the pass rate is high. If the personal credit report has no bad records such as overdue, no serious debts in the name, and there are not too many inquiry records of various lending platforms in the credit report, the pass rate of retrial with your pass card will be high. If there are too many inquiry records, it will waste credit information. When there are too many inquiry records in the personal credit report, the bank will apply for a loan, so the bank will think that we are short of money in the near future, so we apply for credit cards or loans frequently. Therefore, for such borrowers, the bank will also lend carefully.