How to answer a credit card return call? Take a look at these tips

No matter what channel you apply for a credit card, whether it is over the counter or online, generally after passing the preliminary review, the bank will make a return call to verify the applicant's basic information. Especially for those who are applying for a card for the first time, return calls are inevitable.

In terms of process, receiving a return call means that your credit card has passed the preliminary review. If you successfully apply for the card during the return visit, it is basically no problem. However, many cardholders will not answer the phone, which ultimately leads to Card application failed. Today I will tell you about the coincidence of receiving a return call.

Preparation work

First, prepare in advance. Be sure to memorize the return visit information and memorize it. If you cannot remember it, you can take a copy with you;

Second, the unit’s landline phone number on the application form is the most common channel for return calls. Applicants need to greet the administrative staff who answer the phone at the front desk in advance.

Third, try to choose a quiet environment to answer the return call from the bank instead of answering it in a noisy environment.

Fourth, your speaking voice should be clear, pay attention to quality, don’t speak too quickly, and don’t hesitate or answer questions you don’t understand.

Practical part

Based on past experience, the questions asked in the bank’s return phone calls are mainly focused on verifying the applicant’s unit and personal information, which basically include:

1. To verify your work unit, you will be asked to answer the company name, such as XX Information Technology Co., Ltd., remember to remember the full name of the company;

2. Verify your Regarding your job position, you will be asked which department you are in and what position you hold. When answering, you can say that you are in charge of such and such position, etc. Be sure not to overexaggerate;

3. Verify your personal information and you will be asked. You are asked to report your valid ID number. If you are afraid of forgetting it, you can take out your ID card and read it against the numbers on it;

4. They will ask you about your working experience. You can say this when answering. , if it is 1 and a half years, you can say it is 2 years, but do not match your actual age. For example, you are only 22 years old, but you say you have worked for 5 or 6 years;

5. They will also ask where your credit card was sent to. Be sure to say it was sent to the company. This means that your job is stable.

In short, when answering callbacks, you must be serious and be enthusiastic and cooperative. After all, this callback call is directly related to whether you will finally apply for the card.

When answering questions and answers from bank customer service, you must be familiar with your application information and other contents to avoid misunderstandings during bank customer service verification, resulting in card rejection. Finally, I wish everyone success in applying for a card.

Tips for answering credit card callbacks

Although it is becoming more and more convenient to apply for a credit card, you can directly apply online to complete the approval. However, when approving a credit card, most banks will make a return call to verify the applicant's information. Generally speaking, receiving a return call from the bank means that you are one step away from successfully applying for the card. But I want to remind you: there are actually some hidden secrets in the seemingly ordinary return call. If you make a mistake, the cooked duck may fly away!

Taboo 1: Refuse to answer the call twice in a row

Some cardholders will miss the return call from the bank. If you miss the call once, it doesn’t matter. Many banks will call you a second time. of.

But if you miss the call twice, then, sorry, the bank will think that your information is incorrect and directly reject your application. Therefore, if you want to successfully apply for a card, you must keep your phone open and answer the return call from the bank as soon as possible.

Taboo 2: Bad tone and arrogant attitude

Some people are used to pretending to be uncles in real life. When answering the phone, they have a bad tone, yell or speak out. Threats etc. This will give the bank staff a sense of unreliability. Even if your materials are genuine, they may be rejected.

Correct posture: After all, when asking for help from someone, you should not only be respectful, but at least have to look kind and cheerful, right?

Taboo 3: Flirty words and lies in answers

At the telephone return interview level, the staff will verify the authenticity of the materials you apply for. If you speak evasively, it will give people the impression that you have committed fraud during the application, so you have a guilty conscience, which can easily lead to rejection.

Correct posture: Seek truth from facts, answer objectively, and the answer should be consistent with the application materials.

Taboo 4: Don’t falsely report the facts

It is clear that your monthly income is 2,000, but when you answer the phone, you brag about your income of 5,000. If you lie about this kind of information, once you are found out by the bank The rejection rate is 100%. Therefore, you must seek truth from facts when calling back, and avoid lying about military information.

After all, falsification of information shows that there is a problem with your integrity. It is risky for banks to lend you money, so they will not easily apply for your credit card.

How did you respond to the phone calls to apply for credit cards?

Nowadays, the use of credit cards is very popular, and it is also very convenient to apply for a credit card. We only need to complete all the procedures online. Generally speaking, there will be a telephone follow-up interview in the final stage of applying for a credit card. Don’t underestimate the telephone interview. It may affect whether we can successfully apply for a credit card. So how should you answer? Let’s take a look at it together.

1. Say hello in advance

When filling out a credit card application form, you will usually be asked to fill in a fixed phone number. This phone number is an important channel commonly used by banks for return visits. Therefore, we need to explain and greet the relevant personnel in advance to avoid insufficient communication from affecting the credit card approval.

2. The call environment should be quiet

When answering the return call from the bank, we try to choose a quiet environment to avoid being too noisy and unable to hear important information clearly.

3. Remember important information

Generally speaking, the main purpose of a return call from a bank is to confirm the information on the application form we filled out. Therefore, we must remember clearly what we filled out on the application form to avoid any inconsistencies that may arouse the bank’s suspicion.

4. Provide favorable information

Sometimes the application form fills in some relatively basic information. If we have some other information that is more beneficial to prove our personal asset capabilities Information should be proactively provided to return visitors. This will strengthen the bank's good impression of us and make it easier to get the application approved.

In addition, if we miss the return call from the bank, some banks may call again, but some banks will directly reject our application because of this. Therefore, if we see a missed call from the bank, we should try our best to contact the bank as soon as possible to explain the relevant situation, so as to avoid losing the opportunity to apply for a credit card due to lack of communication.

That’s it for the introduction of how to receive a credit card return visit.