Unreleased generally means that the credit card has not been issued at the time of application. At this time, you need to wait patiently, and the bank may conduct an audit. Only after the approval, the card will be issued. If the audit fails, the bank will not issue credit cards at this time, that is, the credit card application failed.

First of all, the process of applying for a credit card

1, fill in the application form.

2. Give your information and various copies to the bank, such as a copy of your ID card and work certificate.

3. The bank sends it to the credit card center.

4, credit card center audit, business card printing, card issuance.

5. After getting the card, open the card and wait for the password letter.

Second, the credit card application conditions

1, applicant's age: the main card applicant must be over 18 years old, and the maximum age limit varies from bank to bank, for example, China Merchants Bank, China CITIC Bank and Shanghai Pudong Development Bank are 60 years old; Guangfa, Bank of Communications, Minsheng, Ping An and Huaxia are 65 years old; CCB is 70 years old. Supplementary card applicants can generally apply for 16 years old, among which China Merchants Bank and Agricultural Bank require 14 years old or above, while Minsheng and China Construction Bank can apply for 13 years old.

2. Personal economic strength: the applicant must have a stable job and legal income, and have certain repayment ability.

3. Credit: Personal credit is good, and there is no bad credit record, especially no credit card, loans overdue, cash withdrawal, etc. Of course, these are the most basic conditions. Even if you meet these conditions, you may not be able to pass the examination and approval 100%. In addition, some cards require special conditions, such as assets reaching a certain scale and so on.

Third, matters needing attention

1. Pay attention to the charging standard of credit card annual fee and the rules of annual fee exemption.

2. Pay attention to choose the bank that suits you to apply for a credit card. The cash withdrawal fee and cash installment fee of each bank's credit card are different, so it should be clear when handling;

You should apply for a suitable credit card according to your own needs. For example, credit cards such as MasterCard and VISA cannot be swiped on UnionPay POS machines. Generally, UnionPay single currency card or UnionPay dual currency card and other currencies are used in China.

4. Pay attention to the preferential rules and points rules of credit cards.