Credit Sleep User Inquiry means that when a user applies for a credit card or loan, the lending institution will inquire about the user's credit report. The existence of sleeping users in the credit report (that is, the failure to repay the loan on time or the record of default) will have a negative impact on the user's credit rating, leading to the rejection of the application. The purpose of credit sleep users' inquiry is to evaluate the borrower's repayment ability and credit risk, and to protect the interests of lending institutions and the rights and interests of other users.