after listening to the banker's interpretation, I really feel that the bank's credit inquiry phone is full of thunder, and everyone who doesn't pay attention is a pit! Everyone is playing a game of wits!
Question 1: A big personal examination
The favorite questions include:
1. What is your sign? What's your birthday? (in fact, it is to verify whether your information is true. If the truth is blurted out, it will not be wrong, but the false information is hard to say. )
2. Where do you work? (Actually, I just want to ask if your job is very stable. If you don't have a job or can't answer the address of your work unit, you may be directly passed.) < P > 3. How long have you been working in your current unit? What position do you hold? It's basically impossible to work for no more than 3 months. If you haven't turned positive, how can others dare to borrow money? In addition, if you are a management position, you can get extra points, provided that the information is true! I didn't ask you to punch a swollen face and pretend to be the general manager! )
4. What's your monthly income? Punch pay or cash pay? (If the monthly income is less than 2, yuan, it is basically out of the question. If you have a bonus or performance, you must focus on it and get extra points! )
Question 2: A big family survey
1. Who are the family members? (Basic examination, incorrect answers and information may be rejected)
2. Are your parents in good health? (Suppose your parents have been seriously ill recently, and even those who have had surgery are a little hung up. The credit examiner will think that seeing a doctor will cost a lot of money, and your burden will be particularly heavy.)
Question 3: A big examination of the loan situation
1. How many credit cards do you have in your name? (normally 2-3 cards are appropriate, but more than 4 cards are risky)
2. Have your credit cards ever been overdue? (Be careful if it is overdue for more than 3 times, and most of them will be rejected directly if it is overdue for more than 6 times.)
Question 4: Examination of spending habits
1. How much does it cost each month? If you earn 2 yuan and spend 5 yuan, ask yourself why you were rejected! )
2. Is there a quota for flowers or white stripes? How much does it cost every month? (This is also a side question about debt. Those who spend a lot and earn less will simply be rejected. Pay attention to the fact that the debt ratio should not exceed 7%.)
Summary: As long as you answer the questions truthfully according to the actual situation, you can pass the credit review phone. What you are most afraid of is fraud, and false materials will definitely be rejected.