It will take about a week. The credit review of Industrial Credit Card means that the credit card you are currently applying for is in the credit review stage. This stage is mainly to review whether you have any bad records. After the review is passed, the card will be printed and then issued. Let’s talk about the basic process of applying for Industrial Credit Card:

Open the application webpage, select the application area, and the system will list the types of credit cards that can be applied for in that area. Click Apply Now to enter the information filling page.

Be sure to fill in true and valid application information, and the bank will automatically identify it.

After filling out everything, just submit the form online. The system will automatically conduct a preliminary review. After the preliminary review is completed, it will be submitted to the local branch for further review.

The requirements for online application are basically the same as those for actual written application. You must be over 18 years old and have a stable job and repayment ability.

Normally speaking, the credit review of Industrial Credit Card usually takes three to five days. To apply for a credit card, you need to be at least 18 years old, and you can apply for a credit card if you have a stable income or other financial proof.

Credit card application conditions: The minimum application age stipulated by the bank is 18 years old, and the maximum application age is 60 years old; a second-generation ID card is required; a proof of employment and income certificate stamped with the financial seal of the unit; no bad delinquencies Credit record; other proof of financial resources, such as real estate, cars, stocks, bonds, etc.

Materials required to apply for a credit card: applicant’s personal ID card; credit card application form from the bank applying for it; proof of employment and income certificate stamped with the financial seal of the unit; individual private operators need an individual business license and the last three Monthly tax bill;

Other financial resources proof: income tax withholding certificate; copy of self-owned real estate certificate; copy of self-owned car driving license.

Credit card application process: fill in the application form; give the bank's personal information and a copy of the information; the bank sends it to the credit card center; the credit card center conducts review, prints and issues the card; after I get the card, I open it. Card, waiting for password letter.

As for the issue of telephone verification:

The main purpose of telephone verification is to verify the authenticity of my information, so the core of the electronic verification problem is still around the authenticity of my qualifications for applying for a credit card. For example, colleagues in the unit, business scope of the company, number of people, etc. all need to be verified.

The credit bureau will call your home phone number at most, and it will also call your company! They mainly ask if you work there, and they will also ask for your company address! If someone at your residence picks up the call, just say they know you! In addition to calling you to verify whether the bank's account manager is your relative, just answer truthfully.

If there are no mistakes in all your processes, you will be able to get the results if you wait patiently.

Chapter 3 Credit card application, loss report, card replacement and account cancellation

Article 8? Be 18 years or older, have full capacity for civil conduct, and have legal and stable income People with good credit card origin and good credit can apply to the Bank for a personal main credit card with their valid identity documents. The primary cardholder of a personal credit card can apply for a supplementary card for the designated natural person.

Article 9: Companies (or their authorized branches and affiliates), agencies, institutions, social groups and other organizations with independent legal person status that open basic accounts at financial institutions in China , you can apply for a corporate card from the Bank with the account opening license issued by the People's Bank of China and other information. Each unit can apply for several unit cards. The qualifications of the company card holder shall be designated and revoked in writing by the legal representative of the company or his authorized agent. The applicant unit shall bear all debts incurred by the unit card.

Article 10: This credit card is a real-name card.

When applying for this credit card, the applicant (applicant) should fill in the application form and submit relevant information correctly, completely and truthfully in accordance with the Bank's regulations, and sign a "Credit Card Acceptance Agreement" for the corresponding card type with the Bank; agree to the Bank's Consult and verify with relevant parties, and retain and use relevant information; when the applicant signs the application form (or the applicant unit stamps the official seal on the application form) for confirmation, it means agreeing to perform the application form and the corresponding "Credit Card Acceptance Agreement" and abide by the provisions of this Charter.

Article 11: On the premise of strictly controlling business risks, the Bank will decide whether to require the applicant (applicant unit) to apply for a loan based on the relevant regulations of the banking regulatory department and the credit status of the applicant (applicant unit). Provide guarantees and guarantees, whether to agree to the applicant's (applicant unit's) card application and determine the type of card, grant the applicant (applicant unit) different credit lines, and have the right to adjust them at any time based on their card usage. Regardless of whether the application is approved or not, the application materials will not be returned to the applicant (applicant unit).

Article 12: The ways in which the applicant (applicant unit) provides guarantee include: guarantee, mortgage and pledge, etc. The applicant (applicant unit) providing guarantee must sign a separate corresponding guarantee contract with the Bank.

Article 13: The validity period of this credit card shall be as stipulated in the "Credit Card Receipt Agreement" of the corresponding card type. It will automatically become invalid upon expiration. The creditor-debt relationship does not change due to the expiration of the credit card. If the cardholder (card holder) is unwilling to exchange for a new card when it expires, he should notify the Bank in writing or other forms approved by the Bank one month before the expiration of the credit card. Otherwise, the Bank will regard the cardholder (cardholder) as voluntarily replacing the card with a new one upon expiration.

Reference source: Industrial Bank-Instructions for applying for a credit card