What does it mean to wait for a credit card interview?

If you need to apply for a credit card interview or receive a card, please bring your original card application documents and the required credit certification materials to the branch for processing. For your convenience, it is recommended that you call the branch in advance to inquire about the credit certification materials you need to bring. Please contact the branch for details.

Warm reminder: The interview means that customers who apply for cards online and other channels need to go to an outlet to complete the review. Whether the interview is passed will be subject to the outlet review. If you forget the name of the card collection outlet you selected when applying for a credit card online, please call our credit card customer service hotline to inquire.

(Answer time: June 18, 2021. In case of business changes, please refer to the actual situation.)

What does "credit card pending for interview" mean?

Credit card pending The interview means that the applicant has not completed the credit card interview and needs to bring the credit card and his/her valid ID (ID card or passport) to the business outlet where the card is applied for for the interview procedure. For credit cards applied online, after receiving the interview SMS and credit card letter, the applicant needs to use the notification SMS to apply.

Expansion: Related processing

If the applicant deletes the interview text message, he can use the application number to handle the interview business. The application number can be used to check the card application progress through mobile banking and online banking. The application number will be displayed on the card application progress page.

After passing the credit card interview, you can activate the credit card and bind the card for payment, and you can also bind the agreed repayment account. Applicants need to note that credit card interviews are time-limited.

After applying for a credit card, the applicant needs to go to the bank's business outlet to go through the interview procedures within 90 natural days after receiving the bank's first interview notification text message and credit card letter. After receiving the credit card, the applicant should go to the bank branch in the city where the billing address is located as soon as possible to go through the interview procedures.

If the applicant fails to complete the interview procedures in time, the bank will send another interview notification text message. If the interview time limit is exceeded, the credit card application will automatically expire. The applicant can automatically cut off the credit card and destroy it. There is no need to go to the bank to cancel the credit card.

Expand: Credit card

Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. 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.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Has the application for the China Construction Bank credit card waiting for interview been successful?

It means that your credit card pre-approval has been passed, and then you have to complete an interview procedure.

For the interview procedure, you only need to bring your ID card and your application code (which will be displayed when you check the approval progress through the CCB credit card website) to any outlet in the city where the billing address you filled in when applying for the card is located.

The interview procedure is very simple. The branch staff will not ask too many questions. They just ask you to sign to confirm that you are applying for the card. After the interview is completed, the card will be released unless there are special circumstances.

After the CCB credit card is officially approved, it usually takes about 3 working days for the new card to be sent out and received in about 10 days.

China Construction Bank (CCB, CCB) was established on October 1, 1954.

The head office is located at No. 25 Financial Street, Beijing. It is a large state-owned bank managed by the central government and one of the four major banks in China. China Construction Bank's main business areas include corporate banking, personal banking and treasury services. It has branches in Hong Kong, Taiwan, Melbourne and other places. It owns CCB Funds, CCB Leasing, CCB Trust, CCB Life, and Sino-German Housing. Sberbank, CCB Asia, CCB London, CCB Russia, CCB Dubai, CCB International and other subsidiaries provide customers with comprehensive financial services.

What does it mean to apply for a credit card online and wait for an interview?

Users apply for a bank’s first credit card through online channels. The card must be activated at an offline counter for an interview. Therefore, when applying for a card The progress will directly display the time to be interviewed. At this time, users only need to go to the nearest card-issuing bank branch or the agreed bank branch, bring their ID card, answer some questions and answers and complete the interview, so that the credit card can be used normally after activation.

For credit cards that users apply for directly through offline channels, there is also an interview step, so the application progress may also be displayed as waiting for interview.

Why does the credit card I applied for always show that it is pending for interview?

Credit card waiting for interview means that the credit card applied by the customer has passed the preliminary review, but still needs to be interviewed and is waiting to sign the agreement in person. However, not everyone who applies for a credit card needs to go through an interview. Many people who apply for a credit card at the counter of a bank branch will directly print and send the card after approval. But if you apply for a credit card online for the first time, you generally need to go through an interview. The reason why a credit card interview is required is that the bank needs to confirm the applicant's identity information. After the bank confirms that the applicant's identity information is accurate and the interview is passed, the credit card review is completed. Some banks will print and send the card to the customer before the interview. The customer will bring the card with them to the interview. If the customer passes the interview, they can directly go through the activation procedures and then use the card. Some banks will ask customers to go to the branch counter for an interview first. After the interview is passed, the card will be printed and sent to the customer. The customer can activate and use the card only after receiving the card. If you are applying for a credit card and require an interview, you must pay attention to keeping your clothes neat and tidy when you go to the bank for the interview, and you must answer questions clearly and accurately, and do not be vague or hesitant.

What is the process for applying for a credit card?

The process for applying for a credit card is as follows:

1. Apply for a credit card at a bank branch.

(1) Go to the bank to fill in the credit card application form and submit personal certification and other application materials. All information including income, position, etc. must be filled out truthfully in the application form.

(2) Waiting for bank approval. During the credit card review stage, users can go to the official website of their bank to check the progress of their credit card application.

(3) After the bank has approved it, the credit card will be sent to you by express delivery. If the review fails, you will also receive a message from the bank.

2. Apply for a credit card through the Internet, take China Merchants Bank as an example.

(1) Enter the official website of China Merchants Bank and click "Credit Card" to enter.

(2) After entering the China Merchants Bank All-in-One Card credit card interface, click "Apply for Card".

(3) Select the type of credit card you want to apply for and click "Apply Now". Fill in and complete your personal information as required and submit.

(4) Wait for the bank’s review. After passing the review, wait for the bank’s express delivery.

That’s it for the introduction of credit card waiting for interview.