Is the telephone callback for Rural Commercial Bank’s credit card safe?

The Rural Commercial Bank credit card phone return interview is stable: the pass rate is relatively high, because if there are deficiencies in the information, there is no need to call you to communicate.

1. Did the credit card telephone return visit pass?

The telephone return visit is only the first trial link among many aspects of credit card review. The bank will usually call the applicant and his/her unit to verify whether his/her information and unit information are true and reliable. However, this does not mean that the credit card application was approved after receiving the call. After all, some banks will conduct second and third reviews. In addition, if the credit card applied for online, especially the first card, passes the preliminary review after a telephone return visit, the cardholder will be asked to go to the bank branch for an interview, and the interview will be successful. Although receiving a call from the bank does not mean that the application will be approved, as it is an important part of the credit card review, you should still be cautious.

2. Tips for answering credit card phone calls:

1. Remember the information filled in when applying for the card. It is best to make a copy and carry it with you so that you can answer questions from bank customer service at any time. It should be noted that important information such as company name, emergency contact information, home address, etc. No wrong answers are allowed or the card will be declined.

2. Some banks will ask you whether your credit card will be mailed to your home or to your office. Don't hesitate to say it will be mailed to your office.

3. When you encounter something you don’t remember or are unsure about, don’t try to answer it for a long time. Banks are very sensitive. You can use the excuse of poor cell phone signal and ask the bank to call you back in a few minutes, and then you can use that time to quickly look up information.

Reasonable use of credit cards is a good thing for us, but blind consumption and constant use of credit cards can easily lead to over-consumption. In real life, there are many cases where the consumption amount exceeds the repayment ability, resulting in overdue payments. Therefore, everyone must control their consumption desires when using credit cards. Spend what you can afford rather than overspending. Credit cards can save money, but they have many drawbacks. There is no interest on credit card deposits and no income, and there are also handling fees when withdrawing money. So don't put money on your credit card if you have nothing to do.