However, loan inquiry is a hard inquiry record, which should not be repeated many times like credit card inquiry and guarantee qualification examination, otherwise it will waste credit information and is not conducive to handling any credit business in the future. Therefore, it is suggested to control the number of applications for loans and credit cards, and not to guarantee others easily, so as not to affect your credit. If there are a lot of hard inquiries about credit information, it is better not to apply for a loan in the short term and keep the credit information for a period of time.