At present, China Everbright Bank has launched a DIY credit card instant self-service card issuing system, which takes only one minute from applying for a card to getting it, which can be said to be the fastest among banks.
The processing time of credit cards in other major banks is similar, generally about 15 working days. Of course, there may be special circumstances, such as bank delays or delays in mailing, which are all possible.
For example, if we want to apply for ICBC's credit card, we should first fill out an application form, which generally applies to Peony International Card, Peony Credit Card and Peony Credit Card. Applicants should also meet certain conditions, that is: at least 18 years of age, with full capacity for civil conduct; Individuals with fixed residence and stable income can apply to China Industrial and Commercial Bank for Peony Card. Only when the credit card processing conditions are met, the application form is filled out, and then the information needed by the bank is provided, can you have the right to wait for the bank.
For example, if you want to apply for a Guangfa Card, you can note that it needs to be processed urgently (if you want to collect money from 8 yuan, you will deduct it from the card if it is successful, but if it is unsuccessful, you will not be charged, and the card will be mailed to you by EMS after it is processed). When you apply for a card, you need to explain it to the business manager, and you should also note on the application materials yourself. In addition, the business manager will inform you if the application materials are complete, which is good. Generally, it is urgent.
note: if you want to apply for a credit card quickly, you must first meet the conditions for applying for a card yourself, and then you can mark "expedited processing" during the processing, so that you can apply for a credit card quickly. Which bank's credit card approval is easier and faster?
1. It is convenient and quick for China Merchants Bank in the five major banks to apply. Others, such as Bank of Communications, Agricultural Bank of China, Industrial and Commercial Bank of China and China Bank, seem to have to submit some materials.
2. General commercial banks such as CITIC and Guangfa are also faster, but there are few outlets, so it is more troublesome to repay without online banking. What bank's credit card withdrawal is better
(China Merchants Bank) The credit limit is not fixed, but will increase with the accumulation of your card consumption, repayment and card holding time. You can call the service hotline to increase the credit limit after 3 months, and we will apply to the relevant audit department for you according to your consumption index, repayment record and consumption habits. Or when your financial level has improved to some extent, you can also provide us with relevant certificates, and the audit department will evaluate your credit limit according to the materials attached to you. At the same time, you can also apply for a temporary line for urgent overhead calls. What bank has the fastest credit card approval
Hello! It usually takes about 2 working days for China Merchants Bank to apply for a credit card.
credit card application conditions of China merchants bank: the applicant should be 18-6 years old (foreigners are 25-6 years old), have certain economic ability and have a good credit record. Please refer to our actual audit for the credit card application results. Information: Copy of our credit card application and ID card (foreigner: passport and residence permit or employment permit; Taiwanese: Taiwanese certificate and employment certificate; People from Hong Kong and Macao: Home Visit Permit and Employment Permit/Residence Permit) and work certification documents issued by the unit.
In addition, it is helpful to improve the credit limit by providing the following information, such as: a copy of the running list of China Merchants Bank's savings account in the past three months; Original proof of asset balance of wealth management account opened by China Merchants Bank; Copy of real estate license (including my name)+copy of any water, electricity and coal invoice documents of the property in the past 3 months; Copy of my car driving license.
I suggest you go directly to the outlet. You can check the addresses, savings phone numbers and business hours of various business outlets through our website. Method: Please log on to the credit card website:. cmbchina./, click on "service outlets" in the upper right corner, and select the city you need to inquire in the drop-down box. Which banks have faster credit card withdrawals
Merchants
Which banks have faster credit card applications
: China Merchants Bank should be the easiest bank to handle. Conditions: If you have a bachelor's degree, work certificate and income certificate, just bring a copy.
It is also ok if you have a deposit of more than 1, yuan in China Merchants Bank for three months.
a salary certificate of more than three months will do. .
2: Bank of Communications
Conditions: You have a formal job and a stable income, as long as the company pays you comprehensive insurance and other insurances.
Just submit your business card to the bank clerk. ...
Shanghai Everbright Bank
Conditions: China Everbright Bank also wants to check your comprehensive insurance, so you have a great chance of passing the examination after paying the insurance.
China Agriculture, China Industry and Commerce and the other two state-owned banks are more troublesome. More proof materials are needed. .
you are not required to issue a real estate license, or a vehicle finance certificate, as well as a work certificate and an income certificate. You must also have a financial certificate.
other banks should have similar conditions, as long as you have sufficient proof materials to fully prove your spending power and repayment ability.
