This will not affect. The review, including your credit card, will be displayed as a loan approval record. If you have borrowed money from the bank, then you don't have to worry.

Second, how to prove that you have no loans in other banks, and there are other banks on your personal credit report? ...

Spread out completely

Why not go to the People's Bank to check your personal credit report? See which bank you borrowed this unknown loan from? Then find this bank to give you a loan certificate?

Third, there are several other loan records in the credit report, but what happened to the loan?

This kind of alarm is useless. Because you can't prove that others borrowed money in your name for the time being. First, check whether you have never dealt with these three banks, such as loans and credit cards. If it is determined that there is no real business, but the credit record still shows that there are outstanding loans. At this time, you can give priority to handling complaints with the bank. If the bank can't handle it well, you can complain to the Credit Information Center of the People's Bank of China about the bank involved.