China Bank Credit Card Approval Rules:
Bank of China will determine whether it meets the conditions for card application according to the personal financial certificate and comprehensive credit status submitted when you apply for a credit card, and the actual approval result will prevail.
The above contents are for your reference. Please refer to the actual business regulations.
If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.
What does credit card audit mean? What does credit card audit mean?
After the credit card application is submitted, the bank needs to review it. What does credit card audit mean? What does credit card audit mean? Audit is a process in which the bank verifies whether the applicant has these conditions according to the conditions of credit card processing.
Everyone needs to have the relevant qualifications to apply for a credit card, otherwise there is no way to apply successfully. Credit card audit is a process of comprehensive evaluation by banks. The factors of credit card audit are as follows:
1, age
Generally, credit card applicants need to be between 18 and 65 years old, and people under 18 or over 65 years old cannot apply. Some banks have strict age restrictions on credit card applicants, which need to be between 18 and 60 years old. Age is a hard requirement and cannot be changed.
2. Personal credit record
Personal credit reporting refers to the credit information of individual consumers, and your trustworthiness to credit reporting agencies will affect your future lending behavior. If there are black spots in your credit information, the bank will not apply through your credit card, and the credit card will not work.
3. Work and income
A good work unit and a stable high income will help banks pass your application, and the pass rate of work certificates of general state-owned enterprises and state institutions will be higher. If you are a freelancer, an ordinary migrant worker or farmer, it is difficult to pass.
4. Other financial resources
There are real estate, cars and large time deposits. The bank will also judge that your repayment ability is good. Therefore, when applying for a credit card, you can provide a copy of the real estate license, a copy of the car driving license or a bank card to enrich your application materials.
Credit card approval is comprehensively evaluated by the banking system, and most banks reserve this right. Therefore, in order to ensure the pass rate when applying for a credit card, you must provide correct and complete information.
ICBC Credit Card Approval Steps
ICBC's credit card application review process is as follows:
First, collect the completed ICBC credit card application form.
Two. The risk assessment post and credit reporting post verify the authenticity of the information filled in by ICBC credit card application users, and conduct risk assessment on users.
3. Approval post: whether the supervisor issues cards and approves the quota, which is a post closely related to users. Whether the user's approval can pass or not and the user's credit limit are all the responsibilities of the approval post.
The general approval principle is that the amount of the first card without guarantor does not exceed 50% of the applicant's annual income. If there is no basis, it can be estimated according to the average income of the industry. The general approval time is one week, and the approval notification method is SMS notification.
4. Business card printing: After passing the examination, the bank card business department will start business card printing.
5. Card issuance: mail the credit card to the user or notify the user to collect the credit card.
What does the credit card application bank mainly review?
First of all, look at the basic information of the applicant you fill in, that is, those you fill in offline or online. Some of these basic information will be directly deleted as soon as it comes up in the automatic system or manual audit of the card center, such as special industries, special posts and even special regions. This specific examination condition cannot be disclosed to the public, otherwise it will lead to malicious application and bring unnecessary trouble to the card center.
If the basic information is ok, then enter the reading stage of the credit report. The card center will apply to the central bank for obtaining your credit report, which will truly record your basic information, social security information and personal credit records (such as car loans and mortgages, credit card usage, and the time and frequency of obtaining credit reports by institutions). This is the most rigorous review stage. The information in the credit report is also increasing year by year. I suggest that you consult your personal credit report every two or three years to prevent accidents.
So, which credit records will be refused?
Case 1: If a person applies for a card from more than 10 banks within 2 days, and these 10 banks have inquired about the applicant's credit report, this will leave a record in the credit report. Under normal circumstances, this is a high-risk group, and most card centers will directly refuse it.
Case 2: If the credit report is not good, it will be eliminated directly.
