Borrowing money from online loans has an impact on credit card (debit card) applications. Loans overdue, an online merchant, refuses to return it, and the overdue records will be uploaded to personal credit information. Therefore, when applying for a credit card (debit card), banks will see the overdue records when inquiring about credit information, which will affect the approval of credit cards (debit cards). And online business loans are repaid on time, which is conducive to maintaining personal credit. Banks will think that borrowers have good repayment willingness and repayment ability, so that credit card (debit card) approval will be easier to pass, which will help to increase the actual credit card approval amount.

Does the increase in the number of online business loans matter?

Online merchants will receive a credit report every time they make a loan, and they will also add a query record of loan approval. If you borrow more loans, it will increase your personal debt and make the borrower's credit report more colorful, so it will definitely have an impact, especially for the credit loan business that is not conducive to handling credit report in the future, and even credit cards (debit cards) may not be approved.

It is suggested that you should not blindly apply for online business loans, borrow them when necessary, and keep a good repayment record, which is not overdue.

At the end of the year, it won't be long before the online merchant loans. Will credit cards have an impact?

It will have an impact!

First of all, online business loans are on credit. If they're not here, they'll definitely pay for it. The credit report shows that loans overdue, an online merchant, and the credit card center will definitely think that there is something wrong with your repayment ability and personal credit, and may reduce the limit and seal the card!

Online merchant loan is a loan product mainly promoted by online merchant bank, which is the first commercial bank in China whose core system is based on the cloud computing architecture initiated by Ant Financial. On the surface, online merchant loans have nothing to do with credit cards, so overdue loans will not affect credit cards. In fact, this is not the case for the following reasons:

1. As a loan product of online merchant bank, online merchant loan is connected with the central bank's credit information. If the credit is overdue, it will affect the handling of credit cards in the future.

Second, the credit cards processed before the deadline are not affected in theory, but all credit card issuing banks have special risk control systems that will detect users' card usage and credit information. Therefore, if the online merchant loans overdue is serious, it will probably lead to the credit card being downgraded or even banned.

So temporary difficulties are inevitable, but don't evade debts and don't respond passively. You can take debt as a stepping stone, respond positively, try to repay it, and cross over to meet you with a better life.

I don't know, why don't you give it a try ... anyway, the credit report will say that you are an online merchant in loans overdue.