according to the relevant regulations, after the application materials are submitted to the credit card center, whether the applicant applies for a credit card through a salesman or online, there will be a systematic preliminary review, including inquiring about the applicant's credit report.

if there is no problem in the preliminary examination, it is possible that the card will be approved directly without calling to verify it later, but most of the time, the credit examiner will call the applicant to do the final examination. There is no problem answering the phone, and the credit card will be approved.