With the development of Internet finance, more and more people are beginning to use credit cards to meet short-term financing needs. However, when borrowing was frequently used, in particular, 13 affecting loans? This is a matter of the financial situation of many people, and we look at it from several angles。

First, the borrowing of 13 would affect credit ratings. In the credit scoring system, borrowing is a form of consumer credit, and each time borrowing is made, the amount borrowed is reduced, and when a certain amount is reached, it is no longer possible to borrow. Loans and repayments, on the other hand, are recorded in personal credit reports, and when borrowing is excessive, overdue or underpaid, credit ratings are down and credit ratings are down, which has a negative impact on individual loans。

Secondly, the impact of borrowing on loans also depends on the current credit position of borrowers. If borrowing records are themselves established in good credit conditions, they do not actually have a significant impact on credit levels. However, if the borrowing record is not based on a good credit position, it will have a significant negative impact on the loan。

Third, the borrowing of 13 loans would also affect the borrower's debt ratio. The liability ratio is the total amount of the borrower ' s liability compared to the individual ' s monthly income. Borrowing alone would increase the borrower ' s total debt, and if the total debt was too high, the individual debt ratio would rise sharply, which could affect the borrower ' s application for credit and could even result in the loan being rejected or granted only at high interest rates。

Finally, the borrowing of 13 or more loans could affect the daily consumption habits of individuals. People themselves should be able to control themselves, not to treat consumption as a debt for short-term benefit, nor to borrow to sustain a normal life. If consumption habits are not healthy,/the future financial situation will become more complex, as repayments are not just a short-term problem, but will affect the lives of each borrower in the long term。