It takes 10 to 15 working days for the credit card review of China Merchants Bank. If the applicant has good qualifications, it will take 10 working days to receive the approval information; if the applicant has poor qualifications, it will take 15 working days.
Under normal circumstances, it usually takes 10 working days for China Merchants Bank Credit Card Center to complete the approval after receiving the application materials. Naturally, if there is no accident, the card will be received within 15 days after receiving the card notification message.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
I would like to ask how long it takes for China Merchants Bank to handle credit cards.
Generally, it takes about 30 days to apply for China Merchants Bank credit card. After receiving the user's application materials, China Merchants Bank will enter the information into the system within two working days, and applicants can check their credit card information during the application process.
Complete the credit card review within ten working days. After the credit card is successfully approved, it will be made within two working days and then sent by registered mail. In about two weeks, the applicant will receive a credit card.
In 2002, China Merchants Bank realized the comprehensive and professional service of credit cards, and it was the pioneer of the credit card market in China. With credit cards, China Merchants Bank has created more than 100 kinds of new products and services, adhered to the mode of cross-industry cooperation, and successively cooperated with leading enterprises in different life fields such as department stores, tourism and sports consumption to provide cardholders with products and functional services in a dual sense. In September 2007, China Merchants Bank took the lead in putting forward the concept of "five-fold security" credit card service, which consolidated its leading brand position in the industry.