Of course not a liar.

Under normal circumstances, China Merchants Bank will call you only when you apply for a bank card online to repeatedly confirm whether you want to apply for this card. After you confirm by phone, the bank will Turn on the card printing and help you send the card to you by mail, so it is not a scammer at all.

If it is a scammer, he will not directly tell you to apply for a card. Under normal circumstances, scammers will directly ask you to get a credit loan from China Merchants Bank, and then tell you how much you borrowed, or what loopholes are in your credit report, saying that your credit limit cannot be approved because you have not paid the amount. Membership fees, or even your quota cannot be approved because your assets have been frozen. As long as you hear the above words, you will confirm that these are scammers, because scammers will say there is something wrong with your account and ask you to solve it immediately. Under normal circumstances, if there is any problem with your account, the staff will contact you directly and use very standard Mandarin to tell you your accurate information, and will not beat around the bush to get your information. The real staff on the phone will also ask you whether you are doing any business, and the bank staff will directly help you solve these problems on the phone. However, the scammers need you to know your bank card number, or ask you to send a verification code, all of which It's a very common scam.

Don’t panic at this time. If you have indeed applied for a credit card online, the customer service staff of China Merchants Bank Credit Card will indeed call you to confirm whether you really need to apply for this credit card. If you don't need it, you can tell him directly that you don't need it. If you need it, you can tell him your basic information and ask him to mail the bank card to you, and there won't be any mailing involved. cost.

Anyone who deceives your basic information for improper reasons is a liar. If they say they are not defrauding you of any information, but are just confirming whether you want to apply for a bank card, then they are real bank staff. If you are really worried, you can call the customer service number of China Merchants Bank to inquire about the situation, which will make you feel more at ease.