The provided bank card is in an abnormal state. Loans and lending require bank cards. If the bank card is lost during the loan, and the borrower goes to apply for a replacement card to report the loss, then the original bank card will definitely not receive the repayment normally. At this time, the borrower is advised to contact the lending institution in time to modify the bank card information before lending, so as to ensure that the bank can lend money smoothly.
The approval speed is slow. Some loan products often need to go through the audit stage after the preliminary examination, and the final audit results will come out after the final examination. Therefore, when handling a loan, you can always see the expected audit time of the product, ranging from one day to half a month. But in fact, each bank and institution has different speed in approving and issuing loans, and the page often shows the fastest approval time, but the specific approval time depends on the completeness and authenticity of the information submitted by the applicant before.
The application time is wrong. Under normal circumstances, banks or financial institutions review loan applications within working days. If the borrower applies during some non-working hours such as weekends or holidays, there will basically be a delay and the account will not arrive soon. Especially in the case of system upgrade or more customers, the loan amount may be delayed for a period of time. Therefore, when applying for a loan, we must also control the time period to avoid delaying business because of the slow loan.
The bank is short of funds. Usually, there is a limit to the amount that banks can lend each year. If the time of the lender's electricity loan is wrong, or the lender is unlucky, and the bank that chooses to apply for the loan happens to be in a period of insufficient funds, it is not impossible to delay the lending time, even after several months.
Other factors. Sometimes when banks lend money, they will encounter policy changes and government investigations. Under such circumstances, banks can only slow down the lending speed of loans, and internally need to make certain adjustments according to policies before lending. Although this situation is not very common, once it happens, you can only say that you are unlucky.