confidential.

4. Step 4: Credit card holdings When approving credit cards, banks will refer to the applicant's credit status.

At present, except for the four major banks and China Merchants Bank, other banks can "do cards with cards"