Case 3: the applicant's personal credit record is 0 (never had a relationship with the bank. Note that there are other information such as personal basic information and social security information in the credit report, which is more credible than similar information filled in the form). In addition to the basic information of the applicant, this also depends on the specific application time (the card center has different import policies at different times), which bank to apply for and what card to apply for. Different factors will lead to different results.
Finally, the third stage, telephone verification. Generally, the staff in the card center prefer to call the landline and randomly call other extension numbers to ask colleagues if there is this person. You can also contact the applicant directly, or the applicant's family and so on. The staff of the card center will talk to the person who receives the call according to the information filled in the form to check whether it is true. The last two stages are collectively called credit investigation.
Generally speaking, banks are not allowed to disclose any information about credit card applicants, otherwise it may bring unnecessary trouble to the targeted disguised increase of card centers. Moreover, the rejection policy and algorithm of the card center are also advancing with the times.
What is the credit card review process of Bank of Communications?
1. Review the submitted materials: whether the copy of ID card, the original work certificate, the original salary income certificate and the application form are complete, and remind them to supplement them if they are insufficient.
2. Enter the credit information stage: verify whether the customer identity information is consistent with the ID card information base, and query the personal credit information system.
3. Telephone verification: Call the applicant and his company to verify whether their information and company information are true and reliable.
Send a credit card if you pass the exam.
How is the credit card review process exposed?
Many people have experienced applying for a credit card, filling out a bank credit card application form and submitting additional supporting materials. Then they can only wait for the approval result from the bank. What is the credit card review process? Most card friends don't know much about it. Today, I will reveal the specific process of internal bank approval, and then everyone will enter the bank credit card approval process.
I. Information entry
The audit of bank credit cards generally advocates "paperless" office. When the bank receives the information of the applicant, the first job of the bank staff is to scan the information and generate pictures. Subsequently, according to different areas of the application form, it is automatically divided into smaller picture files, and each small picture only contains one content filled in by the applicant.
In the entry stage of the credit card review process, each staff member is only responsible for one item. For example, a staff member who enters an ID number can only see the ID number. After input, the information directly enters the electronic audit system of the bank, and each piece of information will be input by two different staff members. If the contents are different twice, this small picture will be given to a third person for identification. It seems that the bank credit card review process is very strict and safe.
Second, the preliminary audit
Next, the credit card review process officially begins, and the initial review needs to go through two procedures: electronic review and manual review.
1, electronic audit
The electronic system will first evaluate the integrity of the information in the application form, and then judge whether the applicant meets the hard requirements such as age and income with the personal information on the application form, and will automatically query the applicant's credit status in the personal credit information system as a reference. After the preliminary electronic screening, the form will enter the manual review stage. This is the first step in the credit card review process.
2. Manual audit
First of all, the staff will reconfirm whether there are any omissions in the application form, whether the signature meets the requirements, and whether the ID card is clear. , and then review the submission channels of the application form to determine the authenticity of the information in the application form.
After the credit card application forms pass the manual preliminary examination, the system will determine the classification of the application forms according to the parameters generated in the preliminary examination, so as to determine which level of approval process these application forms need to go through. When the user's qualification meets the requirements, it passes the preliminary process of credit card audit.
Third, further review.
Subsequently, the bank will analyze the historical data of the applicants according to the principles of mathematical statistics and manual experience, and comprehensively evaluate and rank the applicants. Decide whether to give the applicant a card and how much.
When there is ambiguity between the approval and disapproval of the system, it will return to manual approval again, and the most experienced approver in the bank will decide the final result. The bank's credit card review process is basically completed.
Fourth, the audit cycle.
It takes about 14 working days to complete the whole audit process. Online application is faster than over-the-counter application, but the success of the application mainly depends on the applicant's personal qualifications. In addition, not all bank credit card review processes are the same as the above processes, and the results can be obtained within 1-3 working days at the earliest.
This concludes the introduction of how to audit credit cards and audited credit cards. I wonder if you have found the information you need?