After a refund, it usually takes a few days to return to the bank. After arriving at the bank, it is usually recorded the next day. After the account is posted, it should be inquired in the unbilled bill. According to the application materials, the bank will review the applicant's various information and economic situation to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

Extended Data When a cardholder uses a credit card to make a large amount of consumption, the issuing bank will pay the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deduct the consumption funds from the cardholder's credit card account in stages according to the cardholder's application, and the cardholder will repay according to the monthly recorded amount.

In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan.

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