What should I do if the credit card application company does not have a landline?

So when applying for a credit card, it is best to fill in the company’s phone number. If the company does not have a landline, you have to fill it in. You can choose to fill in your home landline. Number. And if you don’t have a landline at home, you can check to see if your familiar relatives and friends have a landline at home, and fill in their home phone number.

If you do not fill in the landline phone number, the bank may think that the applicant's life or job is not stable during review, which may affect the individual's overall score, resulting in the approval not being passed or the card being approved for a limited amount. Not high situations occur.

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also serve as applicants

Those who apply for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc.

And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

Is a landline necessary to apply for a credit card? What should I do if I don’t have a landline to apply for a credit card?

Nowadays, everyone has a mobile phone, and traditional landlines are hard to find in ordinary families. To apply for a credit card, you need to fill in a fixed number Phone, what if you don’t have a landline? Is it impossible to apply for a credit card without a landline?

When you fill in the credit card application information, if you do not fill in the landline number, the chance of the bank issuing the card will be much smaller. You must have a landline phone number to apply for a credit card because the bank uses this to determine the stability of your life and work. Generally, when banks review your qualifications for applying for a card, they will make a follow-up visit to the fixed phone number you filled in to ensure that the information you provided is accurate.

How to apply for a credit card if you don’t have a landline?

1. Fill in the company’s landline number

Generally, it is best to fill in the company’s landline number in the landline column, as long as the bank verifies your basic information and work after a return visit through the landline , income information, and basically credit cards can be approved.

2. Fill in the landline numbers of relatives and friends

Friends who do not have a job can borrow help from relatives and friends to apply for a credit card. It is best to choose someone who is reliable and can help you smoothly. Follow up the phone call from the bank.

In principle, you must use a landline to apply for a credit card. Banks generally will not call you frequently. You can safely fill in your landline number, so that the approval rate of your card will be higher.

Is it necessary to have a landline phone to apply for a credit card? What should I do? I don’t have a landline phone!

It does not necessarily require a landline, but having a landline will make it easier for the bank to place a card.

If you don’t have a landline, you can ask a friend for one, or you can skip it.

Extended information

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.