Of course, Zheshang Bank, as a local commercial bank, has a relatively low application threshold and a relatively high pass rate. In order for Zheshang Bank to have a high credit card pass rate, applicants need to meet the application conditions.
What are the credit card application conditions of Zheshang Bank?
1. Applicants need to meet certain age conditions: 18 years old and under 65 years old. Once the applicant's age is not within this range, he can't apply for Zheshang Bank credit card.
2. The applicant must be a natural person with full capacity for civil conduct and hold a valid identity document.
3. The applicant needs to have good personal credit, and can't have overdue, cashing out or other bad behaviors. Relatively speaking, banks still pay more attention to the applicant's personal credit.
4. Applicants need to have a stable job and a legitimate source of income, ensure the repayment ability of credit card accounts, and provide work certificates and income certificates stamped with the official seal of the unit.
5. Applicants need to have a certain economic foundation and provide certain financial certificates to the bank, such as real estate license, automobile driving license, stocks, bonds, bank deposit certificates, etc.
Generally, credit cards can only get results so quickly if they apply online, and most bank online applications are rejected every second. After passing the preliminary examination, you can take your card with you, find a random outlet, and activate the face-to-face sign for normal use. Therefore, after the first trial is passed, there is basically no problem in activating the interview. However, some banks are also easily rejected when they face to face. Such as China Everbright and China Agricultural Bank.
If the channel for handling is not online application, then the preliminary examination is generally not conducted. Even if there is, you can't see it. Generally, after receiving the card, you can use it immediately by calling directly or activating the software. The credit card of the online application, even if it passes, cannot be opened by itself after getting the credit card. You need to go to the bank outlet for face-to-face, and then you can activate the password for normal consumption. The reason is that credit cards must meet the "three relatives". The so-called "three witnesses" means seeing the ID card with your own eyes, seeing the ID card with your own eyes and seeing the signature with your own eyes. This is an essential part of the credit card application. Therefore, it is not that it is approved after the first trial, but it is really approved after the face-to-face signing.
Because the current interview is very simple and just a process, everyone thinks that as long as the credit card passes the preliminary examination, it will basically be approved. But it is true that most banks do the same. If your credit card has passed the preliminary examination, just take it to any outlet for interview a few days after receiving it. There are generally three ways of face-to-face interview. One is that the teller activates your face-to-face interview, the other is that the lobby manager activates your face-to-face interview after verifying your ID card with pad, and the third is that the self-service face-to-face interview is activated through the VTM machine of the bank. No matter what kind of interview, it is basically a form now, but asking too many questions is just to make sure it's me. So in a sense, passing the preliminary examination is to approve the card.