First, stop applying immediately! Don't apply for online credit anymore!

Credit is a clear chain of contempt, big banks despise small banks, small banks despise small loans, small loans despise the guarantee pawn, online loans P2P belongs to the end of the chain of contempt. Online loans have been rejected that means the big data has been very bad. Be sure to stop the lending behavior immediately and raise a period of time.

As to whether it has had an impact on the credit, but also specifically look at the credit report and personal qualifications. Now there are still a lot of online lending is not on the credit. So there is no serious delinquency, most of the time the credit score is not reflected.

But the so-called credit can not only take into account the personal credit report of the Bank of China, should be more broadly understood as a personal credit report + personal qualifications + personal big data and the three together.

Under normal circumstances, it is best for users to apply for loans no more than 3 times a week and no more than 10 times a month. When the user recently applied for online loans frequently rejected, it is best to temporarily stop continuing to apply for loans, in the online loan big data user application times and query records too much, it will affect the user's online loan credit situation, and will even be pulled into the online loan blacklist.

Secondly, the user needs to understand the personal online credit situation, inquire about the reasons for the refusal of the loan, there are many online platforms that can inquire about the personal online credit.

Normally, for the application of online loans, we must remain extra cautious, when the user in a platform to apply for a loan was rejected, the applicant should be aware of, and within 3-6 months no longer with the same qualifications to continue to apply for other loans of the same series of platforms, and do not click on the cell phone loan invitation links to reduce the online credit credit big data on the "The first thing you need to do is to get your hands on a new one, and you'll be able to do that.