Applying for a credit card (debit card) online generally involves an interview. Many people are rejected after passing the initial review, and they are unable to get the card. So you still need to know these things about credit card (debit card) interviews!

What is an interview? According to the requirements of the regulatory authorities, credit card (debit card) applications must be made by the cardholder himself and signed by him/herself. Since when applying for a credit card (debit card) online, the card-issuing bank receives the customer's application information through the Internet, it cannot determine whether the person submitting the application information is the applicant himself. Therefore, after the card application is approved, the card-issuing bank will require the applicant to bring his or her valid ID to the business branch of the card-issuing bank to submit personal identity information and data verification within the specified time.

Each bank’s credit card (debit card) interview process and precautions. Below, we have sorted out the interview procedures of major banks on the Internet and what you need to pay attention to, which you can use as a reference.

1. Bank of China (send the card first and sign later). Applicants should bring their ID card and credit card (debit card) to the branch for an interview, copy a paragraph, copy the ID card, sign, and take photos. Individual requests will be made. Proof of income, real estate certificate, driver's license or social security provident fund.

2. The interview at Industrial and Commercial Bank of China (first interview and then send the card) and Universal Bank is relatively easy. The applicant only needs to bring his or her ID card, copy a paragraph and sign. When the card is mailed to a designated branch, or when you pick it up for an interview, the result is 100% approved.

3. China Construction Bank (the applicant will be interviewed for the signature first and then the card will be sent). The applicant will bring his or her ID card, and the lobby manager will take you to the machine to sign. Just take a photo and sign. The whole process is relatively simple. You can also go to the machine to sign. Check the credit limit at smart teller machines.

4. Agricultural Bank of China (Agricultural Bank of China (Agricultural Bank of China) (first interview and then send card) applicant brings ID card to the counter directly, copies ID card, copies a paragraph, and signs. The Agricultural Bank of China interview is quite confusing, and each branch is different. Some will ask you to fill in a blank form, some will ask you to wait for the card to be approved before interviewing, and some will ask for a local account or real estate certificate, and bank statements. If you have Agricultural Bank of China online banking and apply for a credit card (debit card) through online banking, you do not need an interview when you receive the card.

5. China Merchants Bank (the applicant will be interviewed first and then the card will be sent). The applicant will bring his or her ID card, copy a paragraph and then run and take a photo. During the interview, you may encounter staff asking you to apply for a debit card or purchase financial services. Depending on your personal reality, this may be helpful in approving the card and increasing the limit.

6. Everbright Bank (first interview and then send the card) Everbright’s interview is quite special, first interview and then review, so the probability of rejection after Everbright interview is the highest. After receiving the text message, the applicant can bring his or her ID card to the branch for an interview, copy a paragraph, sign, and take a photo. The policies of each outlet are different, and some require salary slips, property certificates, social security, etc., which is quite difficult. The key is the final review after the interview. The likelihood of rejection after the interview at Everbright is the greatest compared to other banks.

7. Shanghai Pudong Development Bank (the card is issued first and signed later). The applicant brings his or her ID card and goes to the front desk to copy a paragraph, take a photo, and sign. Some people will ask a few simple questions: address, workplace, phone number, etc. Or you can activate the ATM machine, have a video connection with the customer service, and just ask a few questions, which is similar to Guangfa.

8. Guangfa Bank (send the card first and sign later). The applicant brings his ID card and credit card (credit card) and operates on the vtm machine. There will be a video conversation with a dedicated person, mainly to verify whether he or she is the You need to activate it directly at the front desk and copy a paragraph; some people will ask for some basic information and work information when applying for the card. It is best to activate it on the vtm machine. Generally, the results will be available on the same day. It may take one to two weeks, and some may take two days. review.

9. China CITIC Bank (Send the card first and sign later / Interview first and then send the card) After receiving the interview SMS, the applicant will bring his ID card, credit card (credit card), and card letter to the counter to sign. , just take a photo, the main thing is to verify the basic information of the application, and don't give wrong answers.

10. Minsheng Bank (send the card first and sign later). The applicant brings the card letter and ID card, fills in the basic information, writes a paragraph, takes a photo and passes. Minsheng may not pass the stop payment when applying for a card from another place.

11. Industrial Bank (Industrial Bank will interview you first and then send you the card). Applicants only need to bring their ID cards to take photos and sign. Some people will ask some simple questions and answer them truthfully.

12. Bank of Communications (Send the card first and sign later). Applicants bring their ID cards, credit cards (debit cards), and card letters to the interview. They just need to take photos and sign. Some will ask a few simple questions. problem, but generally after receiving the card and going to the interview, the result is 100% passed.

13. Ping An Bank (send the card first and sign later). Applicants bring their ID cards and credit cards (debit cards) to the interview, and they can basically pass. If you have a debit card from Ping An Bank, you can directly call to open the card without an interview.

14. Postal Savings Bank (Send the card first and sign later). The applicant only needs to bring his ID card, credit card (credit card), copy the ID card and sign.

15. Hua Xia Bank (Send the card first and then interview) The applicant will bring his ID card, credit card (debit card), card letter, fill in the form, and copy a paragraph.