I received a lot of text messages asking me to apply for online loans. I applied for a lot of online loans, all of which have quotas, but I didn't get any. Does it affect my credit information? What i

I received a lot of text messages asking me to apply for online loans. I applied for a lot of online loans, all of which have quotas, but I didn't get any. Does it affect my credit information? What if it has an impact? If you just send a text message to apply for a loan, it will have no effect on your credit information. However, if you apply for each one together with SMS, it will be different. Credit information is counted whether you have applied or not, so whether you have applied or not, as long as you have applied for so long, it means that your credit information has been inquired once. If you make more credit calls, the bank will judge that you are very short of money and won't let you receive any money.

With the arrival and popularization of mobile payment, we can now travel daily with only one mobile phone. According to the data of China Online Media Development Report, by 2020, the number of netizens in China will reach 989 million; Moreover, according to the data of China Payment and Clearing Association, 74% of the nearly 654.38 billion netizens use mobile payment every day.

Due to the prevalence of early consumption and overdraft, many young people fall into the trap of "borrowing". According to the data surveyed by HSBC, the post-90s generation in China has a debt ratio as high as 1.850%, with an average debt of 1.8 times the monthly salary. Calculated by the number of post-90s generation with1.71.50 billion, the total debt has reached 22 trillion.

Among them, the garden is the most commonly used by the general public. However, many people don't know that a group of flower buds users have access to the central bank's credit information system. If they don't pay it back within the time limit, it will tarnish their personal credit report. Moreover, online lending products are not only flowers, but also hidden in corners that many people can't see, and there are many small online lending software.

As we all know, the loan interest of online loans has been very high. Suppose a person needs to borrow 5000 yuan for emergency, and after deducting various handling fees and withdrawal fees, only 4500 yuan may be transferred to the account. However, when he repaid the loan, he found that he had to pay 6,500 yuan or more with interest.

When a person uses more and more online lending platforms, it means that this person owes more and more debts. In order not to let his debt "storm", many people have to take the way of "raising loans with loans" to fill the hole in online loans, which leads to the inability to repay and overdue in the end. This method is very undesirable.

Because it is not just the flowers that receive credit information, many online lending platforms receive credit information at the meeting. If you don't pay it back within the time limit, you may face the collection of online loan companies, which will affect your life and work, and may also implicate your family.

However, some people found that their online loans were overdue for more than a year, not only were they not prosecuted by online lending companies, but they were not collected. Although it sounds incredible, after all, online lending companies will not "let go" any borrowers.