1. Wrong application materials: If the applicant's application materials are wrong, the bank will take the next step after verifying the information inquired by telephone, such as rejecting the application or asking for correction of the information.

2. Incomplete application materials: If the applicant's application materials are incomplete, the bank will ask the applicant to submit more materials after verifying the information inquired by telephone.

3. Risk control: The bank will conduct more rigorous examination on some applicants to ensure the safety of their identities and credit records. This includes verifying more personal information, such as work unit and income.