Pre-examination of credit information: also known as the preliminary examination of bank loans, refers to the preliminary examination and approval of the information submitted by the applicant by the bank, and generally goes through relevant processes in the banking system. Generally speaking, when an applicant applies for a loan or credit card in a bank, the relevant departments of the bank will conduct a preliminary review of the information submitted by the applicant. If the lender has not left a default record and credit stain in the bank before, it will basically pass the final form review of the bank loan in about a week.