Every card friend must know that when applying for a credit card, you need to submit a lot of personal information.

These information are naturally also an important basis for banks to judge our personal qualifications.

So what information did you provide? How does the bank screen credit card information? What should we pay attention to?

1. Information provided

1. Identity information

The most important thing is the ID card, as well as some less popular documents such as Hong Kong, Macao and Taiwan residence permit.

2. Work information

This is the most important thing, including company address, landline phone number, full company name, working years, salary level, five insurances and one housing fund, etc.

3. Residence information

This ranks third among all information, including home address, years of residence, and living situation (whether there is a mortgage, living with parents, etc.).

4. Family information

Mobile phone numbers of immediate family members, marriage status, number of children, personal education, etc.

5. Family and personal financial status

Mainly asking about personal loans, credit cards, deposits, real estate, cars, etc.

6. Other information< /p>

Such as provident fund and social security, other contact phone numbers, whether there is a criminal record, etc.

2. The bank’s screening and tolerance of this information:

1. When applying for a card, the bank will ask you to provide a valid and magnetic ID card, and then go online Verify your ID card information and then compare it with the facial photo collected when you applied for the card. This cannot be fake unless you are getting another person's real ID card and the appearance is similar. Zero tolerance.

2. The bank does not necessarily come to verify the authenticity of the employment information you provide. The three main aspects for banks to confirm the authenticity of the information are industrial and commercial registration information, landline return visit, applicant return visit, and employment certificate. means.

If the information displayed on your credit report is inconsistent with the work information you filled in and the address is very illogical. For example, if you worked in Shenzhen last year and applied for a credit card this year, you filled out the job information in Beijing. What will the bank think?

Either the information you fill in is false, or your job is very unstable, your economic conditions are poor, and you do not have the ability to repay. It is not sure whether you can apply for the card, but what is certain is that even if you apply If you get the card, the limit won’t be much higher.

Therefore, how to fill in this information depends on your personal situation. If you work for a long time and are stable, there is basically no problem.

3. The bank’s requirements for residence information are not strict enough. Everything comes from the applicant’s dictation, as long as it is detailed enough. Then, you must remember this information yourself. The devil has seen many people who do not remember themselves. Home address, this is embarrassing. In principle, it is accurate to the direction of the city, county, road, community, building, unit, door number or obvious landmark. Tolerate a certain amount of ambiguity, such as the number of groups in a certain village.

4. As for family information, just fill it in according to the actual situation. The information is all online and the bank will not check it specifically. However, do not fill in false information. Once the online information is shown to be false, it will be rejected 100%. Unless there is no online information. Zero tolerance.

5. Family and personal financial status as well as provident fund and social security information in Article 6 are dispensable information.

In addition to the contact person’s phone number and name, if you have it, you have it, if you don’t have it, you have it. No, there is no need to provide false materials.

For example, the three pieces of information, real estate certificate, deposit certificate, and driving license, can be used to apply for a large credit card. Some people provide false certificates, but the bank will go to the housing management bureau, vehicle management office, or bank to verify the information, or Once you check the credit report, you will know whether it is true or false. This is really not a complete set. Zero tolerance.

From the above content, we can find that banks generally have zero tolerance for the authenticity of information provided by applicants, unless it is some aspects that are difficult to query, such as residence information.

Therefore, we must pay attention when beautifying personal information.