Why doesn't my construction credit card have a card

If my construction credit card doesn't have a card, it may be a virtual card.

1. Precautions for credit cards

1. Repay on time: After using a credit card, you must remember to repay on time. Once overdue, it will not only produce bad credit records, but also charge overdue penalty interest.

2. Don't swipe your card too often: Some people use credit cards frequently and the interval between swipes is short, so this behavior is easily controlled by banks.

3. Diversification of consumption: When using credit cards, cardholders should be diversified, not limited to one place, and they can swipe their cards in hotels, restaurants, shopping malls and other places. If you spend money in one place all the time, the bank will feel that the cardholder has no spending power and reduce the credit card.

second, credit card

a credit card, also known as a credit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).

how to apply for a credit card without receiving the card

many card friends were very happy when they learned that the credit card was approved, but they felt very strange after waiting for a long time without receiving the credit card. They called customer service and said that the card had been sent. So, what should I do if I don't receive my credit card? Let's analyze it for everyone.

after the credit card application is approved, the bank will make a card in two working days, and then mail the card to the receiving address filled in by the applicant after the card is successfully made. If there is no accident, the card will be received within 7-1 working days, but some card holders will not receive the credit card.

Why can't I get a credit card

Banks usually send credit cards in two ways, one is by registered mail, and the other is by express delivery. The delivery time varies according to the distance between the applicant and the card center, but it is usually within 2 weeks. If the applicant does not receive the card within 2 weeks, it is likely that there is a problem in the process of sending the card.

what should I do if I don't receive the card?

If I don't receive the card after applying for a credit card, the applicant can call the customer service phone of the issuing bank to check the delivery track of the card and see what happened.

if the query results show that delivery is being arranged, re-delivery is not done properly or delivery fails, it means that the credit card has arrived, but it is possible that there is something wrong with the address of the applicant, which leads to the delivery failure. In this case, the applicant can call the consultation number of the delivery post office and contact the courier to change the address.

if the delivery track cannot be found, the applicant can ask the issuing bank to resend a credit card.

in addition, the delivery address should not be the address of the company with the doorman. Generally speaking, it is more likely that the registered letter of such an address will be lost.

What's the reason why the credit card can't be processed?

What's the reason why the credit card application was rejected?

The reason why the user was refused to apply for various credit businesses in a short time; Personal credit reporting is bad, and there are overdue records in the credit reporting; Personal debt ratio is too high and repayment ability is insufficient; No stable job and income; Do not meet the age conditions for applying for a credit card; The user has been blacklisted by the bank.

in the above situation, the user's application for a credit card will be rejected, and the user must solve the problem first, and then apply for a credit card. Repeated application will only lead to the waste of personal credit information.

what are the reasons for not applying for a credit card?

1. Age does not meet the requirements: Generally speaking, if the user is 18 years old or above, he can apply for a credit card. However, some banks or some card types have strict requirements, and the requirements are between 22 and 23 years old.

2. Too many credit cards have been applied: because users apply for loans or credit cards with their current credit standing, the bank will have an upper limit on the estimated amount. Assuming that multiple credit cards have been applied for in the bank and the credit line is close to the upper limit, it is easy to be rejected if you apply again.

3. Personal repayment ability is average: credit card debts are repaid every month, so it is natural to require users to have a stable source of economic income. It's very difficult to apply for the "three noes" who have no job.

4. Credit information: If the user has been seriously overdue or has a high personal debt, it can be seen in the credit information report, and the bank will refuse it for risk reasons.

here are the credit card channels for Ping An Bank, China Merchants Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for them yourself if necessary!

Credit card applications from China Merchants Bank and Ping An Bank

Credit card applications from China Everbright Bank and China CITIC Bank

Credit card applications from Agricultural Bank and Minsheng Bank

What's wrong with ICBC's credit card that hasn't been received for more than a month?

What's wrong with ICBC's credit card that hasn't been received for more than a month?

You can call 95588 at the working bank to inquire about the application progress and card mailing, and you can check the mail manually.

1. The credit card has been processed for one month, and it is normal that it has not been received. You should report the loss to the bank immediately and reissue it. If someone else takes it to do something bad, if you get a new card after reporting the loss, you can destroy it or keep it after receiving it. If you don't receive it, there is nothing you can do.

2. Generally, it takes about 2-4 days from the time you submit the card application materials. The credit cards of domestic banks basically adopt the centralized management mode, that is, banks first set up their own credit card centers in a certain city. If residents of other cities in China apply for credit cards, they need to summarize the application forms to the card centers first, which will take several days.

3. The credit card center should review and file the credit card application materials of local cities after receiving them, which takes 15 days. Then there is making cards. Because of the high value of business card printing equipment, it is basically made by credit card centers of various banks in China. This process usually takes two days.

4. The last step is to send the card to the cardholder by registered mail, which usually takes 7 -15 days. Counting the possible delay between each link, it is normal to get the card in 4 days.

5. Moreover, ICBC's business card printing scale is small, and the review is slow. One month is a normal phenomenon, so you can work hard to urge it.

ICBC's credit card has been processed for one month, but it has not been received. Is it normal?

