What is the credit card review process?

The Bank of Communications credit card review steps are as follows: The credit card is processed by the business staff using a machine, and a paper application form is added. After filling in, the electronic application form is entered into the computer of the business director. During the initial review, the business director may give you your home phone number, work phone number, and your phone number to call to verify the information. After passing the information, you will enter the local card center's credit reviewer's computer to continue the review. After passing, you will enter the Bank of Communications headquarters. According to the review, Bank of Communications has two credit card headquarters, one in Shanghai and one in Wuhan. The review by the headquarters is generally a random check. Those with better conditions may be approved directly without calling. The phone call from the headquarters usually starts with 021 or 027. Your call may be from here. After the review is passed, your card will be approved. The batch has come down. After approval, cards are made. Each card is different. The pinyin of your name must be embossed on it, and then mailed to your workplace. , Bank of Communications now approves credit cards relatively quickly among all banks. Generally, the time from application to receipt of the card is eight to nine days and fifteen days. , don’t resent the bank asking you. If the bank asks you, answer it truthfully and in detail. The bank is responsible for both itself and you when it asks you questions, because once your identity is used fraudulently, someone else can use your ID card to apply for Card, and you don't know about it, and the bank doesn't review it, it's not good for you and the bank. The bank's inquiry is to confirm that you personally handled the credit card, which is the protection of your property and information.

On what basis are Bank of China credit cards reviewed?

Bank of China credit card approval rules:

Bank of China will determine whether you meet the card application conditions based on the personal financial certificate and comprehensive credit status you submitted when applying for a credit card. In the end, please submit the actual The approval result shall prevail.

The above content is for your reference, please refer to actual business regulations.

What is the credit card review process? The credit card review process is exposed

Many people have experienced credit card applications. They fill in the bank credit card application form, submit additional supporting materials, etc., and then just You can wait for the bank’s approval results. What is the credit card review process? Most card friends don't know much about it. Today I will reveal to you the specific process of the bank's internal review and approval. Next, everyone will enter the bank's credit card review process together.

1. Information entry

Bank credit card review generally advocates a "paperless" office. After the bank receives the card applicant's information, the first job of the bank staff is Scan the data to generate pictures. The application form is then automatically divided into smaller image files based on different areas, and each small image only contains one item filled in by the applicant.

In the entry stage of the credit card review process, each staff member is only responsible for one piece of content. For example, the staff who input the ID number can only see the ID number. After the input is completed, the information will be directly entered into the bank's electronic review system. Each information will be input by two different staff members. If the two contents are different, This small picture will be handed over to a third person for identification. It seems that the bank's credit card review process is very rigorous and safe.

2. Preliminary review

The credit card review process officially begins. The preliminary review requires two procedures: electronic review and manual review.

1. Electronic review

First, the electronic system will evaluate the completeness of the information on the application form, and then use the personal information on the application form to determine whether the applicant meets the age, age, and age requirements. Income and other rigid requirements are required, and the applicant's credit status in the personal credit system will be automatically queried as a reference. After passing the initial electronic screening, the form will enter the manual review stage. This is the first step in the credit card review process.

2. Manual review

First of all, the staff will reconfirm whether there are any missing items in the application form, whether the signature meets the requirements, whether the ID card is clear, etc., and secondly, the application form will be reviewed. The submission channel will be reviewed to determine the authenticity of the information in the application form.

After the credit card application form passes the manual preliminary review, the system will determine the classification of the application form based on the parameters generated by the preliminary review, thereby determining which level of approval process these application forms need to go through. When the user's qualifications meet the requirements, the preliminary credit card review process is passed.

3. Further review

Subsequently, the bank will analyze the applicant's historical data based on the principles of mathematical statistics and manual experience, and conduct a comprehensive evaluation and ranking of the applicants. Decide whether the applicant can finally be approved for a card and how much credit will be given.

When there is ambiguity between approval and disapproval in the system, manual approval will be returned again, and the most experienced approver in the bank will decide the final result. The bank's credit card review process is basically complete.

4. Review cycle

It takes about 14 working days to complete the entire review process. The approval speed of online application is faster than that of over-the-counter application. However, whether the application can be successful depends mainly on Look at the applicant’s personal qualifications. In addition, not all banks' credit card review processes are the same as the above-mentioned processes, and the results may be available as soon as 1-3 working days.

That’s it for the introduction of how credit cards are reviewed.