No loans.

High number of credit inquiries will affect loans because financial institutions will think that users are short of money and there is a certain risk of overdue loans to users. For example, if a user has a large number of credit inquiry records for credit card approval and loan approval in a short period of time, if a bank comes to check the user's credit information, they will subconsciously feel that the user is short of money, and then judge that lending money to the user is very risky. .