Too many credit inquiries may lead to the rejection of loan or credit card applications. It is not easy for general institutions to inquire about credit records. According to the internal staff of the bank, it is best for institutions to inquire about credit information no more than five times a month. If the number of inquiries is too many, it can reflect that customers are under great pressure of potential liabilities and high potential risks, and are constantly applying for loans and credit cards.

There are many people who are not really in urgent need of money, just lazy to turn around for convenience, and frequently apply for loans, or some people take out loans for a mobile phone and a computer to satisfy their consumption desires. Although the loan threshold is low now, this reckless lending will always bring some trouble. On the one hand, I suggest reasonable consumption and moderate lending. In addition, before handling small loans, be sure to read the user agreement carefully, and don't click on the loan at the meeting for credit investigation. Maybe we can add query records by looking at quotas.