1. When applying for a China Merchants Bank credit card, I received a text message saying that my card passed the preliminary review and asked me to go to the business hall to sign for confirmation. Can I get the card immediately after signing?
Under normal circumstances, signing at the counter for confirmation means that the credit card review has been passed. After the credit card is issued, the bank will issue the card within two working days and send it by registered mail. It usually takes about one to two weeks to receive it.
Review:
After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.
Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .
: Card issuance:
After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account for the cardholder at the card-issuing bank for shopping, consumption and cash withdrawal. Settlement.
Card opening:
Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched.
Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the card is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card.
After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.
Credit Card Baidu Encyclopedia
2. China Merchants Bank sent a text message saying that the preliminary review has been passed, and asked to go to the bank to sign for confirmation
If you do not go to the bank for an interview, the application cannot be successful.
After our bank’s credit card promoters receive your application information, they will transfer it to the credit card center review department. It generally takes 10 working days from the review department receiving your application information to the completion of the credit card review. . If approved, the card will be printed and sent within 2 working days. A text message will be sent to notify you of the card delivery the next day. You can check the card delivery progress 2-3 working days after receiving the text message. The card is sent by registered mail by default. Delivered to the customer's billing address, usually within 15 days.
3. China Merchants Bank sent a message saying that the credit card I applied for passed the preliminary review and asked me to go to the bank to sign for confirmation. What does this mean?
According to the information in the text message, you can go to the bank with all the relevant documents required by the text message. If you want to be cautious, you can also call China Merchants Bank using the mobile phone number you received the text message to confirm before going. The bank customer service can check the text message, and it will be safer to go through the process after confirming that there is no problem.
4. China Merchants Bank sent a text message saying that the preliminary review has been passed, and asked to go to the bank to sign for confirmation. If you apply for a China Merchants Bank credit card, you need to bring the original ID card to the city where the application is located (except for online processing and professional version application) Handle interviews at the counter.
Passing the initial review by the system will trigger an invitation SMS message for an interview. The interview is valid for 30 days. Failure to do so will result in automatic abandonment of the credit card application.
And you cannot submit the letter again online within 90 days
After the card is issued, you can apply for a second card. You can apply online or refill the application form (no other fees will be incurred except the annual fee). You can continue to provide proof of employment and identity documents before the card expires. Generally, you can check the application progress within 5 working days.
I chose the wrong card type at that time, and I didn’t like that kind of card. I didn’t expect that now I have passed the preliminary review, what should I do?,