How long does it usually take for CCB credit card approval?
CCB credit card approval*** takes about 25 working days. It is recommended to apply for a credit card at an outlet. Since it involves the step-by-step submission of application materials, it takes about 3 weeks from when the customer submits the information to when it is displayed online. If it does not appear after checking within a few days, just wait patiently for a while.
The main business of China Construction Bank
China Construction Bank provides credit loans, resident savings deposits, foreign exchange business, credit card business, as well as policy housing reform finance and personal housing mortgage loans and other businesses. .
Credit card business
China Construction Bank, as one of the earliest state-owned banks in China to issue credit cards, already has many credit card types.
CCB Credit Card
The credit cards that China Construction Bank has issued are all named "Dragon Card". The types of Dragon Cards that have been publicly issued include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, CCB VISA Ming Card, eLong Changxing Dragon Card, Mango Travel Dragon Card, Dragon Card (Cup) Tennis Card.
Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc.
Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes.
Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.
The methods for checking the balance of CCB bank cards are:
1. Branch inquiry:
Card holders bring their ID cards and bank cards to any CCB business office , submit an application to check the balance to the staff, and you can check it after verifying your personal identity.
2. ATM teller machine query:
Card holders can bring their bank cards to the ATM teller machine, insert the card into the ATM teller machine, enter the password, and follow the operation prompts to query.
3. Customer service telephone inquiry:
Cardholders can call the CCB customer service center at 95533, follow the phone voice prompts to select manual service, and inquire with the help of the staff.
4. Online banking inquiry:
Cardholders can log in to the official website of China Construction Bank (), log in to their personal online banking account, and check their bank balance on the personal bank card interface.
How long does it usually take for CCB credit card approval?
Apply for a credit card through self-service channels such as the "China Construction Bank" WeChat official account. For existing card customers, it takes about 5 working days from application to mailing of the card. If the new customer is approved (the general approval time is 10 days), he or she will receive an interview text message and a card letter will be received after 3-5 working days. Within 180 natural days, the new customer must present the text message, credit card and original ID card to a CCB outlet for an interview ( Among them, mobile banking customers with second-generation ID cards can conduct interviews on mobile banking). Follow the "China Construction Bank" official account through mobile banking or WeChat to know the progress of card application in real time.
(In case of business changes, please refer to the actual situation.)
How long does it take to apply for a CCB credit card?
After the applicant submits the information, the CCB Credit Card Center will The applicant's qualification review generally takes 3 to 7 working days, and there may be a telephone interview during the review process. If it passes the review, China Construction Bank will notify the head office to produce the card. After the card is successfully produced, the card will be sent by registered postal mail. It will take about 3 to 7 working days to receive the card.
The credit card must have at least the following information: front: name and logo of the issuing bank, credit card number (organization logo) and holographic anti-counterfeiting mark, name in English or Pinyin, activation date (usually calculated to month), The validity date (usually calculated in months), the latest issued card has a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts.
Back: card magnetic stripe, cardholder signature field (must sign after activation), service hotline number, last four digits or all of the number (to prevent fraudulent use), credit card security code (on the signature field on the back of the credit card, followed by The three digits after the last four digits are used for credit card activation, password management, TV, telephone and online transactions, etc.). The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.
After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature. Credit card review: The bank will determine 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. .
How long does it take to apply for a CCB credit card?
It usually takes about 1 month to 40 days from applying for a CCB credit card to receiving the card.
1. Submit the application form on the official website of China Construction Bank. The official website will generally submit it to the credit card review department in about a week, and the review department will take about 10 days to review.
2. It will be processed in the business hall, and the review department will take about 15 days to review.
3. There is a three-day card production period after the review. If the three-day card is successfully mailed, it will be sent by China Post registered mail. It will take about 7-15 days to arrive at the applicant's mailing address.
The conditions and required information for applying for a China Construction Bank credit card are as follows:
1. Applicants must meet the following conditions
Anyone who has full civil capacity and repayment ability Natural persons can apply for a personal master card with their valid identity documents and relevant supporting documents.
The main card applicant can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct (must obtain permission from their legal representatives). Each main card can apply for up to three supplementary cards. The main cardholder can apply to cancel the supplementary card at any time.
2. Information that credit card applicants need to provide
1. If the applicant has a local household registration, he/she must also provide:
①Copy of ID card .
②Proof of financial resources: including proof of income or proof of personal assets or proof of professional qualifications, including:
--Proof of income (including any material)
From Copies of personal income tax withholding vouchers or tax payment certificates for the past three months from the date of application.
Copies of social insurance policies for the last three months from the date of application.
Copies of provident fund payment records or payment lists for the past three months from the date of application.
Proof of personal assets (including any materials).
Copy of the local real estate certificate whose property rights belong to you or others.
Copy of the house/car purchase invoice.
Copy of motor vehicle driving license of the People's Republic of China.
Copy of China Construction Bank savings passbook or deposit receipt.
Professional qualification certificate (including any material).
For example: copies of professional qualification certificates assessed or recognized by national authoritative departments, including certified public accountants, certified auditors, lawyer certificates, etc.
2. If the applicant is not registered locally, he/she must also provide:
①Copy of ID card;
②Proof of financial resources (same as above);
③Stability proof.
Copy of the card-issuing bank’s local property certificate.
Copy of social insurance policy.
Copy of full-time undergraduate degree or above/degree certificate.
3. If the applicant is an overseas person (including compatriots from Hong Kong, Macao, Taiwan and foreigners), he/she must also provide:
①Copy of ID card;
Foreigners provide a copy of their passport.
Residents of Hong Kong and Macao must provide a copy of the Mainland Travel Permit for Hong Kong and Macao.
Taiwan area residents should provide a copy of the 5-year mainland travel permit for Taiwan residents.
② "Foreigner's Permanent Residence Certificate" or deposit (minimum deposit amount is 5,000 yuan).
How long does it take to review a CCB credit card? The three methods have different times
To apply for a credit card, you have to submit all the information and materials, and then there is a relatively long waiting period. The review time for each bank's credit card is different, so how long does it take for CCB's credit card review? The way to apply for a card is different, and the review time is also different.
How long does it take for CCB credit card review? The review time is divided into three situations (the following times are all provided when the information is complete and meets the requirements):
1. Official website application
If you already have a CCB credit card, the review will generally be completed within 5 working days, and the card will be sent out within 3 working days after the review is passed;
If you do not have a CCB credit card , First of all, the mobile phone number reserved by the applicant will receive the interview information. The review will be completed in approximately 2 working days after the successful interview. The card will be sent within 3 working days after the review is passed.
2. Mobile banking application
If you already have a CCB credit card, the review will generally be completed within 5 working days. After the review is passed, the application will be sent within 3 working days. Issue the card;
If you do not have a CCB credit card, first of all, the mobile phone number reserved by the applicant will receive the interview information. The review will be completed in about 2 working days after the successful interview. After the review is passed, Cards will be sent within 3 working days.
3. Application processing at bank outlets
The processing time for magnetic stripe card application is about 20 working days, and the card will be sent out within 3 working days after approval;
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The IC card application processing time is approximately 25 working days, and the card will be sent within 3 working days after approval.
Warm reminder: The review time may be extended under special circumstances, such as applying for industry application products.
At the same time, you can follow "China Construction Bank" through mobile banking or WeChat to understand the progress of card application in real time.
You must already know how long it takes to review a CCB credit card after reading this. In the credit card section, just click
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That’s it for the introduction of how long it takes to review CCB’s credit card.