How to choose the credit card entry channel? What's the call back from the bank?

Whether the credit card application can be approved or not, whether the initial amount approved is high or not, is actually related to your purchase channel. So, how to choose the entry channel of credit card? In addition, after the import, the bank will call to verify the information after the initial review of the system. This link is very important. What should I pay attention to? In this article, pomegranate jun will talk about these two things.

First of all, what are the import channels of the card, and what are the advantages and disadvantages.

Card stand

The so-called card position is what people often see in shopping malls, office buildings, residential areas and even subway stations.

Generally speaking, there are three kinds of people who set up stalls in public places. One is the staff of the bank credit card center; The second is the staff of bank outlets; Third, the credit card Commissioner personally set up a stall. The purpose of the three types of people to set up stalls is the same, that is, to increase the amount of cards issued and complete the performance appraisal of departments or individuals.

Comparatively speaking, it is more efficient and safer to approve documents through the credit card center of the bank and the stalls of the bank outlets. Through the personal booth of the credit card specialist, first, the efficiency may be low; Second, there may be the risk of information leakage. In order to earn extra money, Commissioner Card sold all the personal information of the applicant.

Of course, there is another situation. Not a bank, but a third-party channel provider. In this case, it is even more unsafe to fill in personal information. Therefore, it should be noted that when setting up a card stall, the identity of the cardholder should be verified first, and the cardholder's work number should be recorded.

Set up a stall to run a card, which is usually a jinpuka. Even if you apply for a high-end card, you may be downgraded to a card issuance. This is because the bank's card issuance through the stall channel itself is not aimed at high-end customers, and it is not easy for high-end cards to apply through the stall channel. Of course there are exceptions. For example, many people apply for Bai Qilin by setting up a stall. The most important thing is to look at the qualifications of the applicant.

Point feed

Store entry is a traditional way to handle cards, and applicants need to go to the bank to fill out forms and submit materials in person. This method is slow, and it takes a certain amount of time from offline data to warehousing to auditing. But outlets are more suitable for high-end cards or high-limit credit cards.

This is because when you enter a bank outlet, you can submit more sufficient materials, including your bank account, income certificate, social security certificate, property or vehicle and other assets certificates. The more sufficient materials are submitted, the higher the success rate of card processing and the higher the initial quota.

At the same time, face-to-face communication with the card manager of the bank can help you better understand what kind of card you are suitable for, and you have a great chance of getting it. Communicating with the bank's card manager itself can also increase the bank's trust in you, which is a process of increasing trust. There are also some high-end cards among online celebrities that may require you to move bricks or buy wealth management products, which need to be completed at bank outlets. Therefore, friends who want platinum cards or higher-level credit cards, it is best to choose this way to import.

Online application

Online application includes several situations, and some applications are made through bank official website, online banking, bank official WeChat or other channels (for example, agricultural bank KBao also belongs to official website channel); The second is to apply through a third-party card issuing platform authorized by the bank. No matter which channel you apply through, the application materials are filled in online, directly entered into the bank credit card center, and reviewed by the bank online. Therefore, this way is the fastest.

It should be noted that if you apply for a card through a third-party card issuing platform, you must choose a regular big platform for information security reasons, and don't leave personal information on small websites at will. Generally, you can apply for a card in a regular Taipingtai, and you can also jump directly to the bank in official website to apply. The platform cannot keep personal information, which is of course required by the bank.

Although online application is fast, there are two bugs. First, because you can provide sufficient materials, unlike applying at outlets, online applications often only need to fill in an application form, and the conditions that banks can see for you to apply for a card are limited, so the chances of getting a Jinpu card are generally higher and the amount is lower.

Another Bug is that if the card is issued through a third-party card issuing platform, there is a certain chance that it will be rejected innocently. This is because banks will also control the approval rate of third-party channels, which can be said to be the "hidden rule" of cooperation between banks and third-party channels. For example, the default approval rate of a platform this month is 5%, and there are many qualified applicants in the current period, exceeding 5%. Then, even if your card qualification is ok, you may be rejected by the bank. In this case, if you apply again through another channel, you may pass.

Make an appointment to visit and organize a group meeting.

In some banks, you make an appointment to apply for a card online. After receiving the application, the bank will send someone to handle it at home. For example, Pomegranate Jun's HSBC card was issued through this channel. There are two other situations. One is that you have filled in some application materials online, and the other is that you have made an appointment directly without filling in any information online. In the first case, if home delivery is possible, the approval rate is relatively high.

There is also a case of working in a group, for example, employees of a company handle cards together, usually at the bank door. Generally speaking, the group office is handled collectively for the work units or personnel that the bank thinks are suitable for issuing cards. In this case, as long as there is no personal credit problem, cards can generally be issued and the amount is guaranteed. However, the group office must accept a certain number of card holders, and these personnel are required to have good qualifications, otherwise it is not easy to go to the group office.

On the whole: If you only want to apply for a Jinpu card, and it is fast and less obsessed with the quota, it is more reliable to take the official online application channel of the bank. The quickest way is to approve the card on the same day, and you can get it in the same city the next day, and you can get it within one week at the latest. If you want a high-end card or a high quota, it is more appropriate to actually go to a bank outlet in person.

Let's talk about how to respond when the bank calls back. Usually, it is enough to master the following principles:

1. Leave your real company phone number.

Be sure to leave a true and correct telephone number for the fixed telephone. It's best to leave your company phone number, and the extension number should be specific to the extension number. If not, leave the front desk phone number. But you need to say hello to the front desk to prevent the other party from missing or pushing you away. Missing or rejecting the bank's return visit may directly lead to the failure of handling the card.

2. The answer is consistent with the application form.

Answering questions must be consistent with the application form, especially the working years, positions, assets, income and so on. Speaking of income, you can count your income other than salary, such as bonus and part-time income (such as rent income and wealth management income). ).

3. Answer irrelevant questions truthfully

The core question about the qualification for handling a card should be consistent with the application form. In addition, nowadays, bank phone calls often design some trap questions and ask some irrelevant things. If you meet them, you can answer truthfully.

The above is the content of this article.