Is it fast to apply for a credit card through WeChat?

When it comes to credit card application channels, many people will think of bank branches, online banking, etc. Now there is another fastest way to apply for a card, that is Apply via WeChat and apply for a credit card through WeChat. The speed is amazing. How fast can it be? Let’s find out together below.

As far as we know, all major banks have launched WeChat card application services. Mainstream banks such as Bank of Communications, Bank of China, CITIC, Shanghai Pudong Development Bank, China Guangfa, China Merchants Bank and other major banks particularly recommend this card application method. They can apply for cards through WeChat platform. Can complete credit card application, registration, review, certification and other services.

For applicants, there is no need to prepare complicated information in advance when applying for a credit card on WeChat. As long as they have a smartphone and are connected to the Internet, they can log in to the official WeChat page 24 hours a day to apply. The trouble of queuing at branches is not restricted by the application time and location. After submitting the application, you can also check the card application progress online.

For banks, when customers apply for a credit card through WeChat, the submitted information is submitted directly to the credit card center. This eliminates the need for electronic entry and data sorting of customer information, which also improves the efficiency to a certain extent. It improves the review efficiency and shortens the review time. Compared with applying for a card at the counter, this application method is undoubtedly very fast.

In addition to fast card application, the security of WeChat card application is also remarkable. All the information of the applicant is filled in online in a relatively private manner by the card applicant himself, and sufficient time is given for proofreading, which effectively avoids information leakage that the applicant may encounter when processing on agency websites and outlets.

In addition, in order to attract more customers to apply for cards through WeChat, many banks have launched preferential activities, some of which are physical gifts, and some of which give points. If you have friends who need to apply for a card, you can consider applying in this way. Card, and finally I will give you a step-by-step guide to applying for a WeChat card.

Steps to apply for a credit card on WeChat

1. Open WeChat and follow the bank’s credit card WeChat official account;

2. Enter the official account, find “Card Application” and open Application interface;

3. Select the credit card you want to apply for in the interface and fill in the application form according to the prompts.

4. Complete the information in the application form and submit it.

Tip:

After submitting, you can wait for the bank to verify the information and then approve the credit card. Because applying for a credit card through WeChat is also a type of online application, the bank will call back during the review process, so be sure not to miss the call from the bank, otherwise it will be easily rejected by the bank. .

Is the success rate of applying for a credit card (debit card) on WeChat high?

The success rate of applying for a credit card (debit card) on WeChat depends on your personal credit. The better the credit, the higher the success rate.

Because applying for a credit card (credit card) on WeChat is a purely online application, the bank can only judge personal qualifications through the card application information during review. Therefore, in order to avoid being rejected, the card application information must be ensured. Perfect and true. In addition, you must have a good credit report, otherwise no matter how good your financial strength is, it will be useless.

It is worth mentioning that if you want to ensure a high success rate in applying for a credit card (debit card), it is best to bring your personal identity document and additional proof of financial resources to apply at the bank branch counter or ask a salesperson to apply. card.

Does applying for a credit card on WeChat have a high success rate?

Applying for a credit card on WeChat is convenient and fast, and is favored by card friends. Generally, you can apply for a card through WeChat by following the bank's official account. After selecting a credit card, just fill in the application form on the application page and submit it. So, is the success rate of applying for a card through this method high? How can we improve the success rate of card application? Let’s find out together below.

The method of applying for a credit card on WeChat is very simple. There are mainly the following steps:

1. Open WeChat and follow the official account of the bank where you want to apply for the card. Take China CITIC Bank as an example. Pay attention to "CITIC Bank Credit Card".

2. After paying attention, enter the official account, find "Card Application·Instalment"-"Quick Card Application", and enter the card application activity area.

3. Select the type of card you want to apply for, then fill in your name, ID number, issuing authority and mobile phone number in the city where the card is issued, then enter the verification code and submit the application.

4. After submitting the application, the bank will evaluate it in real time and send the approval result information to your mobile phone immediately.

Is the success rate high?

You don’t need to provide any information to apply for a credit card on WeChat. You just need to fill in an application form on WeChat and submit it and wait for the bank’s review. However, this method of applying for a card cannot guarantee the success rate of card application.

It is good to apply for a credit card on WeChat without having to go back and forth to the bank. However, when applying for a credit card on WeChat, you still need to go through layers of review. Even after submitting the application on WeChat, the bank will call again. After asking various questions, the card applicant still has to go to the bank to submit various document procedures.

Finally, overall, the only advantage of applying for a credit card on WeChat is that it is faster. In terms of application, it does not seem to have much impact on whether the card application is successful. Whether the credit card can pass the review ultimately depends on the applicant. What is your credit and financial situation?

Although WeChat Credit Card cannot guarantee the card application rate, there is no doubt that this method of applying for a card is quite convenient. If you find it too troublesome to apply for a card at the counter, you can indeed consider this application. method. If you master some card application skills, you can also increase the success rate of card application.

How to improve the success rate?

1. Choose the appropriate card type according to your own conditions and requirements

Learn more about the credit card application conditions to be applied for, and choose a credit card that meets your own conditions and requirements. Generally, you can choose a gold card or a regular credit card. It is recommended to check the gold card. If the gold card is not approved, agree to apply for a regular card, so that even if you apply for a regular card, you can still upgrade by swiping the card.

2. Provide as detailed information as possible

If the submitted documents are incomplete, the address is not detailed, the correct contact number is not provided, the income/work certificate format is not compliant, and the property certification documents are inconsistent. If required, the application may be rejected. Therefore, when applying for a card, be patient and fill in the information in detail, and provide as many supporting documents as possible, which will reduce subsequent troubles.

3. Pay attention to answering credit inquiries calls

Some banks will patiently call for credit inquiries multiple times. Missing a call or two can make up for it; some banks may miss a credit call once or twice. The application was rejected, so be careful to answer the credit call after submitting the application.

That’s it for the introduction of whether it is easy to apply for a credit card on WeChat.