When we apply for a credit card, we need to fill in a lot of information. No matter through what channels, outlets, mobile phone networks or on-site services, an applicant must fill in the details of his work unit, especially the company telephone number. If the applicant fails to fill in the column of company telephone number, the application is likely to be rejected.
So every bank will call back every time they apply for a credit card? Not necessarily, but most of them will return. Call-back calls are generally randomly selected by the credit card center, and it is also possible that the bank will pay a return visit when it has doubts when reviewing the applicant's information. You must answer the return call from the credit card bank, and you must not make mistakes when answering the questions of the bank staff, or you must not be vague when answering the questions, otherwise the bank will think that the information you provided is false, which will eventually lead to your refusal to apply for a credit card.
The applicant's work unit, work item and salary are all important factors for the bank to inspect the applicant, and the company phone number provided by the applicant is the way for the bank to verify the applicant's real situation. If the bank calls the applicant's company to pay a return visit, it must answer it, otherwise it is likely that the bank will refuse the credit card application because it refuses to answer it.
It is a normal way for an applicant to apply for a credit card from a bank. It is a normal way for banks to call their work units to verify the situation. Banks don't call frequently to interrupt. If the applicant is approved, the bank will not always call to interrupt. You can rest assured.
If credit cards and credit lines are handled reasonably, legally and without false elements and information, which does not constitute fraud, criminal law will not be touched. You wouldn't have gone to jail. That is the problem of private debt disputes.
The bank can bring a lawsuit to the court, and the court can forcibly confiscate your reasonable property. If a large number of cards are processed, malicious overdraft constitutes the crime of credit card fraud, which will involve criminal cases, may be prosecuted by the procuratorate, and may go to jail.
Judging from the current situation, the possibility of bank prosecution will be much lower, because the bank wants to recover the arrears as much as possible.
As long as you pay back, the bank will only charge a penalty. I hope I can help you. In the case of malicious overdraft, overdue credit card is considered a crime. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit due to illegal possession and refuses to return it after being collected by the issuing bank.