The general credit card review process is as follows:
1. After the applicant submits a credit card application, the system first evaluates the integrity of the information in the application form, and then determines whether the applicant meets the conditions such as age and income according to the personal information on the application form. At the same time, the system will automatically query the applicant's credit status in the personal credit information system.
2. After the system has passed the preliminary examination, it enters the stage of manual review, and the bank approver grabs the work order from the work order pool for review. First, the staff will reconfirm whether the information filled in the application form meets the requirements, and then judge whether the personal information filled in the application form is true.
3. After the manual preliminary examination, the system will determine the classification of the application form according to the parameters generated by the preliminary examination, and then decide which level of approval process the application form should go through.
4. Then the bank will evaluate and rank the applicants according to the principles of mathematical statistics and manual experience, and decide whether to apply for a card for the applicants and the amount of the card.