Easily deceived.

If the bank does not lend money because of the lender's credit report, then there are two situations regarding the lender's credit report. First: I have had a serious overdue record. I believe everyone can easily understand this. After all, if you are overdue, it will have an impact on your personal credit. Banks will have concerns when lending money, and it is normal not to lend money. Second: Frequent credit checking causes the credit report to become "smooth". When some people go to get a loan, they find that the bank will not grant the loan. If they think carefully, there is no overdue situation. In fact, it may be that they check the credit information too frequently. There are many situations for checking credit information, including: credit card approval, loan approval, guarantee qualification review, personal inquiry and post-loan management. Most of these banks do not have high requirements for personal inquiries and post-loan management, but have stricter requirements for credit card approval, loan approval and guarantee qualification review. After all, these three can indicate that the lender may need money over a period of time. If these three factors appear more frequently in the inquiry reasons for personal credit reports, then the credit report is "spent" and the bank may refuse to lend.