How to fill in the phone number of a credit card company

If there is no unit, freelancers can directly fill in -, and the bank will call you to ask about the situation during the audit, and then you can explain it to the bank staff. Other assets can be provided to prove that the cardholder is financially capable, so as to improve the audit pass rate.

when applying for a credit card, fill in the telephone number. If you have a company, you can fill it in truthfully. The bank will verify the situation by telephone to prove the work experience and income certificate of the cardholder. Having a regular job and a steady income will increase the pass rate of credit cards.

according to article 7 of the measures for the supervision and administration of credit card business of commercial banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

Application method

Application

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

people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph. [9]

Review

After receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.

usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. The standards of different card-issuing banks are also different. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

card issuing

after the applicant successfully applies for a credit card, the card issuing bank will open a separate credit card account for the cardholder at the card issuing bank for shopping, consumption and settlement after cash withdrawal.

card opening

because the card is sent by post after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect the applicant and the bank from theft, the credit card has a card opening program before it is officially opened. Card opening is mainly through telephone or internet, etc., to check the relevant personal information provided at the time of application, and complete the card opening procedure after it meets the requirements. At this time, the applicant becomes the card holder, and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.

after accepting a credit card, a credit card merchant or bank should review the validity of the credit card and the identity of the cardholder.

how do I fill in the company phone number when I apply for a credit card?

Hello, 1. Phone number of colleagues: If the company doesn't have an official unit phone number or a personal position arrangement doesn't have a phone number, we can fill in the phone number of the company's front desk or the fixed phone number of other departments, but it's best to find our familiar departments and colleagues to avoid embarrassment during the audit.

2 Telephone numbers of relatives and friends: If we are temporarily unemployed, we can also choose to fill in the fixed telephone numbers of relatives or friends at home, but we must remember to let us know in advance.

3 No landline number: generally, the telephone number of the company should be filled in truthfully. If not, you can leave it blank. If you need to fill in, you can fill in - or area code mobile phone number, indicating that there is no company landline number. At that time, you can explain the situation to the staff of the credit card center. Some banks have strict auditing and may need additional company phone numbers to prove that cardholders have stable jobs.

it is best not to fill in or fabricate the telephone number of the company, in case the bank can't dial or find this person in the telephone audit. If you fill it in indiscriminately, the credit card approval will fail. Moreover, once the applicant does it in the telephone column of the company, it is likely to be recorded by the bank, causing personal credit damage. Not only did the application fail, but the credit card application failed again.

: 1. What is a credit card

A credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.6 mm, a width of 53.98 mm and a thickness of 1 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and repay on the settlement date. Except that some credit cards are combined with financial cards, general credit cards are different from debit cards and withdrawal cards. Credit cards do not directly debit the user's account.

Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units for shopping, consumption and cash deposit and withdrawal in banks. It is a card form with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip printed on the back.

a real credit card has the following characteristics: cash deposit is not encouraged, consumption is followed by repayment, interest-free repayment period is enjoyed, repayment can be made in installments (minimum repayment amount), and international credit card organizations such as visa and master are added for global use.

I don't know how to fill in the phone number of the credit card

If there is no company, freelancers can fill in - directly, and the bank will call you to ask about the situation during the audit, and then you can explain it to the bank staff. Other assets can be provided to prove that the cardholder is financially capable, so as to improve the audit pass rate.

when applying for a credit card, fill in the telephone number. If you have a company, you can fill it in truthfully. The bank will verify the situation by telephone to prove the work experience and income certificate of the cardholder. Having a regular job and a steady income will increase the pass rate of credit cards.

1. The reason why a credit card needs to fill in the company's telephone number

The most basic condition for running a credit card is that it must have good credit and have a stable job and income. However, it is difficult for a bank to confirm whether the applicant's company and work situation are true only from the information filled in the application form. The simplest way is to call the company and let the applicant answer the phone.

if the applicant can get a call, at least explain that TA does work in this company.

2. You can't leave out the phone number of the credit card company.

Absolutely not. The purpose of filling in the phone number of the company is to successfully receive a call from the bank for a return visit, which is the key to the initial review of the credit card. Only after the initial review is passed will the bank conduct the next review.

if you don't fill in the phone number, or fill in a fake phone number casually, and the bank can't get through, you will definitely think that if the applicant fills in the fake information, it will Pass directly in the first instance, so how can you be granted a card? If it is serious, you may be blacklisted, and it will be more difficult to apply for a credit card from this bank in the future.

Precautions for credit cards:

1. Never touch small loans (especially those with credit information)

Small loans here refer to non-bank loans. The reason is very simple. When the bank sees that you can even borrow a small loan, it is definitely short of money. Usually you can't get a loan from the bank before you borrow a small loan. Once there are too many inquiries about small loans, basically large credit cards will be out of your reach.

2. You can't apply for a card frequently in a short period of time

Generally speaking, multiple credit cards in each bank are entitled to a quota (except for some products such as China Merchants Bank's installment), that is, multiple credit cards in the same bank can't increase the total amount. If you need a high amount, you can only apply for more credit cards from several banks for blessing.

every application will leave a record on the credit report, and if you apply for the card frequently in a short period of time, the bank can see your multiple application records, thus wondering if there is something wrong with your financial situation? Is it urgent to use money? And the card that led to the downgrade could have been approved for 5 thousand, and in the end it might have been approved for 1 thousand

3. Don't apply for a credit card online easily

For the convenience of customers, almost all banks have opened up channels for online application. However, the information provided through online application is relatively limited. For example, some banks can't even upload their car books and house books. Therefore, the financial proof you can provide is limited, which leads to the bank not seeing how much matching strength you have, and finally the card amount is relatively general.

let's stop here for the introduction of how to fill in the telephone number of the credit card company.