The risk control of banks is stricter, and the issuance and management of credit cards are stricter. In addition to collecting credit reports from the central bank's credit information system, it may also access third-party network credit information, so many online loans without credit information will also be exposed under the eyes of banks.

If a bank finds that a customer has applied for multiple online loans when approving a credit card or managing a credit card after lending, even if these online loans are not overdue, it can refuse to approve the card or carry out risk control on the credit card that has been issued.

After all, in the eyes of banks, people who use online loans are basically in poor financial condition and are very short of money. In addition, the credit line of online loans is relatively large, mostly hundreds of thousands, and the repayment ability of people who can't even get this money is definitely not good. If you grant a credit card, there will definitely be a risk of default, and if you have applied for a credit card, you may be cashed out by illegal means.

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Matters needing attention in applying for online loan:

1. Pay attention to the security of authentication when lending. For example, some platforms require mobile phone numbers and passwords, and there are still certain risks. It is suggested to pay attention to the security of loan certification and not to rush to borrow money for a set of unsafe things.

2. Pay attention to check the creditworthiness of the other party when lending, such as whether there is credit swiping. If you borrow quickly, it may be purely for credit, but it may be intended to absorb more loans, which is risky for online loan borrowers.

3. Pay attention to the qualification of the platform. Some platforms or companies behind them don't even have the qualifications for Internet information services. Playing online loans on such platforms is not guaranteed.

4. Pay attention to overdue risks and treaties, charge the borrower a high penalty, but deliberately stay in the lender's income, solve the problem by borrowing problems, and make a time difference in return.

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