After approval, it usually takes 3 working days for the business card printing cycle. The credit card of China Bank will be sent to your registered mailing address in China Bank by express delivery, and the mailing time will be about 3-5 working days. If you haven't received the card for a long time, I suggest you call the customer service hotline.
The above contents are for your reference. Please refer to the actual business regulations.
Is the credit card successful if it passes the preliminary examination?
It is not successful to pass the credit card preliminary examination, but the applicant's information has basically met the bank's card issuance standards, and the applicant should pay attention to the final audit results.
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Measures for the supervision and administration of credit card business of commercial banks Article 43 A customer who applies for the bank's credit card for the first time may not issue a card by automatic card issuance in the whole process. Credit card applicants should strictly review and strengthen risk prevention and control in the following situations:
(1) Leaving relevant suspicious information or criminal records in the identity information system;
(2) There is no credit record in the credit information system;
(3) Having a bad record in the credit information system;
(four) there are many bank loans or credit card credit records in the credit information system;
(5) Business travel cards and business shopping cards handled by the unit;
(6) Risk information obtained from other channels.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal? . 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.
Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.
Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units. It is a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
A real credit card has the following characteristics: cash is not allowed to be pre-deposited, it is paid after consumption, it enjoys an interest-free repayment period, and it can be repaid in installments (with a minimum repayment amount). Joining international credit card organizations such as VISA and MASTER can be used worldwide.
Has the credit card been approved successfully?
Yes, it worked. After the credit card is approved, you can wait to receive the credit card activation.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.
When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
The credit card was approved a few days before it was obtained.
Generally, you can get the card within 2 weeks after the credit card is approved. If it is in the same city, you can get the card within 1 week. Because banks usually send you credit cards by registered mail or EMS, and send you the single number when mailing, you can always log in to official website Post to check the express delivery information.
When you receive a credit card, you can activate it at Bank official website, Mobile Banking, WeChat official account and bank outlets.
Credit card approval process
1. Step 1: Internal evaluation of banks
First of all, the bank will input the basic information of the applicant into the internal evaluation system for preliminary evaluation.
If you have done business with banks before, such as handling savings cards and credit cards, applying for loans, purchasing wealth management products, etc. Then the bank can know if you are a good customer of the bank.
If it is a quality customer, the credit card is basically approved in seconds. If you want to be a high-quality customer of the bank, the most direct way is to deposit 500-65438+10,000 yuan directly, and the amount in the card is 30,000 yuan.
2. Step 2: Inquire personal credit information.
Credit card is actually a simple credit service. It can be said that applying for a credit card is no different from applying for a loan.
In order to reduce the bad rate of credit cards, according to the relevant (hard) regulations, banks must check the applicant's personal credit report.
It should be noted that in addition to overdue credit business, if there are too many credit inquiries, or the water and electricity bills are not paid on time, or there is a criminal record at the police station, it will affect the approval of credit cards.
3. Step 3: Personal comprehensive score.
Also called credit score, it is given by the credit scoring system of each bank, and the level of credit score will directly determine whether the bank will grant credit and the amount of credit.
As we all know, the higher the credit score, the greater the probability that the cardholder will get the card, and the higher the credit limit, and the bank's credit score standard is strictly confidential.
Step 4: Hold a credit card
Banks will refer to the applicant's credit status when approving credit cards.
At present, in addition to the four major banks and China Merchants Bank, other banks can "do cards with cards".
In addition, if the number of credit cards exceeds 5, it is difficult to use CCB cards unless the qualifications are excellent. The salesman of CCB also said that he could use a card.
If you are anxious to check the progress, you can go to the website to see if it has passed, or you can call the credit card department to check. If it has been approved, you can wait about 20 days to issue the card, and then send it by online number, which takes 7- 10 days, so the total process takes 45 days at the earliest, and the cycle is about 45 days to 70 days.
What does it mean for a credit card to pass the preliminary examination?
