What is the second audit of credit card?
As we know, the preliminary examination of credit card is a process of reviewing the basic information and personal credit information of the applicant. Usually, the bank will call to verify the information, and after passing it, it will ask for a face-to-face signing, so that the applicant can go to the bank outlet to sign and confirm that the card has been processed, and submit relevant information, and then review the information. This is the second trial.
Simply put, it is the process that the bank staff confirms the identity of the applicant and personally checks the applicant's information, which is the key to deciding whether to approve the card. Some banks succeed in the second trial after face-to-face signing, but some banks still need the final review after face-to-face signing, and get the results as soon as possible, otherwise it will take 2~3 days.
It should be noted that if the applicant's ID number, household registration address, name, etc. It has been changed, and the second trial will be stricter, and the second trial may not be passed. Especially in Guangfa Bank, there are many people stuck in the second instance. It is suggested that the second trial should provide sufficient financial proof and bank flow, and the pass rate may be slightly higher.
Do I need to cancel my credit card if I fail the second trial?
Some banks will issue cards after passing the first trial, and they can activate the cards themselves after passing the second trial. However, if the second trial fails and the credit card application is rejected, the credit card already received will naturally be useless, because there is no need to cancel it if the application is unsuccessful.
However, for the sake of personal information security, it is best to cut the credit card directly to avoid personal information leakage caused by the loss of the card.