Check. According to the inquiry, China Law Network shows that. Hami bank loans need to be checked for credit information, and personal credit information is good. When applying for a loan, you can get a preferential loan policy. However, if an individual has one or two overdue annual fees, he can also get a loan after explaining the reasons to the bank. However, the personal credit information is seriously damaged and will be directly rejected by the bank, so the personal credit information report has a great influence on the loan.