Calling to verify information

[Anonymous]

I'm asking this for my DH. When you are asked to call a credit card for information, What questions are normally asked?

[RobertEG]

Credit card companies place calls to consumers when they see suspicous activity,  such as multiple large charges in the same day.

It usually does not mean anything is amiss, and they are simply checkting to verify that you made the transaction.

It is a useful and appropriate means to check for possible identity theft........

[Anonymous]

I worded that wrong. After applying for a credit card and getting an instant approval, the credit card company asked to verify information. .... he was wandering for instance. .. will he have to show proof of where he works for example. .... ?

[RobertEG]

Approval criteria vary with creditor.

Some creditors will, if the credit limit is small or the card is secured, rely primarily or entirely on application information and credit score only.

They may not even, although they also get a credit report, even do a manual review of the report contents.

Others may do a manual review of the credit report or request additional information not even considered in FICO scoring, such as employer, employment time, and income.

The degree of additional information requested may depend upon the credit limit being considered, and vary with the results found in a preliminary manual review, etc.

[FlippinFrogs]

I just got a call to verify when I applied to Khols online. I called and when I asked there was a problem with the application because it did not report the answers to the verification questions to them. ie "In 2015 you may have opened a credit line with X company. Please choose:.a) b) c) d). " We did it over the phone and I was approved for $600.