What should I do if I don’t have a landline phone number when applying for a credit card? If I don’t fill in the landline number, it will be rejected in 100 seconds

There is a column of landline phone number in the credit card application form that is required. If you don’t fill it in or when you return to the bank for a return visit, If this landline number is down or no one answers the call, then your credit card application will have a high chance of being rejected, and may even be rejected instantly by the bank. What should I do if I don’t have a landline phone number when applying for a credit card?

1. The importance of landline phone in applying for a credit card

What should I do if I don’t have a landline phone when applying for a credit card? Why does the bank require a landline phone number? It may be that the bank is afraid that if the customer fails to repay the overdraft in the future, they will not be able to find anyone if they call for collection. Nowadays, many people keep changing their mobile phone numbers or turning them off. If the debt is collected, they can’t even make a call. Banks are not allowed to have bad debts, so leaving a landline phone number can make the bank feel at ease.

In addition, there is a traditional requirement for applying for a credit card: having a stable job. What should I do if I don’t have a fixed phone number when applying for a credit card? It is best to leave the company's landline number, which can reflect the stability of your work and income. So if you don’t have a business phone number, you can easily be rejected when applying for a credit card.

2. What to do if you don’t have a fixed phone number when applying for a credit card

The fixed phone number in the credit card application form is, firstly, for the bank to conduct a telephone return visit to the card applicant in the future; secondly, if the cardholder When repayments are delayed or even malicious arrears occur, we hope to find someone through the landline. What should I do if I don’t have a landline phone number when applying for a credit card?

1. Choose to fill in the landline phone number of your relative or friend;

2. Install a landline number and then transfer it to your mobile phone;

3. Fill in the company Landline.

What should I do if I don’t have a landline phone number when applying for a credit card? You must learn to ask others for help. If you do not fill in the landline number, your credit card may be rejected by the bank within 100 seconds. If you want to successfully apply for a card, find a way to find a landline number and fill it in.

To apply for a credit card, I need the company’s landline phone number. What should I do if I don’t have one?

There is no company landline phone number when applying for a credit card. If you are still using a landline phone at home, you can also fill in your home landline number. If you are not using a landline phone at home, you can also fill in the phone numbers of close relatives and friends.

When applying for a credit card, filling in the landline number can facilitate the bank's review and return visit. It can be said that filling in the landline number may not necessarily result in a smooth card application, but if it is not filled in, it is very likely that the review will not be passed. Therefore, those friends whose company does not have a landline but want to apply for a card can fill in the landline number of their own home or the home of relatives and friends.

Extended information:

The necessity of filling in the landline phone number when applying for a credit card:

The bank requires that the landline phone number be filled in when applying for a credit card, in order to ensure that the applicant's life and Regarding the stability of your job, if the company does not have a fixed telephone number, the bank will consider your job to be unstable during review, which may affect your overall personal score, resulting in a failure to pass the approval or a low credit limit after review.

In addition, filling in the landline phone number also facilitates the bank's credit investigation review during credit card review. If you do not fill it out, the card removal rate will be greatly reduced.

How can I apply for a credit card if my company does not have a landline phone?

If your company does not have a landline, you can fill in the landline numbers of your relatives and friends, and unify the answers to avoid loopholes when the bank conducts phone calls. If your relatives, friends and company do not have fixed telephone numbers, then directly fill in 000-00000 in the fixed telephone number field of the company on the credit card application form. During the review period, you need to pay attention to calls from the bank. The staff may ask to add the company telephone number. At that time, you can contact the credit card center The staff explains the situation. Generally speaking, companies and units have fixed telephones, but a very few do not. You can say hello in advance, fill in the landline phone numbers of other people in the company, and explain the situation. The result of credit card application shall be subject to actual review by our bank. The necessary application documents are copies of identity certificates and employment certification documents. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and determine your credit limit.

If you are interested in China Merchants Bank credit card and have never held a credit card from our bank, you can apply in the following 4 ways:

1. Please log in to the credit card website and select "Apply for Credit Card" - "New Customer Application" ”;

2. Please bring your original identity certificate, employment certificate and financial certificate documents and go to any branch of China Merchants Bank to handle the application in person;

3. You can also call the customer service hotline, Select "3#" in the voice to apply for credit card consultation, and then select "1" to transfer the service specialist to register for you and notify our local staff to contact you to confirm the application.

4. If you have applied for the professional version of our bank’s online banking, you can apply through the professional version. Please note that the credit card status will be subject to the final review result.

Credit card application method:

1. Application at the counter: Bring credit certificate to the counter to apply: Applicants are required to submit relatively complete asset certification documents and submit materials to the bank for review by the bank's backend. Department review; after passing the review, fill in relevant information and identity information; issue credit card.

2. Online banking application: The applicant uses a savings card account under his or her name to open online banking and enter the bank's official website; enter the login password and verification code to enter the online banking page; click "Credit Card Service" to access the credit card service Select to apply for a credit card under the page, fill in the information and submit. The review progress and results will be displayed on online banking; after the review is passed, the credit card will be issued.

How to apply for a credit card without a company phone number

When applying for a credit card, you need to leave a landline phone number mainly because the bank needs to understand the stability of your work and life. Generally, it is better to leave a company landline phone number. many.

If your workplace does not have a landline, you can directly fill in 000-00000 in the company's landline column on the credit card application form, or you can choose the company's front desk or HR department's landline.

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.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.

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, banks 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. .

Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed.

At this point the applicant becomes the card holder and can officially start using it after signing on the back of the card.

After opening a credit card, you generally need to set up a password for the card. After a credit card merchant or bank accepts a credit card, it must review the validity of the credit card and the identity of the cardholder.

Is a landline necessary to apply for a credit card? What should I do if I don’t have a landline to apply for a credit card?

Nowadays, everyone has a mobile phone, and traditional landlines are hard to find in ordinary families. To apply for a credit card, you need to fill in a fixed number Phone, what if you don’t have a landline? Is it impossible to apply for a credit card without a landline?

When you fill in the credit card application information, if you do not fill in the landline number, the chance of the bank issuing the card will be much smaller. You must have a landline phone number to apply for a credit card because the bank uses this to determine the stability of your life and work. Generally, when banks review your qualifications for applying for a card, they will make a follow-up visit to the fixed phone number you filled in to ensure that the information you provided is accurate.

How to apply for a credit card if you don’t have a landline?

1. Fill in the company’s landline number

Generally, it is best to fill in the company’s landline number in the landline column, as long as the bank verifies your basic information and work after a return visit through the landline , income information, and basically credit cards can be approved.

2. Fill in the landline numbers of relatives and friends

Friends who do not have a job can borrow help from relatives and friends to apply for a credit card. It is best to choose someone who is reliable and can help you smoothly. Follow up the phone call from the bank.

In principle, you must use a landline to apply for a credit card. Banks generally will not call you frequently. You can safely fill in your landline number, so that the approval rate of your card will be higher.

What to do if you don’t have a landline phone number when applying for a credit card?

If you don’t have a landline phone number when applying for a credit card, you can fill in the company’s landline number or fill in the landline number of a relative or friend.

1. Fill in the company's landline number

Generally, it is okay to fill in the company's landline number in the landline column, as long as the bank verifies your basic information and work after a return visit via the landline. Income information, basically a credit card can be approved.

2. Fill in the landline numbers of relatives and friends

Friends who do not have a job can ask relatives and friends for help when applying for a credit card, as long as they call back through the bank.

This ends the introduction on how to apply for a credit card without a landline and credit cards without a landline. Have you found the information you need?