Will filling in false information when applying for a credit card have any personal impact?

The false information is identity information, so there will be no credit card and no credit record.

Applicants 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.

Application conditions and materials:

1. There are certain age requirements for applying for a credit card: you must have full civil capacity, that is, 18 years old and above;

2 , have legal and stable income, and have good credit;

3. Provide corresponding identity documents: a copy of ID card or military officer certificate;

4. Work certification documents, with The bank also needs to provide proof of income and financial resources. Proof of financial resources can include a copy of the real estate certificate, a copy of the motor vehicle license, a bankbook, etc. Anyway, the proof of financial resources depends on the individual's repayment ability, which makes it easier to apply for;

5. Documents proving the place of residence, It can be a copy of the household registration book, or certification materials issued by the street, or other certification materials. This is relatively easy to do;

6. Fill out an application form for applying for a credit card.

For the above content, please refer to Baidu Encyclopedia - Credit Card

What will happen if you fill in a fake company when applying for a credit card online?

If you fill in a fake company when applying for a credit card online, the user’s The application may be rejected by the bank. According to industry insiders, incomplete application forms, insufficient materials, weak willingness during phone calls, and serious bad records are all reasons for being rejected by CITIC Bank Credit Card. In terms of credit limit, the credit-to-credit ratio is too high or too low. And an excessively high debt ratio are all considerations that lead banks to approve quotas.

Extended information:

Three reasons why credit card application is rejected

(1) Telephone follow-up interview found that the applicant is not very willing

If you don't answer the phone, or you can't be contacted, or you don't express your strong intention to apply for a credit card on the phone, you may be rejected. Because some customers don't want to apply for a credit card in the first place, but the bank's credit card specialists are stalking them, so they may deliberately fill in the wrong phone number, or they may say they don't know or don't want to apply for a credit card when receiving a follow-up phone interview.

In this case, the head office may not approve it.

(2) The application form is incomplete

The bank may reject the application if it discovers problems through other channels for verification. The reason is also because these bosses are not very willing to apply for the card and deliberately fill in the wrong information.

(3) Have a serious bad credit record

Excessive credit card overdraft and failure to repay in time will form a bad record. It is understood that each bank has different standards for the impact of bad records on credit card approval. Some banks can approve the application as long as there are no current debts or overdue payments; other banks must not have any bad records in the past three years.

People's Daily Online - The bank said there were three reasons why the application for a credit card by a millionaire boss was rejected

Will filling in false information when applying for a bank credit card affect your personal credit record?

The fake information is identity information, there is no credit card, and there is no credit record. Applicants 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.

Extended information

Based on the application information, the bank will examine the applicant's various information and financial situation to determine whether to issue a credit card to the applicant. 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 material may be issued with different credit limits in different banks, different types of credit cards, and some banks may even approve it, but Some banks may refuse to issue it.

Baidu Encyclopedia-Credit Card

If the credit card employer fills in a false form, will anything happen?

Nowadays, credit cards are used more and more frequently, not only because credit cards are more convenient for people’s daily lives, but also because the application process for credit cards is becoming simpler and simpler. Applicants only need to go to the application bank and fill out an application form. If the situation is true and the information is true, it is easy to apply for a credit card. In the application form, you only need to fill in your own true information according to the prompts. But some people will also falsify information when filling in information, such as your phone number and workplace. It is very serious for the bank to falsify your seemingly insignificant information. So now let me tell you the serious consequences of filling in a fake unit and fake phone number when applying for a credit card.

One of the serious consequences of filling in false organization information when applying for a credit card: it will cause your credit card to fail to be approved.

When reviewing the applicant's personal information, the credit card will specifically identify the applicant and the applicant's organization. As long as you fill out the information form, the bank will review it. When the bank contacts the unit through the phone number you reserved, if the call cannot be reached or the person is not found, or the company is not found to have paid social security when inquiring about social security payment status, the bank will determine that the applicant has filled in If the information is false, the credit card application may be rejected.

The second serious consequence of filling in a false company name when applying for a credit card is that it will affect your personal credit.

Banks are very concerned about false information. If the bank finds out that the information filled in by the applicant is false, your personal credit will be affected once it is recorded by the bank, and it will also directly affect your own credit. Personal credit report. Therefore, when filling in your personal information, you must fill it in truthfully.

Serious consequences three of filling in a false organization when applying for a credit card: It will affect the approval of your next credit card application.

Once the applicant fills in false information, it will be recorded by the bank and the applicant will be affected the next time he applies for a credit card, which may lead to the failure of the credit card application.

The consequences of these situations are very serious, so when filling out the application form, you must truthfully fill in your actual situation and avoid any fraud. Don't look at it as a simple column of general information, but don't take any chances either.

This is the introduction of filling in false information when applying for a credit card.