As network finance continues to develop, credit lending has become an increasingly popular form of lending. Among them, credit suspense is a popular online credit platform. However, for those who already had a limit, could the loan continue to be borrowed? This paper will analyse the issue from several perspectives。

Is the credit-second loan available

First, it needs to be made clear that the amount of the credit is not constant. Based on the credit evaluation of each user and the record of repayments, the system regularly adjusts the user level. Therefore, even if you already have an amount, this does not mean you can borrow all the time. If your credit evaluation falls or your repayment record is poor, your amount may be reduced。

In addition, prior to borrowing, users would need to undertake a borrowing assessment. Even if you are currently available, your request for a loan may be rejected if you are found to be over-indebted or under-repayable in the loan assessment。

In addition, the size of the credit is influenced by factors such as age, income, correspondence records, etc. Users who are too old or underpaid may receive a smaller amount. At this point, although you already have a level of credit, you may need further personal credit and economic empowerment in order to obtain a higher level and successfully complete the loan。

It should be noted that even if you have borrowed previously, it may not be possible to borrow again if the repayment record is poor. On the letter-sec platform, late repayments may affect your personal credit assessment or even blacklisting, thereby affecting your credit records and the level of borrowing。

In the light of the above, the credit limit does not mean that you can borrow without restriction. Your level will be adjusted on the basis of a number of factors, and your personal credit position and ability to repay will also affect your borrowing results when the loan is evaluated. Therefore, good repayment records and personal credit appraisals need to be maintained at all times in the process of using the letter-second lending platform to gain a better borrowing experience。