I don’t know whether you are applying for a credit card, a mortgage or a personal loan. Generally speaking, if you are applying for a credit card, after you answer the phone, the result will usually come out in 3-5 working days. At this time, you can check it on the bank's official website. After approval, the card will be printed and mailed. If you are applying for a mortgage or personal loan, please verify it by phone at the head office. Depending on the bank, generally speaking, commercial loans will be processed within 5-10 working days, and provident fund loans will be processed within a month.

From April 1, 2021, in accordance with Article 16 of the "Anti-Money Laundering Law of the People's Republic of China" and the "Measures for the Management of Customer Identification and the Preservation of Customer Identity Information and Transaction Records of Financial Institutions" Article 19 and other relevant regulations stipulate that "financial institutions shall not provide services or conduct transactions with unidentified customers, and shall not open anonymous accounts or pseudonymous accounts for customers." The identity information retained in the bank is incomplete and untrue. The account under the customer's name will be suspended from providing financial services.

The information that needs to be completed includes: name, gender, nationality, occupation, place of residence or work unit address, contact number, identity document, type and number of identity document and validity period of the document. A complete piece of personal customer information is the basic authentication of the customer's identity and the basic condition for customers to handle business in the bank; it can also prevent units and individuals from being opened accounts under false names by criminals, and reduce economic disputes caused by false names and anonymous account openings. and losses.

If the information is incomplete and untrue, in accordance with relevant national regulations, non-counter channel transactions will be affected if personal information elements are missing and if the information is not updated within a maximum of 90 days after the first prompt of the bank text message. ; If the customer information is not re-identified within a reasonable period, the customer will be suspended from handling some business. Specifically, financial services involving inquiries, deductions and settlements, etc. will be restricted. The bank will also proactively send text message notifications to the mobile phone numbers of customers with incomplete reservation information. Such text messages are sent in a targeted manner and will not be received by customers with complete information.