It usually takes 7- 15 days. After the approval, the card will be issued within 2 working days, and then sent by registered mail or express delivery according to the billing address. Generally, the sending time of registered letter is within 15 days, and that of express delivery is within 10 days.
General process of credit card audit:
1. Review the submitted materials: whether the copy of ID card, original work certificate, original salary income certificate and application form are complete, and remind them to supplement if there are any deficiencies;
2. Enter the credit information stage: verify whether the customer identity information is consistent with the ID card information base, and query the personal credit information system;
3. Telephone verification: call the applicant himself and his unit to verify that his information and unit information are true and reliable;
4. Send a credit card if you pass the exam;
5. By default, cards are sent by registered mail. If you need to specify other courier, you need to contact the credit card center before issuing the card to make up the courier price difference. If it doesn't pass, call or send a message.
Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.
Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units. It is a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
A real credit card has the following characteristics: cash is not allowed to be pre-deposited, it is paid after consumption, it enjoys an interest-free repayment period, and it can be repaid in installments (with a minimum repayment amount). Joining international credit card organizations such as VISA and MASTER can be used worldwide.
May I ask the Bank of Communications about the credit card application process?
First, the network card:
(1) Application: Bring relevant materials to Bank of Communications outlets and submit a card application;
(2) Review the application: the staff will review the application materials and application forms;
(3) Making a credit card: After approval, making a credit card;
(4) Send the card: After making, send the card to the applicant.
Second, official website, mobile banking or WeChat official account card:
(1) Submit application materials: the applicant logs into the official account of Bank of Communications official website, Mobile Banking or WeChat, finds the functional options for applying for a card, clicks Enter, selects an appropriate credit card, clicks Apply Now, and fills in various application materials.
(2) The bank conducts the preliminary examination: the banking system and staff review the online application materials.
(3) Call back: During the review, the staff will call back some applicants, mainly to confirm whether the information is valid and true, and inform them when to sign in person.
(4) Face-to-face interview process: the applicant will go to the Bank of Communications outlets for face-to-face interview on time and answer the staff's questions seriously.
(5) Making credit cards: After the face-to-face interview, the Bank of Communications Credit Card Center will make credit cards.
(6) Send the card: After the production is completed, send the credit card to the applicant.