China Bank's credit card passed the first trial, and the second trial required an ID card and a bank card. According to relevant information, the credit card applied online must be activated at the bank counter with my ID card and credit card.
How long does it take to complete the second trial of agricultural credit card in about 15 days?
1. It usually takes about 22 days for Agricultural Bank to review credit cards. Generally, from the time the applicant submits the application form, the branch outlets will submit the information to the credit card audit department of the local branch in about one week, and the audit department needs to complete the audit in about 15 days.
2. Generally, it takes about 15 days to review ABC's credit card. The more complete the information you submit, the shorter the review time. It will take 1-2 days to make the card after the audit, and it will be mailed to you after the card is made. The mailing time is usually about 7 days.
3. Approval process: the applicant submits the application materials, and then the account manager reviews them (mainly checking whether the information in the form is complete, the credit status and the required documents are complete); Then the account manager will send it to the "Card Department of City Branch" for further review and then enter the card information; After the approval of the municipal branch, it will be sent to the Shanghai Agricultural Bank Credit Card Center for final approval; After the credit card center has passed the examination, it will determine the applicant's credit card limit and make a card, and then send it to the applicant by registered mail.
The second trial of Guangfa Credit Card was activated.
To apply for the credit card of Guangfa Bank, the first trial (trial) is to check the applicant's personal credit. If the customer service staff of Guangfa Bank finds that there is no problem with the applicant's credit record, then the credit card review will basically pass. At this time, Guangfa Bank will make a card and send it there. As for the second trial of Guangfa, it is mainly to confirm whether I apply for a card, and the bank teller needs to personally check the applicant's information. Usually, when the cardholder receives the credit card sent by Guangfa and is asked to activate the credit card and sign it at the counter of the bank outlet for confirmation, if the applicant's ID number changes or the household registration address changes (referring to the change of the city, the city doesn't matter), the second trial may be more stringent.
What does the second trial of Guangfa Credit Card mean?
The second trial of Guangfa Credit Card is the bank review materials.
After receiving the application materials, Guangfa Bank generally needs 5- 10 working days to review the materials. Customers can log in to find Wonderful APP or WeChat to check the application progress.
After the approval, Guangfa Bank will issue a card and send a short message to remind customers. It will arrive in about 7 days by surface mail and 3 days by express mail. If you haven't received the card after the normal time, you can check the card mailing progress by finding the wonderful APP progress query, or you can call 95508 for consultation.
Extended data
Materials submitted for applying for a credit card:
1, new card:
Customers who have not held the credit card of China Guangfa Bank or have cancelled the card for more than one year, please bring their ID card, work certificate or original and photocopy of financial certificate.
Step 2 add a card
At present, customers who hold the main credit card of Guangfa Bank carry their own identity certificates.
Step 3 handle the supplementary card
Supplementary cards need a credit card main application, with identification (the main cardholder and the supplementary card applicant) and the main card. A master card can apply for up to 4 supplementary cards.
Reference source: official website of China Guangfa Bank-Credit card application methods and conditions.
What does the first trial and second trial of credit card mean?
Refers to the two credit audits of the applicant by the issuing bank.
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.
Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
Extended data
According to the data of Internet Network Information Center, as of June 20 14, the number of online shopping users in China reached 332 million, ranking first in the world. Among them, 3 1.8% consumers with online shopping experience have experienced online++, with a scale of 6 1.69 million person-times.
In addition, Shanghai Banking Regulatory Bureau issued seven administrative penalty decisions on June 5438+065438+ 10, and imposed a total fine of 2.4 million yuan on seven commercial banks under its jurisdiction. The reason for the punishment is that these banks failed to verify the authenticity of the applicant's information according to law, over-granted credit, and failed to control abnormal transactions, resulting in the failure to protect the legitimate rights and interests of cardholders.
From the credit card risk data released by major banks in the third quarter, it is found that the wind direction indicators such as the new non-performing rate and the new loss rate of most banks continue to soar. The data shows that as of the end of the third quarter, the new NPL ratio in this industry was 1.47%, up by 0.06 percentage point from the second quarter.
Baidu encyclopedia-credit card
People's Network-Bank credit card risk control strategies are different.
What is the second audit of credit card? Don't you want to cancel?
Nowadays, many people apply for credit cards online, and some banks are very strict in auditing. After the first trial is passed, they will ask the applicant to sign it in person, and then pass the second audit before the card is successful. Some friends are not very clear about the second trial of credit cards. Some people will ask what is the main audit? If you don't receive the credit card, do you want to cancel it? Today, we will introduce it.
What is the second audit of credit card?
As we know, the preliminary examination of credit card is a process of reviewing the basic information and personal credit information of the applicant. Usually, the bank will call to verify the information, and after passing it, it will ask for a face-to-face signing, so that the applicant can go to the bank outlet to sign and confirm that the card has been processed, and submit relevant information, and then review the information. This is the second trial.
Simply put, it is the process that the bank staff confirms the identity of the applicant and personally checks the applicant's information, which is the key to deciding whether to approve the card. Some banks succeed in the second trial after face-to-face signing, but some banks still need the final review after face-to-face signing, and get the results as soon as possible, otherwise it will take 2~3 days.
It should be noted that if the applicant's ID number, household registration address, name, etc. It has been changed, and the second trial will be stricter, and the second trial may not be passed. Especially in Guangfa Bank, there are many people stuck in the second instance. It is suggested that the second trial should provide sufficient financial proof and bank flow, and the pass rate may be slightly higher.
Do I need to cancel my credit card if I fail the second trial?
Some banks will issue cards after passing the first trial, and they can activate the cards themselves after passing the second trial. However, if the second trial fails and the credit card application is rejected, the credit card already received will naturally be useless, because there is no need to cancel it if the application is unsuccessful.
However, for the sake of personal information security, it is best to cut the credit card directly to avoid personal information leakage caused by the loss of the card.
The introduction of the second trial of credit card and the appeal of the second trial of credit card come to an end. I wonder if you found the information you need from it?