The conditions for applying for a credit card have passed the machine review, and the rest will just wait for manual verification.

1. After the applicant submits a credit card application, the system will first evaluate the completeness of the information on the application form, and then determine whether the applicant meets the age and income requirements based on the personal information on the application form. and other conditions, and at the same time, the system will automatically query the applicant's credit status in the personal credit system.

2. After passing the preliminary review by the system, it will enter the manual review stage. The bank's approval staff will grab the work order from the work order pool and review it. First, the staff will reconfirm whether the information filled in the application form meets the requirements, and then determine whether the personal information filled in the application form is true.

3. After the manual preliminary review, the system will determine the classification of the application form based on the parameters generated by the preliminary review, and then determine which level of review process the application form will go through.

4. The bank will then evaluate and sort the applicants based on mathematical statistics and manual experience, and decide whether to approve a card for the applicant and what the card limit is.

Credit card declined:

In fact, although situations like this are relatively rare, they still happen, so it is not too strange. Generally, rejections are approved by the system, but banks also have business volume and the business does not meet the standards. The threshold may be lowered, and the rejected customers will be screened twice, and a manual call will be made to verify some information. Determine whether to approve the card based on the electronic review results.

If you are rejected and receive a call again, don’t think too much. Just answer whatever the customer service asks. They usually ask about the name of the workplace, address, position, etc. Answer according to the information filled in when applying for the card. That’s it, don’t give wrong answers, don’t hesitate, or answer questions that are not what you asked, otherwise you will really be out of luck.