How long does it take for China Merchants Bank’s credit card review?

1. There are two ways to submit the information until it can be queried: a. After submitting the credit card application materials to China Merchants Bank, it usually takes 5 to 8 days. You can see that your information has been entered in the China Merchants Bank Credit Card Progress Inquiry. b. By mailing the card center, it may take a longer time; after the date of entry, the results can usually be checked in about 7 to 15 working days. If the credit card can be successfully approved during this period, a text message will be sent to the mobile phone number you left. 2. Time from approval to receiving the card: You can receive the registration number from China Merchants Bank about 7 to 10 days after the card is approved. The new card will be mailed to the billing address by letter. If everything goes well, you will get the card 22 days after submitting the application. Warm reminder: The basic process of credit card review:. Materials submitted for review: copy of identity document, original work certificate, The original proof of salary income and the application form are complete. If there are any deficiencies, please be reminded to add them; 2. Enter the credit investigation stage: verify whether the customer’s identity information is consistent with the ID card information database, and check the personal credit investigation system; 3. Telephone verification: call the application The applicant and his/her unit shall verify that his/her personal information and unit information are true and reliable; after verification, the credit card will be mailed; 5. If the card is not received in the mail more than 15 to 20 days after the CMB credit card application is approved, the user can Dial 800 to confirm the delivery status through customer service. :Credit card application review requires a comprehensive assessment by China Merchants Bank’s credit reporting system, which takes into account many factors, such as age, job stability, income, credit record, etc. If the applicant's job or financial information changes, he or she can resubmit the information after 3 months. All application materials submitted by applicants will be properly handled by China Merchants Bank to ensure privacy and security. How long does it take for China Merchants Bank's credit card application to be approved?

1. After receiving the applicant's application materials, China Merchants Bank's credit card promotion staff will transfer them to the credit card center review department. The review department will receive the applicant's application materials to It generally takes 10 working days for credit card review to be completed.

2. If passed the review, the card will be printed and sent within 2 working days. A text message will be sent to notify the card of the card the next day after it is issued. The applicant can check the card 2-3 working days after receiving the text message. Shipping progress, the card is sent to the customer's billing address by registered mail by default, and the delivery time is generally within 15 days. Free express delivery for Platinum and Unlimited cards.

Extended information:

Application conditions

(1) Chinese residents who are over 18 years old, have full capacity for civil conduct, and have good credit standing, and are resident in China Foreigners and compatriots from Hong Kong, Macao and Taiwan can apply for a personal credit card master card from the card issuer with their valid identity documents.

The main cardholder can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct. The main cardholder can apply to cancel the supplementary card at any time.

(2) Any enterprise, administrative institution, social group, other economic organization authorized by a legal person, etc. that opens a basic deposit account in a financial institution within the territory of China and has independent legal person status can apply for a basic deposit account issued by the People's Bank of China. Apply for a corporate card from the card issuer with the basic deposit account opening license and other supporting documents.

The qualification of the company card holder shall be designated and revoked in writing by the legal representative of the company or his authorized person. The applicant unit shall bear all debts incurred by the unit card.

(3) When applying for a credit card for the first time, the applicant shall fill in the credit card application form correctly, completely and truthfully according to the card issuer's regulations and submit relevant supporting documents required by the card issuer, and agree to the card issuer's request to any Relevant departments, units and individuals understand and inquire about the credit status of applicants, and retain and use relevant data.

(4) The card issuer shall decide whether to issue a card based on the applicant's credit status, whether to require the applicant to provide guarantee and the method of guarantee, determine the method and type of card collection, and the credit limit to be granted to the applicant, etc. . Unsuccessful application materials will not be returned.

(5) The ways in which the applicant provides guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract should be signed separately for guarantee. The scope of guarantee covers all debts incurred by cardholders under their credit cards (including but not limited to principal and interest of overdrafts within the credit limit and overdrafts beyond the credit limit, over-limit fees, late fees and recourse fees). How long does it take to apply for a China Merchants Bank credit card?

China Merchants Bank’s credit card processing generally takes about 15 working days, with a maximum of 30 working days.

Many people have the need to use credit cards. If you have never applied for a credit card, the process of applying for a credit card is actually very simple. You only need to submit your real-name information. Regarding your question, I will try to answer it from a more comprehensive perspective.

1. China Merchants Bank’s credit card processing generally takes about 15 working days.

I will answer your question directly now. Whether it is a credit card from China Merchants Bank or another bank, if you apply for a credit card from the relevant bank, you need to improve your real-name information and finally go through the normal review. process. The review process generally takes 1 to 15 working days. After the review is completed, the card production process will begin. Card production and sending generally also takes 15 working days, so the time for issuing a credit card is 15 to 30 working days. day.

2. Regarding the credit card review process.

After the user submits the credit card application information, the bank will retrieve the user's personal credit report. For those friends who have never been exposed to financial services, such users are collectively called white accounts, and banks will generally directly approve credit card applications. For users who have already had financial business, if the user frequently applies for credit cards or credit services, banks will generally not approve the credit card application because the user's financial risk is relatively high.

3. Regarding the use of credit cards.

After the user receives the credit card, the user needs to actively activate the credit card, and finally it can be used normally. The user's usage behavior is an overdraft consumption. Every month, the credit card will have a current bill, and the user needs to repay it on time before the minimum repayment date. The interest-free period of a credit card is generally about 30 days, and some banks will reach 50 days. If you repay within the interest-free period, the credit card will not charge any interest.

The review time for China Merchants Bank credit cards generally takes 15 to 30 working days. There is still a lot of knowledge about credit cards. If you have other questions, you can also leave me a message. How long does it take to apply for a China Merchants Credit Card

The time required for credit card application depends on the card application channel:

1. Online application: generally within 20 working days.

2. Website application: Generally, the review will be completed within 5 working days. New accounts need to go to the bank branch for an interview, and the review will be completed within 2 working days after the interview.

3. Mobile banking application: Generally, the review will be completed within 5 working days. New accounts need to go to the bank branch for an interview, and the review will be completed within 2 working days after the interview.

After the credit card application information is submitted, it will first be submitted to the credit card center review department of the card-issuing bank. The review department will score the applicant based on the applicant's personal situation. This process usually takes 10 working days. If After the review is passed, the card-issuing bank will create a card for the cardholder within two working days, and then send the credit card by registered mail or express delivery. Registered mail usually arrives in about 15 days, and express delivery usually takes about 5 days.

However, for some cardholders who have already applied for a credit card and submitted relatively complete information, the bank's approval will be much faster, and the card will usually be issued in about 3 days, so how long it takes to get the credit card generally depends on the application. It depends on the person's personal situation and the approval speed of the card-issuing bank. Generally speaking, the results will be available in about a month.

Extended information:

Credit Card, also called credit card. It is a non-cash transaction payment method and a simple credit service. A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.