This situation is mostly manifested in online lending platforms. If you apply for more online loans, you will see your credit score and whether you have long-term lending behavior in the big data query.
Long-term lending data is generally big data crawled on the Internet, including your credit status, lending behavior, etc.
If there are long-term loans, you can see the lending situation of those platforms in the corresponding credit report.
Because the repayment ability of a single user is limited, borrowing from multiple parties must contain high risks. Generally speaking, when the borrower has a long-term loan, it shows that the borrower has great difficulties in capital demand and has reason to doubt its repayment ability.
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What about personal long-term loans?
First, adjust the mentality and respond positively.
The face is still to face, debt can not continue to accumulate. In the face of multiple loans, we should adjust our mentality and face the current predicament bravely and positively. Attitude is very important when dealing with multiple personal loans, and honesty is its basic principle.
Second, according to the nature of the loan.
The principle is to deal with high interest first, then low interest, and finally interest-free personal loans.
Third, use interest-free to offset interest.
You can get rid of all the money with interest by borrowing money from your parents, relatives and friends. Things have come to this, so don't care too much about face.
Fourth, choose to go to a formal institution.
When you are in urgent need of money, you should also choose a formal institution, which can provide you with a professional loan scheme and a bank channel suitable for you, so that you will not fall into a vicious circle of repaying loans with loans.
Fifth, make money and pay off the accounts.
If you are in debt, you must pay back the money. For the rest of your real debt, you must find a job and make money and pay off the debt through legal channels. If you don't go to work, even if you don't owe money now, you will be in debt in the future.