The preliminary examination of credit card means the completion of the examination of personal information and assets. The contents of credit card preliminary examination mainly include personal basic information, work certificate, income, etc. If the information is incomplete, the applicant will be informed to fill in the information.
After the preliminary examination is completed, the general bank will also check the applicant's credit record. Banks mainly check the inquiry times of credit information and the specific situation of applying for loans or credit card business. In this way, it can be judged whether the applicant's past credit information meets the conditions for card approval.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
1. Can I prepay my credit card?
Credit cards can be repaid in advance; And there is no handling fee. Under normal circumstances, the repayment order of credit card is to pay the bill first, and then not to pay the bill. The rest of the money becomes "overpayment", and credit card consumption will default to paying the overpayment first. Some banks charge fees for taking out credit card overpayments, which needs to attract the attention of cardholders. That is to say, if we have both the issued bill and the outstanding bill of the credit card, our repayment will offset the issued bill first, and then the remaining money will repay the outstanding bill. Whether it is full repayment or partial repayment, the credit limit of the cardholder's credit card will be restored, but the paid repayment amount will be restored. If the current bill is not paid on the last repayment date, there will be a late payment fee, which may also affect the credit history of the cardholder.
2. Can I prepay by installment?
Credit card installment business involves installment fees, which are charged by some banks in one lump sum and some banks in installments. Generally speaking, if you handle the credit card installment business, you can repay in advance. For example, if you handle the installment of 12, you will have sufficient funds by the sixth installment, and you want to repay in advance, which is ok. However, if the credit card is repaid in advance after installment, the installment fee is often non-refundable or the bank will accept the remaining installment fee. However, at present, ICBC and CITIC in domestic banks do not charge installment fees for the remaining installments, and CITIC credit card fees are charged by installments. In the process of bill or single installment, one-time repayment can be made in advance. After prepaid, the expenses incurred in the previous period will not be refunded, and the expenses that have not yet been incurred will not be charged.
How long will it take to get rid of the credit card after it is approved?
1, network application:
According to the application materials, the normal audit is 10 working days. Once approved, the card will be made within two working days and then sent by registered mail according to the billing address. It usually takes about a week or two to receive it. If you have received a phone call, the phone call is one of the bank credit card review processes, which does not mean that 100% passed or 100% failed.
After receiving the call, the audit results will be given in about 3 working days. After 10 every day, you can click "Application Progress Query" on the right side of official website homepage of China Merchants Bank Credit Card, or you can call China Merchants Bank Credit Card Center for voice query. -You only need to query 1 time every day, and the results will be displayed the next day after the card is updated that day.
2. Online application:
Generally, it takes 20 working days to apply for China Merchants Bank's credit card online, with the fastest 10 day and more than 40 days. The key depends on the speed at which the salesman submits the information. If your information is complete, your work unit is good, or your local account is good, you may get your card directly without sampling. It can also be rejected directly without sampling.
Inquiry on the application progress of China Merchants Credit Card:
1. First of all, you can log in to the credit card website, click "Application Progress Query" at the top right of the home page, and enter the ID number according to the prompt to make an inquiry;
2. You can call the credit card customer service hotline 4008205555-3#-2 for inquiry. If you have any questions or comments, you can also log on to online customer service for consultation.
China Merchants Bank Online Banking can make an appointment for door-to-door card service when applying for a credit card, and the initial examination time is 7 working days. If it passes the preliminary examination, the Credit Card Commissioner of China Merchants Bank will provide on-site card service; If the application is unsuccessful, China Merchants Bank will send a short message to the mobile phone number reserved by the applicant in about 3 natural days. The person who handles the card at home will collect the applicant's application materials, and then it usually takes 10 working days to review. After the card is approved, the customer will be reminded by SMS. Generally, the card can be received within 15 days after receiving the card issuance notification message. The verification of the credit card and the specific credit limit after issuing the card shall be subject to the final audit result.
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This concludes the introduction of credit card approval and credit card approval to be verified. I wonder if you found the information you need from it?