What happened when I didn't give my credit card?

Why doesn't my construction credit card have a credit card?

Construction credit card has no card, but it may be a virtual card.

I. Precautions for Credit Cards

1. Repayment on time: After using the credit card, you must remember to repay it on time. Once overdue, it will not only produce bad credit records, but also charge overdue penalty interest.

2. Don't swipe your card too often: Some people use credit cards more frequently, and the interval between swiping cards is short, which is easily controlled by banks.

3. Diversification of consumption: When using credit cards, cardholders should be diversified, not limited to one place, and can swipe their cards in hotels, restaurants, shopping malls and other places. If you spend money in one place all the time, banks will feel that cardholders have no spending power and reduce credit cards.

Second, credit cards.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

What should I do if I apply for a credit card and I don't receive it?

Many cardholders are very happy to learn that their credit cards have been approved, but it is strange that they have not received their credit cards after waiting for a long time. They called the customer service and said that the card had been sent. So, what if the credit card is not received? Let's analyze it for everyone.

After the credit card application is approved, the bank will use two working days to make the card, and then mail the card to the receiving address filled in by the applicant after the card is successfully made. If there is no accident, the card will be received within 7~ 10 working days, but some card friends can't receive credit cards.

Why can't I get a credit card?

There are generally two ways for banks to send credit cards, one is registered mail and the other is express delivery. The delivery time varies according to the distance between the applicant and the card center, but it is usually within 2 weeks. If the applicant does not receive the card within 2 weeks, it is likely that there is a problem in the process of sending the card.

What if I can't get the card?

If the card has not been received after the credit card application is approved, the applicant can call the customer service phone of the issuing bank to check the delivery track of the card and see what is wrong.

If the query results show that delivery is being arranged, the credit card has arrived, but there may be something wrong with the applicant's address, which leads to delivery failure. In this case, the applicant can call the consultation telephone number of the delivery post office and contact the courier to change the address.

If the delivery track cannot be found, the applicant can ask the issuing bank to resend the credit card.

In addition, the delivery address should not be the address of the company with the doorman. Generally speaking, such an address registered letter is more likely to be lost.

What is the reason why the credit card can't be done?

What are the reasons for the rejection of credit card applications?

The reasons why users are refused to apply for credit cards are: frequently applying for various credit businesses in a short period of time; Personal credit reporting is bad, and there are overdue records in the credit reporting; Personal debt ratio is too high and repayment ability is insufficient; No stable job and income; Does not meet the age requirements for applying for a credit card; The user has been blacklisted by the bank.

Under the above circumstances, the user's application for a credit card will be rejected. Users must solve the problem first and then apply for a credit card. Repeated application will only lead to the waste of personal credit information.

What are the reasons for not applying for a credit card?

1, the age does not meet the requirements: generally speaking, if the user is 18 years old and above, then you can apply for a credit card. However, some banks or certain card types have strict requirements, and the requirements are between 22 and 23 years old.

2. Too many credit cards have been applied: because users apply for loans or credit cards with their current credit status, banks will have an upper limit on the estimated amount. Suppose you apply for more than one credit card in the bank, and the credit limit is close to the upper limit, so it is easy to be rejected if you apply again.

3. Personal repayment ability is average: credit card debts are paid every month, which naturally requires users to have a stable source of economic income. It is difficult for the "three noes" who have no job to apply for the exam.

4. Credit: If the user is seriously overdue or has high personal debt, it can be seen in the credit report that the bank will refuse on the grounds of risk.

The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!

Credit card applications of China Merchants Bank and Ping An Bank

Credit card applications of China Everbright Bank and China CITIC Bank

Credit card applications of Agricultural Bank and Minsheng Bank

Icbc credit card business card printing for more than a month has not received the card. What happened?

Icbc credit card business card printing for more than a month has not received the card. What happened?

You can check the application progress and card mailing by calling 95588 of the credit card of the work bank. You can manually check the email number and then determine whether it was not delivered on the way or lost. If you lose it, you can apply for a new card for free.

1. Credit card has been processed 1 month. It is normal not to receive it. You should report the loss to the bank immediately and reissue it. If someone else takes it to do something bad, they will get a new card after reporting the loss, and they can be destroyed or kept after receiving it. If you don't get it, there's nothing you can do.

2. Generally, it takes about 20-40 days from the time you submit the application materials for card processing. Domestic banks' credit cards basically adopt centralized management mode, that is, banks first set up their own credit card centers in a certain city. If residents of other cities in China apply for credit cards, they need to summarize the application forms to the card centers first, which takes several days.

3. After receiving the credit card application materials from various cities, the credit card center should review and file them, which takes 15 days. Then there is making cards. Due to the high value of business card printing equipment, it is basically made by credit card centers of domestic banks. This process usually takes two days.

4. The last step is to send the card to the cardholder by registered mail, which usually takes 7 days-15 days. Counting the possible delays between various links, it is normal to get the card in 40 days.

5. Moreover, ICBC's business card printing scale is small and the review is slow. 1 month is a normal phenomenon, which can be urged hard.

The ICBC credit card has been issued for 1 month and has not been received yet. Is it normal?

Credit card issued 1 month. It is normal not to receive it. You should report the loss to the bank immediately and reissue it. If someone else takes it to do something bad, they will get a new card after reporting the loss, and they can be destroyed or kept after receiving it. If you don't get it, there's nothing you can do.

