It's not a lie. At present, there are roughly two types of credit card processing: first, bank outlets need to bring ID cards, proof of work income or proof of assets when processing; second, cards are processed online, and applications are made through mobile banking, online banking, official bank WeChat and official website. China Merchants Bank calls you to apply for a credit card on its own initiative, which is generally not a lie. It means that your personal credit is good, and the bank will call you to get a credit card. It is not a lie for China Merchants Bank to take the initiative to call you to apply for a credit card. He judges whether you are qualified to apply for a credit card through various channels. Then invite you to apply for a credit card. But whether you can handle the credit card depends on whether your final data review can pass. If your data review fails, the credit card can't be handled either. The possibility of fraud is not ruled out, but most of them should be done by salesmen who sell credit cards. It is best not to believe these. It is more reliable to apply for a credit card or go to the bank counter for consultation. If you have a savings card and use it normally, there may be such an invitation. If not, most people cheat, and a few people just call to try their luck. Anyway, it is better to apply directly online or at the outlets. There are few people now. Fraud from credit card processing. Usually the person who can call you is either. The original people of China Merchants Bank are either from their credit card center. Because they all have the task of handling cards. If the bank sends you a text message saying that after the approval, it will basically mail it to you within a week.

The process of credit card approval is as follows:

Submit the information to the credit card salesman or submit it to the network,

After the bank receives it, it will be reviewed,

It will call your mobile phone and the company landline.

the audit results will be available in 1-2 days after the call, but I don't know the amount, and you won't know until the amount is stuck in your hand.

the bank will mail the result to you after it is approved, and the mailing time is usually within 7 working days.