Online loans have not been overdue, but if I borrow often, will it have any impact in the future? Be

If there is no impact, as long as it does not constitute bad credit, there is no dispute over creditor's rights and debts, and it is repaid on time, it will have no impact.

It is best not to borrow online loans, the more online loans you borrow, the more you borrow in the future, when you take out a loan to buy a house and a car, the bank will see that you often borrow online loans, and your credit score will be relatively low.

It doesn't matter if you borrow a regular loan or not, whether it will be reported to the central bank's credit bank, if not, then it doesn't matter, but it's best not to borrow online loans The interest rate is too high, and it's not good to find friends and relatives around you to borrow interest to save it.

There are many online loans but they are not overdue, which has no impact from a legal point of view. As long as the borrower fulfills the due debts on time, there will be no record of dishonesty on the personal credit report, and there will be no violation of the law. However, if you borrow too much and then borrow from the bank, the bank may think that the lender has a problem with the repayment ability and will not lend.

Legal basis] Article 16 of the Regulations on the Administration of Credit Reporting.

Article 17. Information subjects may make inquiries into their own information from credit reporting establishments. Personal information subjects have the right to obtain their credit reports free of charge twice a year.

Summary. The impact on you that your online loan is not overdue should be positive. Not having a past due record will improve your personal credit rating, making it easier for you to get approved for future applications for financial products such as loans, credit cards, etc., and may receive better interest rates and better terms on loans.

In addition, timely repayment can also allow you to maintain a good credit history and improve your credit score, which can help increase your loan amount and the scope of loans available.

Dear, I'm glad to answer for you, what is the impact on me if the online loan is not overdue, dear, the overdue online loan will have a negative impact on your credit history, will affect the success rate of your future loan application, and will also affect your future credit rating. In addition, overdue online loans can have a negative impact on your financial situation, as you will have to pay more interest and penalties.

The impact of an online loan not overdue on you should be positive. Not having a past due record will improve your personal credit rating, making it easier for you to get approval for future loans and credit cards for financial products such as loans, and may be able to get better interest rates and more favorable terms. In addition, timely repayment can also allow you to maintain a good credit history and improve your credit score, which can help increase your loan amount and the scope of loans available.

Not overdue. The impact of an online loan not overdue on you should be positive. Not having a past due record will improve your personal credit rating, making it easier for you to get approval for future loans and credit cards for financial products such as loans, and may be able to get better interest rates and more favorable terms.

In addition, timely repayment can also allow you to maintain a good credit history and improve your credit score, which can help increase your loan amount and the scope of loans available.

Will there be a negative impact, will big data be uploaded?

Dear, it won't have an impact.

Legal analysis: Although the overdue loan will have a bad impact, it is generally unlikely that the bank card in the borrower's name will be frozen. Many online loans are not connected to the central bank's credit system, so the overdue situation is only recorded in big data, and has nothing to do with credit information.

If there is no overdue record of online loans on the credit report, it is naturally unlikely to affect the bank card in your name.

Of course, there are also some online loans that are connected to the central bank's credit system, and these online lending platforms that are connected to credit information and hold financial licenses may file a lawsuit with the court if the borrower's overdue arrears are serious. At that time, the bank card in the borrower's name may be frozen.

Legal basis

Civil Code of the People's Republic of China

Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity and pays interest.

Article 668: The loan contract shall be in written form, except where there is a separate agreement between natural persons on the loan.

The content of the loan contract generally includes the type of loan, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When entering into a loan contract, the borrower shall, as required by the lender, provide the true information about the business activities and financial status related to the loan.

Article 670 The interest on the loan shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan shall be returned according to the actual amount borrowed and the interest shall be calculated.

Article 671: Where a lender fails to provide a loan on the agreed date and amount, causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan on the agreed date and amount, it shall pay interest on the agreed date and amount.

The answer is clear, there is an impact, and it is a bad one! First of all, it depends on whether the online loan applied for is not on the credit report!

First: for online loans on credit reporting.

1. The credit information here refers to the credit information system of the People's Bank of China, that is, the official credit information. If a customer applies for an online loan on the bank's credit, then when the customer applies for a bank loan, it is easy to be rejected by the bank.

2. Because the interest rate of online loans is particularly high, the annualized interest rate can reach more than 20%, while the bank loan interest rate generally does not exceed 10%. When the bank reviews the customer's credit report and finds that there is an outstanding online loan, the bank will worry that the customer will apply for a bank loan to repay the online loan and use the low-interest funds to repay the high-interest online loan. Therefore, most banks stipulate that customers who apply for loans cannot have unpaid online loan records on their credit information, and if they do, they will definitely refuse to lend, even if the online loan has never had any overdue records.

Some banks even stipulate that online loans must be repaid for three months or more than half a year before they can apply for bank loans. Therefore, there is an online loan record on the credit report, even if it is not overdue, it will affect the bank's loan review.

3. What's more serious is that for online loans on the credit report, even if the application is not successful, the credit report will leave an online loan application record, and only the online loan application record will affect the bank loan. Many banks have regulations that if there is an online loan application record in the customer's credit report within the past month or three months, even if the online loan application is not successful, it will affect the bank's loan review.

4. To sum up, for people with good credit, they can borrow from banks as much as possible, and try not to apply for online loans.

Second: for online loans that do not go to credit reporting.

1. Although there are more and more online loans on credit reporting, the vast majority of online loans that are not on credit reporting, especially all kinds of cash loans, less formal online loans such as "high artillery" in the past, etc. Although online loans that do not go to credit will not affect personal credit for the time being, if there are too many online loans, it will affect big data credit reporting.

2. What is big data credit? If the credit information system of the People's Bank of China is the official credit information, then the big data credit information is the credit information system operated by private credit information companies or risk control companies. Because a large number of online loans are not available for credit investigation, some private big data companies have established a risk control system for online loans.

When a customer applies for an online loan, in addition to checking the customer's official credit information, the online loan company will also go through the big data credit investigation to see if the customer has borrowed money or has an application record from other online loan companies, which is used as the basis for risk control.