No

Not drawing down the bank's credit limit will not only have no impact on you, but also benefit you. The advantage is that the bank recognizes your qualifications, which does not mean that you do not If you are short of money, it will be easier to get a loan if you need the money in the future.

The credit limit granted by the bank will not become a liability of the user, so the user's future loan application will not be affected in any way. Only if the user successfully applies for a loan and a new debt is added to the credit report, then applying for a loan at this time will be affected by the previous personal debt. For users, it is impossible to apply for a loan if the debt ratio is too high.

Before applying for a loan, you must ensure that your personal debt ratio is within a reasonable range, otherwise you will basically not be able to pass the loan review after submitting your loan application.

People who have this problem are simply worried that if they are granted credit, they have borrowed money and have to repay it. In fact, this is not the case. After all, there is a big difference between credit and loans.

When a lending institution grants credit, it means that it has approved a total business limit for the borrower, but it does not equal a loan. After all, credit includes a variety of businesses, such as acceptance, factoring, letters of credit, discounts, etc. Loans are just one of them, and the relationship can be understood as credit > loans.

A loan means borrowing money. The borrowed money is transferred from the credit limit. If the loan is successful, the credit limit will be reduced. The important thing is that if the loan is successful, you must repay it on time.

It is easy to understand in this way. Credit ≠ loan. If you only grant credit but not loan, there will be no need for repayment, so there will be no impact.

Not necessarily. When lending, the institution will conduct a comprehensive assessment of the lender's credit conditions. This assessment condition is different from the credit granting condition. It takes into account many more factors than credit granting, so it will be more stringent, so don't I thought I could make a payment if I had credit.

In real life, there are many people who have credit lines but are rejected for loans. If you want to get a successful loan, you must first maintain good credit. It is important to prove to the lending institution that you have the ability to repay the loan and can increase your income. It is also feasible to reduce the debt before taking the loan, or find someone to act as a guarantee.

In fact, it mainly depends on whether the borrowing platform will check the credit when granting credit. If so, it will have an impact.

Generally, if the loan platform grants credit, it will check the credit, and it needs to be authorized by the borrower. On the application limit page, there will be an agreement authorizing the credit check. If the user checks it, it indicates that he agrees to the credit check. The system will evaluate the amount. If you disagree, there is no way to proceed to the next step.

Once the user agrees to authorize credit checking, the borrowing platform will apply to the central bank's credit reporting system to check the borrower's credit report for the reason of "loan approval". As a result, the borrower's credit report will be The query record column will display the name of the credit checking platform, the query time, and the reason for the query.

If the credit report is checked for reasons such as loan approval, credit card approval, guarantee qualification review, etc., the inquiry records left behind are collectively called hard inquiry records, which are directly linked to the credit report. If there are too many such inquiry records in a short period of time, the borrower's credit report will become corrupted and the borrower will not have an easy time handling credit business.

Because the lending institution sees so many inquiry records and whether there are new loan records in the letter, it will think that the borrower is currently short of funds and has poor repayment ability; if there are not many records in the short term , then it won’t have much impact.

In short, just granting credit but not borrowing money may affect your credit score, so if you don’t need to borrow money, you should not just click on the credit score to check the loan limit, so as not to waste your credit score, etc. If you really want a loan or can't apply for a credit card, you have to spend time building up your credit score.