If there is no unit, freelancers can fill in 000-00000 directly, and the bank will call you to ask about the situation during the audit, and then you can explain it to the bank staff. Other assets can be provided to prove that the cardholder has economic ability, so as to improve the audit pass rate.
Fill in the phone number when applying for a credit card. If there is a unit, you can fill it in truthfully. The bank will verify the situation by telephone to prove the cardholder's work experience and income certificate. Having a regular job and a stable income will improve the pass rate of credit cards.
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
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In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get 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 guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. [9]
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After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
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After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.
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Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.
After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.
How do I fill in the company phone number when I apply for a credit card?
Hello, 1 Colleague's Phone: If the company doesn't have a formal company phone number or a personal position arrangement phone number, we can fill in the phone number of the company's front desk or the fixed phone number of other departments, but it's best to find familiar departments and colleagues to avoid embarrassment during the audit.
Telephone number of relatives and friends: If we are temporarily unemployed, we can also choose to fill in the fixed telephone number of relatives or friends at home, but we must remember to inform us in advance.
3 No landline number: generally, you need to fill in the company phone number truthfully. If not, you can leave it blank. If you need to fill in, you can fill in 000-00000 or area code mobile phone number, indicating that there is no company landline number. You can explain the situation to the staff of the credit card center then. Some banks have strict audits and may need additional company phone numbers to prove that cardholders have stable jobs.
It is best not to fill in or fabricate the telephone number of the company, in case the bank can't dial or find this person in the telephone audit. If you fill it in indiscriminately, the credit card approval will fail. Moreover, once the applicant does it in the company's telephone column, it is likely to be recorded by the bank, causing personal credit damage. Not only did the application fail, but the credit card application also 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 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders don't need to pay cash when using credit cards, but pay back on the settlement date. Except that some credit cards are combined with financial cards, general credit cards are different from debit cards and withdrawal cards. Credit cards do not directly debit the user's account.
Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units for shopping, consumption and cash deposit and withdrawal in banks. It is a form of card with name, expiration date, number and cardholder's name printed on the front, and magnetic stripe and signature strip printed on the back.
Real credit cards have the following characteristics: cash deposits are not encouraged, consumption is followed by repayment, interest-free repayment period is enjoyed, repayment can be made in installments (minimum repayment amount), and international credit card organizations such as visa and master are increased for global use.
I don't know how to fill in my company's telephone number.
If there is no unit, freelancers can fill in 000-00000 directly, and the bank will call you to ask about the situation during the audit, and then you can explain it to the bank staff. Other assets can be provided to prove that the cardholder has economic ability, so as to improve the audit pass rate.
Fill in the phone number when applying for a credit card. If there is a unit, you can fill it in truthfully. The bank will verify the situation by telephone to prove the cardholder's work experience and income certificate. Having a regular job and a stable income will improve the pass rate of credit cards.
1, the reason why credit cards need to fill in the company phone number.
The most basic condition for applying for a credit card is that you must have good credit and a stable job and income. However, it is difficult for banks to confirm whether the applicant's company and work situation are true only from the information filled in the application form. The easiest way is to call the company and let the candidates answer the phone.
If the candidate can get a call, at least it means that TA really works in this company.
2. The phone number of the credit card company cannot be empty.
Absolutely not. The purpose of filling in the company phone number is to receive a return call from the bank smoothly, which is the key to the preliminary examination of credit cards. After the first trial is passed, the bank will conduct the next audit.
If you don't fill in the phone number, or just fill in a fake phone number, the bank will not be able to get through, and you will definitely think that the applicant's false information will be passed directly at the first time. How can it be approved? If it is serious, it may be blacklisted, and it will be more difficult to apply for a credit card from this bank in the future.
Precautions for credit cards:
1. Never touch small loans (especially those with credit information).
Microfinance here refers to non-bank loans. There is a simple reason. When the bank sees that you can even borrow a small loan, it must be short of money. Usually you can't get a loan from the bank before you borrow a small loan. Once there are too many inquiries about small loans, basically large credit cards will leave you behind.
2. You can't apply for cards frequently in a short time.
Generally speaking, multiple credit cards of each bank are entitled to the quota (except for some products such as installment of China Merchants Bank), that is, multiple credit cards of the same bank cannot increase the total amount. If you need a high amount, you can only apply for more credit cards from several banks for blessing.
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 can see your multiple application records, thus wondering whether there is a problem with your financial situation. Is it urgent to use money? The card that led to the downgrade could have been approved for 50,000 yuan, and may have been approved for 1 10,000 yuan in the end.
Don't apply for a credit card online easily.
In order to facilitate customers, almost all banks have opened up online application channels. However, the information provided through online application is relatively limited. For example, some banks can't even upload their own car books and room books. Therefore, the financial proof you can provide is limited, resulting in the bank not seeing how much matching strength you have, and finally the card amount is relatively average.
So much for the introduction on how to fill in the telephone number of the credit card company.