When will I get the Bank of China credit card after my application is approved?

Depending on your application channel, the review time will vary. The normal review time for branch applications is about 10 working days, and the normal review time for online applications is about 1-11 working days. The Bank of China credit card will be mailed to your mailing address registered with Bank of China by express delivery. The mailing time will be approximately 3-5 working days. If there is no review result for a long time or you do not receive the card, it is recommended that you call the customer service hotline to inquire.

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.

If the Shanghai Pudong Development Bank credit card information shows that the application has been approved, does it mean that the review has been successful?

Yes, if it shows that the application has been approved, it means that the review has been passed. Just wait and see.

If the credit card application is successful, you can usually get the card within 15 days.

1. Generally, after the card applicant submits the application information, the staff will review it. After passing the review, it will take 3 to 5 days to produce the card. After the card is produced successfully, the card production center of the head office will be responsible. send by post. The mailing time is determined based on the distance between the applicant and the production center of the head office. Generally, it will be sent to the applicant's address within 7 to 10 days. The bank will also send you the tracking number when mailing. Applicants can log on to the official postal website at any time to check the mailing progress.

2. Generally speaking, the time it takes to apply for credit cards from different banks will be slightly different, which is mainly affected by the bank’s work efficiency and the qualification application certificate submitted by the applicant. The specific credit card can be obtained The time cannot yet be determined precisely. If the whole process goes smoothly, you will receive the card in about 15 days. If not, it will take about a month to receive the card.

1. There are three ways to apply for a credit card:

1. Go to the bank counter to apply for a credit card. Applying for a credit card at the bank counter requires a lot of information, but if you can provide proof of assets such as cars, real estate, bank card statements, etc., the credit limit will be higher.

2. Apply for a credit card online. Applying for a credit card online is the most common method. You can apply anytime and anywhere, the materials are simple, and the approval is fast. Finding someone with good credit and a high credit limit to recommend you to apply for a card can also increase your chances of approval.

3. Apply for a credit card through the salesperson. The advantage of asking a salesperson to apply for a credit card is that they will try their best to help you apply for the card, because whether to apply for the card is also related to their own commission. If you go to a salesperson to apply for a card, you will get some help in preparing information and answering questions for return visits.

2. The process of applying for a credit card is as follows:

1. First, you need to meet the application conditions: 18-60 years old (some credit cards will relax the age limit to 65 years old, etc.) in China Citizens, with full capacity for civil conduct, good credit status, certain financial resources and stable residence, etc. Please refer to the regulations of the card-issuing bank for specific application requirements.

2. Then apply: There are many channels to apply for a credit card, such as various bank branches, official websites of various banks, mobile APPs of various banks, etc. Applicants can just follow the steps prompted on the page. . For example: Application steps on the official website of China Construction Bank: Open the official website of China Construction Bank - Credit Card - Credit Card Application - Select Card - Fill in the Information - Read the Agreement - Confirm Signature - Submit Application.

3. Re-examination: After the applicant submits the information, the card-issuing bank will review the applicant's information. The content of the review includes whether the information filled in by the applicant is true and the creditworthiness of the applicant's unit. Assessment etc.

4. Then to the card issuance: After the review is passed, the card issuer will open a separate credit card account for the applicant at the card-issuing bank. Usually, offline applications can be collected at the bank counter, and online applications are usually by mail. Send to the applicant's shipping address.

5. Final card opening: Card opening is mainly done by phone or online. After checking the relevant personal information provided during the application, the card will be opened successfully. After signing on the back of the card, you can officially start using it.

(Operating environment: browser computer: macbookpromos14 opens Google version 92.0.4515.131)

Credit card approval process

1. Step 1: Bank internal evaluation

First, the bank will enter the applicant’s basic information into the internal evaluation system and conduct a preliminary evaluation.

If you have had business dealings with the bank before, such as applying for a debit card and credit card, applying for a loan, purchasing financial products, etc., then the bank will be able to know whether you are a high-quality customer of the bank. client.

If you are a high-quality customer, your credit card will basically be approved in seconds. If you want to become a high-quality customer of the bank, the most direct way is to directly deposit 50,000 to 100,000 yuan on a regular basis, and the card limit is 30,000 yuan guaranteed.

2. Step 2: Check personal credit report

A credit card is actually a simple credit service. It can be said that there is no difference between applying for a credit card and applying for a loan.

In order to reduce the non-performing rate of credit cards, according to relevant (hard) regulations, banks must query the applicant's personal credit report.

It should be noted that in addition to overdue credit business, if there are too many credit inquiries, or utility bills are not paid on time, or there is a criminal record at the police station, the credit card will be affected. of approval.

3. Step 3: Personal comprehensive score

Also called credit score, it is given by the credit scoring system of each bank. The level of credit score will directly determine whether the bank Grant of credit and the amount of credit granted.

As we all know, the higher the credit score, the greater the chance that the cardholder will apply for the card, and the higher the credit limit obtained, and the credit score standards of each bank are strictly confidential.

4. Step 4: Credit card holding status

The bank will refer to the applicant's credit status when approving a credit card.

Currently, except for the four major banks and China Merchants Bank, all other banks can apply for a card.

In addition, if the number of credit cards exceeds 5, it will be difficult to apply for a CCB card unless you have very good qualifications. The CCB salesperson also said that you can apply for a CCB card.

Extended information

Whether you go to the bank to apply for a credit card or a loan, bank statements are a very good reference standard. If you have funds and it is difficult to apply for a credit card, 99% of banks will call and invite you to apply for a credit card. Remember the following precautions:

1. If you deposit money and withdraw it on the same day, no matter how big or small your amount is, it will be invalid.

2. Deposit a sum of funds. The larger the amount, the better. It is not good if you deposit money on the same day and withdraw it the next day, it will also be considered invalid.

3. From depositing money to withdrawing money, it is best to plan this process for a long time.

4. When the first fund is almost withdrawn, deposit the second fund. Keep your account with a balance at all times. It's best not to take it clean before saving it, as the effect will be greatly reduced.

5. Follow the operation method in Article 4, keep money in your account every day, and keep funds coming in and out. Especially towards the end of the month, the end of the quarter, and the end of the year, it is best to keep the amount of funds in your account large.

6. According to the above 5 points, accumulate personal turnover from the beginning and maintain it for more than 6 months, which will be a perfect personal turnover account.

7. The larger the amount of funds, the better. It is best to achieve a monthly turnover of more than 1 million. While maintaining the flow of funds in and out, make sure there is always a balance in the account. There is always a balance in your account, which means you have a certain amount of accumulated funds in this bank.

Reference material: People's Daily Online - Bank card approval for large-amount credit cards

That's it for the introduction to credit card approval.