First, the application and use of online loans will be recorded in the credit information system. In the credit information system, personal loan records are an important part. Frequent application for online loans, or bad records such as overdue and default on online lending platforms will have a negative impact on personal credit rating. This may affect individuals' chances of obtaining loans or other financial services in the future.
Secondly, the use of online loans may also have an impact on personal credit lines. Banks or other financial institutions will consider personal credit lines and loan records when approving loan applications. If individuals borrow a lot of money through online lending platforms, this may reduce the money that banks or other financial institutions are willing to lend to individuals.
To sum up, the use of online loans will have an impact on personal credit records. Therefore, when individuals use online lending platforms, they should pay attention to rational use and avoid bad records in order to maintain a good credit score and credit line. At the same time, individuals should also check their credit reports regularly to understand their credit status, so as to find and solve problems in time.