On the way to apply for a loan, many friends managed to get the loan amount. I didn't expect to get the wrong call from the credit manager, so the loan they got flew away. Many borrowers have done "wrong things" unintentionally, but they are still in the dark and don't know where they are wrong. Today, I took stock of some minefields that people stepped on when answering the phone call from the credit manager. You can have a look, which can help you get a loan smoothly.

Minefield 1: Refuse to answer the phone of the credit manager.

In order to prevent harassing calls, many small partners have installed Tencent housekeeper or 360 mobile phone housekeeper in their mobile phones. These softwares will intercept unknown calls, and some people will put labels on the caller ID.

Many boring people will post bad words such as "harassment" on the normal loan review phone, which makes many small partners think they are liars and choose to hang up directly. This kind of behavior is inappropriate. Although this kind of psychology is understandable, it would be a great pity if you didn't get the loan because you didn't receive or refused to answer the phone call from the credit manager.

Tip: Keep the phone open, whether it is harassing the phone or not, it is right to answer it first. If it's harassing phone calls, it's not too late to be blacklisted.

Minefield 2: arrogant attitude and rampant tone.

Many people are used to being young masters and public officials in their daily lives, and feel that the sun revolves around them. When answering the phone call from the credit manager, he is arrogant, thinks that he is a customer and should be above others, and even threatens the credit manager to lend. As a result, even if your qualifications allow you to get a loan smoothly, the credit manager will think you are unreliable and refuse your application.

Tip: Loan is a relatively passive thing. If you are still so arrogant, isn't it unreasonable? Keeping a mutual understanding and having a pleasant conversation will make it easier to get a loan.

Minefield 3: lie about personal information and commit fraud.

The credit manager called you to know the authenticity of your application materials. If you are hesitant and evasive, the examiner will probably think that the information you fill in is untrue and fraudulent. For example, in order to get a higher loan amount, some loan applicants will lie about their salary, saying that 2,000 yuan is 3,000 yuan or more. If this happens after verification, the loan officer will think that you are suspected of fraudulent loans, and it is certainly difficult to obtain loans.

Small coup: seek truth from facts, answer according to your application materials, and don't cheat.

Minefield 4: Unknowingly reveal bad information or bad hobbies.

Many cheerful people actively answer the questions of credit managers in order to get loans smoothly. I accidentally talked about it, and I said everything I should and shouldn't say. For example, I applied for a loan many times before but failed, or I was playing mahjong when I answered the phone, and I could clearly hear the sound of mahjong on the other end of the phone. These details will be kept in mind by the credit manager, which is not conducive to applying for a loan.

Tips: Answer whatever you ask, don't be too enthusiastic, just keep a normal mind and try to answer the phone in a quiet place.

This is a minefield that people often step on. In fact, a little attention can avoid these mistakes. Therefore, in addition to excellent personal qualifications on the road to applying for loans, it is also important not to underestimate these details ~