Credit card callback is a hurdle we all go through on the way to apply for a card. Many people get nervous when faced with a call back. This is mainly because they don't understand. Today the inspector will share with you common sense, questions you will be asked, and some precautions and strategies. Once you understand this, you will naturally be able to face return calls calmly, thereby increasing the success rate of getting rid of the card.
A phone call is usually the last step in applying for a credit card. After the information filled in by the applicant passes the review, bank auditors will conduct spot checks on the information provided by the applicant. At this time, the bank will call the applicant back. Generally, the bank's return phone number will be called to the applicant, and the company's landline and personal mobile phone number will be filled in the information. Some banks can only call one number, and some banks can call both numbers. Credit card return visits are random checks. Not everyone who applies for a credit card receives a call back from their bank.
The bank will ask the applicant whether he or she has a card, ID number, home address, home phone number, name of work unit, address of work unit, phone number of work unit, current position, working years, etc. These are all personal information filled in when applying for a card, as long as you are familiar with them and remember them. If the answer is consistent with the information filled in the application form, you can call back for a follow-up visit. Of course, it is not ruled out that some very exciting questions will be asked, so you should pay attention at this time.
(1) The information in the application materials must be kept in mind, and you must not answer the questions incorrectly. If you encounter good customer service, they may remind you that the answer is wrong and remind you the correct answer; if you encounter difficulties, you may deliberately give wrong information to see if it can be corrected, but we should not place our hopes on others. It's safest to remember this information.
(2) Be sure to say hello to the company’s front desk or administration and avoid calling the company’s landline back. The person answering the phone has no idea you are at the company or what position you are filling. If there is a problem in this link, it will basically be out of service; if no one answers the phone at work, you can answer it. Maybe the person on duty left temporarily.
(3) If asked where do you want to mail the card? Don't hesitate to say firmly that sending it to your company address is enough; sending it home may make the bank mistakenly think that your job is not stable enough.
(4) If you encounter information that you cannot remember, you can use the excuse of "the mobile phone signal is not good and we are in a meeting" to ask the bank to call in a few minutes, and then you can use this time to quickly search information.
(5) If you ask some exciting questions that are not included in the application materials, such as: Is XX your colleague? What is the name of the four-story teahouse next to your company? Is there a XX gym next to your company? When encountering information that is not filled in in the application materials, you should answer "There may be this person, but there are too many people in our company and we are not familiar with it." In short, for unknown questions, exciting questions, and questions that are not written in the application materials, you must answer Have the ability to adapt to changes and don't answer in the affirmative; the correct approach is to say, "I don't know, I haven't seen it, I don't know much about it."
(6) What should I do if I miss a call? If you do not receive the first return call from the bank, under normal circumstances, the bank will call again; but some will not call again, but directly refuse; if you miss the bank's return call, it is recommended to contact the bank's credit card number as soon as possible Customer service conducts a phone review.
If the return visit is successful, the bank will review all the applicant's information, and the card will be approved in about a week, and the review results will be notified as soon as possible on the same day. If the return visit does not go well, for example, the applicant does not answer the phone, the information is inconsistent with the application materials, or the applicant takes too long to think about answering questions, etc. It may make the bank think that there is something wrong with the applicant's information, resulting in the card application being rejected; therefore, we must take the return call seriously, regardless of whether it will call us, and be prepared to answer in advance based on the above content. Related questions and answers: