Under normal circumstances, China Merchants Bank will call you when you apply for a bank card online to confirm whether you want to apply for this card. After your phone number is confirmed, the bank will open the business card printing and mail the card to you for you, so it is not a liar at all.

If you are a liar, you won't directly tell you to get a card. Under normal circumstances, the swindler will directly let you take the credit loan from China Merchants Bank, and then tell you how much you borrowed, or what loopholes exist in your credit, saying that your quota can't pass the examination and approval because you haven't paid the membership fee, or even that your quota can't pass the examination and approval because your assets are frozen. As long as you hear the above words, you will confirm that these are scammers, because scammers will say that 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 tell you the accurate information in very standard Mandarin, without getting your information from you in a roundabout way. On the phone, the real staff will ask if you are handling any business, and the phone will help you solve these problems directly through the bank staff. However, scammers need you to know your bank card number or send a verification code. These are very common scams.

First of all, don't panic at this time. If you do apply for a credit card online, the customer service staff of China Merchants Bank will call you to confirm whether you really need to apply for this credit card. If you don't need it, you can just tell him that you don't need it. If you need, you can tell him your basic information, and then ask him to mail your bank card for you, which won't generate any mailing fees.

Anyone who cheats your basic information for improper reasons is a liar. If you don't cheat any of your information, but just confirm with you whether to apply for a bank card, then you are a real bank employee. If you are really worried, you can call the customer service phone of China Merchants Bank to ask about the situation, so you will be more at ease.