The pass rate is high. If the personal credit report has no bad records such as overdue, there is no serious debt in the name, and there are not many inquiry records of various lending platforms in the credit report, then the pass rate of retrial with your pass card is high. If there are too many inquiry records, it will waste credit information. When there are too many records in the personal credit report, banks will apply for loans, so banks will think that we are short of money in the near future, so they frequently apply for credit cards or loans. Therefore, for such borrowers, banks will also lend cautiously.