Frequent use of online loans to tear down the east wall and make up the west wall, but it is not ove

There is an impact, and the frequent demolition of the east wall to make up the west wall will have more serious consequences than the overdue loan. When you encounter something big, you go to the bank for a loan.

When you are dumbfounded, the bank refuses to lend.

Bank lending is not only based on credit information, but also on the individual's ability to repay the loan. If you don't believe me, you can take the elders of the family and go to the bank for a loan. Guarantee that the bank will refuse to lend money outright and will not consult you at all.

Because, although the old man's credit is very good, the bank will refuse to lend him directly after reviewing that he has no ability to repay.

Similarly, if you frequently tear down the east wall to make up the west wall, the bank can also see this loan record when reviewing the credit information. The lending department of the bank will think that you have no ability to repay, so it will frequently tear down the east wall and make up the west wall. This is worse than overdue loans.

As long as the loan department of the bank is not blind, you will definitely be rejected when you go to the bank to apply for a loan in the future.

Like during the epidemic, many people suddenly had overdue credit cards and overdue loans. Why is it overdue? Because the bank has suddenly lowered the amount of credit cards and loans.

Why do banks reduce the limit? Because of the epidemic, many people had no income, and they could not repay their credit cards and loans. Many people are just going back and forth between several credit cards and several loan platforms, tearing down the east wall and making up the west wall.

The credit card part of the bank, and the loan review department, will conclude that the customer is not able to repay after they find that the customer has demolished the east wall and made up the west wall.

In order to reduce the bad debt rate, as long as you repay the credit card or loan, the bank will instantly reduce the amount to the minimum, or there is no loan limit at all. Therefore, many people find that they have just repaid the loan here, and suddenly there is no limit. Because the bank's lending department reviews you as a "dangerous" customer, it will stop losses in time.

Nowadays, cashless payments are becoming more and more popular, and many people have developed the habit of spending in advance. Obviously has a monthly salary of 35,000, but he always wants to live a fake and exquisite life with a salary of 10,000 yuan. If your salary income can't satisfy your desire to consume, you go to your credit card and go to various loan platforms for online loans.

If you can't repay your credit card and loan, you will repay it in installments, tear down the east wall and make up the west wall.

Every time you tear down the east wall and make up the west wall, it is equivalent to digging a pit for yourself. You do it once, and the pit is a little deeper. When you wake up one day, you will find that this pit has become a bottomless abyss, and you can't climb it up if you want to.

Taking out loans to tear down the east wall and make up for the west wall is tantamount to playing with fire and thunder. Once the bank or loan platform lowers your limit, you can only watch yourselfThunderstormSpend every penny you have, spend as much as you earn, and don't fall into the pit of loans.

There is definitely an impact. Because as long as you use online loans, it will lead to difficulties in buying a house and a car loan in the later stage.

Although it will not be on the list of dishonesty, it will also affect the application for a mortgage in the future.

In this case, it will definitely have a great impact on credit reporting, and you Cai Dongqiang will make up for the west wall, and if this goes on for a long time, your credit will definitely suffer a great loss.

This situation will have a certain impact on credit reporting, but the impact is not particularly large, if it is not within the specified range, then it will be affected.

This situation has a great impact on credit reporting, and the consequences are more serious than loan overdue, even if you are not overdue, but there is some data in the background.

1.Many people naively think that as long as their loans are not overdue, they will not have an impact on credit reporting.

2.Frequent demolition of the east wall to make up for the west wall may also cause a consequence: the loan amount is greatly reduced, like during the epidemic, many people suddenly have overdue credit cards and overdue loans.