If you can't answer the phone in time because the phone is not connected or for other reasons, the bank may try to check the phone again or contact the applicant by other means. If the bank can't contact the applicant, it may affect the examination result of the application.
In addition, for some banks, if the applicant provides the information of emergency contact person in the application materials, the bank may contact through the emergency contact person. But this method may not be applicable to all banks, and it needs to be subject to the regulations of each bank.
Therefore, if you want to successfully pass the credit card application, it is recommended to read the requirements of the bank carefully before submitting the application to ensure that the application materials provided are true, accurate and complete. If you miss the telephone audit, you can contact the bank in time to explain the situation and avoid adverse effects on the application.