as long as you are on Taobao, there is nothing bad, especially if you use flowers or borrow them, and if you borrow them and return them, there is nothing wrong.

but it will have an impact if the flowers are overdue.

Now Huabai has joined the credit investigation. If Huabai is overdue, it will affect the bank loan.

under normal circumstances, I just registered my account on Taobao, and I usually buy something, even if it is a refund, there is still a little dispute, or the flower bud is not opened, and the flower bud is not overdue. Will not affect bank loans.