Why is the credit card being audited all the time

It is normal for a credit card to be audited, because the credit card application needs to go through a certain process. The credit card has been under examination and approval, which means that the credit card is still under examination and approval. Generally, the time from data submission to card release is one month, and the bank's audit is different according to different qualifications. If it is still under examination and approval for a long time, you can call the credit card center for details.

In general, the credit card processing process is as follows:

After the applicant submits the application materials, it takes 8 working days for the credit card to enter the examination, and the relevant processes are as follows:

1. As long as the application materials submitted are complete, it usually takes 8 working days to complete the examination after receiving your application materials from the examination department;

2. After approval, the card will be made for the customer within 2 working days;

3. Send it to the customer by registered mail according to the billing address. Generally, the sending time of registered mail is within 15 days.

So the whole process will take about 2 to 4 days, so you need to wait patiently, and there may be a phone call from the bank later. Please be patient and answer his questions. If there is no accident, the card can be issued after passing the examination. I wish you a credit card as soon as possible.

In the audit, it shows that the bank is now checking your information online. If there is no bad credit record and you have enough repayment ability, then there will be no problem. You just need to wait patiently for the bank to issue the card.

the first online application will take about 1 working days for approval. If the cardholder or agent has a verification screen, it will be reduced to about 5 days, and then go to the outlet to sign it in person. If you apply in mobile banking, the approval time is about 1-2 weeks. If you apply at an outlet, it usually takes about 2 days to get approval. If it keeps showing approval, you can also call the customer service staff.

card issuing: after the applicant successfully applies for a credit card, the card issuing bank will open a separate credit card account for the cardholder at the card issuing bank for shopping, consumption and settlement after cash withdrawal.

card opening: since the card is sent by post after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect the applicant and the bank from theft, the credit card has a card opening program before it is officially opened. Card opening is mainly through telephone or internet, etc., to check the relevant personal information provided at the time of application, and complete the card opening procedure after it meets the requirements. At this time, the applicant becomes the card holder, and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.

after accepting a credit card, a credit card merchant or bank should review the validity of the credit card and the identity of the cardholder.

it's been 1 days since the credit card of China construction bank was approved, and it's still under approval?

depending on your application method, the approval time of CCB credit card will be different:

1. If you apply through CCB outlets, the approval time will be 2-25 working days, which will take a little longer;

2. If you apply through the credit card website of CCB, and you choose the identity of "new customer" to apply for a card, and you don't verify the online banking shield, it will take 1 working days at the earliest.

3. If you apply for a card through mobile banking, it will take about 1-2 weeks.

4. If you apply for a card through WeChat, it will take 5 working days at the earliest.

It should be noted that the application through online channels, according to the different qualifications of the applicants, should be subject to the final approval results, which generally does not exceed 2-25 working days.

: 1. Can I receive the transfer if the identity card information of CCB is overdue for one year?

can't receive the transfer. If the ID card bound by CCB expires, then the user cannot receive the transfer money. If the user's ID card bound by CCB expires more than 9 days, CCB will stop the account transactions initiated by the customer, mainly including deposit, withdrawal, transfer, remittance, consumption, credit card transfer and so on. The controlled account will not be able to issue and enter funds. If the user's ID card bound by CCB has not expired for more than 9 days, it is not affected and can be received.

2. Can you still borrow money if you have a mortgage in CCB?

Lenders can still borrow money if they have a mortgage, because ordinary houses can be mortgaged for the second time. The second mortgage is more convenient than the first mortgage, and the bank will lend faster, but the interest rate is higher than the first mortgage. The requirements for the second mortgage are as follows:

1. The house used for the second mortgage must be an existing house and cannot be temporary;

2. The first mortgage registration of the property has been completed, and the handling bank is the mortgagee of the property;

3. The real estate license is held by the lender himself;

4. The balance of housing loan with secondary mortgage of the property is less than 7% of the current market house price valuation;

5. The borrower is a natural person with full capacity for civil conduct, stable income and good credit;

6. The property should be a high-quality house and commercial house with great market development potential. Although handling two mortgage has effectively increased the loan amount, it must be noted that the housing two mortgage should be operated with certain loanable space. That is to say, if the first loan amount only reaches 3% of the value of mortgage real estate assessment, choosing two mortgage will undoubtedly greatly increase the loan amount. Generally speaking, it is not so easy to apply for a bank loan. If the application fails, it may also affect the lender's credit record. Therefore, in order to obtain lower financing cost and handle large bank loans conveniently and quickly, lenders usually go to professional institutions for reasonable analysis, and then choose the appropriate financing method according to the analysis.

I have been working on the credit card of China Construction Bank for a month, but why is it still under review?

You can choose more services in the credit card menu by paying attention to CCB WeChat, WeChat official account China Construction Bank, and applying for progress inquiry;

You can also check the application progress on the credit card website of CCB to learn about the card approval.

the materials submitted by customers without cards at CCB outlets are complete and meet the conditions of CCB's credit card application. Generally, CCB will send the cards to the billing address filled in the application form within 2 working days from the date of receiving the submitted materials.

customers with existing cards apply for credit cards online through the website, and the approval is generally completed within 5 working days. You can check the card audit status through the credit card website or follow the WeChat self-service of China Construction Bank.

if you don't have a CCB credit card and don't have a CCB Internet shield, you will receive a face-to-face notification message in about 1 days. As long as you print the application form and complete the interview at any CCB outlet in the city where the billing address is located within 3 natural days with your SMS and ID card, the card will be sent out after 2 working days (except personalized cards).

if you already have a CCB credit card, it takes about 5 working days to apply for a new credit card online. The card will be mailed to the original billing address (it is invalid to modify the billing address during the application process).

Extended information

During the interest-free repayment period: the interest-free repayment period refers to the interest-free period for consumer transactions enjoyed by cardholders who repay in full on schedule. The interest-free period starts from the bank bookkeeping date to the repayment date, with a minimum of 2 days and a maximum of 5 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.

Tip:

If you don't repay in full before the due repayment date, you won't enjoy the interest-free period. The Construction Bank will charge interest at the daily rate of .5 ‰ and compound interest on a monthly basis. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated based on the actual amount payable.

if you fail to repay before the due repayment date or the repayment amount is less than the minimum repayment amount, CCB will charge interest as required, and will also charge a late fee of 5% of the unpaid part of the minimum repayment amount.