After the customer applies for a credit card, the bank will review it. During the audit, the credit information system of the People's Bank of China will inquire about the applicant's credit record. The approval shown on the credit report means that the bank inquired about the applicant's credit record when approving the credit card. \ x0d \ x0d \ The credit card review process is generally: \x0d\ 1. After receiving the customer's information, the bank should first conduct a preliminary audit, which includes: checking whether the identity certificate, work certificate, salary income certificate and application form are complete, and notifying the customer to supplement the documents if they are insufficient. \x0d\ 2。 Enter the credit card approval, use the ID card verification system to check the authenticity of the customer's ID card information, and check whether the customer has a bad credit record in the personal credit information system. \x0d\ 3。 Telephone verification, call customers and companies to verify the authenticity of my information and company information. \x0d\ 4。 After passing all the audits, approve or reject the card issuance.