If a credit card application does not receive a callback, it does not necessarily mean that the card will be rejected. The callback is random, and not every applicant will be called back.
If you want to know the progress of your card application, you can apply for the bank's WeChat official account, or call the bank to check your card application progress and approval results.
The materials submitted when applying for a credit card must be complete and cannot contain incorrect information.
The bank's comprehensive score includes: age, length of service, salary, education, position, personal property status, etc. The more information you provide, the better, and the greater the chance of a successful credit card application. The applicant's basic conditions do not meet the credit card review requirements. Banks have age, work, and credit requirements for credit card applications. Generally, if you cannot successfully apply for a credit card, it must be that certain conditions are not met.
Methods to improve the credit card approval rate:
Provide a full range of application materials: when applying for a credit card, in addition to basic personal income proof, such as houses, cars, shares, etc. This funding is confirmed and available wherever possible.
Choose the appropriate method to apply for a credit card: There are many channels for applying for a credit card, such as online application, bank branch application, and liquidity branch application. Generally, do not apply online because it is easy without specific guidance from the staff. As a result, the information is incomplete and the bank cannot approve the card. However, if you apply at a bank branch, with the guidance of professional staff, the chance of successfully applying for the card is greater.
The process of applying for a credit card:
1. Prepare materials in advance: Users first go to the business branch of the bank where the card is issued and bring their personal identity documents and other information.
2. Apply for a card: At the bank counter, tell the staff that you want to apply for a credit card, check your favorite and suitable credit card type and level, and then make a clear application for the credit card to the bank staff.
3. Approval of qualification certificates: The bank will review and approve the applicant's qualifications. The review and approval work mainly focuses on the applicant's personal credit, the applicant's repayment ability, etc. After comprehensive appraisal, , the bank will decide whether to issue a card for the applicant.
4. Release the card: After approval, the bank will send a corresponding notice and inform the user of the estimated delivery time of the credit card. After the applicant obtains the card, the activated card can be used.