the overdue credit card will also affect the users' cyber black index score, if the cyber black index score is too low. The sub-standard of cyber black index is -1 points. The higher the score, the better the credit. When the score is lower than 4 points, it belongs to the online loan blacklist. The low score of the Internet Black Index will not only affect the success rate of online lending, but also affect the amount of users' flower beds and borrowing, and even lead to the closure of flower beds and borrowing.
The impact of the online loan blacklist on individuals is that they are applying for new loans, and it is difficult to approve them again. Although online lending is very convenient now, we must spend rationally, pay attention to repayment on time, and maintain our credit record. Long-term application for online loans must pay attention to your own online loan big data to prevent it from becoming a blacklist of online loans because of blind application.
just search: quick card test. Find this WeChat applet, click Query, and enter information to find your own 1-line credit data, which comes from online lending platforms and UnionPay all over the country. Users can query their own big data and credit status, and obtain various index data to find their own personal credit status, blacklist, online lending application record, application platform type, online lending credit line estimation and other important data information.
compared with the central bank's personal credit report, online lending big data has a wider scope and more diverse institutions, which are part of personal credit records and a useful supplement to the traditional personal credit report.