As mobile payments become widespread and convenient, many choose to borrow this credit payment tool. Borrowing can meet people ' s small borrowing needs not only easily, but also improves credit ratings. However, while enjoying this facility, many users are concerned that the use of borrowing may have a negative impact on the letter. So, did you borrow 37 letters? This issue needs to be analysed from multiple perspectives。

First, borrowing, though a small-scale lending instrument, is not equivalent to credit cards or bank loans, and does not have a significant impact on credit. If the user is on time to repay the loan, it will help to raise the individual credit rating. However, if the user defaults, there will be delays in the recording, which will adversely affect the letter of call。

Second, the number of loans borrowed is not the only factor affecting letters of credit. Bank loans, credit cards, public services, etc. have an impact on letters of credit. Thus, the mere number of loans borrowed does not determine whether the letters of call were affected。

Thirdly, the letter services do not analyse and evaluate all borrowing and repayment records of people. In general, the letter-requirer will only summarize the overdue records to judge the credit rating of the individual. Thus, when borrowing is used, the credit rating will not be significantly affected as long as the user is able to pay back on time and does not produce late records。

Finally, even if there were late records, it would not affect all letters of call. Different letters of credit agencies have their own assessment criteria and algorithms, with varying degrees of weighting and processing of overdue records. As a result, the impact of the assessment of the different letter services will vary after 37 borrowings have produced overdue records。

The conclusion was that the 37 borrowings did not directly affect individual letters of call, but would have had some impact if they had resulted in late records。