normal use of the loan and timely repayment will not affect the credit investigation. As long as there is no overdue or breach of contract, there is no credit stain, but the financial ability can be reflected by the credit report. For example, a consumer does not borrow more than one or two hundred yuan each time, which shows that there is not much running water. Although there is no overdue repayment on time, when he wants to do a large amount of business, he needs a loan of 1 million yuan, and the bank may think that his financial ability is not enough to support the loan of 1 million yuan. Personal credit is not directly related to financial ability, and financial ability is not judged only by the use of borrowing money. Different indicators to judge financial ability will lead to different conclusions, but this will not affect the users who normally use the loan.
the harm of using the loan
1. Failure to repay the loan on time will affect the loan amount
It is believed that many people know that the loan cannot be repaid overdue. Alipay's borrowing is different from that of the flower garden. The flower garden will not be repaid after several days overdue, but will receive a collection message or phone call, which will not be included in the personal credit report immediately. However, borrowing money is directly linked to our personal credit information, that is to say, your every move in borrowing money will be reflected in your personal credit information record. Therefore, overdue repayment by borrowing money will be reported to the People's Bank of China on the same day as a credit card and registered on your personal credit information. But everyone has paid attention to one word: on time. The reason why people pay attention to the word "on time" is because everyone knows that it can't be overdue, but many people don't know that it is not good for them to repay in advance. In the view of the credit review department of Ant Financial, prepayment is also an act of "not repaying at the agreed time". Because the interest of borrowing money is calculated according to the actual borrowing days, when you borrow money, you will generally be asked to choose the repayment time. Although the agreement says that you can repay money at any time within the agreed time, Alipay will not receive the expected interest if you repay money in advance frequently. For Alipay, there is no money to make if such a thing happens frequently for a long time, and naturally it will not give you an increase in the quota. Therefore, many people have used the loan for a long time without raising the amount, which may be the reason.
second, the usage habits of AliPay will affect the borrowing function.
If you don't keep good usage habits, your borrowing function will also be affected. Although Alipay has many functions, don't forget that the essence of Alipay is a financial APP, its main purpose is to make profits, and those convenience functions are all set up to increase user stickiness. If you seldom use Alipay to pay and basically don't buy things on Taobao, then the functions of flower buds and borrowing buds are almost out of your reach. In other words, if you don't use Alipay frequently, even if Alipay opened a loan for you in the promotion stage, it will be closed at any time.
Third, frequent borrowing will affect personal credit
What many people don't know is that frequent borrowing and repayment will also affect the handling and use of our mortgage, car loan and even bank credit card. Because in the process of handling the agreement, it has been clearly told that if you apply for a loan, the credit review department of Ant Financial will check your personal credit information and reflect the loan record and repayment process on it. If you borrow frequently, the bank will think that you are using online loans to repay your mortgage and car loan, which is a very serious act of dishonesty, and the bank will immediately stop accepting your mortgage and car loan business; If you have already done it, the bank may withdraw the loan and then let you return all the loans at one time, which may be unbearable for many people.