Online loan application records cannot be deleted.

The records left by online loan applications will generally be permanently retained in the credit report (big data). They cannot be forcibly deleted manually, and the system will not automatically delete them. However, as long as such records are not excessive, they will not have any adverse effects on customers, so you can rest assured.

If the credit report (big data) becomes "spent" due to excessive loan records, the customer will temporarily refrain from applying for a new loan for at least three months (and can take advantage of this period to Repay the unpaid loan under your name), and after three months have passed, the situation of "spending" in your credit report (big data) should be improved.

Online loan application records cannot be deleted after they are uploaded to the credit reference center. If you are an investor, you must wait until the payment is fully received, and then cancel after you withdraw the money. If you are a borrower, you must first repay it. If you cannot cancel the account on your own, please contact the customer service of the platform to cancel the account.

As long as the user can repay on time after applying for an online loan, it will not have any impact. Failure to repay on time after applying for an online loan will have an impact on the individual. Overdue records will be uploaded to the credit reference center. This will At this time, personal credit report will become bad.

Users must exercise restraint when borrowing money through online loan platforms, and do not borrow too much to avoid being unable to repay on time. Because the interest rates on online loan platforms are relatively high.

The loan limit through online lending is generally not very high. Most people’s loan limit is between a few thousand yuan. However, when users borrow more from a single platform, the loan limit will be increased later.

If there are bad records on the credit report, the overdue bad record history cannot be eliminated. The only way is to pay off the loan. The bank can only check the credit report records for the past five years, and you have to wait for at least five years. It can be considered eliminated after a year.

After the borrower provides a pledge, mortgage, third-party guarantee recognized by China Construction Bank or has certain credit qualifications, the bank will determine the borrower's corresponding pledge limit, mortgage limit, guarantee limit or credit limit. The pledge amount shall not exceed 90% of the face value of the pledge rights certificate provided by the borrower; the mortgage amount shall not exceed 70% of the assessed value of the collateral; the credit limit and guarantee limit shall be determined according to the borrower's credit rating.