First, the application conditions do not match. Many people do not read the application conditions carefully when applying for credit cards. Many credit cards have application conditions, such as student card, female card, membership card or age limit. These problems will directly lead to the rejection of the card application.

Second, the materials are not fully prepared. Credit card applicants must pay attention to the authenticity and integrity of the application materials, which is an important basis for banks to approve cards, especially when applying for a credit card for the first time. For example, it is more likely that one room and one car can submit approval documents such as purchase contract and vehicle driving license; If there are only simple materials such as a copy of the ID card, the probability of passing is very small.

Third, there is a bad credit record. After receiving the credit card application, the bank will check the applicant's credit record through the credit information platform. If the credit record is good, the credit card is more likely to be approved; If you have a bad credit record, you will of course be rejected, but it doesn't matter if your credit can be restored.

Fourth, the comprehensive score is not enough. The bank uses the scoring system to automatically score users. Only when the score line set by the bank is reached can the card be approved. If it is not reached, the card will be rejected. The user receives the notice that "the comprehensive score is insufficient and the card issuance is rejected", which refers to this score.

If it is because of credit reporting, the method of restoring credit reporting. The details are as follows: According to the Regulations on the Administration of Credit Information Industry, personal bad information records will not be "lifelong" stains, but only have a "shelf life" of five years, so don't worry that the stains will affect your life. The "Regulations" stipulate that the retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. However, this is on the premise of paying off the loan. Don't think that you can be eliminated without paying back the money.

According to the regulations, as long as good credit behavior is maintained within five years, these bad information will disappear after five years. For example, a loan should be repaid on May 1 day, but it was not repaid until June 10, so the record will be deleted five years from June 10.

Why is China Merchants Bank's credit card application under review?

Some users asked why China Merchants Bank's credit card has been under review/your information has been submitted. As a reminder, as long as you submit detailed application materials and proof of work income, the bank will handle it, because everyone's application channels are different and the time for submitting application materials is different, so there will be some differences.

Display: under review

Please be patient. The audit system of China Merchants Bank is quite complicated. If it is in the third step of "review", the review time will not exceed ten working days. I hope China Merchants Bank can review it faster in the future ~

Display: Your information has been submitted.

According to the normal process, a salesman will definitely call you to apply for a card within five days after you submit your application. This first step to get the card is rare, and it is likely to be rejected in the first instance. You can ask by telephone customer service. If you are unfortunately right, please check the first one.

Why are credit cards always censored?

The normal review period of credit cards will not exceed 15 days, so the credit card center will have the results within 15 days after receiving the application materials. Are you sure that you have submitted the complete application materials and arrived at the Credit Card Center of Agricultural Bank of China, and entered the review stage? I suggest you call 95599 customer service, choose credit card service-manual service to check the specific situation, explain it to customer service in detail, check it online several times, check the status results and so on. The general audit will receive feedback from the bank whether it passes or not, and will not be delayed all the time.

After receiving the credit card, you need to activate it first.

Online credit card application can only be activated at bank outlets.

To apply for a credit card in a bank, you can activate it online, and the cardholder can log in to the official website self-service activation of the bank to which the credit card belongs.

Calling the customer service number marked on the back of the credit card can also be activated.

Or download the bank mobile APP activation.

Generally, ordinary credit cards will not charge an annual fee if they are not activated, but high-end credit cards will also charge a lot of annual fees if they are not activated. However, banks generally have an annual fee-free policy and need to ask the staff in advance. When using a credit card, you usually swipe your card in the mall, enter your password and sign your name. Don't lend your credit card to others. If the overdue credit card is caused by others, the bank will hold the cardholder responsible.

In the process of using credit cards, don't spend blindly, but pay attention to your own quota. If you feel unable to repay, you need to stop spending, otherwise the overdue period will be recorded in the credit information system, which will make it impossible to try the bank credit business in the future.

On the credit card repayment date, the bank will give the cardholder a grace period of 3 to 5 days, during which the repayment will not be overdue. Once this period is exceeded, penalty interest will be charged and credit information will be recorded. From the date of consumption, the amount of penalty interest is five ten thousandths of the amount owed on a daily basis. When many friends don't have enough cash, they like to use credit cards to withdraw cash from ATMs. However, the cost of overdraft withdrawal is very expensive now. Credit card overdraft can't enjoy interest-free period, and it should be calculated according to the daily interest rate of five ten thousandths, and the withdrawal fee should be deducted, so don't overdraw cash unless absolutely necessary.

What do you mean the credit card is already under review?

The credit card has been approved, which means the credit card is still under approval. Generally, the time from data submission to card issuance is one month. If it is still under approval for a long time, please call the credit card center for details.

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, etc. 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 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.

Why have you been reviewing credit cards for more than ten days?

First of all, credit card approval time varies from bank to bank, and some banks are extremely efficient in approval, such as transportation, Xingye and Ping An.

However, in some banks, the review time is about 15-20 working days, which is closely related to the applicant's application methods, such as online application and bank counter application. Online application is relatively convenient and fast.

If the applicant's personal qualifications are better, the time for bank approval will definitely be shorter and the amount will definitely be higher, and vice versa.

If the applicant's personal credit and financial resources are insufficient and the review time is relatively long, the bank needs to conduct risk assessment and decide whether to approve the application.

Of course, there may be many other reasons for the slow credit card approval time!

1. The bank may have a system failure. In case of system failure in the bank, the applicant's information cannot be transmitted to the bank smoothly. In this case, the bank will deal with it in time and wait patiently.

For example, the applicant applied for a credit card during the Qingming holiday and waited for nearly half a month. This situation is normal. When you apply for a credit card on holidays, you can only say that you applied without considering it.

Do you think the people's bank staff don't have to take a holiday? The bank is empty. Who will give you the card? In this case, the cycle of bank audit will certainly be extended.

3. The most common reason is that the applicant's information is incomplete, his personal credit is tainted, his job is unstable, and he often changes jobs. These are all to be seen in the risk control assessment of banks.

So, if you wait too long, you may be rejected by the bank.

The applicant already has many credit cards. As we all know, the more credit cards you have, the more difficult it will be for you to get a card in the future. Banks will definitely need to review more information, such as your previous card use, utilization rate, debt ratio, etc., before giving the results. This is the same as a loan. You are heavily in debt. If I lend you money again, can I get my money back? This is a problem of bank risk control.

Therefore, the credit card approval time is slow, and it cannot be said that the visa must be refused. The speed of bank approval, the time period of application and the actual situation of individuals all have an impact.

If you really can't get a credit card, it is recommended to wait a few months before going to other banks.

I hope my answer can help you.

The introduction of why credit cards are always audited and why credit cards are always audited ends here. I wonder if you have found the information you need?