Pending credit card preliminary review means that you have passed the preliminary review and are waiting to sign the agreement in person.

Supplementary information;

The interview is generally a step required when applying for a credit card online. In order to confirm the identity information of the applicant and to meet regulatory requirements, the bank requires the applicant to Bring your ID card to any branch of the bank for an interview within the specified time. The interview process is relatively simple. Generally, you only need to sign and confirm at the bank and take photos. It is also very fast and can be completed on the same day. The bank will also send you the interview results on the same day.

Extended information:

1. How to apply for a credit card

Credit card application method:

Official websites of major banks’ credit cards, mobile banking, and WeChat Public accounts can all be applied for.

1. Credit cards are generally sent directly to the contact address you filled in when applying for a credit card.

2. If you apply for a credit card online, the bank requires you to bring your ID card to the local bank counter to confirm collection.

3. Different banks provide different "online application" methods for card collection. Online applications from China Merchants Bank, China Construction Bank, Industrial Bank and other banks must first be carried out in cities with CMB branches: after the new household applicant fills in the information online, the card department employees at the local branch will come to check whether the original ID card and other information are authentic. After this process, you enter the review process. If the card is approved, the card will be mailed directly to the address provided when applying (you can choose to mail it to your home or work). After receiving the card, you can open the card by making a phone call without going to a branch.

Online application → door-to-door confirmation → card review and approval → mail the card → open the card by phone

Operating environment:

Brand model: iPhone13

System version: iOS15.0

App version: 5.6.3.001 (take China Construction Bank as an example)

2. The specific credit card repayment period and penalties are as follows:

1. If you pay it off in full, no fees will be incurred;

2. Credit cards generally have a grace period of three days after the repayment date, and repayment within the grace period is deemed to be repayment on time;

3. If you pay the minimum repayment amount, you need to calculate daily interest, starting from the date of consumption;

4. If the repayment exceeds the grace period or the repayment amount is less than the minimum amount stipulated by the bank, The repayment amount is deemed to be overdue, and interest will be calculated from the accounting date. In addition, a late payment fee of 5% of the unpaid portion of the minimum repayment amount will be charged on a monthly basis;

5. The specific daily interest rates vary. Credit cards may vary.

2. Bank credit card minimum repayment calculation rules:

The bank’s minimum repayment calculation rule is: 10 for your consumption and 10 for cash withdrawals. All fees (that is, late fees, over-limit fees, etc.) are the unpaid portion of the minimum repayment amount on the previous bill, so the minimum repayment amount is not a fixed value and depends on the arrears;