It takes a few days for Zheshang Bank credit card to be reviewed after receiving the application

Generally, it takes about 20-40 days from the submission of card application materials.

Follow the bank's official website and you can check the progress of card application at any time. Generally, it takes about 20-40 days from the time of submission of card application materials.

After receiving credit card application materials from various local cities, the credit card center must review and file them.

This process takes 15 days. The next step is to make cards, because card making equipment is expensive.

Therefore, in China, they are basically produced centrally by the credit card centers of various banks.

This process generally takes two days.

The final step is to mail the card to the cardholder by registered mail.

It usually takes 7 days to 15 days. Add in the possible delays between each link.

So it is normal to get the card within 40 days.

Is it easy to get approved for Zheshang Bank's credit card?

If you are not sure, it is generally easy to pass. In fact, whether Zheshang Bank's credit card review is strict and whether the pass rate is high mainly depends on the applicant himself. After all, "there are a thousand Hamlets in the eyes of a thousand people."

Of course, as a local commercial bank, Zheshang Bank has a relatively low application threshold and a relatively high pass rate. If you want the Zheshang Bank credit card approval rate to be high, applicants need to meet the application conditions.

What are the application conditions for Zheshang Bank’s credit card?

1. Applicants need to meet certain age conditions: over 18 years old and under 65 years old. Once the applicant's age is outside this range, he cannot apply for a Zheshang Bank credit card.

2. The applicant needs to be a natural person with full civil capacity and a valid identity document.

3. Applicants need to have good personal credit and cannot be late, cash out or have other bad behaviors. Relatively speaking, banks still pay more attention to applicants’ personal credit issues.

4. Applicants need to have a stable job and legal source of income to ensure their ability to repay credit card accounts, and provide proof of employment and income stamped with the official seal of the company.

5. Applicants need to have a certain financial foundation and provide certain financial proof to the bank, such as real estate certificates, car driving licenses, stocks, bonds, bank certificates of deposit, etc. with the applicant’s name on them.

Generally, credit card results are only available so quickly when you apply online. Most bank online applications are approved and rejected within seconds. After passing the preliminary review, when you receive the credit card, you can take the card with you, find an outlet at random, have an interview and activate it, and then you can use it normally. Therefore, generally after passing the preliminary review, there will be basically no problem with face-to-face activation. However, at some banks, it is easy to be rejected during the interview. For example, Everbright and Agricultural Bank of China.

If the processing channel is not online application, then there is generally no preliminary review. Even if there is, you can't see it. Generally, after receiving the card, you can use it immediately after calling or activating the software. However, even if you apply for a credit card online, you will not be able to open the card yourself after you get the credit card. You need to go to a bank branch for an interview, and then you can activate the password and make normal purchases. The reason is that credit cards must meet the "three personal requirements." The so-called three-person seeing means seeing your ID card with your own eyes, seeing your ID card with your own eyes, and seeing your signature with your own eyes. This is an essential part of credit card application. Therefore, passing the preliminary review does not mean that it is approved. Only after the interview is completed, it is truly approved.

Since the current interview process is very simple, just go through a process, so everyone thinks that as long as the credit card passes the preliminary review, it will basically be approved. But it is true that most banks do the same. If your credit card passes the preliminary review, wait a few days after receiving the credit card, and then take the credit card to any branch for an interview. There are generally three methods of face-to-face visa activation. A teller will help you face-to-face and activate. One is for the lobby manager to verify your ID card with a pad and then help you face-to-face and activate. The other is self-service face-to-face activation, which uses the bank's VTM machine for self-service remote face-to-face activation.

No matter what kind of interview it is, it is basically a formality now, but if you ask too many questions, you just need to make sure it is the person you are. So in a sense, passing the preliminary review means that the card is approved.

How to check the progress of credit card application after applying for it?

The query method is as follows:

1. Bank branch

Bring your valid personal ID to the branch of any card-issuing bank and ask the counter staff to help query the credit card Application progress.

2. Customer service phone number

Call the customer service phone number of the card-issuing bank directly and complete the identity verification to check the progress of your credit card application.

3. Online banking

Log in to the credit card online banking account of the card-issuing bank, enter the application progress inquiry portal, and fill in personal information to query.

4. Official APP

Log in to the credit card mobile banking APP of the issuing bank, find the credit card application progress inquiry window, and follow the process.

5. WeChat official account

Follow the credit card WeChat official account of the issuing bank and check it through the credit card application progress inquiry portal.

After a credit card application is submitted, the bank has a strict review process. Credit card applicants can generally check the application progress through the bank's official channels or other formal card application platforms.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in Public Service Fields" was officially implemented.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

Credit card application:

In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in mainland China) and with certain direct financial resources can apply to Apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

How to apply for Zheshang Bank VISA standard card? What are the requirements?

The Zheshang Bank VISA Standard Card is a very good credit card and is very suitable for use abroad. Many cardholders are attracted by the benefits of this credit card and want to apply for one, but they don’t know what conditions need to be met and how to apply. Let’s find out together.

1. Application conditions

1. Basic conditions: Any individual who is over 18 years old, has full capacity for civil conduct, and has legal and stable income can apply to Zheshang Bank. Primary credit card. The main cardholder can apply for a supplementary card for individuals over 14 years old.

2. Household registration requirements: All residents in my country can apply for a Zheshang Bank credit card.

2. Required documents

1. Identity documents: A copy of the second-generation resident ID card or military officer ID card.

2. Work certificate documents (please provide any of the following work certificates): valid work permit, original work certificate with official seal of the unit, labor contract, provident fund, social insurance, pension insurance certificate, Income tax withholding certificate.

3. Supporting materials for Zheshang Bank credit card application: self-owned house property ownership certificate, bank savings, bank financial management certificate, own car driving license (copy of front and back).

3. Application process

Finally, fill in the relevant information step by step according to the prompts on the application page, and then submit to complete the application.

4. Application time

Follow the official WeChat account of Zheshang Bank and you can check the card application progress at any time. Generally, it takes about 40 days from submitting the card application materials to getting the card.

After receiving the credit card application materials from various local cities, the credit card center must review and file them. This process takes 15 days. The next step is to make the cards, a process that usually takes two days.

The final step is to mail the prepared Zheshang Bank VISA standard card to the cardholder by registered mail, which usually takes 7 to 15 days. In addition to the possible delays between each link, it is normal to get the card in 40 days.

Zheshang Bank VISA Standard Card

(Six major fees such as text messages are free of charge, tax refund discounts for studying abroad and overseas shopping)

Zheshang Credit Card Application Progress Let’s stop the introduction here.