Yes, this is actually a telephone audit.

Many banks will call the company to verify your information when handling credit cards. In fact, it depends on whether you are a random company. After all, it is clearly stipulated that credit card applications must have a stable job and income one day.

But when you call the company, let the applicant answer the phone and ask some questions, which are basically the contents of the application form you filled out when you applied for the card. If the answer is wrong, the card application will be rejected.

Most banks that apply for credit cards will verify your work information, so they will call the company you fill in. However, there are also special circumstances. When the personal data you submit is a high-quality customer and there is no bad information, the bank audit may bypass the company. Of course, the specific analysis should be combined with its own situation.

The bank will call the company. First, verify the work unit, job position, salary and income you provided to ensure that you have the financial ability to repay; Second, the company's fixed telephone can reflect the stability and income of your work from the side, and banks are also happy to provide credit card services for such people.

When a bank applies for a credit card, it will call the company. First of all, we must determine whether the applicant is a company employee from the company's mouth, and then I will answer the phone myself.

Most credit card customers will ask the applicant some questions when they call, mainly including name, ID number, name of work unit, current position, address of work unit and home address. You just need to answer them according to the information filled in the application form.

Some will call, I have met, leave a fixed number of acquaintances or say hello in advance. Bankers sometimes ask whether the person who handles the credit card is in the company and what position he holds.

People who don't have a work unit generally can't apply for a credit card. In addition to the exclusive credit card for college students, people who don't have a job can also apply for a credit card.

What if the credit card doesn't want to fill in the company phone number?

; ? In the credit card application form, there is usually a column with the phone number of the company. Many people are reluctant to fill in it because they are afraid that the company will know their credit card application, so they ask around for solutions. It can be clearly told here that the company phone number is required, so you can leave it if you want, and there is no need to leave it. Let's take a look together.

1. Why should I fill in the company phone number on my credit card?

The most basic condition for applying for a credit card is that you must have good credit and a stable job and income. However, it is difficult for banks to confirm whether the applicant's company and work situation are true only from the information filled in the application form. The easiest way is to call the company and let the candidates answer the phone.

If the candidate can get a call, at least it means that TA really works in this company.

2. Can I omit the phone number of the credit card company?

Absolutely not. The purpose of filling in the company phone number is to receive a return call from the bank smoothly, which is the key to the preliminary examination of credit cards. After the first trial is passed, the bank will conduct the next audit.

If you don't fill in the phone number, or just fill in a fake phone number, the bank will not be able to get through, and you will definitely think that the applicant's false information will be passed directly at the first time. How can it be approved? If it is serious, it may be blacklisted, and it will be more difficult to apply for a credit card from this bank in the future.

In short, the phone number of the credit card company must be filled in, and the real phone number of the company must be filled in. After submitting your application, you should be prepared to answer the phone at any time. In order not to miss the phone call, you should greet the front desk in advance and remember the information you filled in when applying.

Can I make a phone call with a credit card?

Fill in the contact number of the work unit when applying for a credit card, and then whether the bank will call the unit to verify it depends on the specific situation, mainly depending on the bank regulations. Some banks will call the unit to verify, and some will not; Also, the same bank, different customers apply for credit cards, there may be some calls, some do not call.

Generally, I have had more business dealings with banks. Customers with clear credit information banks will apply for cards, and banks will not call the company to verify. If a new customer goes to apply for a card, and the credit card level applied by the customer is high, and the requirements for the customer's economic income level are strict, it is likely to call the unit for verification.

In any case, customers should pay attention to keep the phone open, so as not to miss the audit call, which will lead to the rejection of the credit card application. Also, be sure to fill in the application information truthfully. If you fill in the company phone number at will, the bank will directly refuse to approve the card once it finds that the situation is not true.

You usually have to call to verify the information.

Generally speaking, the order is: work first, then mobile phone, preferably home phone.

Until I find you and check the information. If it is a big bank, I will ask you if your signature and mailing address are gone.

If the guild chooses a few questions in the application form you fill out.

Credit information generally does not ask other questions. CITIC Bank will have some unexpected questions, such as the name in your previous account.

