Many Guangfa Credit Card applicants and Kabaobao reported that after submitting their Guangfa Credit Card application to China Guangfa Bank, they did not receive a reply from the bank for a long time and were worried that their application would not pass. In fact, you don’t need to worry too much. Worried, I suggest you learn more about how Guangfa credit card applications are reviewed, and you will naturally understand that waiting after application is normal.

How is the application for Guangfa Credit Card reviewed?

Step One: Internal Bank Assessment

First, China Guangfa Bank will enter the applicant’s basic information into the internal assessment system and conduct a preliminary assessment. If the applicant has had business dealings with the bank before, such as applying for a debit card and credit card from Guangfa Bank, applying for a loan, purchasing financial products, etc., then Guangfa Bank will be able to know whether you are a high-quality customer of the bank. If you are a high-quality customer, your credit card will basically be approved in seconds.

Step 2: Check personal credit report

Guangfa Credit Card is a simple credit service. It can be said that there is no difference between applying for a credit card and applying for a loan, and Guangfa Bank will check the application. A person’s personal credit report.

It should be noted that in addition to overdue credit business, if there are too many credit inquiries, or utility bills are not paid on time, or there is a criminal record at the police station, the credit card will be affected. of approval.

Step Three: Personal Comprehensive Score

China Guangfa Bank’s credit scoring system will give a personal comprehensive score, and the level of the credit score will directly determine whether the bank will grant credit and whether it will grant credit. amount. Generally, the higher the credit score, the greater the chance that the cardholder will apply for the card, and the higher the credit limit obtained.

Step 4: Credit card holding status

Guangfa Bank in The applicant's credit status will be taken into consideration when approving a credit card. If the number of credit cards exceeds 5, it will be difficult to apply for a Guangfa credit card unless you are very qualified.

How long does it take for GF credit card information to be approved?

After the GF credit card is approved, it will take 3 to 7 working days for the customer to receive the credit card.

Because, after the Guangfa Bank credit card is approved, the card still needs to be produced. The card production time for Guangfa Bank credit card is generally 3 working days.

If the credit card delivery method is registered mail, it depends on the speed of the postal service. If you use the counter collection method, it will take about 7 working days.

Therefore, after applying for a Guangfa Credit Card, you only need to wait patiently for notification from the bank. If you are really anxious and want to know the application progress, you can call customer service or check the application progress of the Guangfa Credit Card online.