A credit investigation can be approved if it needs a bank loan. If the credit investigation is only spent and there are no serious overdue and bad records, you can choose small and medium-sized banks to apply for loans, or provide sufficient financial proof to reduce the loan amount and improve the loan success rate. Loans can still be approved, but the credit problems are more serious, such as too many overdue times, too high debts, too many inquiries and so on. The probability of bank loans being approved will be relatively small. Spending on credit information means that the credit information has been inquired too many times, or there are bad records in the credit information record. For example, banks or other financial institutions will think that the applicant's financial situation is very poor or that the applicant's credit risk is high, so as to refuse or limit the loan application.