The credit card application methods of CCB are different, and the approval time is also different. 1. outlet application: applicants should bring all relevant materials, such as a copy or original ID card, income certificate, work certificate, financial certificate, etc. , and go to the bank outlet counter to handle it. The general review time is about 20 working days. 2. First online application: If the applicant applies for CCB credit card online and has no online banking shield, the bank review time is about 20 working days. An important step in online application is face-to-face, which is to let the bank know whether the applicant is true and whether the information is true and reliable. 3. Non-first online application for online banking shield: it is not the first time to apply for CCB credit card online, and the bank review time is 5 working days. 4. Card online application: If the applicant holds a credit card online application, the bank review time is also 5 working days. 5. The applicant does not have a CCB credit card: the bank will inform the applicant of the interview through the mobile phone number reserved by the applicant. After the interview is successful, the review will generally be completed within 2 working days, and the credit card will be issued after 3 working days. Credit cards sent by registered mail will generally be accepted within 65,438+00 working days.
How long does it usually take CCB to review credit cards?
It takes about 25 working days for CCB to approve credit cards. It is recommended to apply for a credit card at the outlet. Because it involves the step-by-step submission of application materials, it takes about three weeks from the submission of materials by customers to the online display. If it doesn't show up in a few days, wait patiently for a while.
The main business of China Construction Bank
China Construction Bank provides credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance and personal housing mortgage loans.
Credit card business
China Construction Bank, as a state-owned bank that set foot in issuing credit cards earlier in China, has many kinds of credit cards.
China Construction Bank Credit Card
All credit cards issued by CCB are named "Longka". The publicly issued dragon cards include: Dragon Card Campus Card, Dragon Card Business Card, Dragon Card Automobile Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, China Construction Bank VISA Card, Yilong Changxing Dragon Card, Mango Travel Dragon Card and Dragon Card (++Cup) Tennis Card.
Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc.
Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.
CCB bank card balance inquiry methods are as follows:
1. Network query:
Cardholders bring their ID cards and bank cards to any CCB business hall, apply to the staff for balance inquiry, and can inquire after verifying their personal identity.
2. ATM inquiry:
The cardholder can take the bank card to the ATM machine, insert the card into the ATM machine, enter the password, and make inquiries according to the operation prompts.
3. Customer service telephone inquiry:
The cardholder can call the customer service center of CCB at 95533, choose the manual service according to the telephone voice prompt, and can inquire with the help of the staff.
4. Online banking inquiry:
Cardholders can log in to China Construction Bank official website (), log in to their personal online bank account, and check the bank balance in the personal bank card interface.
How long does it take for China Construction Bank to apply for a credit card?
To apply for a credit card through self-service channels such as "China Construction Bank" WeChat official account, it takes about 5 working days for existing customers to apply for and mail the card. For new customers who have passed the examination and approval (generally, the examination and approval time is 10 day), they will receive face-to-face SMS and card letter after 3-5 working days, and they will come to CCB outlets for face-to-face interview with SMS, credit card and original ID card within 180 natural days (among them, customers who sign up for mobile banking can do face-to-face interview on mobile banking with their second-generation ID cards). Pay attention to the official account of "China Construction Bank" WeChat through mobile banking or WeChat, and you can grasp the card processing progress in real time.
(In case of business changes, please refer to the actual situation. )
How long does it usually take for the credit card audit of China Construction Bank?
It takes 1-2 weeks for CCB's credit card review. Credit card application needs comprehensive evaluation of bank credit information system, and there are many reference factors, such as age, job stability, income, credit history and so on. If the system approves, a card will be made for the applicant and then sent to the applicant.
After the credit card is approved, it needs to go through the processes of entry, business card printing and mailing before it can reach the applicant.
CCB credit card review process:
First, the applicant information entry
1. CCB will scan and generate a picture file immediately after receiving the applicant's application materials. 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. Each staff member can only be responsible for entering one item. For example, the staff who enter the ID number can only see the ID number, and the information entered directly enters the electronic audit system of the bank, thus ensuring that the applicant's information will not be leaked.
2. Each small picture will be entered twice by two different staff members. If the content entered twice is the same, it will enter the system. If the two inputs are different, the thumbnail will be identified by a third person to ensure the accuracy of the input information.
3. When all the contents of the credit card application form are entered, a complete electronic application form is formed and enters the review process.
Second, the preliminary audit
1. In this audit process, there are two steps: electronic audit and manual 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. Staff grab work orders in the work order pool and handle them according to their own functions and authority.
2. 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.
3. 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, the initial process of credit card approval is passed.
Third, further review.
1. CCB 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.
2. When there is ambiguity between approval and disapproval in the system, manual approval will be returned again, and the final result will be decided by the most experienced approver in the bank.
note:
It usually takes 1-2 weeks to complete the whole review process. Whether the application can be successful depends mainly on the applicant's personal qualifications.
Extended data:
China Construction Bank (CCB) was established in June 1954 65438+ 10/. The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government and one of the four largest banks in China. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches in Hongkong, Taiwan Province Province and Melbourne, and subsidiaries such as CCB Fund, CCB Leasing, CCB Trust, CCB Life Insurance, Sino-German Housing Savings Bank, CCB Asia, CCB London, CCB Russia, CCB Dubai and CCB International, which provide comprehensive financial services to customers.
China Construction Bank has a broad customer base, maintains banking contacts with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country.
20 13 At the end of June, the market value of China Construction Bank was176.7 billion US dollars, ranking fifth among listed banks in the world. 20 16 On June 30th, the British Banker magazine published the ranking of 1000 big banks in the world, and China Construction Bank ranked second. 20 16 On July 20th, Fortune released the latest issue of the list of the world's top 500, and China Construction Bank ranked 22nd. In August of 20 16, China Construction Bank ranked 5th among the top 500 Chinese enterprises in 20 16. 20 17 In February, BrandFinance released the list of top 500 global brands on 20 17, and China Construction Bank ranked it as 14. 20 17 On July 20th, Fortune released the latest list of the world's top 500, and China Construction Bank ranked 28th.
China Construction Bank has overseas branches in Hong Kong, China, Singapore, Germany (Frankfurt), South Africa (Johannesburg), Japan (Tokyo, Osaka), South Korea (Seoul), the United States (new york), Vietnam (Ho Chi Minh City), Australia (Sydney, Melbourne), Luxembourg, Taiwan Province Province of China (Taipei), Hong Kong, China and the United Kingdom (London).
References:
China construction bank
This concludes the introduction of credit card approval of CCB in Takuwa. Did you find the information you needed?