According to the official statement of Bai Hua, the obtained credit information will be properly kept and will not affect the credit information record.
But is this really the case?
First of all, on the other hand, if it is overdue, it will definitely affect the credit record.
In fact, all loan records in the central bank's credit information system, no matter what nature, will affect personal credit information more or less as long as they are overdue.
If it is overdue for more than 3 months, the impact will be great, and you may not be able to apply for a mortgage in the future.
Secondly, on the positive side, if the repayment has been normal and never overdue, will it have no impact at all?
Not exactly.
Flower buds are consumer loans and are often unpopular in banks.
This kind of thing has happened before. When the amount of bank mortgage is tight, if the customer has a consumer loan, no matter whether it is settled or not, he can no longer apply for a mortgage.
Nowadays, online lending products are mainly divided into two categories: microfinance and consumer loans.
Such as Ant Borrowing, WeChat Micro-loan, JD.COM Gold Bar, 360 IOUs, etc., are all small loans, and these loans have already been fully connected to credit information.
Every time you use this service, you will write a note on your credit information. Frequent use of this service shows that you are often "short of money" and your credit information will be "spent", which will have an impact on future large loans, such as mortgage and car loans.
A looser bank will ask you to pay off these loans first, while a tighter bank may not give you loans directly if it does one more thing.
For example, Ant Flower Blossom, JD.COM White Stripe, Meituan Monthly Payment, Ctrip Where to Spend, etc. are all consumer loans, and the situation is better than small loans. However, if such services are frequently used, it may also have a certain impact on future mortgage applications.
As for the impact, there is no clear standard, depending on the specific bank.
If the bank regards this kind of consumer loan as the same information as a credit card, there is no problem.
Credit card consumption has been reported, but as long as it is not overdue, it has no effect on subsequent loans.
However, if some banks have strict risk control cards, that is, consumer loans outside the banking system, they should also be regarded as small loans, and the impact will be even greater. Even if the repayment is normal, it may affect the user's subsequent application for mortgage or other large loans from the bank.
Based on this uncertainty, Li Ge's advice to everyone is:
If there is no shortage of money on hand, or the amount of flower beds is not high, you can consider turning off the flower beds first and using the balance of related credit cards, Yu 'ebao and savings cards.
If you choose to continue to use it, you can, but remember not to exceed the time limit, try to use staging as little as possible, and try to reduce the impact of flower buds on credit information.