If the user just downloads the loan app and registers the platform account and binds the mobile phone number, it has no effect on the user's personal credit information.
If the user applies for bank inquiry and loan on the loan app that does not need credit information, even if there is a problem of overdue repayment after the loan, it will not affect the personal credit information of the user.
If the user borrows from multiple loan apps at the same time, as long as the user repays on time and there is no overdue repayment, the user's credit information will not be affected.
The impact of personal credit value is as follows:
1. Bad personal credit information will affect users' credit processing and credit card processing.
2. Now many employers will check their personal credit information when recruiting, and once they see the credit stain, they will not be hired.
3. Personal credit information is also very important when buying a house with a loan. The evaluation of personal credit value will determine the loan amount of buyers, and good credit value is a necessary condition for applying for the maximum loan amount. The provident fund management center will also determine the loan amount according to the credit rating of the buyers.
4. People with low personal credit rating due to malicious overdue loans may affect their travel and accommodation due to low credit rating.
At present, personal credit reporting has affected all aspects of life, and bad personal credit reporting will affect all credit-related businesses. Therefore, users must protect their personal credit value.