This is big data analysis, you are engaged in "bonus hunter behavior", "meaning you are a" wool party "and Baidu. It seems that you often participate in any gift-giving activities or rebate activities. The bank thinks that you are a person who uses your career, so it affects your personal credit and refuses to lend money to buy a house or a car. I have a customer here who checks the credit information for the other party: he bumped into the wool party list and was refused a loan to buy a car.