Credit card entry does not count as passing. After receiving the applicant's information, the bank's credit card center enters the applicant's application information. At this time, the relevant online check status shows that the entry has been entered. The relevant bank personnel or system still need to review it. You can check the credit card application progress by phone or official website. After the review is passed A text message or email will be sent to inform you.

What does it mean to apply for credit card entry

After receiving the card applicant’s information, the bank needs to enter various information data into the bank system. It is said that the current internal audits of banks are implemented in a "paperless" office. The bank scans the card applicant's information at high speed and generates image files.

The application form is then automatically divided into smaller image files based on different areas, and each small image only contains one item filled in by the applicant. What does it mean to apply for credit card entry? That is, the bank staff will enter the information you submitted into the credit card system. Each staff member can only be responsible for entering one item. For example, the staff who entered the ID number can only see the ID number.

Each small picture will be entered twice by two different staff members. If the content entered twice is the same, the content will be entered into the system. If the content is different twice, the small picture will be submitted. Re-identify it to a third person to ensure the accuracy of the entered information. When all the content on a credit card application form has been entered, the review process begins.

After applying for credit card entry, you will enter the review stage

1. Preliminary review

1. Electronic review

After applying for credit card entry, first electronically The system will evaluate the completeness of the information on the application form, and then use the personal information on the application form to determine whether the applicant meets the hard requirements such as age and income, and will automatically query the applicant's credit status in the personal credit system. For reference. After passing the initial electronic screening, the form will enter the manual review stage.

2. Manual review

First of all, the staff will reconfirm whether there are any missing items in the application form, whether the signature meets the requirements, whether the ID card is clear, etc., and secondly, the application form will be reviewed. The submission channel will be reviewed to determine the authenticity of the information in the application form.

2. Further review

The bank will analyze the applicant's historical data based on the principles of mathematical statistics and manual experience, and conduct a comprehensive evaluation and ranking of the applicants. Decide whether the applicant can finally be approved for a card and how much credit will be given.

When there is ambiguity between approval and disapproval in the system, manual approval will be returned again, and the most experienced approver in the bank will decide the final result.