1. Personal inquiry: The purpose is to let individuals know whether their credit information is normal, whether they have bad credit records, and whether they cheat loans or cards. Inquiries can be made through the credit sub-centers of the People's Bank of China and official website. It is recommended to check before you apply for a card or loan. Everyone has a record of inquiry twice a year, and personal inquiry will not affect the credit record.

2. Credit card approval: When applying for a credit card, the bank will check the applicant's credit report. The query reason is "Credit Card Approval". Every application will be checked once, and the credit report will leave a record of credit card approval. This is a hard inquiry record, which is not conducive to credit card and loan approval.

3. Loan approval: Financial institutions/banks accessing the central bank's credit report will also authorize the inquiry of the lender's credit report when approving the loan, and each inquiry will leave a record of "loan approval" on the credit report, which is also a hard inquiry record. Too many inquiries will also be detrimental to the approval of credit cards and loans.

4. Post-loan management: After the credit card and loan are approved, in order to recover the loan smoothly, banks or financial institutions will conduct post-loan management from time to time to understand the credit status of customers and judge their repayment ability through loan repayment records. Such inquiry records are neutral information and will not affect credit card and loan approval.

5. Guarantee qualification examination: Many people want to be loans/guarantors for others, and banks will also check their credit reports to see if they are qualified to be guarantors. The reason for the inquiry is "guarantee qualification examination", which is also a negative record and has a certain impact on personal credit.