How long does it take for a credit card (debit card) to be approved before I can apply again?

The longer the interval between re-applying for a credit card (debit card) that fails the review, the better. If you are eager to use the card, you need to follow the following time standards:

1. Good personal credit: you can immediately If you apply for a credit card (credit card) from another bank or a different type of credit card (credit card) from a peer, there is no limit on the time for re-application. It is best to apply for the same type of card from a peer within 3-5 days;

2. If there is a problem with your personal credit: It is best to improve your personal credit before applying. The interval is preferably more than 3 months. If there is a stain on your personal credit, you must improve your credit before applying again after at least 2 years.

If the credit card (debit card) fails the review, it is not recommended to blindly reapply for the card within a short period of time, otherwise it is easy to fall into a cycle of repeated applications and rejections.

How many days does it usually take for a credit card to be reviewed?

1. Different banks have different credit card review times, generally around 5-15 days. If you apply through the counter, it usually takes 10 working days from the time the review department receives the application materials to the time the credit card review is completed. After submitting the application directly online, it usually takes about 5 working days for review. The specific review time is subject to actual conditions.

2. If you want to know the credit card review time, you can call the bank’s customer service hotline for consultation, or go directly to the branch for consultation. Generally, if you do not receive the review message in about 15 days, you need to check it yourself. It is too long. Maybe it was rejected.

For more information about how many days a credit card is generally reviewed, go to: View more content

How many days are notified when a credit card is unsuccessful

If you say that applying for a credit card is delayed If you refuse, you will receive a text message notification from the bank almost immediately. After the user submits the application materials, the bank enters the review stage. This stage usually takes about 15-30 working days. Therefore, as long as the application is rejected, a text message will be sent to the user after the review. The notification time will basically be the same as the time of the application. The result is about the same time.

Credit card repayment methods

The methods within the card issuing bank include: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

WeiBank POS mobile phone and WeiBank Tong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services. Instant payment!

Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.

Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.

The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Use "Repayment Tong" to make repayments, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.

How long does it take to apply for approval again after failing the credit card review?

Many novices who want to enter the card industry have consulted, but the first time they applied for a credit card bank, they failed. What to do next? How long will it take for you to apply again if your credit card is not approved? And what are the chances that your re-apply will be approved?

For credit card novices, applying for a credit card for the first time requires a lot of preparation work. If the preparation work is not sufficient, it can easily lead to the failure of the credit card application. So, how long does it take to apply again if the credit card is not approved?

Generally speaking, if the credit card review fails and you apply again, the time required by major banks is usually 3 months. However, according to many experienced cardholders, re-application after 3 months will be approved. The probability is only 10%, and the actual situation of each major bank shall prevail.

Strategies for improving the approval of re-application:

1. First consult the reasons for the failure of the last review

This is very important, consult the bank work personnel to prescribe the right medicine. It is possible that the basic information you applied for last time was incomplete, or the person who reserved the phone number could not be contacted during the review. If it is for these reasons, then complete the information and pay attention to answer the phone, and the next application will generally be approved.

2. You can apply for a credit card from another bank first

This is about how long it takes to apply again after failing the credit card review. In the credit card section, just click

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This is the end of the introduction of how long it takes to fail the credit card review.