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 types of dragon cards that have been publicly issued include: Dragon Card School 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 usually take CCB to approve credit cards?
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 take CCB to apply for a credit card?
After the applicant submits the information, CCB Credit Card Center will examine the applicant's qualification, which usually takes 3 to 7 working days, and there may be a telephone interview during the examination. If approved, CCB will notify the business card printing department of the head office. After the business card is printed successfully, the card will be sent by registered mail, and it will be received in about 3 to 7 working days.
On the card face of a credit card, there are at least the following information: front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, English or pinyin name, activation date (generally calculated to month) and validity period (generally calculated to month). Chip account and card magnetic stripe account are two relatively independent accounts. Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, the last four digits or all (to prevent fraudulent use), and credit card security code (the last four digits of the signature column on the back of credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ). The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.
After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. Credit card review: the bank will review the applicant's information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
How long will it take to complete the credit card of CCB?
Generally, it takes about 1 month to 40 days from applying for a CCB credit card to receiving it.
1. Submit the application form in official website, and China Construction Bank and official website will submit it to the credit card audit department in about a week, and the audit will take about 10 days.
2. In the business hall, the audit by the audit department takes about 15 days.
3. After approval, there is a three-day business card printing period. The successful mail with three-day business card printing is a registered letter of China Post, which will reach the applicant's mailing address in about 7- 15 days.
Construction Bank credit card processing conditions and required information are as follows:
First, the applicant must meet the following conditions
A natural person with full capacity for civil conduct and repayment ability may apply for a personal card master card with his/her valid identity certificate and relevant supporting documents.
The main card applicant can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct (with the permission of their legal representatives). You can apply for up to three supplementary cards for each main card. The main cardholder can apply for cancellation of the supplementary card at any time.
Two. Information to be provided by credit card applicants
1. If the applicant is a local household registration applicant, it shall also provide:
① Copy of ID card.
② Proof of economic source: including income or personal assets or professional qualification, including:
-proof of income (including any materials)
Copies of personal income tax withholding and payment vouchers or tax payment vouchers for the last three months from the date of application.
Copies of social security forms for the last three months from the date of application.
Copy of the deposit record or deposit list of the provident fund in the last three months from the application date.
Personal assets certificate (including any materials).
Copy of local title certificate owned by myself or others.
Copy of purchase/car invoice.
Copy of motor vehicle driver's license of the People's Republic of China.
Copy of savings passbook or deposit certificate of China Construction Bank.
Professional qualification certificate (including any materials).
For example, copies of qualification certificates assessed or recognized by state authorities, including certified public accountants, certified auditors, lawyers' certificates, etc.
2. If the applicant is a non-local household registration applicant, it shall also provide:
① Copy of ID card;
(2) Financial certificate (same as above);
③ Proof of stability.
Copy of the issuing bank's local real estate license.
Copy of social insurance form.
Copy of full-time undergraduate degree or above.
3. If the applicant is a foreigner (including compatriots from Hong Kong, Macao and Taiwan and foreigners), it shall also provide:
① Copy of ID card;
Foreigners provide copies of passports.
Residents of Hong Kong and Macao must provide copies of Hong Kong and Macao passes to and from the Mainland.
Taiwan Province residents are required to provide a copy of the five-year mainland travel permit for taiwan residents.
② Foreigner's permanent residence permit or deposit (minimum deposit amount is 5,000 yuan).
How long does it take for CCB's credit card review? Time is different in three ways.
The credit card has been processed and the materials and equipment have been handed in. Then there will be a long waiting period. The review time of each bank's credit card is different, so how long it takes for CCB's credit card review, how to handle the card and the review time are different.
How long does it take for CCB to review credit cards? Audit time is divided into three situations (the following time is when the information is complete and meets the requirements):
1. official website applied for it.
In the case of the existing CCB credit card, it can generally be completed within 5 working days, and the card will be sent within 3 working days after the approval;
If there is no CCB credit card, the mobile phone number reserved by the applicant will be interviewed first, and the review will be completed within 2 working days after the interview is successful, and the card will be sent within 3 working days after the approval.
2. Mobile banking applications.
In the case of the existing CCB credit card, it can generally be completed within 5 working days, and the card will be sent within 3 working days after the approval;
If there is no CCB credit card, the mobile phone number reserved by the applicant will be interviewed first, and the review will be completed within 2 working days after the interview is successful, and the card will be sent within 3 working days after the approval.
3. Application for bank outlets.
The processing time of magnetic stripe card application is about 20 working days, and the card will be sent within 3 working days after approval;
The processing time of IC card application is about 25 working days, and the card will be sent within 3 working days after approval.
Tips: In case of special circumstances, the evaluation time can be extended, such as bidding for industrial application products.
At the same time, you can pay attention to "China Construction Bank" through mobile banking or WeChat, and you can grasp the card processing progress in real time.
How long does it take for CCB's credit card review? You must already know when you see this. In the credit card column, just click.
Convenient entrance
You can quickly apply for the CCB credit card!
Let's call it a day to introduce how long it takes for CCB to review its credit cards.