What is the impact of opening micro-loans without borrowing money?

If the micro-loan is opened, it will not affect users' subsequent handling of other credit businesses.

Second, the specific analysis

Users meet the conditions for opening small loans, and the system will automatically increase the entrance for applying for small loans.

As for users who haven't clicked on the loan option, this only shows that users have no need to borrow money, and it will not affect subsequent loans.

After users apply for micro-loans, they will repay on time in each installment, which will not affect subsequent loans.

Micro-loan is a daily interest-bearing loan product. After opening, there will be no cost, and users do not need to actively close micro-loans.

Just search: Xiao Qi New Tea. Click "Query" and enter information to query your own 100-bank credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can query their big data and credit status, obtain various indicators, and query their personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.

Third, what is the impact of not borrowing money to open a small loan?

It doesn't matter if you don't borrow money after opening micro-loans, it won't cause too much adverse effects, and micro-loans won't charge, so if there is no loan demand for the time being, put micro-loans aside first and apply for loans when there is a loan demand.

Of course, you should pay attention to maintaining good personal credit.

It should also be noted that although the opening of microfinance will not lead to any adverse consequences, if it is not used all the time, it may make the system think that there is no demand for the use of the quota, which is not conducive to the increase of the quota.

Therefore, it is suggested that if there is no demand for loans, small loans may not be opened.

After opening, we should also pay attention to ensuring the security of account information to prevent the disclosure of personal information from causing security risks.

If you use micro-credit loans in the future, you must remember to repay on time within the specified repayment period, and try to avoid overdue situations, so as to avoid personal credit damage due to overdue.