Why is Changan Bank’s credit card review so slow?
The reason why credit card review is relatively slow is actually because credit card review inherently takes a certain amount of time.
The review time of Changan Credit Card is about 3 working days. If the user's credit is good during the review, it will take about 1-2 weeks after the review is passed to receive the physical card.
Chang'an Credit Card application conditions:
1. The applicant must be between 18 and 65 years old and have full civil capacity.
2. The applicant has no bad credit record.
3. Applicants must have normal work income and be able to repay the balance or the minimum repayment on time.
Chang'an Credit Card Application Process:
1. Applicants need to submit the "Chang'an Bank Business Card Application Form".
2. The applicant shall submit a copy of his/her ID card signed by himself/herself.
3. Applicants need to submit proof of their repayment ability, such as certificates from their workplace, etc.
How about Changan Bank iQiyi Credit Card?
Yes.
1. Some benefits of JD Financial co-branded cards are divided into application channels. Please refer to the application page for the content of activities that customers participate in. 2. If the customer applies through bank channels, when logging in to the JD Finance APP for the first time to inquire/receive the rights, it is necessary to confirm that the login account is the account fixed for inquiry and claim of the card's rights, and enter through the credit-credit card page or through the JD Finance APP Search for "Credit Card" on the homepage and click to enter. On the "I want to apply for a card" page, click "Associate an Applied Card" to complete the card association. Customers who apply through JD/JD financial channels will use the card associated with the JD account at the time of application by default. 3. If customers apply through iQiyi channels, they can complete the association with their personal JD account on the "Submission Successful" page of the application. If the association with the JD account is not completed on the "Submit Successfully" page of the application, when you log in to the JD Finance APP for the first time to inquire/receive the rights, you need to confirm that the login account is the account fixed for the enquiry and claim of the card's rights, and credit through the JD Finance APP - Search for "Credit Card" on the credit card page or the JD Finance App homepage and click to enter. On the "I want to apply for a card" page, click "Associate an Applied Card" to complete the card association. 4. After completing the association of the credit card with the JD account, the customer needs to enter through the credit-credit card page of the JD Finance APP or search for "Credit Card" on the homepage of the JD Finance App and click to enter, and click "Associate iQiyi" on the My page to complete iQiyi After the accounts are linked, you can receive the benefits normally. 5. After the customer successfully submits the application, he or she can enter through the credit-credit card page of the JD Finance APP or search for "credit card" on the homepage of the JD Finance APP and click to enter to check the application progress. 6. Users who are already iQiyi gold VIP members can still apply for a card and enjoy the benefits.
What are the risks of Changan Bank credit card?
There is no risk through normal channels. If it is not formal, it may be bound to various consumer members.
French merchants guide consumers to log in to their own websites through domain names or emails similar to well-known stores. It is difficult for consumers to identify the authenticity of Internet merchants, and it is easy for consumers to easily submit payment information. The owner of the special store forged the customer's purchase invoice, and then used the fake invoice to request payment from the bank.
The risk comes from the cardholder’s malicious overdraft. The cardholder falsely claimed that the goods had not been received. Report the loss first, and then use the lost card in a very short period of time. Issued using credit card overdraft amount. Risks from merchants, fraud by unscrupulous employees. In reality, employees have access to a customer's card information and may even hold the card out of the customer's sight. Unscrupulous employees will use customers' credit cards to make purchases and withhold invoices arising from illegal use, causing customers to suffer losses.
Are the JD.com co-branded Changan Credit Card and China Construction Bank Credit Card the same way to use?
The JD.com co-branded Changan Credit Card and China Construction Bank Credit Card are different.
The limit of the JD Changan Bank co-branded card is between 3,000 and 50,000 yuan, and the cash withdrawal limit is 20 of the credit limit.
The assessment of the specific credit limit is based on a comprehensive assessment by the bank based on the personal information submitted by the card applicant.
The better the qualifications (for example: stable job, strong repayment ability, fixed real estate, etc.), the higher the approval limit. Chang'an Bank JD Finance Co-branded Credit Card is a standard credit card jointly issued by Chang'an Bank and JD Finance. New customers who verify the card will receive Jingdong coupons worth 200 yuan, collect medals to exchange for gifts such as electric ovens and trolley cases, an exclusive car wash discount of 6.6 yuan, a 34% off movie viewing discount and other benefits.
What is the credibility of Changan Bank?
It has a good reputation, but it is safer to choose the four major state-owned banks for deposits. Chang'an Bank's head office is located in Xi'an, with a registered capital of 3 billion yuan.
Can I apply for a card after receiving Chang'an Bank's credit card application channel via text message?
Yes, generally speaking, banks nowadays are mainly promoting credit cards. No matter which bank it is, they are all competing for credit card users, so there will be various promotions, whether online Advertise, make sales calls, or directly send text messages to invite you to apply for a credit card. In fact, these can all be done, as long as it is through formal channels and formal websites.
It’s just that some people tell you how much the limit is, but when you actually apply for it, you find that the limit is one or two thousand, and you open the card. If you don’t have such a small limit, you don’t open it, and you occupy a credit card quota. And if you complain, no one will respond to you. The other party will say that the credit limit is not theirs, so things sold online can be trusted as long as the channels are formal, but the credit limit is not as high as going to the bank.
Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
Introduction to Chang'an Bank:
Chang'an Bank Co., Ltd. (referred to as: Chang'an Bank) was established in 2009 and is headquartered in Xi'an, Shaanxi Province. It is controlled by the China Banking Regulatory Commission Approved, five local corporate banking financial institutions, Baoji City Commercial Bank, Xianyang City Commercial Bank, Weinan City Credit Union, Hanzhong City Credit Union and Yulin City Credit Union, passed the new merger and jointly initiated the establishment with other sponsors *** of.
After establishment, the headquarters of Chang'an Bank will be located in Xi'an, with a registered capital of 3 billion yuan. The head office will be located in Xi'an City, Shaanxi Province, and will have jurisdiction over Baoji Branch, Xianyang Branch, Weinan Branch, Hanzhong Branch, Yulin Branch, There are 9 branches including Ankang Branch, Yan'an Branch, Shangluo Branch and Tongchuan Branch, with a total of 94 external business outlets. In addition, Gansu Tianshui branch is under preparation.
News on April 14, 2021, according to the People’s Bank of China’s Administrative Penalty Information Disclosure Form, Changan Bank Co., Ltd. was given a penalty for violating payment and settlement, counterfeiting, currency, gold and silver, treasury, and credit management regulations. Warning and fined 4.208 million yuan.
This is the end of the introduction about Changan Bank Credit Card and applying for Changan Bank Credit Card. Have you found the information you need?