It takes 1-2 weeks for CCB to review its credit cards. The credit card application needs to be comprehensively evaluated by the bank's credit information system, and there are many reference factors, such as age, job stability, income, credit records, etc. If it is approved by the system, 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's credit card review process:

1. Entry of applicant information

1. Upon receipt of the applicant's application materials, CCB will immediately scan them and generate a picture file. Subsequently, according to different areas of the application form, it is automatically divided into smaller picture files, and each small picture contains only 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 after the entry, the information directly enters the electronic audit system of the bank, thus ensuring that the information of the applicant will not be leaked.

2. Each small picture will be entered twice by two different staff members. If the contents entered twice are the same, the content will enter the system. If the contents are different, the small picture will be given to a third person for identification, so as to ensure the accuracy of the input information.

3. When all the contents of a credit card application form are entered, a complete electronic application form is formed and enters the review process.

2. Preliminary review

1. In this review process, there are two procedures: electronic review and manual review. At first, the electronic system will evaluate the completeness of the information in the application form, and then judge whether the applicant meets the hard requirements such as age and income by virtue of the personal information on the application form, and will automatically query the credit status of the applicant in the personal credit information system as a reference.

after passing the preliminary electronic screening, the form will enter the manual review stage. The staff grabs the work order in the work order pool and processes it according to their functions and authorities.

2. The staff will reconfirm whether there are any missing items in the application form, whether the signature meets the requirements, whether the ID card is clear, etc., 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 have passed the manual preliminary examination, the system will determine the classification of the application forms according to the parameters generated by the preliminary examination, so as to determine which level of examination and 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.

III. Further review

1. CCB will analyze the historical data of applicants according to the principles of mathematical statistics and manual experience, and comprehensively evaluate and rank the applicants. Decide whether or not to grant the applicant a card and how much to give.

2. If there is ambiguity between approval and disapproval in the system, it will return to manual approval again, and the most experienced approver in the bank will decide the final result.

Note:

It usually takes 1-2 weeks to complete the whole review process, and whether the application can be successful mainly depends on the personal qualifications of the applicant.

Extended information:

China Construction Bank (CCB) was established on October 1, 1954. The head office is located at No.25 Financial Street in 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 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 strategic industries, and its marketing network covers major regions of the country.

At the end of June p>213, the market value of China Construction Bank was US$ 176.7 billion, ranking fifth among listed banks in the world. On June 3th, 216, The Banker magazine published the Ranking of 1 Big Banks in the World, and China Construction Bank ranked second. On July 2th, 216, Fortune released the latest list of the world's top 5, and China Construction Bank ranked 22nd. In August 216, China Construction Bank ranked fifth among the top 5 Chinese enterprises in 216. In February 217, Brand Finance released the list of the top 5 brands in the world in 217, and China Construction Bank ranked 14th. On July 2th, 217, Fortune released the latest list of the world's top 5, 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 and Taiwan Province (Taipei), China.

References: China Construction Bank.