Not high. Manual credit card review will evaluate the applicant's situation in a more detailed and comprehensive manner. If the application information provided by the applicant is incomplete or untrue, it will affect the pass rate.

The process of manual credit card review mainly includes: 1. Preliminary review of the information submitted by the customer, including review of copies of identity documents, original work certificates, original salary and income certificates, and whether the application form is complete.

2. Entering the credit card approval stage, use the ID verification system to query and verify the authenticity of the customer's ID card information, and check whether the customer has a bad credit record in the personal credit reporting system.

3. Verify personal information by phone, call the applicant and his/her unit to verify the authenticity of personal information and unit information.