time for approving the long-term loan of CITIC Bank
It usually takes about 1-2 days to approve the long-term loan of CITIC Bank, and the specific time required is also related to the completeness, truthfulness, personal qualification and credit status of the materials submitted by the applicant. Users need to submit personal identification (ID card), work certificate, income certificate, bank card and other related documents. The specific audit time shall be subject to the actual audit time.
Time of receipt of CITIC's long-term loan
Although the official propaganda of CITIC's long-term loan is that it will be received immediately, most users have to wait for a while to receive it. If the application is made during off-peak hours and the user's credit qualification conditions are good, the account will be received soon after the application is successful. Users who apply during peak hours, or during non-working hours, may be delayed or even arrive the next day.
Therefore, it doesn't matter if it passes the audit of CITIC Bank, even if it doesn't arrive immediately, as long as the final loan amount arrives.
New Express is a credit loan service provided by CITIC Bank's credit card to users who need money. The maximum amount is 3, yuan, which can be divided into 36 installments at the longest, which is suitable for long-term capital turnover. However, the review of the new express is becoming more and more strict. Even if the quota is set, the approval may be unsuccessful. Why?
1. Bad personal credit
Overdue and too many hard inquiries will lead to bad credit reporting and affect the approval result of Express. Therefore, if users want to improve the success rate of applying for loans, they'd better know their credit information through official website, the central bank, before submitting the application, and then submit the application after ensuring good credit, the success rate will be even higher!
2. Personal debt ratio is too high
To apply for CITIC Express, you must have certain repayment ability. For this reason, banks will generally check the credit report of users, and understand the overall debt situation of cardholders through monthly income and credit report. If there are too many credit products under the user name and the overall debt is high, the cardholder's repayment ability may be low, and the overdue risk will be high. In order to avoid the risk, the bank will not agree to grant loans. Therefore, it is recommended that you reduce the debt ratio to below 5% before submitting your application.
3. Policy reasons
The state has strengthened its control over cash lending business, and major banks have also responded to national policies and tightened their lending efforts. If users apply for loans at this time, they will definitely not pass the examination and approval. Therefore, users should also choose the right time when applying for loans, so as to ensure that they can apply for loans successfully.
4. The information is untrue
In order to get a more comprehensive understanding of users, banks generally require users to submit enough information to decide whether to grant loans. Therefore, many users will optimize their own information and then submit it, but I don't know that banks will verify it before lending money. If they find that the information submitted by users is inconsistent with the facts, in order to ensure the safety of funds, they will not only refuse to lend, but also may blacklist users and become bank users who refuse to contact.
When CITIC New Express submits a loan within the current quota, it will generally complete the approval within 2 days. If it does not receive a successful SMS during the period, 9% of it will be rejected. At that time, you can refer to the above content to find out the reasons for your failure in approval, or directly consult CITIC Customer Service to ask about the specific situation.