When applying for a credit card, filling in the phone number of your family member is not actually used for direct phone verification. Immediate family members and friends or colleagues listed on the form are listed as emergency contacts in case the applicant encounters an emergency. When banks approve credit cards, they mainly rely on the applicant's credit record, repayment ability, asset status and other factors, rather than relying on phone verification.

In recent years, although the scale of bank card credit has continued to expand, the non-performing rate has also increased simultaneously. According to central bank data, the proportion of overdue credit card credit balances in credit repayments has increased, prompting regulators to be more cautious about the use of credit card funds. Especially in the real estate field, regulatory policies have become increasingly strict, and banks require strict limits and reviews on credit card-related housing transactions to prevent cash-out house purchases. Therefore, credit management of credit card applicants has become particularly important. Even if you fill in your family phone number, it is not for actual verification, but to assess the overall risk.

In general, filling in family members’ phone numbers is to provide an emergency contact channel, and it is not that the bank will proactively contact them to verify the information. The core of bank approval for credit cards is still based on the applicant's credit assessment, rather than phone verification results.