How is the Bank of China credit card application approved?

Bank of China credit card approval rules:

Bank of China will determine whether you meet the card application conditions based on the personal financial certificate and comprehensive credit status you submitted when applying for a credit card. In the end, please submit the actual The approval result shall prevail.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, you are welcome to consult the Bank of China online customer service or download and use the Bank of China mobile banking APP to consult and handle related services.

What does credit card review mean? What does credit card review mean?

After a credit card application is submitted, the bank needs to review it. What does credit card review mean, and what is credit card review for? Review is the process by which the bank verifies whether the applicant meets the conditions for credit card processing.

Everyone who applies for a credit card needs to have the relevant qualifications, otherwise the application will not be successful. Credit card review is a process of comprehensive evaluation by the bank through the system. The factors for credit card review are as follows:

1. Age

General credit card applicants need to be between 18 and 65 years old. Those who are under 18 years old or older than 65 years old No one can handle it. Some banks also have stricter age restrictions on credit card applicants, requiring them to be between 18 and 60 years old. Age is a mandatory requirement and cannot be changed.

2. Personal credit record

Personal credit refers to the credit information of individual consumers. Your trustworthiness in credit institutions will affect your future borrowing behavior. If there are black spots on your credit report, the bank will not approve your credit card application and the credit card application will not be approved.

3. Work and income

A good job and a stable high income will help the bank approve your application. Generally, the pass rate of work certificates from state-owned enterprises and national institutions will be higher. Some. If you are a freelancer, an ordinary worker or a farmer, it will be difficult to pass.

4. Other financial resources

If you have real estate, cars, large fixed deposits, etc., the bank will also determine that your repayment ability is good. Therefore, when applying for a credit card, you can provide a copy of the real estate certificate, a copy of the driving license, or bank card statement to enrich your application information.

The credit card review is comprehensively assessed by the banking system. Generally, banks reserve the right to do so. Therefore, in order to ensure the pass rate when applying for a credit card, you must provide correct and complete information.

ICBC credit card approval steps

The ICBC credit card application review process is as follows:

1. Collect the ICBC credit card application form filled out by the user.

2. The risk assessment post, credit reporting post, etc. review the authenticity of the information filled in by users applying for ICBC credit cards and conduct risk assessments on users.

3. Approval post: The supervisor is responsible for issuing cards and approving the limit. This is a post that is closely related to users. The approval post is responsible for whether the user's approval can be passed, as well as the user's credit limit.

The general approval principle is: the first-time credit limit without a guarantor shall not exceed 50% of the applicant's annual income. If there is no basis, it can be estimated based on the average income of the industry. The general approval time is one week, and the approval notification method is SMS notification.

4. Card production: After passing the review, the bank card business department will start card production.

5. Card issuance: Mail a credit card to the user or notify the user to collect the credit card.

What do banks mainly examine when applying for a credit card?

First of all, look at the basic information of the applicant you filled in, that is, the ones you filled in offline or online. Some of this basic information will be clicked out as soon as it comes up in the card center's automatic system or manual review, such as special industries, special positions and even special regions. This specific review condition cannot be disclosed to the outside world, otherwise it will cause malicious applications and cause unnecessary trouble to the card center.

If the basic information is OK, then enter the credit report review stage.

The card center will apply to the central bank for access to your credit report. The credit report will truly record your basic information, social security information and personal credit records (such as car loan and house loan status, credit card usage, and the frequency of credit report access by various institutions). . This is the stage of greatest scrutiny. The information on your credit report is also increasing year by year. It is recommended that you check your personal credit report every two or three years to prevent surprises.

So, what credit report records will be rejected?

Situation 1: If a person applies for a card from more than 10 banks within 2 days, and these 10 banks all check the applicant's credit report, this will be left in the credit report Record, under normal circumstances, this is a high-risk group, and most card centers will reject it directly.

Scenario 2: If the credit report is bad, you will be eliminated directly.

