When applying for a credit card, you need to leave a fixed phone number. The main thing is that banks need to know the stability of your work and life. Generally, companies have more fixed telephones.

If the work unit does not have a fixed telephone number, you can directly fill in 000-00000 in the fixed telephone number column of the credit card application, or you can choose the fixed telephone number of the company's front desk or personnel department.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements.

At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card. After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.

What if the credit card doesn't have a phone number?

If the work unit does not have a fixed telephone number, you can directly fill in 000-00000 in the fixed telephone number column of the credit card application. Pay attention to the bank phone number during the audit, and the staff may ask to supplement the company phone number, and then you can explain the situation to the staff of the credit card center.

However, it should be noted that the company does not have a fixed telephone, which may give the bank audit department an impression that your work is not very stable, which may affect your comprehensive score, leading to the failure of approval or the low credit line after approval; If you can apply, the activation and use of credit cards will generally not be affected.

Credit card includes broad and narrow definitions. Broadly speaking, any special card that can provide credit proof for the cardholder and enable the cardholder to use the card for shopping, spending or enjoying specific services can be called a credit card. Credit cards in a broad sense include credit cards, quasi-credit cards, debit cards, savings cards, ATM cards, checking cards and credit cards. Credit cards in a narrow sense are divided into credit cards and quasi-credit cards. Under normal circumstances, credit cards mainly refer to "debit cards", that is, credit cards that deposit first and then consume, allowing small and goodwill overdrafts. It is also a credit certificate issued by commercial banks or credit card companies to eligible consumers.

Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.

Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units. It is a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back. A real credit card has the following characteristics: cash is not allowed to be pre-deposited, it is paid after consumption, it enjoys an interest-free repayment period, and it can be repaid in installments (with a minimum repayment amount). Joining international credit card organizations such as VISA and MASTER can be used worldwide.

What if I don't need a company landline phone to get a credit card?

There is no company landline phone for credit cards. If you still use the landline at home, you can also fill in the landline number at home. If you don't use a landline at home, you can also fill in the phone numbers of your familiar relatives and friends.

Filling in the fixed telephone number with a credit card can facilitate the bank's audit and return visit. It can be said that filling in the fixed telephone number may not be able to get off the card smoothly, but if it is not filled in, it can be said that it is very likely that the audit will not pass. Therefore, those friends who don't have a landline in the company but want to apply for a card can fill in the landline number of their home or relatives and friends.

Extended data:

The necessity of filling the fixed telephone with credit card;

The bank requires that the landline telephone number must be filled in when applying for a credit card to ensure the stability of the applicant's life and work. If the company doesn't have a fixed telephone, the bank will think that your work is not very stable during the audit, which may affect your personal comprehensive score, leading to the failure of the audit or the low credit limit after the audit.

Moreover, filling in the fixed telephone number is also convenient for banks to pay a return visit when reviewing credit cards. If you don't fill it in, the card rate will be greatly reduced.

This is the end of the introduction on how to handle the credit card without company telephone and how to handle the landline telephone of credit card company. I wonder if you have found the information you need?