To apply for a credit card (debit card), it is necessary to fill in the phone number of relatives, on the one hand, because the bank needs to call the phone number of relatives to run the trial, on the other hand, when the user's credit card (credit card) is overdue, the bank can call the phone number of relatives to run the collection. Therefore, the telephone number of relatives filled in the credit card (debit card) must be true and valid. If the numbers are filled in carelessly, the credit card (credit card) will not be approved.

As long as the user's credit card (credit card) is not overdue, the bank will not call relatives at will, and during the audit process, the bank will not necessarily call relatives to audit.