1. If your application for a credit card is rejected immediately, you will receive a text message notification from the bank almost immediately. After the user submits the application materials, the bank enters the review stage. This stage usually takes about 15-30 working days. Therefore, as long as the user is rejected, a text message will be sent to notify the user after the review. The notification time will basically be the same as the time of application. The result is about the same time.

2. Therefore, users can just check the progress of card application directly, because sometimes the results will be released first, and the bank will send SMS notification a few days later.

1. General steps for applying for a credit card

The steps for applying for a credit card are to choose the bank where the card is issued, apply at a bank service outlet or online banking, and wait for the bank's approval. Obtain and activate physical cards. The criteria for applying for a credit card vary from bank to bank. The following are some similar criteria for applying for a credit card:

1. The applicant meets the bank's requirements for applying for a credit card

2. The applicant is between 18 and 65 years old; the applicant has a stable job and stable income, proving that the applicant has the ability to repay the loan in full;

3. Application The person's credit standards are excellent, confirming that the applicant will choose to repay the loan on time;

4. The applicant is a person with full capacity for civil conduct.

2. Will there be a text message notification if the credit card application is not approved?

No, there will be text message notification only after passing the application. Under normal circumstances, credit card business is approved by the secondary branches. After the approval is completed, it will be handed over to the credit card department of the head office for unified card production and mailing. And it usually takes one to two weeks to apply for a card, and the results will be available.

3. The reasons for failure may be:

1. There is a problem with your personal credit report, or the credit business cannot be afforded by your own income;

< p>2. The operating bank’s excessive number of credit card applications results in business accumulation. But since the branch said it has been submitted to the head office, there should be no problem. It should be received in the near future.

4. When there is no balance on the credit card, the user can choose to deposit some money before making the transaction. Because there is no amount of credit card, users can deposit cash and then swipe the credit card. They can get a certain amount of points for each purchase, and they can also enjoy the relevant preferential benefits of the credit card. After a period of time, the user applies for a limit increase. As long as the user uses the card within a reasonable range on a daily basis, the credit card amount will gradually increase. Users can also choose to cancel their credit cards, because credit cards without funds cannot be overdrawn.

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