1. What is a credit card?
Generally speaking, what we mean by credit investigation is that in the personal credit investigation report, there are too many inquiries from institutions in a short period of time, resulting in a lot of credit information, such as loan approval, credit card approval, online loan approval, post-loan management, and guarantee qualification review. , leading to many credit inquiries.
Second, can you still borrow money for credit investigation?
Credit investigation needs loans, and there are two main solutions:
1. If you want to apply for a bank credit loan, it is still more expensive to collect credit. Generally speaking, it doesn't work. Don't think about bank loans. However, if you do have a relatively high income or a lot of assets, you can cover the repayment, but there will be a little more institutional loan inquiries in a short time. In this case, Credit Information Flower can handle the credit loan manually approved by the bank offline through communication with risk control. Of course, the premise is that you really have the repayment ability and won't make bad debts.
2. For mortgage loans, generally speaking, bank mortgage loans will despise or communicate with credit reporting agencies and the number of credit cards. If it is really overdue, you can also consider the mortgage products of non-bank institutions. Of course, if these two methods can't solve your problem, then I suggest you take care of it and don't apply again. Re-applying will only blindly increase the number of your inquiries and fall into an infinite loop.
Third, personal credit report.
Personal credit information is recorded in the personal credit report, which mainly includes personal basic information and credit information (whether there are bank loans and credit card overdue overdraft records, etc.). ) and non-bank information (water, electricity and other public utilities payment information, tax arrears, civil judgments, etc. ). This information will affect individuals' lending behavior in financial institutions. For example, when a bank handles a personal mortgage, it needs to read a credit report. If the credit status is good, they may get preferential treatment, while those with overdue records may have to raise prices or even get loans. It can be said that the personal credit report is an individual's economic identity card.