How long does it take to apply for a China Merchants Bank credit card?
It usually takes about 15 working days to process a China Merchants Bank credit card, and it may take up to 30 working days. The approval process generally takes 1 to 15 working days. After the approval is completed, the card production step will proceed. Card production and card delivery generally also take 15 working days. Therefore, the approval time for bank credit cards is 15 working days to 30 days. working days.
How many days does it take for China Merchants Bank credit card review to be completed
1. It usually takes 10 working days from the time of new credit card application to completion of review. A text message will be sent when the issuance is completed (no review is required for card renewals and replacements upon expiration) ;
Credit card delivery: Newly issued or replacement cards usually take 2 working days to be sent to the billing address after the card is issued. Generally, registered mail/EMS is used, which takes about 3-15 days. If the card is not received in time or is returned, you can call the credit card hotline 5 for inquiry and processing.
2. If it is the first time to make an online banking appointment to apply for a China Merchants Bank credit card, the system will conduct a preliminary review based on the information you filled in. There will be two different situations after the review:
1. The CMB specialist will take 4 working days. We will contact you by phone within 30 days to make an appointment for a visit;
2. Send you an audit notification text message. You are required to present the text message and a valid ID card within 30 days to sign for confirmation at any branch of China Merchants Bank. Successfully, the card will be mailed to you and you will receive it about a week after it is sent.
3. Warm Tips
1. In the two cases, the system automatically assigns the system and cannot be selected. The final review result shall prevail.
2. If the interview time exceeds 30 days, you need to resubmit the application materials to the branch for processing. You can only apply once within 2 months of online banking appointment.
China Merchants Bank was established in Shekou, Shenzhen in 1987. It is the first joint-stock commercial bank in China that is completely owned by corporate legal persons. It is also the first pilot project of the country to promote banking industry reform from outside the system. bank.
China Merchants Bank’s development goal is to become China’s leading retail bank. The all-in-one bank card was launched in July 1995, and China's first online banking all-in-one was launched in September 1999. It has become a widely used online payment tool for many enterprises and e-commerce websites, and has promoted the development of e-commerce in China to a certain extent. On April 2, 2015, China Merchants Group Co., Ltd. planned a major event. In order to ensure fair information disclosure, protect the interests of investors, and avoid causing abnormal fluctuations in the company’s stock price, upon the company’s application, the company’s stocks will be open for trading on April 3, 2015. Trading suspension. In August 2016, China Merchants Bank ranked 39th among the "Top 500 Chinese Enterprises 2016".
Zhao Yue, the largest private bank in China, has changed his leadership and has taken over as the general manager of the private banking department of China Merchants Bank. The former general manager switched to a foreign bank.
How long does it take for China Merchants Bank’s credit card review?
It takes 10 to 15 working days for China Merchants Bank’s credit card review. If the applicant has good qualifications, it will take 10 working days to receive the approval information, while if the applicant has poor qualifications, it will take 15 working days.
Normally, after the China Merchants Bank Credit Card Center receives the application materials, it usually takes 10 working days to complete the review and approval. Naturally, if nothing unexpected happens, you will generally receive the card within 15 days of receiving the card notification text message.
Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also serve as applicants
Those who apply for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive 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 a guarantee to the bank.
The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.
The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.
After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed.
Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
How long does it take for a China Merchants Bank credit card to be reviewed
It usually takes 10 working days from the time the applicant's credit card application is received to the completion of the credit card review. After the credit card review is completed, the card will be printed and sent to the address specified by the applicant within 2 working days. China Merchants Bank generally uses registered mail or EMS to send credit cards, which usually takes 3 to 15 days.
Under normal circumstances, it will take at least 17 days for the applicant to receive the credit card from the time the applicant successfully submits the credit card application. Therefore, applicants need to wait patiently. During the credit card review and delivery period, applicants need to keep their mobile phones open. Failure to receive the card in time or returning the card will extend the time to obtain the card.
When China Merchants Bank approves the applicant's credit card application, it will send an approval SMS to the applicant. Applicants should not block SMS from China Merchants Bank.
Applicants can check the credit card application progress and mailing progress through China Merchants Bank mobile banking, online banking, mobile life, and WeChat banking.
Credit card review requires a comprehensive assessment by China Merchants Bank. There are many reference factors, including but not limited to age, job, income, education, financial resources, and the applicant’s card use and credit status in other banks. wait.
In order to reduce the time for applicants to obtain credit cards, applicants need to provide true, valid and complete personal information.
How many days does it take for a China Merchants Bank credit card to be reviewed, and how many days does it take for it to become useless?
The review time for China Merchants Bank’s credit card is about 3 to 7 days. If you haven't been carded for half a month, you're definitely out of luck. It means that your basic information is relatively complete. And that job of my own. Ability to repay and so on. All are better. The possibility of getting stuck is very high.
Supplementary information:
Credit cards are sent by registered credit express, and the delivery speed will vary in different regions.
1. If sent by registered mail, it will usually arrive in about 7-15 days;
2. If sent by EMS, it will arrive in 3 to 4 days nationwide, and 2 days in this province. Within 7 to 10 days abroad (countries that have signed a peace treaty with China).
3. The above is calculated from the time when the bank sends it, and does not include the time for card printing and so on.
Extended information:
1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will settle accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
2. Credit cards stipulated in the relevant laws of our country ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.
3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
4. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards where the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit cards A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.
5. Starting from January 1, 2021, credit card overdraft interest rates will be determined independently by card issuers and cardholders through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The lower limit is 0.7 times the daily interest rate of 0.5%). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases."
That’s it for the introduction of the few days of China Merchants Credit Card review.