With white stripes, timely repayment in each period will not affect the loan. And there is a record of overdue repayment, which will have an adverse impact on credit, mortgage and auto loans. Flowers and white stripes are microfinance. If the borrower fails to repay the loan on time, the bank will think that the borrower's repayment ability is insufficient. On the other hand, it will be suspected that a large number of continuous overdue records are overdue, which is very unfavorable for applying for loans.

first of all, although there is no access to the central bank's credit information, there are still third-party credit institutions. Some online lending platforms cooperate with banks and other financial institutions, and overdue records and even all usage records will be sent to the central bank for credit investigation. However, some online lending platforms can cooperate with independent third-party credit reporting agencies, and borrowers' overdue or usage records will be recorded by third-party agencies, and may be rejected when applying for subsequent loans.

Third-party credit reporting agencies, such as Sesame Credit, Tencent Credit and Qianhai Credit Reporting. Secondly, there are 33,354 letters of credit from Internet financial institutions. In November last year, China Internet Finance Association led eight credit reporting agencies and established a personal credit reporting agency (referred to as Xinlian, later renamed "Hundred Banks Credit Information"). At the beginning of this year, the central bank has accepted the application for personal credit information business of 1 banks.

The eight credit reporting agencies are Sesame Credit, Tencent Credit, Qianhai Credit, Peng Yuanzheng Credit, Zhongcheng Credit, Koala Credit, Zhongzhicheng Credit and Beijing Huadao Credit. In other words, if you borrow money from the online loan platform connected with "1-bank credit inquiry" and it is overdue, it will be recorded, and other internet financial institutions can also find your credit information. Finally, no matter which channel has a bad credit record, it is only a matter of time to access the central bank's credit information. In the credit union, it will be the general trend to enjoy the credit data.

Finally, I still remind those friends who want to borrow money to buy a house or a car. If you need extra expenses, please consider the credit card first, and then consider the online loan. Loan to buy a house, one or two months before buying a car, try to pay off the arrears, and still learn to manage money in life.