The normal use and timely repayment of loans will not affect the credit investigation. As long as there is no overdue, no breach of contract and no credit stain, the economic ability can be reflected through the credit report. For example, if a consumer borrows no more than one or two hundred yuan each time, it means that there is not much running water. Although he didn't repay the loan on time, when he wanted to do a large business, he needed a loan of 6,543,800 yuan. The bank may think that his financial ability is not enough to support the loan of 6,543,800 yuan. There is no direct relationship between personal credit and financial ability, and financial ability is not judged only by the purpose of borrowing money. Different indicators to judge financial ability will lead to different conclusions, but this does not affect users who normally use loans.

The harm of using borrowed money

1. Failure to repay on time will affect the loan amount.

It is common sense that loans overdue cannot repay the loan, which I believe many people know. Alipay's loan is different from Huabai's. Hua Bai will not repay the loan for a few days after the deadline, but will receive a reminder 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 of borrowing money will be reflected in your personal credit information record. Therefore, the overdue repayment of borrowing money will be reported to the People's Bank of China on the same day of the credit card and registered in your personal credit report. But everyone noticed one word: punctuality. 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 prepayment is not good for themselves. In the view of Ant Financial Credit Review Department, prepayment is also an act of "not repaying at the agreed time". Because the interest on borrowing money is calculated according to the actual borrowing days, you are generally required to choose the repayment time when borrowing money. Although the agreement says that it can be repaid at any time within the agreed time, Alipay will not receive the expected interest if it repays 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 increase your quota. Therefore, many people have spent a long time on loans without raising the quota, which may be the reason.

Second, the usage habits of Alipay will affect the borrowing function.

Everyone's habit of using Alipay, if they don't keep good habits, will also affect everyone's borrowing function. Although Alipay has many functions, don't forget that the essence of Alipay is a financial APP, and its main purpose is to make profits. Those convenience functions are set to increase user stickiness. If you rarely pay with Alipay and basically don't buy things on Taobao, then the functions of flower buds and borrowing buds are almost beyond your reach. In other words, if you don't use Alipay often, even if Alipay opens a loan for you in the promotion stage, it will be closed at any time.

Third, frequent use of loans will affect personal credit information.

What many people don't know is that frequent loan 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 information 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 take back the loan and then let you repay all the loans at one time, which may be unbearable for many people.