According to Cai Xi's survey. Com, the approval of credit loan means that when you apply for a loan, the lending institution inquires about your personal credit report, thus leaving a query record in the report. This inquiry is recorded as a "hard inquiry" and will reflect your credit demand and credit activities. The approval of the credit loan does not necessarily mean that you have successfully obtained the loan, but may also be just consulting or testing the loan amount, or guaranteeing the loan for others. Credit loan approval has a certain impact on your credit score. If there are too many loan approval records in a short time, your credit score will be lowered, and the lending institution will think that you are "short of money", which will affect your future loan application. Therefore, it is suggested that you arrange the loan demand reasonably, avoid frequently applying for or inquiring about loans, keep good repayment records and safeguard personal credit.