I applied for it at a bank, how do I check whether the credit card application was successful
When applying for a credit card, you can check the progress of the card and the current status of the card through a variety of channels, including but not limited to online You can make inquiries, make inquiries by phone, or go to a branch to inquire, but the first two methods are the most convenient and quickest.
1. It is more intuitive to check the progress online. Many banks can check the progress through the WeChat official account or official website. Choose any method to open the progress check page and enter the ID card reserved when applying for the card. Use your mobile phone number to obtain the verification code, and click Query to check the card application progress. If the card is displayed, it means that the card application has been successful.
2. For telephone inquiries, you generally need to use the mobile phone number reserved when applying for the card, call the service hotline of the bank where the card was issued, and enter the corresponding key numbers according to the voice prompts; or directly transfer to manual customer service. Please provide the ID number you used when applying for the card and let customer service help you check it.
Please note that after submitting a credit card application, it is not always possible to check the progress in time. For credit cards applied online, it is recommended to check 3 days after application. The result is usually available within 7 working days. . Regardless of whether they are approved or not, the applicant will receive a text message from the bank.
If you apply online for the first time and have been approved for a credit card, you must also be prepared for an interview. This is the most critical step in credit card application. Only when the interview is successful can the application be considered successful. Otherwise, it will be considered successful. Even if the card interview fails, the credit card will still be invalidated, and the card cannot be activated for use.
How to check the progress of Bank of China Credit Card application
You can check the progress of credit card application through Bank of China Credit Card WeChat official account, Colorful Life APP, customer service hotline and other channels. If there is no review for a long time As a result, or you have not received the card, it is recommended that you call the customer service hotline to check.
The above content is for your reference, please refer to actual business regulations.
How to check the progress of credit card processing?
As we all know, individuals who are 18 to 65 years old, have full civil capacity, have legal and stable sources of income, and have good credit can apply for a credit card. Anyone can apply for a credit card. But whether the card can be successfully approved in the end depends on the person. From the mouths of many card gods, we know that these five types of people are more likely to be approved for credit cards.
When banks approve credit cards, they will score them based on the applicant's qualifications. The higher the score, the easier it is to approve the card. Generally speaking, applicants who meet the following characteristics will not have a very low score.
1. Have a sustained and stable income
In other words, a stable job. Whether the job is stable and whether there is income can reflect whether the applicant has the ability to repay the loan. However, each bank has different views on this income stability.
For example, for the four major state-owned banks, for them, those with stable jobs are generally employees of public institutions or state-owned enterprises, or employees of Fortune 500 companies. The jobs of these people are quite stable. , the income is also higher than ordinary people, and the repayment ability cannot be underestimated.
But for joint-stock commercial banks, as long as there is a job, income, and working hours of more than 3 months, it is equivalent to stability. Generally, they are not very picky about the applicant’s work unit, as long as If you are not a person in a high-risk occupation, it is still relatively easy to get stuck.
2. People with large deposits in the bank
People who have large deposits of more than 50,000 in the bank are generally high-quality customers of the bank. In the eyes of the bank, these people have deposits. , so there is no need to worry about their repayment ability. In addition to applying for credit cards on their own initiative, such people will also be invited by banks to apply for cards.
So, if you want to apply for a credit card from a certain bank, it is also a common method to open an account at that bank and save money to buy financial products.
3. College students and other highly educated groups
In fact, China Merchants Bank was the first to open the credit card market for college students. At least before 2010, when college students first came into contact with credit cards, only China Merchants Bank China Construction Bank approves cards for college students.
So, if you are a college student, it is generally easier to apply for credit cards from these two banks.
4. Have a mortgage loan in a bank
If you have a mortgage loan from a bank, it is easy to apply for its credit card, and the limit is at least 10,000. If you want to apply for a state-owned credit card For credit cards from the four major banks, you can try this method.
Some cardholders reported that they got a mortgage from China Construction Bank, applied for a CCB credit card online, and got a gold card with a limit of 10,000 yuan.
Of course, these four situations do not necessarily mean you can apply for a credit card. These are just common situations.
If you want to apply for a credit card quickly, the second one among the three situations that is most likely to meet the conditions is that you have a deposit in the bank. As for how much deposit each bank requires, it is recommended that it be more than 50,000. , after all, banks do not look down upon deposits below 50,000.
How to check the progress of credit card application
Check online. This is a relatively simple query method. The user uses a computer to enter the bank's official website, find the credit card progress query entrance, and click to enter. At this point, enter your ID number to check the progress of your credit card application.
Inquiry at the bank counter. Users can bring their ID cards to local bank branches to check the progress of credit card applications. Of course, this method is relatively cumbersome and wastes a long time. Therefore, if users use this method to query, it is best to choose a free time.
Telephone inquiries. Users can also make inquiries by calling the bank's customer service hotline and follow the voice prompts. This query method is relatively convenient.
In addition to the above query methods, many banks can now also query through WeChat official accounts. Users can use their mobile phones to follow the official account of the relevant bank to see if there is an entrance to check the progress of credit card application. If there is, just click to enter and enter the relevant information to query.
Check the progress of credit card application
Generally, banks will open the following two ways to check the progress of credit card application: 1. Call the bank’s credit card customer service number to check: call the customer service of the bank where you applied for the credit card. Phone, follow the manual voice prompts, and you can query. 2. Log in to the website of the bank you are applying for, click on the credit card to enter the credit card channel. Find the entrance to check the progress of credit card processing and enter your ID number to check.
In addition to the above two methods of checking the progress of card application, some banks have also launched WeChat public accounts, apps and other channels for checking the progress of card application. When applying for a credit card, you can ask the staff whether there are corresponding channels opened. .
To apply for a credit card, you must be between 18 and 70 years old, have full capacity for civil conduct, have a stable career and income, have good credit status, and have the ability to repay on time, including within the territory of our country Foreigners and compatriots from Hong Kong, Macao and Taiwan with fixed occupations and residences can apply for credit cards.
That’s it for the introduction of how to check the credit card progress.