What is the credit card approval process of Bank of Communications?

1. Review the submitted materials: whether the photocopies of identification documents, original work certificates, original salary and income certificates and application forms are complete, and remind them to supplement if there are any deficiencies.

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

3. Telephone verification: Call the applicant and his company to verify that his information and company information are true and reliable.

pass the examination and send the credit card.

What is the credit card review process of the bank?

Hello, the credit card review needs to be comprehensively evaluated by our bank, and there are many main reference factors, such as age, job stability, income, credit history, education background, spending power and so on.

after receiving your application materials, the credit card promoters of our bank will forward them to the audit department of the credit card center. It usually takes 1 working days from the receipt of your application materials by the audit department to the completion of the credit card audit. After the approval, we will make a card for you within 2 working days, and then send it to you by registered mail according to the billing address. Generally, the sending time of registered mail is within 15 days. Please wait patiently.

what is the credit card approval process?

The steps of Bank of Communications credit card review are as follows: credit cards are processed by machines for business personnel, and a paper application form is added. After completion, the electronic application form enters the business director's computer for preliminary review. The business director may call your home phone number, work phone number and your phone number to verify the information, and then enter the computer of the credit examiner in the local card center for further review, and then enter the Bank of Communications headquarters for review. There are two credit card headquarters of Bank of Communications. The audit of the headquarters is generally a spot check. Those with superior conditions may be approved directly without calling. The phone call from the headquarters usually starts with 21 or 27, and you may be calling from here. After the audit is passed, your card should be approved. After approval, cards will be made. Each card is different. You should imprint the pinyin of your name on it and mail it to your work unit. Bank of Communications now approves credit cards relatively quickly among banks. Generally, it takes eight or nine days to get the cards quickly and fifteen days to get them slowly. Don't resent the bank's inquiry about you. If the bank asks you, answer it truthfully and in detail. The bank is responsible for both yourself and you when it asks you questions, because once your identity is fraudulently used, someone else holds your ID card and you don't know it, and the bank doesn't review it, which is not good for you and the bank. The bank's inquiry is to prove that you personally handled the credit card, which is to protect your property and information.

credit card (debit card) review process

As we all know, credit card (debit card) application channels can be divided into online channels and offline channels, and the review process of bank credit card (debit card) is different for the two different application channels, as follows:

1. Online channels to apply for cards: such as official website, Guanwei, mobile banking APP, Alipay and other third-party card application platforms.

2. Offline application of cards: such as the counter of bank outlets and the door-to-door visit of the card application salesman

Review process: the bank receives the application card information, and the information is entered into the system. If the score is not high, it needs manual review. If it passes the review, the card can be made and approved, and generally no face-to-face signing is required.

How is the credit card review process exposed

Many people have experienced the credit card application, filling out the bank credit card application form, submitting additional supporting materials, etc., and then they can only wait for the bank's approval results. What is the credit card review process? Most card friends don't know it very well. Today, I will reveal the specific process of internal approval of the bank, and then everyone will enter the bank credit card review process together.

1. Information input

Paperless work is generally advocated in the review of bank credit cards. When the bank receives the information of the applicant, the first job of the bank staff is to scan the information and generate pictures. Subsequently, according to different areas of the application form, it is automatically divided into smaller picture files, and each small picture contains only one content filled in by the applicant.

in the input stage of the credit card review process, each staff member is only responsible for one item. For example, the staff who enter the ID number can only see the ID number. After the entry, the information directly enters the electronic audit system of the bank, and each information will be entered by two different staff members. If the contents are different twice, this small picture will be given to a third person for identification. It seems that the bank credit card review process is very rigorous and safe.

second, preliminary review

next, the credit card review process officially begins, and the preliminary review needs to go through two procedures: electronic review and manual review.

1. Electronic audit

First, the electronic system will evaluate the completeness of the information in the application form, and then judge whether the applicant meets the hard requirements such as age and income with the personal information on the application form, and will automatically check the credit status of the applicant in the personal credit information system as a reference. After passing the preliminary 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, 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 then review the submission channels of the application form to determine the authenticity of the application form information.

after the credit card application forms pass the manual preliminary examination, the system will determine the classification of the application forms according to the parameters generated by the preliminary examination, so as to determine which level of examination and approval process these application forms need to go through. When the user's qualification meets the requirements, it passes the preliminary process of credit card review.

III. Further review

Subsequently, the bank will analyze the historical data of the applicants according to the principles of mathematical statistics and manual experience, and comprehensively evaluate and rank the applicants. Decide whether or not to grant the applicant a card and how much to give.

If there is ambiguity between approval and disapproval in the system, it will return to manual approval again, and the most experienced approver in the bank will decide the final result. The bank's credit card review process is basically completed.

IV. Review cycle

It takes about 14 working days to complete the entire review process. The online application is faster than the counter application, but whether the application can be successful depends mainly on the applicant's personal qualifications. In addition, not all bank credit card review processes are the same as the above processes, and the results can be obtained within 1-3 working days at the earliest.

what is the approval process of ICBC's credit card?

The review process of ICBC credit card application is as follows:

1. Collect the completed ICBC credit card application form.

2. Risk assessment posts and credit reporting posts review the authenticity of information filled in by ICBC credit card application users, and conduct risk assessment on users.

third, approval post: whether the supervisor issues the card and approves the quota, which is a post closely related to the users. Whether the user's approval can be passed or not, as well as the user's credit limit, is the responsibility of the approval post. The general principle of examination and approval is that the amount of the first card without guarantor shall not exceed 5% of the applicant's annual income. If there is no basis, it can be estimated according to the average income of the industry. The general approval time is one week, and the approval notification method is SMS notification.

4. card making and issuing: after passing the examination, the bank card business department will start to make cards.

5. card issuance: mail the credit card to the user or notify the user to collect the credit card.

so much for the introduction of the credit card review process.