1. Every time you successfully apply for a credit loan, a loan record will be uploaded to the credit report. If you apply for a credit loan multiple times, a large number of loan records will be left in the credit report.

2. Credit loan records will not directly affect the user's personal credit report, but when there are too many small loan records, this will reduce the user's comprehensive credit score, because frequent borrowing will make financial institutions The user's financial situation is considered to be poor.