friends who have applied for China Merchants Bank Card should know that compared with other banks' cards, China Merchants Bank Card has lower application threshold and simple operation, including online application and offline application. If you choose to apply online, you must fill in the information before making an appointment, and then apply for a card after the appointment is successful. This step is also called preliminary examination. Only after passing the preliminary examination can you calculate that there is a high probability that you can get a card.

There is a trick in the bank here. The success of the appointment is not the first time, but it just means that the appointment is successful. Next, a staff member may come to collect information and submit it to the credit card center for review. During the review, there may be a phone call from the bank. If the return visit is successful, it will be the first time.

it should be noted here that the preliminary examination may also be rejected. For example:

1. Failed to pay a return visit

Generally speaking, the bank will call the applicant at the initial review after the online application. If the applicant misses the answer or answers the questions and materials incorrectly, it will also fail the initial review.

2. Incompatibility

The credit card level applied by the applicant is inconsistent with the actual qualifications. For example, if you can only apply for a gold card and apply for a white card, the bank will certainly not approve the card.

I don't know if there are any applicants whose credit cards have been approved. You can check the progress of card processing through official channels. If the progress shows that the initial review is successful, you can basically get off the card.