After the bank credit card center receives the application materials, it usually takes 7- 15 working days to complete the approval (the approval time varies from bank to bank). After the approval, a card will be sent by SMS or email to remind the customer. Generally, the card can be received within 15 days after receiving the card delivery notice.
Credit cards are usually sent by registered mail. If you need to send the card by courier, you should call the credit card service hotline.
Credit card application review needs comprehensive evaluation of bank credit information system, and there are many reference factors, such as age, job stability, income, credit information records and so on.
If the applicant's work or financial information changes, he can generally resubmit the information after 3-6 months.
Extended data
According to the existing credit card application process, users only know how much credit they have when they are approved to get a credit card, so it is generally reflected that they have no confidence when applying for a credit card. Recently, China Bank Hubei Branch launched a credit card application process based on big data innovation, so that customers can know in advance the amount they can be approved.
Recently, Hubei Branch of Bank of China launched the system of "Pager Pre-credit Card" in its jurisdiction. Relying on big data analysis, the system integrates the information of customers who have handled investment and wealth management, payroll, pension and mortgage loans in banks, forms a "white list" for credit line approval, and provides pre-credit lines for customers who enter the "white list".
Customers who meet the above conditions can know how many credit cards they can apply for by swiping the savings card or ID card of BOC on the pager when handling business at BOC outlets. If interested, these customers only need to provide a copy of their ID cards and the receipt of the pager to apply, and do not need to supplement other financial documents.
This new function is affectionately called "transparent quota" by users. Li Xiaojun, a citizen, applied for a credit card like this: "In the past, no one could say how much money a credit card could approve, but now it is much more reliable."
It is understood that the pre-credit line should also be adjusted according to the personal credit status. The person in charge of credit card approval of Hubei Branch of Bank of China pointed out that the pre-credit line indicated in the pager is mainly based on the applicant's business big data in China Bank. The final credit line should also check the latest personal credit status of the applicant online, so as to give the final credit line.
At present, the system is still in the initial pilot stage, and China Bank Hubei Branch has provided a "transparent quota" for 800,000 residents in the province. Three days after the pilot, more than 200 customers in the province have tried it in advance.
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Bank of China-Credit Card Application Process