No, I'm talking about scum! ! ! No professional knowledge, scum! At present, the apps in major application stores on the market are listed as: 360 loan, pat loan, white loan ... and so on, which is also commonly known as online loan! The process of online loan application is mobile phone number registration-real name authentication of ID card-Alipay Sesame Credit Sub-authentication-Taobao authentication-mobile phone address book authentication-mobile phone number operator authentication-bank card authentication-work authentication-home address authentication, etc ... Although the application is simple and fast! But what you don't know is that if you don't apply, just fill in your ID number for real-name authentication, and your personal credit will be queried 3-5 times unconsciously. This will lead to the confusion of big data in your credit report, directly or indirectly lead to the rejection of your credit card application, personal loan rejection, etc ... Personal credit big data will be used as an auxiliary reference for your credit card loan application. Directly or indirectly related to the final result of your personal credit card application and personal loan application. Usually check personal credit information no more than 3 times a month! Generally, it will not be reflected in your personal credit report within three times! If it is more than three times, the time of each inquiry will be reflected in your personal credit report! Now I suggest you go to the People's Bank of China or China CITIC Bank to check your personal credit! If you really have too many inquiries, I suggest not to apply for loans and credit cards for half a year! Don't go online! Maintain good credit use within half a year! There are suggestions for credit card or mortgage repayment. Repay on time, don't be overdue! Because in the past six months, you have been improving your personal credit! Check the personal credit report after half a year! If there is no bad record or overdue record within the above six months! Then you can apply for a credit card! Don't ask me why! Because I am in the financial loan industry! Intermediary! Intermediary!