China Merchants Bank's credit card is relatively easy to apply for, and many young people who have just entered the society have the opportunity to get it. And if the online application for China Merchants Bank Card will call for a return visit, don't underestimate the matter of answering the phone. Many people actually refused to pay a return visit to China Merchants Bank Credit Card. Today, I will analyze the reasons for this. why did China merchants credit card refuse to pay a return visit? There may be two reasons, one is that the phone is not answered well, and the other is that the credit is not enough. 1. If you don't answer the phone properly, China Merchants Bank will call the filled-in company phone for a return visit. The customer service will ask some questions on the phone, including the applicant's ID number, name of the company, address of the company, position, home address, etc. Remember to answer according to the information filled in at the time of application, and don't answer irrelevant questions or mistakes. If you ask some additional topics, you should improvise, follow suit, be calm and don't prevaricate, otherwise you may be rejected. 2. After the telephone call is closed, China Merchants Bank will check the applicant's credit information and judge the applicant's willingness and ability to repay. If the credit report is relatively clean, there are no bad credit records, and there are few inquiry records, it shows that the applicant's repayment willingness and repayment ability are ok. On the other hand, if there are many credit institutions granting credit, if there are overdue or many hard inquiry records, the applicant's credit may not pass. For China Merchants Bank, such applicants are high-risk customers, their repayment ability is worrying, they have great loan risks, and even their motives for handling cards are impure, so they are suspected of supporting loans with cards. In a word, it is possible that China Merchants Credit Card turns down a return visit. You can find out the reasons by comparing the above introduction. Don't apply again in the short term after being rejected. It's best to try again every six months. During this period, try to remedy any deficiencies to improve the pass rate.