Banks want to make money, and of course they want you to pay back the money in time. So your income proof materials must be sufficient! ! !
(1) Good credit card application of Guangfa Bank
Individuals with full capacity for civil conduct, legal and stable income sources and good credit standing can apply for personal cards from card issuers with their valid identity documents and relevant materials.
Documents to be submitted for the credit card application of Guangfa Bank
1. Identification documents: copy of resident ID card or military officer's card; Compatriots from Hong Kong and Macao shall provide copies of travel permits to and from the Mainland and residence certificates for more than one year; Foreigners can provide a copy of passport and residence permit for more than one year.
2. Proof of work and income: proof of salary and copy of social security (paid for more than half a year).
3. Supporting materials for the credit card application of Guangfa Bank: education background, professional title, professional qualification certificate, self-owned real estate license, self-owned car driving license, original documents of telephone, water, electricity and gas charges in the last three months of the current residence, etc.
(2) Good credit card application for Bank of Communications
Credit card application conditions for Bank of Communications
China citizens with full capacity for civil conduct, legally stable income, foreigners with the right of abode in China and compatriots from Hong Kong, Macao and Taiwan can apply for Bank of Communications credit cards.
application conditions for different types of credit cards of Bank of Communications
1. New cards: customers who have never owned the main credit card of Bank of Communications or have cancelled their cards for more than half a year. Customers who apply for a card online must be customers who have second-generation identity documents and have never owned the Bank of Communications credit card master card
2. Add a card: customers who currently own the Bank of Communications credit card master card
3. Use a card to apply for a card: customers who have owned the credit card master cards of other domestic banks and have held the card for more than half a year
4. Apply for a supplementary card: at least 16 years old. Parents, children, spouses or other lineal relatives with the cardholder of the main card (3 supplementary cards are required for each main card, and no supplementary cards can be applied for under the main card of youth card, official card and BOSS card)
(3) Credit card application of China Merchants Bank is good
Conditions: the applicant should be 18-6 years old (foreigners are 25-6 years old), have certain economic ability and have a good credit record. Please refer to our actual audit for the credit card application results.
information: copies of our credit card application and ID card (foreigners: passport and residence permit or employment permit; Taiwanese: Taiwanese certificate and employment certificate; People from Hong Kong and Macao: Home Visit Permit and Employment Permit/Residence Permit) and work certification documents issued by the unit.
In addition, it is helpful to improve the credit limit by providing the following information, such as: a copy of the running list of China Merchants Bank's savings account in the past three months; Original proof of asset balance of wealth management account opened by China Merchants Bank; Copy of real estate license (including my name)+copy of any water, electricity and coal invoice documents of the property in the past 3 months; Copy of my car driving license.
The fastest time for Bank of Communications to issue a card is about 5 days, and Pudong Development Bank, Guangfa Bank and CITIC Bank are also quite fast. It takes about 1 days from the application to the receipt of the card, and CCB takes about 15 days. China is the slowest in terms of industrial and commercial safety and people's livelihood, which is almost one month.
In fact, the speed of credit card application is almost the same, and it usually takes about 15 to 2 days.
Relatively speaking, the speed of domestic commercial banks is faster than that of the four major state-owned banks. I suggest that you apply for Guangfa, CITIC and Ping An, and the processing speed is relatively fast.
In fact, the processing time of credit cards in major banks is almost the same, usually about 15 working days. Of course, there may be special circumstances, such as bank delays or delays in mailing, which are all possible. Let's compare the ICBC credit card to explain which credit card is the fastest.
If we want to apply for ICBC's credit card, we should first fill out an application form. Generally, the application form applies to Peony International Card, Peony Credit Card and Peony Credit Card. Applicants should also meet certain conditions, that is: at least 18 years of age, with full capacity for civil conduct; Individuals with fixed residence and stable income can apply to China Industrial and Commercial Bank for Peony Card.
Only when the credit card processing conditions are met, the application form is filled out, and then the information needed by the bank is provided, can you have the right to wait for the card issuance notice from the bank.
China Everbright Bank has launched an instant self-service card issuing system. Compared with other credit card application methods, Everbright DIY credit card instant self-service card issuing system has set a precedent for credit card issuing service conveniently and quickly with an average time limit of 6 seconds.