Flowers, as a consumer credit product launched as a payment treasure, can be used in an easy-to-operate manner that raises questions: Does it have an impact on my future bank loans? You'll find it's your use that counts。

Does a flower affect a bank loan

If your flower accounts remain on time and have no overdue records, then don't worry, it will not have a negative impact on your application for a bank loan. However, if you've spent time with the accounts, it might affect your credit records. As the saying goes, one time is overdue, and the impression is a hundred years. Once you have a past due on a personal credit report, the bank will find out when you apply for a bank loan in the future, and may decide to reject your loan。

Therefore, in order to avoid such a situation, be it a flower or any other loan product, we always need to maintain good repayment habits and avoid delays. This is the standard typical of major banks when they review loan applications。

Besides, you might want to know if you can delete your flowers. If you're just trying to delete the details of the flowers, then you can close them and re-open them. But you should be aware that the overdue records that come out of the flowers will become part of your personal credit, and there is no way to delete that part. You will have to pay off this part of the arrears in full and wait for five years before the record can be removed。