I applied for a loan on my mobile phone because I was bored. The last step is to bind the bank card. I returned it without doing it. Now apply for a mortgage, saying that there was a loan before. What should I do? If the bank card is not bound, the funds have not arrived, and such a loan is invalid.

1. You can print personal credit records in recent years at the local people's bank for inquiry;

2. Ask the relevant bank personnel to find out the reasons for the historical loan records;

3. You can issue relevant certificates to the designated bank to prove that you have no historical loan record;

4. You can also find out whether anyone has applied for a loan under a pseudonym through the plastic record report.