Still checking. If the applicant submits a formal application after pre-approval, the bank will conduct a final review, and this step will check the applicant's credit record. The final judgment is a strict process, and the bank will comprehensively evaluate the applicant's credit history, income, occupation, family status and other factors. Therefore, in the final stage, the applicant's credit record will be inquired, leaving corresponding records, which will have an impact on the applicant's credit record.