It has an impact, and the frequent robbing Peter to pay Paul has more serious consequences than loans overdue. When something big happens to you and you go to the bank for a loan, you will be dumbfounded-the bank refuses to lend. Frequent loans are robbing Peter to pay Paul, which shows one thing: you have no repayment ability

Bank lending depends not only on credit information, but also on individual repayment ability. If you don't believe me, you can take your elders to the bank for a loan. Make sure that the bank refuses to lend directly without consulting you. Because, although the old man's credit information is very good, the bank will definitely refuse to lend directly because he has no repayment ability.

Similarly, if you frequently rob Peter to pay Paul, the bank can also see this loan record when it reviews the credit information. The lending department of the bank will think that you are unable to repay, so it will frequently rob Peter to pay Paul. This is more serious than loans overdue. As long as the bank loan department is not blind, you will definitely be rejected when you apply for a loan at the bank in the future. Frequent robbing Peter to pay Paul may also have a consequence: the loan amount is greatly reduced < P > Like an epidemic, many people suddenly have overdue credit cards and loans overdue. Why is it overdue? Because the bank suddenly reduced the amount of credit cards and loans.

why do banks lower their quotas? Because of the epidemic, many people lost their income, and their credit cards and loans could not be repaid. Many people just go back and forth between several credit cards and several loan platforms, robbing Peter to pay Paul. The credit card department of the bank and the loan audit department will conclude that the customer has no repayment ability after discovering that he is robbing Peter to pay Paul.

in order to reduce the bad debt rate, as long as you return the credit card or loan, the bank will immediately reduce the amount to a minimum, or there is no loan amount directly. So many people find that the loan has just been repaid here, and suddenly there is no quota. Because the bank loan department examines you as a "dangerous" customer, it will stop the loss in time. Spending in advance is not a good habit

Now that non-cash payment is becoming more and more popular, many people have developed the habit of spending in advance. Obviously, the monthly salary is three or five thousand, but I always want to live a fake and exquisite life with a salary of ten thousand. If the wage income can't satisfy the desire of consumption, just swipe the credit card and go to various loan platforms for online lending. If the credit card and loan are not paid, they will be repaid in installments and rob Peter to pay Paul.

every time you rob Peter to pay Paul, you are digging a hole for yourself. If you operate it once, the pit will be deeper. When you wake up one day, you will find that this pit has become a bottomless pit, and you can't climb it if you want.

a loan to rob Peter to pay Paul is like playing with fire and thunder. Once the bank or loan platform reduces your quota one day, you can only watch yourself thunder. Spend a penny if you have a penny, spend as much as you earn, and never fall into the deep pit of loans.