During the credit card review process, multiple aspects of the applicant’s information need to be examined. In the Internet age, intelligent systems will replace most of the work of the human brain, so most of the review work will be handed over to artificial intelligence. However, many applicants will receive a return call from the bank. The specific situation is as follows:

1. The bank cherishes every customer who may become a cooperative relationship, and manual review is to make up for the shortcomings of the system review. Applicants that the system thinks have problems but are not very serious will be listed and handed over to the credit reviewer for further review. If the reviewer finds that the applicant meets the conditions after review and evaluation, the applicant will be approved. Otherwise, the applicant will be rejected. Of course, the credit review process includes but is not limited to calling the applicant’s phone number and other phone numbers filled in.

2. The review system of some banks is relatively backward, and most of the review work still needs to be completed manually. After the credit reviewer obtains the applicant’s credit report, he feels that the application shown in the existing information There is no problem, but we will also call the applicant's phone number to verify the applicant's identity as a communication before passing. Commonly found in local banks.

3. It is undeniable that compared with the advantages and disadvantages of the two aspects, banks prefer manual review during the credit card review process. At least in terms of risk control, manual review will do better, and intelligent review will do a better job. The system is always being cheated. Especially for the review of credit cards with a limit of more than 50,000 yuan, the frequency of phone calls made by credit reviewers to applicants is significantly higher.

4. When the information currently held by the bank is different from the application information received, the bank will usually call the applicant’s phone number for verification, which involves many aspects, including work Unit and address, family, education, etc. The commonly used questions when banks verify the applicant's identity are reserved information such as contact persons. The questions asked in the two different situations are different.

So, how should the applicant respond when receiving a return call from the bank?

First of all, you must remember a principle. The letter review insists on yes or no. No matter you answer any question of the letter review, you must answer in a positive tone, and you must speak less and listen more. Too much is too much to lose. Maybe a trivial thing you think is known by the credit review will become the reason for your card application to be rejected. The risk review involves all aspects, and you don’t know what your trivial situation is. It’s not something this bank is taboo about.

Secondly, if the bank calls you during the review process and you don’t receive it, please pay attention to your phone number below. The credit reviewer will still call you. However, there are only three things that can happen. If you still It is normal to not receive a call and be rejected. Note that it is not possible for you to call back. Although the review center has a fixed number of reviewers for applications from each region, unfortunately, you cannot be contacted.

Finally, when faced with credit review issues, you must remember how you filled out the application form at the time. Being ambiguous will not work. If someone from the pre-review or local bank risk room comes to visit, , receive a warm reception, and answer the information you filled out on the application form affirmatively. Applicants who have not cheated will receive a relatively high quota after the door-to-door visit.