What does it mean when you say you need to re-submit the application when applying for a credit card?

When applying for a credit card, it means that bank staff are reviewing the applicant's information.

Whether you are applying offline or online for a bank credit card, you must submit the corresponding information. After submission, the staff will review it. Only after the review is successful can you continue to apply for a credit card. If the review fails, it means that the application fail.

Credit card application review needs to go through the bank's credit reporting system. There are many comprehensive assessment factors such as age, income, credit history, etc. After the review is passed, the bank will print and mail the card before it can be sent to the applicant, so submit the credit card application. Afterwards, there will be a longer waiting period.

What does it mean that the credit card application is in the mail?

Answer: Hello, the credit card application is in the delivery data before review. Under normal circumstances, there is no need for you to perform any further operations, so please just wait patiently. Processing: Processing refers to preparing the information and submitting it to the system of the loan company or bank. It is called processing. After the documentation is submitted, the bank or loan company will start to review the loan.

1. Credit card application conditions

1. Must be at least 18 years old (inclusive); if it is an additional card, you must be at least 16 years old (inclusive).

2. Materials

(1) Position certification documents (one item is enough): copies of credit certification materials such as work permit issued by the unit, original work certificate, professional title certificate, etc. .

(2) Copy of identity document. Identity documents refer to valid documents such as resident identity cards, Mainland Travel Permits for Hong Kong and Macao residents, military officer ID cards, Mainland Travel Permits for Taiwan compatriots, and passports.

3. Supporting materials

(1) Copy of your own car driving license.

(2) Income certification documents (the following items are optional): bank salary records, original income certificates issued by the unit, copies of the bank's time deposit certificates, income tax withholding certificates and other materials pieces.

(3) Housing certificate (the items listed below are optional): copies of self-owned real estate certificate, self-owned housing mortgage down payment voucher and other information.

4. Materials required for credit limit adjustment

(1) The original or copy of the personal income tax withholding voucher or tax payment certificate for the last three consecutive months or the previous year.

(2) Provident Fund acceptance inquiry form within the past three months and stamped with the Provident Fund Center’s business seal.

(3) Original statements or copies of bankbooks from our bank or other banks containing salary payment for the past three consecutive months.

(4) Inquiry form for social security payment base within the past three months and stamped with the business seal of the Social Security Center.

2. Potential reasons for credit card application failure

The credit card application always fails due to the following reasons:

1. There is a bad record on personal credit report. Banks mainly check credit and assets when approving credit cards. If your credit is not good, it will be easily rejected.

2. Do not meet the credit card application conditions. Credit cards have application conditions, such as age, income, whether you have a car, etc.

3. Do not apply for a credit card through formal credit card application channels. There are many unscrupulous intermediaries who apply for credit cards. They all defraud applicants' information and will not apply for a credit card for you.

4. The bank's score is not up to standard. The bank has a scoring system. If it does not reach a certain score, the system will display a notice saying "Card issuance is refused due to insufficient comprehensive score."

What does credit card entry mean?

What does credit card entry mean?

That is to prepare the credit card application information and submit it to the bank into the system.

What are the credit card purchase channels?

Each bank sets different standards for incoming documents.

Here are only some representative channels for importing parts, as follows: 1. Importing parts by industry, position, and professional title; 2. Importing parts by outstanding enterprises; 3. Importing parts by car owners; 4. Importing parts by house owners; 5. 6. Apply based on income conditions; 7. Apply based on academic qualifications; 8. Apply for a social security card; 9. Apply for credit cards from other banks; 10. Apply as a customer of our bank.

What are the impacts of different credit card purchase channels?

If you apply for the same credit card through different channels and submit different materials, you may get different results. If you don’t have a credit card or even a Shanghai Pudong Development Bank account, if you pass the income condition (assuming it is 3,000 yuan/month) to import the goods. Maybe the final credit limit won't be very high, maybe only 5,000. It just so happens that you have a platinum credit card with a credit card limit of 100,000 yuan in China Merchants Bank. Then if you import items through China Merchants Bank credit card channels, the limit may be 50,000 yuan.

This is the end of the introduction to what it means to import items by credit card.