If the applicant's work unit does not have a fixed telephone, the card-downloading rate will be much lower. Therefore, it is suggested that you fill in the fixed telephone number of a relative or friend when applying, as long as the work certificate is formal and effective, it can prove that you are on the job.
As for the bank's telephone inquiry, it is often spot-checked. Not all applications have this link. Even if you are selected, just say hello to the person who answers the phone in advance to prove that you are employed.
I hope my answer can help you.