Credit card interview is mainly for applicants to apply for credit cards online. According to the requirements of the regulatory authorities, the credit card application must be submitted by the cardholder himself and signed by him. When an applicant applies for a credit card online, the issuing bank obtains the customer's application materials through the network, and it is impossible to judge whether the applicant himself has submitted the application materials.
Therefore, in order to meet the regulatory requirements, after the applicant applies through the Internet, the issuing bank will send a short message to inform the applicant that he has passed the preliminary examination, and he needs to bring his ID card to any outlet of the issuing bank for face-to-face signing within the specified time.
Extended data:
Face-to-face signing refers to the process of going to the outlets to confirm after applying for a credit card online. The reason for the need for face-to-face signing is because the CBRC stipulates that credit card processing requires "three-person meeting", that is, meeting the person, the original ID card and signing. There are three main ways to interview.
1 type: for example, some card types of CITIC, China Everbright and Shanghai Bank, sign in person after application, and then review and send the cards;
The second type: except for the banks listed in the first type, most banks adopt the method of issuing cards first and then going to face-to-face signing;
The third type: Industrial Bank, the online application will receive the quota and verification code through SMS, and the credit card number and security code will be obtained immediately after the face-to-face signing. At this time, it can be used online, and then a physical card will be issued;
The fourth type: customers who have opened hand-held banks in China Construction Bank apply for cards in hand-held banks without face-to-face signing.
References:
Credit card _ Baidu Encyclopedia