Handling credit cards: The Credit Card Approval Center of the Head Office calls the company to verify the authenticity of the work. Now I go directly to the customer company or unit to handle the credit card, and the preliminary examination has been completed by the salesman who handles the credit card at the time of handling. So you only have to make a phone call once to apply for a credit card.

Handling personal loan: the phone call will be made by the host account manager once to conduct a preliminary audit and verify the authenticity of the work. If the preliminary examination is completed (the first call depends only on the risk awareness of the host account manager, and now many bank account managers have almost no habit of calling the client company, but all call the approver, which is not a good habit). The second time, the personal loan specialist will call again for review. The second time, he will have a deeper understanding of the nature, treatment and even performance in the company. At the company level, he will have a deeper understanding, because professional audit posts must fully understand the overall qualifications of borrowers in order to correctly judge the risk level of this loan.

I hope my answer is helpful to you. Thank you.