In the daily process of applying for a credit card, I found that people often have the following confusions, so I have organized them below for people to watch anytime and anywhere, so that our problems can be dealt with in a more timely manner. .

1. How to correct incorrect information when applying?

2. What should I do if the real-name authentication information is not filled in?

If you do not fill in the real-name authentication information, you will certainly not be able to apply for a credit card. You must enter the page again and fill in the real-name authentication information.

3. Is there an annual credit card fee for a credit card?

According to the selected card issuer and its credit card type, the application will be marked to remind everyone to read the information carefully when applying for a credit card!

4. How to check the progress of credit card application?

1. Log in to the official website of the bank where you applied, and you can view it after logging in.

5. Has the credit card been delivered to your home? How to check the courier information for credit card mailing?

The review time generally does not exceed 25 working days. When the credit card is issued, the bank will send the information to your reserved mobile phone. Once you receive the text message, you should receive your credit card in about a week. (Depends on the region)

6. Why is the credit card application not approved?

There are many situations in which a credit card application may be declined. It is recommended to call online customer service to determine the reason for rejection, and then change the application based on the reason.

General reasons for rejection:

1. The applicant does not meet the most important criteria for applying for a card, such as age. Generally, you can apply if you are under 60 years old, exceed the bank's limit, do not have a stable fixed income, and cannot prove your ability to repay the loan.

2. Have a bad credit record. If the applicant has a credit card loan overdue or loan overdue record, and there is a bad credit record in the credit reporting system, it will be very difficult to apply for a credit card again.

3. Personal credit white account loan. People who apply for a credit card for the first time do not have a past personal credit record, so it is difficult for banks to identify their personal credit, so it is very easy to be rejected when applying for a credit card.

7. Can I change my credit card type after my application is processed?

It can’t be changed! Unless your application is rejected. Be careful when choosing your credit card type! You can start from these aspects:

1. Credit card annual fee. If you feel that annual credit card fees are unnecessary, choose a credit card with a small annual fee or a credit card with a reduced annual fee.

2. Welfare. Some banks have many credit card offers. There is a theme event every three days, such as buying a movie at a good price and doubling your points.

3. Fashionable, some credit cards can be designed or chosen by yourself. Just customize the card face or card number.

4. Convenience. If you want to have more business outlets, you can choose a state-owned bank or a bank such as Bank of Communications to apply.

5. Well-known brands. Now, many merchant services have partnered with banks to issue their co-branded credit cards. You can also choose this credit card if you like. There are many types of credit cards. You must be careful when filling in the information and it must match the type of credit card.

6. Withdrawal amount. Different card issuers have different regulations on cash withdrawal limits. For details, please see the previous issue #Very Practical Credit Card Withdrawal Tips - Today

8. How to check the credit limit of a credit card? When will I know my credit limit on my credit card?

Combing method:

1. A very simple and quick method. Users can inquire about their personal credit limit by calling the bank's customer service hotline and be assured of their true identity and credit card information.

2. A relatively simple and convenient method. Users can check their personal credit limit by logging into the bank's official website and entering their real identity information.

3. SMS inquiry: Most banks have opened personal credit limit SMS inquiry services. Users only need to use the mobile phone number reserved by the bank and push the specific content designated by the bank to the bank's service item number to check the credit limit.

4. Service desk inquiry: Users can also inquire at the service desk, but they have to queue up to get the number.

5. Transaction inquiry: Your credit card limit is listed on the credit card receipt received every month.

Generally, you can check it once you receive the credit card, but it depends on the card issuing bank.

Nine. What should I do if my credit card withdrawal fails?

Common reasons:

1. The credit limit is limited; cash withdrawal by credit card does not mean that there is a clear credit limit. Generally speaking, the cash withdrawal credit limit is only a portion of the credit card available.

2. The credit card is abnormal; the credit card is stopped, frozen, or deactivated. Such a thing usually doesn't work, and it can't be done in practice.

3. Press the wrong payment password; in actual operation, if you press the wrong payment password three times in a row, you will definitely be unable to withdraw money and may be swallowed.

4. Software problems in the banking system; bank updates, common failures of ATM machines, etc. It will also cause the withdrawal to be unsuccessful.

X. How do I cancel my credit card?

The appropriate method is as follows:

1. Before canceling the card, settle the loan on the credit card.

2. Call the card-issuing bank’s customer service hotline, or immediately go to the card-issuing bank’s service desk with your valid personal ID to cancel the card.

3. Under normal circumstances, the card return period is 45 days. After 45 days, users can call the customer service hotline to check the account cancellation status. If it is determined that the account cancellation is successful, the user should cut up the credit card and do not throw it away! Related Q&A: I applied for Everbright Credit Card a few days ago, but then it failed to pass the review. Today, I was sent a message asking me to go to the bank for an interview. What happened? How did you get the information that you failed to pass the review? Inquiries through third-party channels may not be accurate. Credit card applications are basically based on bank text messages. You can call the bank’s customer service number to confirm