The steps of credit card approval are: preliminary examination, review, electronic review, face-to-face signing and activation.
Every link is very important. Must provide true and reliable information. The bank has the right to refuse the examination and approval if it finds false information when examining the applicant's information.
Credit card interview steps:
1. I took my card, the issuing bank, and my ID card was signed at the nearby Everbright Bank;
2. Face-to-face interviews need to verify identity information;
3. I will consult some filled-in materials;
4. Company name, address, address, landline, position, mobile phone number, emergency contact information, etc.
5. Go to the counter to activate after the interview;
6. After activation, you can safely eat.
After the credit card application is successful, you must repay it on time to avoid overdue.
The overdue credit card is a breach of contract, so it will tarnish personal trust, which is not conducive to the later bank lending business and produce overdue records in the credit report.
Consequences of overdue:
1, bear high penalty interest;
2. Causing legal disputes;
3. Leave a "credit stain" in the national credit information system.
The suggestions are as follows:
1, it must be made up immediately, and a part of the penalty interest must be paid. It is recommended to hand in more, so that the bad records can be cleared temporarily. If the payment is overdue for more than one month, the next repayment shall pay off the monthly payment for two months and the penalty interest for the previous month in one lump sum;
2. If there is no delay in the future, after one year, the computer will eliminate this bad record;
3. The repayment is postponed, but the repayment period will not be postponed, and only a bad record will be left forever;
4. Remember to pay off the previous monthly payment and penalty interest before the repayment period next month.