As we all know, credit card (debit card) application channels can be divided into online channels and offline channels. For two different application channels, the bank credit card (debit card) review process is also different, as follows:

1. Online card processing: such as official website, Guan Wei, mobile banking APP, Alipay and other third-party card processing platforms.

Review process: the applicant submits a credit card (debit card) application online, and the banking system runs a comprehensive score according to the information of the application card, and gives the review result in combination with personal credit information. It is possible to return a phone call and need a bank interview.

2. Offline card application: for example, the counter of a bank outlet or the door-to-door application of a card salesman.

Audit process: the bank will input the information of the bid card into the system after receiving it. If the score is not high, manual review is needed. If you pass the examination, you can apply for card approval, generally without face-to-face signing.