Generally speaking, it doesn't matter. Some banks will look at the number of inquiries in the past three months. It doesn't matter if you only have it twice. The most important thing is not to forget to repay the credit card after use. There are many overdue times, not to mention that banks and people can't get loans.

Second, how do online loans view credit reporting? See if it's still three months?

Online loans look at big data. It is generally not easy to do at present. Small lending institutions have been reading credit information for nearly three months and will also look at big data. If the information on your big data is not good, it is basically impossible to borrow money. Conditions required for an individual to borrow from a bank:

1. The applicant must be a natural person with full capacity for civil conduct;

2. Having urban permanent residence or valid residence status requires the borrower to have legal status;

3. Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

4. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records. Materials required for an individual to borrow from a bank: 1, the borrower's valid ID card and household registration book; 2, proof of marital status, unmarried need to provide proof of unmarried, divorce need to issue a civil mediation or divorce certificate (indicating that you have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. If mortgage loan is needed, proof of the rights of the mortgaged property must be provided, and the sum of the loan amount and the interest during the loan period cannot exceed 1/2 of the appraised value of the mortgaged property.

Third, do online loans check credit information? How come?

Online loans need to be checked for credit information

(1) First of all, when applying for a loan, the lender can look at the terms of the loan application and carefully check whether the online lending platform will review the applicant's credit information. As long as the online loan platform reviews the applicant's personal credit information, it means that the platform is in credit information. On the other hand, online lending does not check the applicant's credit information, which means that the online lending platform will not receive credit information.

(2) Secondly, we can look at the investors of the online lending platform. Under normal circumstances, it is decided by the lender that there is no credit information on the online lending platform. The more formal the investor and the more formal the licensed financial institution, the greater the probability that the applicant's overdue funds will be uploaded for credit investigation.

(3) It should be reminded that it is the most direct and effective way for lenders to directly inquire about the credit report. Because the number of times the applicant inquires about personal credit information will affect the pass rate of loan application, it is not recommended to inquire whether there is a credit information channel on the online lending platform in this way.