Generally speaking, in a period of time, personal credit reports have been inquired by different institutions for reasons such as loan and credit card approval, but the credit reports show that users have not successfully approved new loans or successfully applied for credit cards during this period. Then, the bank has reason to speculate that the user's financial situation is not good, the repayment ability is worrying, and the user's request is rejected.

Official website, the credit center of the central bank, also showed that if the credit report was inquired by different banks for a period of time due to loans, credit card approval and other reasons, the records in the credit report showed that no new loans or credit cards were obtained during this period;

It may indicate that the information subject has applied for loans or credit cards from several banks but failed, and this information may adversely affect subsequent related applications.

Extended information Generally speaking, banks review personal credit reports as one of the basis for whether to lend.

In personal credit report, inquiry records include inquiry date, inquiry operator and inquiry reason, which is also an important reference item for banks. If there are too many inquiry records, it will really affect the credit evaluation and lending of financial institutions to customers.

However, it should be noted that the inquiry reasons of personal credit report are divided into personal inquiry, credit card approval, guarantee qualification examination, post-loan management, loan approval, objection inquiry and so on. Among them, credit card approval, guarantee qualification examination and loan approval can belong to negative categories according to risk factors. Too many records of this kind of inquiry will have a bad influence. My inquiry is not included.

For example, if the credit report has been inquired by different banks many times for reasons such as loan and credit card approval, but the inquiry records show that the user has not obtained a new loan or successfully applied for a credit card during this period, which indicates that the person's financial situation is not good, and the bank should consider whether to approve the loan.

Of course, the inquiry record is not a hard indicator, but a reference factor, and the specific situation varies according to the standards of various institutions.

People's Network-Too many inquiries about personal credit reports affect loans? Industry: 1 month, no more than 5 times.

People's Daily Online-The more times a personal credit report is queried, the harder it is to get a loan?