Does frequent credit card progress checking have an impact on card issuance

No impact

Generally, credit card approval time does not exceed 20-25 working days at most.

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During the approval period, you can check the card approval progress through the bank's website, WeChat, mobile banking, online banking, and customer service hotline.

Do not check the approval progress frequently

To be precise, frequent checking of the approval progress has no impact on the credit card approval results. Users only check the approval progress through the bank's internal system, which is different from checking credit reports. If you check your credit report, a record will be retained in the credit report once you check it. However, if users check the approval progress through the bank's internal system, it will not be affected even if a record is left. Therefore, there is no saying not to check the approval progress frequently.

The approval speed of each bank is different. You don’t need to check the approval progress frequently. You can check it every few days.

1. Frequent inquiry progress will not affect the approval progress. Inquiry progress is after submitting the application. It shows the applicant's attention to the card and cannot explain other meanings.

2. What affects the approval progress is the quality of the information we submit, the customer's conditions and personal qualifications. After the application is submitted, frequent inquiries will have no impact

3. Applicants for applying for credit cards are divided into two types: units and individuals. The unit applying must be an institution with independent legal personality in my country, an enterprise, an institution, or an individual industrial and commercial household.

4. If an individual applies for a credit card, he must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. There are three forms of guarantee: personal guarantee, unit guarantee and personal fund guarantee.

5. The application method is to fill in the credit card application form. The content of the application form includes the applicant's name, basic information and economic status, first-level source of income, guarantor and basic information, etc.

1. Frequent query progress will not affect the batch card. Querying the progress is after submitting the application, indicating the applicant's interest in the card and does not indicate other meanings.

2. What affects the approval of the card is the quality of the submitted information, the customer’s conditions and qualifications. After submitting the application, these are all decided, and it does not matter whether the inquiry is frequent or not.

3. Applicants 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.

4. To apply for a credit card, an individual 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, organizational guarantee and personal financial guarantee

Will checking the credit card application progress online multiple times affect the application process?

If it is a credit card application from our bank, checking the card application progress will not affect the card's verification status;

Credit card review requires a comprehensive assessment by our bank, which mainly refers to many factors, such as Age, job stability, income, credit history, education, spending power, etc.

Does frequent checking of credit card application progress have any impact?

Frequent checking of credit card application progress has no impact on credit card application. When applying for a credit card, whether the bank issues a card depends on the materials submitted by the applicant. The big relationship is that the card will be issued only if the information submitted meets the bank's requirements, otherwise the bank will not issue the card.

When applying for a credit card, you must have a good credit report, submit proof of employment, and be able to repay the balance on time. If the user wants to get a credit card with a higher limit, he or she needs to submit more proof of financial resources, including provident fund, real estate information, social security, etc.

You can apply for a credit card through different channels. Generally, there are bank official websites and bank counters. You can get a credit card faster when you apply on the bank's official website. However, the credit limit may be lower when you apply on the bank's official website. However, the limit can be increased through continued use in the later period.

It usually takes about 20 working days to get a credit card, but the time to get a credit card in remote areas may be longer. After users get the credit card, they can activate it and use it. You can choose different ways when activating. Generally, the activation method is indicated on the mailed envelope.

Why not check the approval progress frequently?

Under normal circumstances, frequent inquiries about the approval progress will have no impact on the credit card approval results.

Users only check the approval progress through the bank's internal system, which is different from checking credit reports. The central bank stipulates that bank counters can check personal credit records for free twice a year, and will charge 25 yuan each time starting from the third time. You can also check on the Internet for free, but it is relatively troublesome and has delays. Both leave records.

Records of inquiries at the counters of commercial banks are listed in the report in detailed form, with time, subject, and operator. For Internet inquiries, the number of inquiries this year is marked at the end of the report. Personal credit reports have been inquired multiple times within a month, from various credit card issuing banks.

Extended information:

Inquiry and approval progress is introduced as follows:

More than 40 credit inquiries were made in a short period of time. Credit inquiries mainly include institutional inquiries, such as Credit card approval, loan approval, credit insurance review, guarantee qualification review, etc., can check so many, you can initially judge that the proportion of online loans applied for is more, otherwise you will apply for loans or credit cards multiple times.

Why would you continue to apply even if you don’t pay the money? Instead of looking for reasons, you blindly apply, resulting in too many credit inquiries. For example, economic income, repayment ability, willingness to repay, source of repayment, credit debt status, etc. If you do not meet these loan requirements, the platform will definitely not be able to make a loan.

Xinhuanet - Problems can be solved quickly through online reporting and the progress can be checked

People's Daily Online - Too many queries on personal credit reports affect loans

How to check the progress of Bank of China credit card application

You can check the progress of credit card application through Bank of China Credit Card WeChat official account, Colorful Life APP, customer service hotline and other channels. If there is no review result for a long time or the card is not received, It is recommended that you call the customer service hotline for inquiries.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

That’s it for the introduction to frequently checking credit card progress.