1. Personal information: The applicant’s basic information and work information are what banks and loan companies want to know, because they can understand the car owner’s financial situation.

2. Credit record: It mainly depends on the loans and credit cards in the car owner's name, whether there are any overdue records, whether there are any loans that have not been repaid, and whether they have the ability to bear the loan again.

3. Public *** information: You can see whether the car owner has been subject to administrative penalties and whether there is any record of forced repayment by the court.

4. Inquiry records: If the car owner often applies for a credit card, he or she will be able to see the agency querying the car owner's credit record, which can reflect the car owner's financial situation from the side.

1. Personal information: The applicant’s basic information and work information are what banks and loan companies want to know, because they can understand the car owner’s financial situation.

2. Credit record: It mainly depends on the loans and credit cards in the car owner's name, whether there are any overdue records, whether there are any loans that have not been repaid, and whether they have the ability to bear the loan again.

3. Public *** information: You can see whether the car owner has been subject to administrative penalties and whether there is any record of forced repayment by the court.

4. Inquiry records: If the car owner often applies for a credit card, he or she will be able to see the agency querying the car owner's credit record, which can reflect the car owner's financial situation from the side.