No. A poor credit report is actually a common term used by people to refer to poor credit reports or too many inquiries from financial institutions. Jinhua Bank was established in December 1997. It is a modern commercial bank with sufficient capital, excellent asset quality and standardized management. However, personal credit reference is a "stepping stone" to apply for loans and credit cards. Now that the credit reference is spent, even in Jinhua Bank Loan applications will also be rejected.