In fact, it is a third-party credit inquiry system for lending institutions. It uses big data technology to integrate the loan records of various online lending platforms. When a borrower submits an application, if the user's credit record shown in online loan big data is too poor, it will affect the loan application. Big data in credit cards is composed of thousands of Internet data and has been widely used. Now many banks will use big data as a risk control reference when approving loans and credit cards. Big data can It detects an individual's recent card and loan usage, Internet consumer finance, returns, and online and offline installments to comprehensively assess the individual's credit status. Generally speaking, if an individual's risk index is high, it means that the person has poor credit. , Insufficient repayment ability and due to risk control considerations, the bank will naturally reject your credit card and loan applications. Obtain a credit card risk report through card inspection, which will provide analysis of your credit card consumption behavior and credit card transaction behavior to analyze your credit card usage and help cardholders better understand the use of credit cards.