About 20 days, like the salesman said, 10 days and a half is pure fart. If you have found the information online, there is no problem for almost three days, but if you have applied for a credit card before, and because of municipal construction, your mobile phone number has changed or your home address has changed, and you can't remember the mobile phone number you applied for a credit card before, then you will definitely not pass. A colleague of mine did this a few years ago. Her salary card is the credit card of Bank of Communications. This year, the new mobile phone number applied by Bank of Communications is different, so

Second, what does credit user mean? How do loan users handle loans?

Nowadays, people often say that bad credit users generally refer to those who are blacklisted by banks because of violations of laws and regulations and cannot enjoy banking services. The generation of bad credit users is mostly related to credit card and loan business, and customers are blacklisted by banks for reasons such as refusing to repay. So if the user has loan demand, is there any way to solve it?

How do loan users handle loans? Bad credit users refer to personal accounts with bad personal credit, which have been blacklisted by banks for many times in the bank credit information system. However, it is often seen that lending institutions claim to help users get loans. Then, can users with poor credit information really get loans? First of all, in addition to banks, many small loan companies and loan intermediaries can lend money to loan users as appropriate. For example, some intermediaries can provide short-term demolition services for loan users. The loan term is generally 3-6 months, and interest is charged monthly, but the borrower needs collateral. The loan products of some institutions are specifically aimed at loan users or users with bad credit, so loan users need to find more loan institutions first. Secondly, the loan user can distinguish the authenticity of the loan from the operation. If the other party charges the applicant for various excuses, such as handling fees, deposits, service fees, etc. , and promised to have branches in major small and medium-sized cities all over the country, which can be handled all over the country. The loan amount can meet the requirements of the applicant, and it doesn't care about the qualifications of the applicant. Then it is a liar, so be careful! Specific method 1, find a loan company. There is no way to get a loan directly from the bank, but you can apply for a loan from a local loan company. The loan company may have certain channels to obtain certain funds for you, but you may have to pay higher loan fees accordingly; 2. Private lending. Private lending has almost no requirements for personal credit. Therefore, it is also possible to obtain funds from bank loan users and private lending. The cost of private lending varies, depending on where you borrow it. It should be reminded that if a user with poor credit information applies for a loan, the lending institution may increase the expected annualized interest rate of your loan or reduce your loan amount. It depends.

Three. Lu 12 what is a credit loan? What materials do individuals need to apply for credit loans? Hefei ...

Personal credit loan is a loan service based on personal credit and repayment ability. No mortgage or guarantee is required, but certain identity, address and income proof are required. At present, there are many institutions that can provide personal credit loans, such as major banks, China Merchants, ICBC and Ping An. And there are also some companies that specialize in small loans, such as Zhongan Xinye and CreditEase. Different institutions have different loan requirements, processes and approval quotas. Zhongan Xinye is the earliest personal credit lending institution in China, with many business outlets and good reputation. Take the following as ICBC, and the application conditions are as follows: 1, China citizens with permanent residence in China and permanent residence in local towns have full capacity for civil conduct; 2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule; 3. Abide by laws and regulations, and have no illegal acts and bad credit records; 4. Obtaining a personal credit rating above Grade A in China Industrial and Commercial Bank; 5. Open a personal settlement account in China Industrial and Commercial Bank; 6. Other conditions stipulated by the bank. In addition to the above basic conditions, borrowers who meet one of the following specific access conditions are special access customers for credit loans: (1) middle and senior managers and senior professional and technical personnel who are high-quality corporate customers of banks; (2) Personal assets of more than 2 million yuan (inclusive); (3) Peony Platinum Card customers; (4) Having held our personal wealth management account 1 year or more, and the average annual deposit balance of the account is more than 200,000 yuan (inclusive); (5) He is a personal loan customer of China Industrial and Commercial Bank, with a loan amount of more than 500,000 yuan (inclusive) and no record of default repayment for more than 2 years (including customers whose loans have been settled).