How long does it take to get a credit card from a bank? It's been a month and you haven't received it?

Business card printing 1 takes about 3 days, and the card will be received in about a week, and the mailing process takes about 3 days.

It takes less than 24 hours for a card to enter the business card printing assembly line, be postmarked and be sent to the post office. In case of fist products (such as Longka automobile card), it will be put in the first batch of production list every day to ensure that it can be completed within 8 hours at the earliest from the receipt of business card printing data to the delivery of mail. The speed depends on the "China Construction Bank Post Office" stationed in the business card printing center. CCB Post Office is the only service point in China where postal services are stationed in banks. In the postal processing, the staff sorted and packed the outgoing mail on the spot, affixed stamps and sealed the bags on the spot, and then directly transported it to the letter processing center by the postal exclusive mail truck and sent it to all parts of the country.

ICBC credit card business card printing has not received the postal number for more than a month. How to handle the card?

From the time you submit the card application materials

It usually takes about 20-40 days.

Domestic banks' credit cards basically adopt centralized management mode, that is, banks first set up their own credit card centers in a certain city, and residents of other cities in China need to submit credit card application forms to.

The card center concluded that it would take several days. After the credit card center receives the credit card application materials from various cities, it takes 15 days to review and file them. Then the business card printing, because of the value of business card printing equipment.

It is expensive, so it is basically produced by credit card centers of domestic banks. This process usually takes two days. The last step is to send the card to the cardholder by registered mail, which usually takes 7.

Days-15 days. Counting the possible delays between various links, it is normal to get the card in 40 days.

Hello, I haven't received a credit card for more than a month.

Professional answer: You can check the progress of credit card application on the bank's credit card website and enter your ID number to know whether it has been approved. Ask me if you don't understand, hehe.

It's been more than a month since I applied for Ping An Credit Card, but I haven't received any text messages.

In this case, please contact the customer service of Ping An Bank, check the express number of the credit card, and check the delivery situation.

If the delivery fails, immediately ask Ping An to reissue the card and reissue it to the applicant.

My CCB credit card has been open for more than a month, and I haven't received the password letter yet. I want to cancel this card. Do I need a password?

Of course, you can cancel the card after opening it. As long as your card is not a Yao Ming card or a car card, you can cancel it. Just call customer service. It's not that troublesome. It's simple. Now CCB can also set passwords on mobile phones. If you want to use it, you can use the home phone number or mobile phone number left when you apply for the card to call customer service and set the password. If you don't want to use it, it is easy to cancel it directly.

The credit card bill of China Bank has been received for more than a month.

It may have been lost. Call the special line of China Bank at 95566 to request a reissue.

It's been more than a month since ICBC made a credit card inquiry. Why has there been no movement?

What did the staff say when they asked you for information? Have you provided all the information you should have provided?

If your information is complete, don't worry, it will be done well!

But it took a long time.

It is recommended that you go to your staff to receive information when you handle it!

Good luck!

Why didn't you get a credit card for the first time? What happened when you didn't get a credit card for the first time?

Many credit cards, Xiao Bai, can't be downloaded when applying for the first time, and I don't know what's going on. Ask the bank staff, and they can't tell you the exact reason. What are the reasons for not getting a credit card for the first time? I'll list them for you today, and you can analyze them yourself!

I. incomplete or incorrect information provided

Credit card applications are usually rejected because the information provided is incomplete or incorrect. The bank said that the comprehensive score was insufficient. The comprehensive score includes: your age, length of service, salary, education, position, personal property status, etc. The more information you provide, the better, but you must ensure the authenticity and accuracy of the information. The bank will verify the information you provide, so don't take any chances. In addition, the application materials of the four major state-owned banks need to be more complete, and generally they need to pay social security for more than half a year before they can apply for a card.

Second, the nature of the work

The nature of your job determines your salary, including the level of salary and the stability of work income. For example, if your job is in a state-owned enterprise or institution, then the bank will be more agile and refreshed; If your job belongs to the nature of sales and venture capital, then the bank may have some concerns about the nature of your job, and the bank may directly reject your application because of the instability of your job and the uncertainty of your salary.

Third, bad credit and overdue records.

If you have a record of credit card consumption or other loans in the past, and it is overdue for many times or for a long time, the record will be included in your personal credit information system. Then the bank will definitely decide that you don't meet the requirements when reviewing your qualifications. Because credit investigation is a very important audit condition that must be considered.

Fourth, there are problems when the bank pays a return visit.

After the credit card information application is submitted, most banks will call for credit information, and sometimes they will call your company, so make sure that the phone you provide must be answered and can cooperate with the information returned by the bank staff. If no one answers the phone several times or the phone can't get through at all, the bank will think that your information is untrue and will not pass.

5. Credit card types do not match.

Some credit cards are for certain people. Be sure to check whether you meet the requirements before applying. Don't apply directly if you feel good. Banks that do not meet the requirements will not issue cards.

If your bank credit card application is rejected, you can refer to the above reasons for investigation. Make clear the conditions of application before applying. If the conditions are obviously not met, there is no need to do nothing. However, if your own conditions are ok, you may be able to pass if you apply for another bank after your application fails.

So much for the introduction on how to apply for a credit card without giving it.