1, my query: If I am in i query, it can be regarded as my active management of personal credit, which has little impact, but I can't make frequent inquiries. Generally, I go to the People's Bank to print a detailed version of the credit report twice a year, which is free. It is recommended not to query more than three times a year.
2. Institutional inquiry: If it is an institutional inquiry, it will affect your loan or credit card application, including credit card approval, guarantee qualification review, loan approval and post-loan management.
Loan approval: As the name implies, the lending institution will check your credit information and show the loan approval.
Credit card approval: This means that when applying for a credit card, the credit card will check your credit information.
Pre-insurance review: when you buy insurance, the insurance company checks your credit information. Generally speaking, you don't need to check the credit information to buy ordinary insurance. Generally, if you buy a major property insurance, you will check whether your credit information is too high. (In addition, inquiries from some small companies or P2P loan companies will show pre-insurance review. )
Post-loan management: This means that banks will make irregular return visits after issuing loans. This post-loan management query does not require your authorization for direct query.