No, there is a formal interview process for bank loans. The documents you need to provide include proof of income and salary card statements. As long as you meet the conditions in this regard, you do not need to provide credit certificates for deposits. . If the bank thinks you need to supplement your credit during the approval stage, you can print out the bank card slip of the deposit to the bank, so that the people following you at the time don't know.

You can check whether the deduction was successful through SMS or bank customer service phone number. If it is unsuccessful, as long as the money has arrived in your card, the bank will automatically deduct the money for the second time the next day. Being one day overdue will not be reported to the People's Bank of China and will have no impact on your personal credit report. However, there will be an internal record of one day's overdue in the lending bank. This internal record is only for the reference of the mortgage bank. If it is only one day overdue occasionally, it will have little impact. It is recommended to set an alarm reminder to avoid similar mistakes.