The credit card has been processed for one month, but it has not been received, which is a normal phenomenon. You should report the loss to the bank immediately and reissue it. If someone else takes it to do something bad, if you get a new card after reporting the loss, you can report the loss later. If you don't receive it, there is nothing you can do.

how long does it take to make the credit card of CCB? It's been a month and you haven't received it?

business card printing takes about 1 to 3 days, and the card will be received in about a week, and the mailing process takes about 3 days.

The time period for a card to enter the business card printing assembly line and be postmarked for delivery and mailing is less than 24 hours. In case of fist products (such as Longka automobile cards), they will be placed in the production list of the first batch every day to ensure that it can be completed within 8 hours at the earliest. The speed depends on the "CCB Post Office" stationed in the business card printing center. CCB Post Office is the only service point where postal services are stationed in the bank in China. In the postal processing link, the staff sort and package the outgoing mail on the spot, stamp and seal the bag on the spot, and then directly transport it to the letter processing center by the postal exclusive mail truck and send it to all parts of the country.

ICBC hasn't received the email number and how to handle the card for more than a month.

It usually takes about 2-4 days from the time you submit the card application materials.

Credit cards in domestic banks basically adopt the centralized management mode, that is, banks first set up their own credit card centers in a certain city. If residents in other cities in China apply for credit cards, they need to summarize the application forms to the

card center first. After receiving the credit card application materials from local cities, the credit card center should review and file, which takes 15 days. Then there is making cards. Because of the high value of business card printing equipment, it is basically made by credit card centers of various banks in China. This process usually takes two days. The last step is to send the card to the cardholder by registered mail, which usually takes 7

days to 15 days. Counting the possible delay between each link, it is normal to get the card in 4 days.

Hello, I haven't received a credit card for more than a month.

Professional answer: You can go to the credit card application progress query on the bank's credit card website and enter your ID number to find out whether the batch has been approved. If you don't understand, ask me again. Hehe

I have received a text message for more than a month, but the card has not been received.

In this case, please contact Ping An Bank's customer service and ask about sending it.

in case of delivery failure, immediately ask ping an to re-make the card and re-send it to the applicant.

my CCB credit card has been opened for more than a month, and I haven't received the password letter yet. I want to cancel this card. Do I need a password?

Of course, you can cancel your card after you open it. As long as your card is not a Yao Ming card or a car card, you can cancel it. Just call customer service. It's not that troublesome. It's very simple. Now CCB can also set a password on the phone. If you want to use it, you can call customer service with the home phone number or mobile phone number you left when you applied for the card, and set the password. If you don't want to use it, it's easy to cancel it directly.

has the bank of China credit card bill been received for more than a month?

I may have lost it. I called the special line of Bank of China at 95566 and asked to reissue it.

It's been more than a month since ICBC handled the card inquiry. Why hasn't there been any movement?

What did the staff say when they asked you for information? Did you provide all the information you should have provided?

if your information is complete, don't worry, it will definitely be done!

But the time is a bit long.

I suggest you go to the information office and ask the staff who will receive you when you handle it!

good luck!

Why didn't I get a credit card for the first time? What happened when I didn't get a credit card for the first time?

Many credit cards don't get it when I apply for it for the first time, and I don't know what happened. If you ask the bank staff, they certainly can't tell you the exact and specific reasons. What are the reasons for not getting a credit card for the first time? I will help you list them one by one today, and you can analyze them yourself!

1. Incomplete information or incorrect information provided

Credit card applications are generally rejected because of incomplete information or incorrect information provided. According to the bank, the comprehensive score is insufficient, which includes: your age, length of service, salary, education, position, personal property status, etc. The more information provided, the better. However, the authenticity and accuracy of the information must be guaranteed. The bank will verify the information provided by you, and it is absolutely impossible. In addition, the application materials of the four major state-owned banks need to be more complete, and generally they need to pay social security for more than half a year before they can get a card.

second, the nature of your job

the nature of your job determines your salary, including the level of salary and the stability of work income. For example, if your job is in a state-owned enterprise or institution, then the bank will be more agile and refreshing; If your job belongs to the nature of sales and venture capital, then the bank may have some concerns about the nature of your job, and the bank may directly reject your application because of the instability of your job and the uncertainty of salary income.

3. Bad credit reporting with overdue records

If you have a record of credit card consumption or other loans in the past, you have been overdue for many times or for a long time, and this record is included in your personal credit reporting system. Then the bank will definitely decide that you do not meet the requirements when reviewing your qualifications. Because credit investigation is a very important audit condition that must be taken into account.

Fourth, there are problems during the bank's return visit

After the application for credit card information is submitted, most banks will call for credit information, sometimes to your company, so it is necessary to ensure that someone will answer the phone you provide and cooperate with the bank staff to answer the information of the return visit. If no one answers the phone several times or the phone can't get through at all, the bank will think your information is untrue and refuse to pass.

5. The types of credit cards don't match

Some credit cards are for a specific group of people. Before applying, be sure to check whether you meet the requirements. Don't apply directly if you feel good. If the conditions don't match, banks won't issue cards.

if your bank credit card application is rejected, you can refer to the above reasons for investigation. Find out the conditions of the application before applying. If the conditions are obviously not met, there is no need to do nothing. However, if your own conditions are ok, you can apply to another bank after the application fails, and maybe you will pass.

Let's stop here for the introduction of how to handle a credit card without giving it.