Users need to contact the customer service of the relevant bank in time to inquire about the specific reasons for the failure of credit card review. After the user's credit card has been approved by the bank, he must go to the business outlets of the relevant banks for face-to-face signing. Only when the face-to-face signing is passed will the relevant bank issue cards. Users need to activate their credit cards in time. When the number of times users swipe their cards meets the requirements of the bank, the bank will waive the annual credit card fee for the next year. After the credit card is approved, the bank will send a short message to the user, and the user can go to the courier company to check the credit card mailing progress with the courier number.
1. The general application method is to fill in the credit card application form. The contents of the application form generally include the applicant's name, basic information, economic status or income source, guarantor and its basic information, etc. , and submit some certificates and copies of certificates to the publisher. After truthfully filling out the credit card application form according to the contents of the application form, the completed application form should be submitted together with relevant credit certificates. The application form is attached to the credit card use contract. The applicant authorizes the issuer or relevant departments to investigate its relevant information and submit a statement on the authenticity of the information and the privacy protection policy of the issuer, which shall be signed by the applicant. Credit cards are usually used only by the cardholder himself. Lending them to others usually violates the use contract.
2. Strictly examine credit card applicants and strengthen risk prevention and control under the following circumstances: keep relevant suspicious information or criminal records in the identity information system; There is no credit record in the credit information system; The credit information system has a bad record; There are a large number of bank loans or credit card credit records in the credit information system; This unit handles business travel cards and business shopping cards on its behalf; Risk information obtained from other sources. In the information age of the Internet, the Internet is increasingly accepted by young people. The handling of letters of credit is not listed in tabular form. Credit cards are handled online. In general, you can fill in the required information. However, it is generally necessary to activate the network after processing. Credit card applicants are mostly citizens with full capacity for civil conduct (18-Chinese mainland citizens over the age of 60), who have a certain direct source of income.
3. Handling a bank credit card: As long as the applicant works in the company (that is, has a direct source of income) and is over the age of 18-60, he can issue a work certificate and income certificate to the bank (at present, Guangfa Credit Card does not need a work permit, so long as the cardholder attends classes in one place, he can contact the card clerk to handle the Guangfa Bank credit card on the spot), and he can repay and handle it on time. Domestic residents need to provide: a complete and signed application form, identity certificate and income certificate; Foreigners and Hong Kong, Macao and Taiwan personnel also need to provide: foreigner residence permit (the purpose of residence must be employment) or foreigner/Hong Kong, Macao and Taiwan employment permit; If it is a private owner, in addition to the above information, you must also provide a copy of the business license, indicating the name of the applicant, the name of the enterprise, and the start date (this premise requires that you are the legal representative).
4. Online application: generally within 20 working days. If it is the first time to apply for a card, it usually takes about 10 working days. However, if there is a verification screen, it may be completed within five working days. Website application: generally 5 working days to complete the review. New customers need to go to the bank outlets for face-to-face interviews, and the review will be completed within 2 working days after the face-to-face interviews. Mobile banking application: If it is a mobile banking application, the review time is relatively short, about 1-2 weeks. If it is a mobile network application, the longest review time is 5 working days. After the credit card application materials are submitted, they will first be submitted to the audit department of the credit card center of the issuing bank. The audit department will score according to the applicant's personal situation. This process usually takes 10 working days. If approved, the issuing bank will make a card for the cardholder within two working days, and then send the credit card by registered mail or express delivery. Registered mail usually arrives in about 0/5 days, and express delivery usually takes about 5 days.