My personal opinion to answer your four questions:

1. Being deactivated is because you did not repay the loan on time.

2. You repaid the loan in installments, You must repay the installment. The book shows that you should repay 3,500 yuan, and the minimum repayment is 3,300 yuan. Then your minimum repayment amount is 3,300 yuan, not 10% plus interest, but 10% plus interest is for those who do not have installment payments.

3. After repaying the loan on time, if there is any impact in the future, you have already repaid the debt. As long as the bank proves that you have repaid the money, it will not be a big problem. A proof.

4. If you pay it back in full immediately, it will be activated. If you pay it according to the bill, it will be activated.