Why don't I open Tik Tok monthly payment! Your text message made my repayment overdue on the 7th, which affected my credit.

Whether the monthly payment of Tik Tok is opened or not is decided by a specific bank or credit card issuer after comprehensively evaluating the credit status of users, and the evaluation criteria of different banks or institutions may be different. If you haven't started your monthly payment in Tik Tok, it may be because your credit score or other related factors don't meet the opening requirements.

The short message you received reminds you that overdue repayment affects credit, which is caused by failure to repay on time or credit card. Overdue repayment will have a negative impact on personal credit records and may be included in the credit blacklist. Therefore, in order to maintain a good credit record and avoid becoming a blacklist of online loans, it is very important to repay on time.

In addition, in addition to avoiding overdue repayment, there are other matters that need attention, such as long-term borrowing. Long-term loan refers to the recent application in lending institutions. If users frequently apply for loans, banks or credit card institutions may think that users have greater loan risks. Therefore, it is recommended that you stop all lending-related operations within three months to reduce your risk index and avoid being blacklisted.

In short, it is very important to maintain a good credit record, avoid overdue repayment and long-term borrowing, which has a positive impact on personal credit score and capital security.