I have passed the preliminary review of Everbright, is it difficult to get the final review?

For the final review of Everbright Credit Card, you need to check the central bank’s credit reporting system. If your personal credit record is good, the final review can be passed.

China Everbright Bank was established in August 1992. It is a national joint-stock commercial bank established with the approval of the State Council and the approval of the People's Bank of China. It is headquartered in Beijing. China Everbright Bank was listed on the Shanghai Stock Exchange in August 2010 and on the Hong Kong Stock Exchange in December 2013.

As of June 30, 2020, China Everbright Bank has established 1,290 branches in the country, achieving full coverage of the domestic provincial administrative regional service network, with institutional outlets radiating to 147 economic center cities across the country; Focus Wealth management strategy, Everbright Financial Management Co., Ltd. was officially listed and became the first wealth management subsidiary of a joint-stock commercial bank to open in the country.

Following the "One Belt and One Road" initiative of the Communist Party of China and accelerating its international layout, the Hong Kong Branch, China Everbright International, Seoul Branch, Everbright Europe, Luxembourg Branch, and Sydney Branch have been opened and operated one after another, and the Tokyo Representative Office The application for establishment has been approved by domestic and overseas regulatory agencies, and preparatory work is in progress; social responsibility is increasingly demonstrated.

The Everbright Credit Card has been sent to me. How long will it take for the bank’s final review?

If you pass the initial review and interview for the Everbright Bank credit card, you have a high chance of passing it. You can get the card in about three days after passing it. The Everbright Bank credit card interview is mainly for applicants to apply for a credit card online. According to the requirements of the regulatory authorities, the credit card application must be submitted and signed by the cardholder himself. When the applicant applies for a credit card online, the card-issuing bank obtains the information from the customer through the Internet. Therefore, it is impossible to determine whether the person submitting the application materials is the applicant himself. Therefore, in order to meet regulatory needs, after the applicant applies online, the card-issuing bank will send a text message to the applicant to inform him that he has passed the preliminary review, and he needs to bring his or her ID card to any branch of the card-issuing bank for an interview within the specified time. Generally, the Everbright Bank credit card interview is only to confirm the identity of the applicant, so you only need to bring your ID card to the bank. The bank staff will ask for some personal information of the applicant to confirm that you are the applicant. Information you need to bring for the Everbright Bank credit card interview: You need to bring your ID card, confirmation letter (sent to you with the credit card), and credit card to the bank for the Everbright Bank credit card interview.

Just go to the bank for an "interview". After all, the main purpose is to prove the identity of the applicant, so it is enough to have an ID card that can prove the identity. Everbright Bank credit card interview process: Everbright Bank credit card interview is basically a formal review, and the first instance is the substantive review. The central bank stipulates that credit cards must be reviewed in person by someone from the bank, and secondly, to confirm whether it is the person who applied for it and whether others will use the information to apply. So you must bring your ID card. Therefore, the general interview process is to go to the designated Everbright Bank branch in person and present the supporting documents you carry. The staff will ask some relevant information, and basically you can pass the interview.

After the initial review of Everbright Credit Card, the interview is ok! SMS reminder for final credit card review! Is there any other review required for the final review?

If you pass the initial review and interview, your card application rate will generally be higher. The final review is the backend review of the credit card center, such as credit report, asset status, etc.

If everything passes, you can receive the card within 15 working days. For details, you can directly call the credit card customer service phone number for consultation.

1. Review

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand.

The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

2. Card issuance

After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account for the cardholder at the issuing bank for settlement after shopping, consumption and cash withdrawal. .

3. Open a card

Since the credit card application is sent by mail, etc., there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card.

After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.

I applied for an Everbright Bank credit card and passed the preliminary and final review. Is it easy to pass the final review?

The final review is relatively easy. As long as you bring enough materials and your personal credit record is good, there will be no problem.

1. When checking the credit card of China Everbright Bank, it shows Approval, indicating that the submitted information is being reviewed and approved. There are two stages for the online application for China Everbright Bank credit card: pre-approval and final review.

1. If you pass the pre-approval, you must bring your original ID card and application materials as soon as possible and go to any Everbright Bank counter in person for final review. After passing the final review, you will be informed at that time whether you have passed the final review. /,

2. After passing the final review, the card will be sent by mail to the mailing address you filled in (for individual card types: the business travel card is collected through real-time card collection at that time. The card is activated in real time and can be used immediately. of).

2. Credit card review process:

Review the submitted materials: copy of identity document, original work certificate, original salary and income certificate, whether the application form is complete, if there are any deficiencies , reminder to add.

The proof of employment is the proof of the work unit you filled in at that time: work permit, or a written proof of employment stamped with a financial or personnel seal (someone has been in our unit since this date in several years and months - so-and-so Work in a certain unit and hold a certain position, hereby certify).

Enter the credit reporting stage: verify whether the customer's identity information is consistent with the ID card information database, and query the personal credit reporting system.

1. Telephone verification: Call the applicant and his/her unit to verify that his/her information and unit information are true and reliable.

2. After passing the review, a credit card will be sent.

3. The credit investigation failed. This is generally the reason. The specific reasons will not be displayed, and they are all reviewed by machines.

How long does it take for the final approval of Everbright Bank credit card?

It usually takes about 5 to 7 working days. The pass rate will be higher if you meet the processing conditions.

Credit card application conditions:

Age 18 and below 65 years old;

A second-generation ID card is required;

Proof of employment and income stamped with the company's financial seal;

No bad credit record;

Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.

Credit card application process:

Fill in the application form;

Give the bank personal information and a copy of the information;

Send it to the bank To the credit card center;

The credit card center will review, print and issue the card;

After I get the card, I will open it and wait for the password letter.

Being over 18 years old is a mandatory requirement for applying for a credit card. However, without proof of employment, it is easy to be rejected when applying for a credit card. Therefore, if you do not have an employer, it is best to have real estate or a car under your name. If you have fixed assets or a stable source of income, you can also go to the bank where the transaction occurs to obtain a bank statement and apply to the bank. If your income source is relatively stable, your application success rate is still very high.

Is the Everbright Credit Card going through the final review after the interview?

1. After the Everbright Credit Card passes the interview, it may still be rejected in the subsequent review. Therefore, even if the Everbright Credit Card passes the interview, the final review is not good. Passed. If you pass the interview but fail the final review, it is usually because the applicant's personal credit qualifications do not meet the requirements. For example, the income is too low, the job is unstable, the supporting documents are insufficient, etc.

2. In order to successfully pass the final review, it is recommended to prepare complete information during the interview, and then submit more financial proof. This will help pass the final review after passing the interview.