Why hasn't the online business loan been opened for a year? Is the credit information affected?

There are many reasons for the collapse of online merchant loans, mainly in the following aspects:

1. If the store violates the rules and disciplines, and disputes occur, such as being deducted 12 points, the system will automatically close your online merchant loan after detection, and then re-evaluate whether to open it after recovery.

2. Your Taobao and Tmall stores are closed, or the turnover is too small, and all Taobao stores are removed from the shelves, which may lead to the temporary freezing of online merchant loans.

3. If your refund rate is high, the system will also stop the online merchant loan after it is detected.

If the online merchant loan stops, you should immediately search through WeChat to see if the personal credit information is good. If personal credit information is not affected, it should be restored soon.

So how long can online business loans be resumed after they are generally stopped? This should be handled separately:

1. If it is a violation of discipline, it will be suspended for at least one year.

2. If it is because of the store qualification or business problems, it can be restored within a period of time and needs continuous attention.

In short, the online merchant loan has stopped, so we should pay attention to it immediately to see whether the personal credit information is good, and always pay attention to the online merchant loan dynamics, repay in time and maintain good credit. I hope I can help you, thank you!