Not answering the phone will affect the credit card approval. \x0d\ Credit card phone is the most direct way to verify whether the applicant applies for a credit card by himself. \x0d\ It doesn't matter if you don't receive the call for the first time. You can call back when you see the call. If no one answers the phone for many times, the card department will refuse the credit card application on the grounds that "no one answers the phone for many times and cannot verify it". \x0d\ It is recommended to apply for a credit card.