How to fill in the phone area code of the company when applying for a credit card?

When applying for a credit card, you will be asked to fill in your work phone area code. This area code is filled in according to the city. For example, if the work unit is in Changsha, Xiangtan, and Zhuzhou, then the area code is 0731, and the work unit is in Yueyang, then the area code is 0730. The area code of each city can be found, and users can directly search for the area code using their mobile phones.

What is a credit card?

Credit card (English: creditcard), also called credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is generally a special carrier plastic card with consumer credit that is 85.60 mm long, 53.98 mm wide, and 1 mm thick. It is issued by the bank to individuals and organizations, and can be used to shop, consume, and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and a magnetic card on the back. strip, signature strip.

Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card, and repayment will be made on the billing date (English: billing date).

On April 15, 2016, the central bank issued the "Notice of the People's Bank of China on Matters Related to Credit Card Business", canceling late payment fees on credit cards, introducing liquidated damages, and prohibiting over-limit fees. The new regulations were implemented in January 2017 It will be officially implemented on the 1st.

The debit card is an ordinary savings card. The account attribute is a current deposit account, which can be used for consumption, ATM deposits and withdrawals, etc.; the credit card can be used for consumption, ATM deposits and withdrawals, etc. The biggest advantage is that it can Overdraft (with a certain credit limit)

Generally, bank cards are divided into two types: credit cards and debit cards.

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

How to fill in the company phone number for a credit card if you don’t know your company

If you don’t have a company, you can directly fill in 000-00000 as a freelancer. The bank will call you to inquire about the situation during the review. You can explain it to the bank staff. Other asset certificates can be provided to prove that the card applicant has financial ability to improve the approval rate.

When applying for a credit card, fill in the phone number. If you have an employer, you can fill it in truthfully. The bank will verify the situation over the phone to prove the work experience and income certificate of the card applicant. Having a fixed job and stable income will increase your credit card approval rate.

1. The reason why you need to fill in your work phone number for a credit card

The most basic conditions for applying for a credit card are that you must have good credit, a stable job and income, but just fill in the application form Information, it is difficult for the bank to confirm whether the employer and work situation filled in by the applicant are true, so the easiest way is to call the employer and let the applicant answer the phone.

If the applicant can receive a phone call, it at least means that he does work in this company.

2. You cannot leave out the credit card unit phone number

Absolutely not. The purpose of filling in the unit phone number is to successfully receive a return call from the bank. This is the key to the initial review of the credit card. The initial review was passed. , the bank will conduct the next step of review.

If you don’t fill in your phone number, or just fill in a fake phone number, and the bank can’t get through, it will definitely think that the applicant has filled in false information, and the application will be rejected directly during the initial review. How could it be possible? They will approve the card for you, and if serious, the applicant may be blacklisted. It will be more difficult to apply for a credit card from this bank in the future.

Notes on credit cards:

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

The small loans here refer to It is a non-bank loan. The reason is simple. If the bank sees that you are borrowing even small loans, then you are definitely short of money. Usually people borrow small loans when they cannot get a loan from a bank. Once there are too many inquiries about small loans, large credit cards will basically be out of reach for you.

2. You cannot apply for credit cards frequently in a short period of time

Generally speaking, multiple credit cards of each bank have exclusive quotas (except for some products such as China Merchants Bank installment plans, etc.) , that is, multiple credit cards from the same bank cannot increase the total limit. If you need a high limit, you can only apply for credit cards from several banks to support it.

Every application will leave a record on the credit report. If you apply for a card frequently in a short period of time, the bank will be able to see your multiple application records and wonder whether there is a problem with your financial situation? Do you need money urgently? As a result, the downgrade and derating of the card approval, which could have been approved for 50,000 yuan, may end up being approved for 10,000 yuan.

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

For the convenience of customers, almost all banks have opened up online application channels. However, the information provided through online application is relatively limited. For example, some banks cannot even upload car and house records. Therefore, the financial proof you can provide is limited, resulting in the bank not being able to see how much matching strength you have, and ultimately the card limit is relatively average.

The company does not have a landline phone number. How should I fill in the company phone number when applying for a credit card?

The company does not have a landline phone number. You can directly fill in 000-00000 in the company's landline phone number column on the credit card application form. During the review, you need to pay attention to calls from the bank. The staff may ask for additional company phone numbers. At that time, you can explain the situation to the credit card center staff.

However, it should be noted that the company's lack of a landline may give the bank review department the impression that your job is not very stable, which may affect your personal overall score, resulting in the approval not being passed or the review being downgraded. The credit limit is not high; but if you can apply for it, the subsequent activation and use of the credit card will generally not be affected.

Credit card review:

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, the bank 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. .

: Credit card

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only.

How to fill in the credit card company phone number

1. First, take out a slip and a pen for credit card company phone number.

2. Next, write the name of the unit and the name of the person filling in the form.

3. Finally, fill in the unit’s phone number truthfully on the form.

How do I fill in my work phone number when applying for a credit card?

Hello, 1 Colleague phone number: If the company does not have an official unit phone number or the personal position arrangement does not have a phone number, we can fill in the company front desk phone number or the fixed phone number of other departments, but it is best to contact ourselves Familiar departments and familiar colleagues can avoid embarrassment during the review.

2 Phone numbers of relatives and friends: If we are temporarily unemployed, we can also choose to fill in the landline phone numbers of relatives or friends at home, but we must remember to inform them in advance.

3 No landline number: Generally, the company phone number needs to be filled in truthfully. If not, you don’t need to fill it in. If you need to fill it in, you can fill in 000-00000 or the area code and mobile phone number, which means there is no company landline number. At that time, you can explain the situation to the staff at the credit card center. Some banks have strict audits and may require additional company phone numbers to prove that the cardholder has a stable job.

It is best not to fill in or make up the company's phone number, lest the bank cannot call or find the person during the phone review. If you fill it out incorrectly, credit card approval will fail. Moreover, once the applicant calls the work phone number, it is likely to be recorded by the bank, causing personal credit damage. Not only was the application unsuccessful, but the credit card application failed again.

: 1: What is a credit card?

Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. They are issued by banks or credit card companies to cardholders based on the user's credit and financial resources. Cardholders do not need to pay cash when using their credit cards and will pay back the amount on the settlement date. Except for the combination of some credit cards and debit cards, general credit cards are different from debit cards and cash cards. Credit cards are not debited directly from the user's account.

Credit cards are special carrier cards with consumer credit issued by commercial banks to individuals and organizations for shopping, consumption, and depositing and withdrawing cash in banks. It is a form of card with the name of the card issuer, expiration date, number and cardholder name printed on the front, and a magnetic strip and signature strip printed on the back.

A real credit card has the following characteristics: cash deposits are not encouraged, consumption is done first and repayment later, interest-free repayment period is available, repayment can be made in installments (minimum repayment amount), and international credit cards such as visa and master are included. Card organization for global use.

That’s it for the introduction of how to fill in the credit card company phone number.