What should I visit when making a credit card call?

Credit card callback is a hurdle that we will all experience on the way to handle the card. Many people are nervous when they call back. This is mainly because they don't understand. Today, inspectors will share with you common sense, questions to ask, and some precautions and strategies. After understanding, you can naturally face the return call calmly, thus improving the success rate of card withdrawal.

Calling back is usually the last step in applying for a credit card. After the information filled in by the applicant is approved, the bank auditor will conduct spot checks on the information provided by the applicant. At this time, the bank will call the applicant back. Generally, the return call of the bank will call the applicant and fill in the company's landline and personal mobile phone number on the information. Some banks can only make one phone call, and some banks can make both numbers. Credit card return visit is a spot check. Not everyone who applies for a credit card will receive a return call from the bank.

The bank will ask the applicant if he has a card, ID number, home address, home phone number, name of work unit, address of work unit, phone number of work unit, current position, working years, etc. These are all personal information filled in when you apply for a card, as long as you are familiar with it and remember it. If the answer is consistent with the information filled in the application, you can call back. Of course, you can't rule out asking some wonderful questions, so you should pay attention at this time.

(1) The information in the application materials must be kept in mind, and never answer wrong. If you meet a good customer service, you may be reminded of the wrong answer and the correct answer; If you encounter difficulties, you may deliberately say the wrong information to see if you can correct it, but we should not pin our hopes on others. It is safest to remember this information.

(2) Be sure to greet the company's front desk or administration to avoid returning to the company's fixed line. The person who answers the phone doesn't know you are in the company or what position you are filling. If something goes wrong with this link, it will basically get cold; If nobody answers the phone at work, you can answer it. Maybe the duty officer left temporarily.

(3) If asked, where do you want to send the card? Don't hesitate to say firmly that it is enough to send it to the company address; Mailing home may mislead the bank into thinking that your job is not stable enough.

(4) If you encounter information that you can't remember, you can use the excuse of "the cell phone signal is bad and you are in a meeting" to ask the bank to call in a few minutes, and then you can use this time to quickly find information.

(5) If you ask some wonderful questions that are not written in the application materials, such as: Is XX your colleague? What's the name of the four-story teahouse next to your company? Is there a XX gym next to your company? When you encounter information that is not filled in the application materials, you should answer "there may be this person, but there are too many people who are unfamiliar with our company"; In short, for unknown questions, wonderful questions and questions not written in the application materials, we must have the ability to improvise, and don't answer yes; The correct way is, I don't know, I haven't seen it, I don't know much about it.

(6) What should I do if I miss the call? If you don't receive the first call from the bank, under normal circumstances, the bank will call again; But some will not fight again, but directly refuse; If you miss the bank's return call, it is recommended to contact the customer service of the bank credit card as soon as possible for telephone audit.

If the return visit is successful, the bank will review all the information of the applicant, and the card will be approved in about a week, and the audit result will be notified as soon as possible on the same day. If the return visit is not smooth, for example, the applicant does not answer the phone, the information is inconsistent with the application materials, and the thinking time for answering questions is too long. It may make the bank think that there is something wrong with the applicant's information, resulting in the application card being rejected; Therefore, we should take the return call seriously, whether it will call us or not, and prepare for the answer in advance according to the above contents.

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