The reason why CCB's fast loan inquiry line inquires about credit information is mainly to evaluate the applicant's credit status and repayment ability. Credit report records personal credit records, including credit transaction records such as loans and credit cards, and bad information such as overdue and default.

By inquiring about the credit report, CCB can fully understand the applicant's credit status, evaluate his willingness and ability to repay, and then decide whether to issue loans and the size of the loan amount.