2. Conditions for applying for a credit card gold card: The applicant is required to be between 18 and 60 years old and have full capacity for civil conduct; The applicant's credit status is good and there is no bad credit record; Have a stable job and income, and have the ability to repay on time.
1. Can I apply for a credit card from China Merchants Bank?
The difficulty of credit card approval of China Merchants Bank depends on the applicant's personal credit information, income level, guarantee and card type requirements. If you are a newly graduated student or an applicant with a low income level, and want to apply for a gold or platinum card of China Merchants Bank Credit Card directly, the pass rate will be relatively low.
China Merchants Bank Puka is relatively easy to be approved and generally meets the following requirements:
1.1natural person aged from 8 to 60;
2. Have a stable source of work and income, provide bank running records for nearly three months, and the bank credit information system has no bad records.
In order to ensure the smooth approval of China Merchants Bank's credit card, you can pay attention to the following points:
1. Providing houses, vehicles and other assets as collateral can improve the pass rate;
2. Before applying for China Merchants Bank credit card, choose the appropriate credit card type according to the application requirements of the card type and the actual situation of the individual;
3. After the application, you will receive a call for a return visit, and pay attention to the details, especially the contents of the return visit and the personal information filled in must be consistent, but not inconsistent.
The application threshold of China Merchants Bank credit card is relatively low. As long as you pay attention to the requirements and details, there will be no great obstacles to approval.
Second, how long does it take to approve new users?
The approval time of different banks will be different. The following are some common bank approval times:
1. China Construction Bank
It may take two weeks or even more than a month for CCB to approve credit cards.
After the application is completed, the bank counter should send it to the card distribution department regularly, and the card distribution center should send it to the credit card center regularly. The credit card center will review the information and conduct a credit investigation. If it meets the requirements of CCB, it will be approved and issued to you. These links all take time, so it usually takes at least two weeks from your application to receiving the card, or two months.
If you are anxious to check the progress, you can go to the website of CCB to see if it has passed, or you can call the credit card department to inquire. If it has been approved, you can wait about 20 days to issue the card, and then it takes 7- 10 days to register the mail, so the total process takes 45 days at the earliest, and the cycle is 45 days to 70 days.
2. China Merchants Bank
The review time of China Merchants Bank may be faster. The usual audit time is between 10 and 20 days, and the following process is followed:
① Submit the required information: copy of identity certificate, original work certificate, original salary and income certificate and whether the application form is complete. If there are any deficiencies, remind them to supplement;
(2) Credit information: check whether the customer identity information is consistent with the ID card information base, and query the personal credit information system;
③ Information verification: Call the applicant and his company to verify that their information and company information are true and reliable;
(4) After the audit is completed, a credit card will be issued.