①? Audit is the front-end audit of whether the contents filled in the form are true or not;

(2) Approval refers to the credit inquiry and comparison of personal identity information. If it is accurate, the card can be approved.

Auditing is the first step. Approval is the next process.

Extended data

The general credit card approval process is as follows:

1. The bank conducts a preliminary review of the materials submitted by customers. The contents of the preliminary examination include: checking whether the copy of identity certificate, original work certificate, original salary income certificate and application form are complete; If the certificate is not enough, notify the customer to supplement it.

2. Enter a credit card for approval. Check the authenticity of the customer's ID card information with the ID card verification system, and check whether the customer has a bad credit record in the personal credit information system.

3. Verify personal data by telephone. Call the applicant and the company to verify the authenticity of my information and company information.

4. After all the approvals are passed, inform the approval result and approve or reject the card issuance.

5. Mail a credit card.

6. Applying for a credit card requires my personal signature, so that the application can take effect and the interests of the applicant can be protected by law. Therefore, please remember to sign your name before mailing the application.

reference data

Credit card approval progress query _ China Merchants Bank

The CBRC meeting adopted the Measures for the Supervision of Credit Card Business of Commercial Banks.