Generally speaking, applying for the electronic credit card exam is the second step. The first step, after receiving the information of the applicant, the bank judges whether the applicant meets the hard requirements such as the age and income of the credit card application. Then it will query the credit information system and take the credit report in the credit information system as a reference. If all these are passed, the bank staff will ask the applicant for the second step of examination.
First, the way of credit card application
The common way to apply for a credit card is to fill in the information in person at the bank counter or fill in the application form at the bank card booth. But now, in addition to offline applications, there are more and more channels for online card processing. For example, you can apply at Bank of official website, through the bank's WeChat platform, or apply for a credit card online on third-party online card issuing platforms such as Card Baby. Online credit card applications must go through formal channels. Don't leave personal information on small websites at will to prevent information from leaking.
Second, the application steps
Applicants fill in the application form, including paper or online. Offline paper is generally handled in branches. Specialized bank personnel will scan the application form, divide the scanned documents into different modules, and assign them to relevant staff for information input. In order to ensure the information security of the applicant, the general staff can only enter one item. For example, the staff who enter the ID number can only see the customer's ID number and can't see other information. After the information is entered, it will directly enter the electronic audit system of the bank. No matter through which channel the application is submitted, the application materials go directly to the bank credit card center.
Third, the skills of electronic examination
Remember the application materials when you call back. You'd better make a copy and take it with you. More important things should be kept in mind. Greet the company's front desk/friends in advance, pay attention to the mailing address of the card, and try to send the credit card to the company address. After the call is made, the card will usually be approved. After that, the bank will make and issue cards.
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.
How is the credit card application approved by China Bank?
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.
This concludes the introduction of how banks check credit cards and simple credit cards. I wonder if you have found the information you need?