There are too many credit inquiries. Just be careful not to apply for credit cards and loans in the next few months. Because the new records in the credit investigation will gradually overwrite the old records, as long as the customer has not handled the credit business for a period of time, the credit investigation will show a new state after these months (preferably 6 months), and there will not be so many inquiry records in the name of "loan approval" and "credit card approval" at that time. And the situation of "expenditure" caused by too many "hard" query records can be improved.

Of course, everyone should be careful not to borrow frequently. Otherwise, credit cards and loans will be processed after the multi-head loans are recorded in the credit report. Banks (lending institutions and platforms) are likely to worry about their insufficient repayment ability and unstable economic life because of the high personal debt ratio reflected in the customer's credit report, and they are likely to refuse to approve cards and loans.

If there are too many records in the personal credit report, it is recommended that customers temporarily keep it for at least three months and do not apply for new credit products. After three months, the situation of "spending money" in credit reporting should be improved.

We also need to note that if the debt becomes higher due to frequent borrowing, customers can try to pay it off within three months, without applying for new credit products, or repay as much as possible to reduce the personal debt ratio. In this way, the credit business should be smoother in the future.