inquiring about the loan amount will have an impact on personal credit information, and the degree of impact depends on the inquiry method. Inquiring about the loan amount requires authorization to check the credit report, and each inquiry will add a loan approval inquiry record in the credit report. Frequently inquiring about the credit line will lead to a large number of loan approval inquiry records in personal credit report, which is considered as a sign of excessive borrowing, thus having a negative impact on personal credit report and reducing credit score.