1. If you send a text message to someone else's mobile phone on the repayment date and you don't know it, it may lead to overdue repayment and bad record, which will directly affect the credit of the cardholder.
2. If the repayment is not made on time, resulting in serious arrears and inability to repay, the bank will cancel the cardholder's own card right if it is discovered by the bank. Serious may be sued by the bank.
In short, all the adverse effects caused by not writing your mobile phone number shall be borne by the cardholder himself.
Applying for a credit card without your own number has the following risks:
If someone else handles the mobile phone number in the real-name registration system, then the other party can reissue the calling card with the ID card at any time, so the applicant's mobile phone number can't be used naturally. I can't receive the phone call and SMS reminder from the bank smoothly, especially if I can't receive the SMS reminder on the repayment date, I may miss the repayment, which is an appropriate overdue.
More seriously, the credit card information was accidentally known by others, and others obtained the verification code with their mobile phone numbers, and the credit card could be stolen in minutes. Therefore, it is better for the real-name registration system to apply for a credit card with its own mobile phone number, so that if the mobile phone is lost, you can use your ID card to replenish it at any time.
To sum up, you can apply for a credit card with someone else's mobile phone number, but there are certain risks in doing so. In order to use the card safely, try to avoid using someone else's mobile phone number to handle the card.