Scenario 3: The applicant’s personal credit record is 0 (has never had a relationship with the bank. Note that basic personal information, social security information and other information are still available on the credit report. All of this information in the credit report is (more credible than similar information filled in forms). In addition to the basic information of the applicant, this also depends on the specific application time (the card center has different entry policies at different times), which bank to apply for, and what card to apply for. Different factors will cause The results are different.

The final third stage is phone verification. Generally, card center staff first dial the landline number and randomly dial other extension numbers to ask colleagues if they have this person. You may also contact the applicant directly, or the applicant’s family, etc. The card center staff will chat with the person who receives the call some specific questions based on the information filled in the form to verify whether it is true. The last two stages added together are called credit reporting.

Generally speaking, banks are not allowed to disclose the credit information of credit card applicants to the outside world, otherwise they may suffer from targeted disguised card application and increase unnecessary trouble at the card center. Moreover, the card center’s rejection policies and algorithms are also advancing with the times.

What is the Bank of Communications credit card review process?

1. Review the submitted materials: copies of identity documents, original work certificates, original salary and income certificates, and whether the application form is complete. If there are any deficiencies, please be reminded to add them.

2. Enter the credit reporting stage: verify whether the customer's identity information is consistent with the ID card information database, and query the personal credit reporting system.

3. Telephone verification: Call the applicant and his or her employer to verify that the personal information and employer information are true and reliable.

After approval, a credit card will be sent.

What is the credit card review process? The credit card review process is exposed

Many people have experienced credit card applications. They fill in the bank credit card application form, submit additional supporting materials, etc., and then just You can wait for the bank’s approval results. What is the credit card review process? Most card friends don't know much about it. Today I will reveal to you the specific process of the bank's internal review and approval. Next, everyone will enter the bank's credit card review process together.

1. Information entry

Bank credit card review generally advocates a "paperless" office. After the bank receives the card applicant's information, the first job of the bank staff is Scan the data to generate pictures. The application form is then automatically divided into smaller image files based on different areas, and each small image only contains one item filled in by the applicant.

In the entry stage of the credit card review process, each staff member is only responsible for one piece of content. For example, the staff who input the ID number can only see the ID number. After the input is completed, the information will be directly entered into the bank's electronic review system. Each information will be input by two different staff members. If the two contents are different, This small picture will be handed over to a third person for identification. It seems that the bank's credit card review process is very rigorous and safe.

2. Preliminary review

The credit card review process officially begins. The preliminary review requires two procedures: electronic review and manual review.

1. Electronic review

First, the electronic system will evaluate the completeness of the information on the application form, and then use the personal information on the application form to determine whether the applicant meets the age, age, and age requirements. Income and other rigid requirements are required, and the applicant's credit status in the personal credit system will be automatically queried as a reference. After passing the initial electronic screening, the form will enter the manual review stage. This is the first step in the credit card review process.

2. Manual review

First of all, the staff will reconfirm whether there are any missing items in the application form, whether the signature meets the requirements, whether the ID card is clear, etc., and secondly, the application form will be reviewed. The submission channel will be reviewed to determine the authenticity of the information in the application form.

After the credit card application form passes the manual preliminary review, the system will determine the classification of the application form based on the parameters generated by the preliminary review, thereby determining which level of approval process these application forms need to go through. When the user's qualifications meet the requirements, the preliminary credit card review process is passed.

3. Further review

Subsequently, the bank will analyze the applicant's historical data based on the principles of mathematical statistics and manual experience, and conduct a comprehensive evaluation and ranking of the applicants. Decide whether the applicant can finally be approved for a card and how much credit will be given.

When there is ambiguity between approval and disapproval in the system, manual approval will be returned again, and the most experienced approver in the bank will decide the final result. The bank's credit card review process is basically complete.

4. Review cycle

It takes about 14 working days to complete the entire review process. The approval speed of online application is faster than that of over-the-counter application. However, whether the application can be successful depends mainly on Look at the applicant’s personal qualifications. In addition, not all banks' credit card review processes are the same as the above-mentioned processes, and the results may be available as soon as 1-3 working days.

This concludes the introduction to how credit cards are reviewed and credit cards under review. Have you found the information you need?