Passing the preliminary review means passing the conditions for card approval; apply for a credit card online, and after passing the preliminary review, bring the original second-generation valid ID card (temporary ID card, household registration book, household registration certificate, etc. are not accepted) to the designated The outlet confirms the card activation and it can be used after success.

Preliminary review refers to: the bank applies to the People's Bank of China Credit Center to inquire about the applicant's credit record. The number of inquiries and inquiry information of xx bank and xx loan institution displayed on the credit report are the institutional inquiry vouchers for each time the applicant applies for a loan or credit card business. Determine whether the applicant's past credit report meets the conditions for card approval.

Extended information:

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applicant must be evaluated, and the relevant circumstances of the guarantor must be reviewed for individuals.

The bank will examine the application based on the application materials. Various information and financial situation of the person are used to determine whether to issue a credit card to the applicant. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand.

The standards of each card issuing bank are also different. Therefore, the same material may be issued with different credit limits in different banks, different types of credit cards, and some banks may even approve it, but Some banks refuse to issue the credit card

Reference materials: CITIC Bank Credit Card - Frequently Asked Questions - Credit Card Application