That's basically all. If you call home, they'll just ask, hello? People won't ask.

You'd better answer the phone at work. If you just go out to work, don't let your colleagues scare you.

It would be a tragedy if aunt cleaning said there was no such person.

In fact, there is nothing to worry about, as long as the unit verifies that there is basically no problem.

You don't need a company credit card.

Credit cards that can be applied for without the company include student credit cards and supplementary cards.

Supplementary information:

For a regular credit card, the application materials must be filled in the work unit. Student credit card can be applied only by my ID card+student ID card, and there is no need to have a work unit during the period. The conditions for handling supplementary cards are simpler. As long as the main cardholder agrees, then you can apply for a secondary card.

Therefore, if a user wants to apply for an ordinary credit card, he must have a work unit. Without a work unit, he cannot apply for an ordinary credit card.

Extended data:

First, the credit card application conditions of major banks mainly require applicants to provide the following three kinds of information.

1, ID card

Domestic person: a copy of the applicant's ID card or military officer's card;

Foreigners: Hong Kong, Macao and Taiwan compatriots provide copies of passports, and other foreigners provide copies of passports.

2. Copy of work certificate or work permit stamped with the official seal of the unit;

3. The original income certificate issued by the financial certification document unit, or the original bank deposit certificate, or a copy of the salary record issued by the bank showing the name of the applicant, or a copy of the income tax withholding certificate, or a copy of its own real estate license.

Second, the credit card cancellation method:

1, the simplest method: phone logout.

It is very easy to call the official customer service phone of the bank to cancel, but only if your credit card has no record of arrears.

The safest way is to report the loss first and then cancel it.

Because many banks have provisions in their credit card articles of association, the cardholder shall bear the losses caused by the loss of the credit card before the report of loss, but the cardholder shall not bear the losses caused after the report of loss takes effect.

3. Credit card cancellation in different places

Sometimes, due to business trips in different places or other things, can I cancel my credit card at this time? Of course, if the bill on your card is paid off, or there is no other business, you can go through telephone banking.

4. Cancel the card at the designated place.

There are still a few banks that need to cancel their credit cards at designated locations. It should be noted that after canceling your credit card at the designated place, it is best to call to confirm whether the card cancellation is successful.

How can I apply for a credit card without a landline?

If the company doesn't have a fixed telephone number, you can fill in the fixed telephone number of relatives and friends' homes and answer them uniformly to avoid loopholes when the bank calls back. If relatives and friends and the company do not have a fixed telephone number, please fill in 000-00000 directly in the fixed telephone number column of the company on the credit card application form. During the audit, you need to pay attention to the phone number of the bank. The staff may ask for a supplementary phone number of the company, and then you can explain the situation to the staff of the credit card center. Generally speaking, companies will have fixed telephones, and very few do not. You can say hello in advance and fill in the fixed telephone number of other people in the company to explain the situation. Please refer to the actual audit of our credit card application results. The necessary application documents are copies of identity certificate and work certificate. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit. If you are interested in CMB credit card, but have never held our credit card, you can apply in the following four ways:

1. Please log on to the credit card website and select "Apply for Credit Card"-"Apply for New Customer";

2. Please bring your original identity certificate, work certificate and financial documents to the business outlets of China Merchants Bank in person;

3. You can also call the customer service hotline, select "3#" in the voice for credit card application consultation, and then select "1" to transfer the service specialist to register for you, and inform our local staff to contact you to confirm the application.

4. If you have applied for the professional version of our online banking, you can apply through the professional version. Remind you that the issuance of credit cards is subject to the final audit results.

Credit card application method:

1, Counter application: apply at the counter with credit certificate: the applicant needs to submit relatively complete asset certification documents, and submit the materials to the bank, which will be audited by the bank's back-office audit department; After approval, fill in relevant materials and identity information; Issue credit cards.

2. Online banking application: the applicant opens online banking with a personal savings card account and enters the bank official website; Enter the card number, login password and verification code to enter the online banking page; Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit it, and the review progress and results will be displayed on the online banking; After approval, credit cards will be issued.