Applying for electronic review of a credit card is generally the second step of the review. The first step is that after the bank receives the applicant's information, it first determines whether the applicant meets the rigid requirements such as age and income for credit card application. The credit reporting system will then be queried and the credit report in the credit reporting system will be used as a reference. If these are passed, bank staff will call the applicant for the second step of review.

1. How to apply for a credit card

The common way to apply for a credit card is to go to the bank counter to fill in the information in person, or to fill in the application form at the bank's card application booth. But now, in addition to offline applications, there are more and more channels for online card application. For example, you can apply on the bank's official website, apply through the bank's WeChat platform, and you can also apply online on third-party online card issuance platforms such as Kabaobao. credit card. When applying for a credit card online, you must go through formal channels and do not leave your personal information on small websites to prevent information leakage.

2. Application steps

Applicants must fill out the application form, including paper or online. Offline paper processing is usually done at a branch, and there will be a dedicated Banking staff scanned the application form, divided the scanned documents into different modules, and assigned them to relevant staff for information entry. In order to ensure the information security of card applicants, general staff can only be responsible for entering one piece of content. For example, the staff who enters the ID number can only see the customer's ID number and no other information. After the information is entered, it will directly enter the bank's electronic review system. Fill in the information online No matter whether the application is submitted through any of the above channels, the application information will be directly entered into the bank's credit card center.

3. Telephone review skills

Remember the application materials during the telephone return interview. It is best to make a copy and take it with you. Keep the more important matters in mind. Say hello to the company receptionist/friends in advance. Be careful about the card mailing address and try to send the credit card to the work address. After the phone return interview is passed, the card will usually be approved, and then the bank will print and issue the card.