It is worth mentioning that loans that need manual review are generally large loans, and the threshold will be higher, and borrowers are more likely to fail. If your personal qualifications are good and your income certificate is good, it may be easy to pass.
Extended data:
After the applicant submits the application materials, the system and manual will be reviewed.
1, system audit
After the application materials are submitted, they will enter the system for review. The system will judge whether the applicant meets the application conditions of credit card according to the personal information of the applicant, and will automatically query the credit status of the applicant in the personal credit information system as a reference.
2. Manual audit
After the system is approved, the application form will enter the manual approval stage, and the staff of the bank approval department will grab the work order from the work order pool for approval. The staff will reconfirm whether the information filled in the application form meets the requirements and judge whether the personal information is true.
After the manual approval, the system can determine the classification of the application form and the level of the approval process according to the parameters generated by the preliminary approval. When the applicant meets the qualification requirements, it goes through the credit card preliminary approval process.
Subsequently, the bank will comprehensively evaluate and rank the applicants according to the principles of mathematical statistics and manual experience, and finally decide whether to grant the applicant a card and a credit line.
The reason why credit card review is slow is that it takes a certain amount of time. Banks need to comprehensively evaluate customers' qualifications according to the information provided by customers, such as identity certificate, residence certificate, work income certificate, assets and financial certificate, customer's credit report, etc., to see whether customers are qualified to hold credit cards and how much credit line they can approve.
There is a lot of information provided, so it is naturally impossible for the bank to review it all at once, and it has to be reported to the headquarters. If the information provided by the applicant is insufficient or incorrect, it will be more difficult for the bank to review and it may delay some time.
If the applicant has a credit card in this bank before and has good personal qualifications, the review will be faster and the efficiency of using the card will be higher.
Generally, the time required for credit card review is about one week, some can be completed in four or five days, and some may take eight or nine days or even longer to complete the review. Just wait patiently. The bank will inform the customer when the audit results come out, and the customer can also check the application progress of the card by himself.