It is a consumer credit product that can provide a small amount of borrowing services to its users. For borrowing users, there might be a question: would it be less if it was not used? This article will analyse this issue from several angles。

Does borrowing reduce the amount

First of all, we need to make it clear that the amount borrowed is assessed in a comprehensive manner on the basis of such factors as the user's personal letter and payment of the treasure account, and that it is not reduced on its own initiative for a long time. Even if you do not use borrowing for some time, it will not have a substantial impact on your level. However, if you have a record of non-performing loans such as overdue or insufficient repayments, this would result in a decrease in the level。

Second, there would also be a risk if users were borrowed from the functionality for long periods of time. Since payment treasures carry out risk assessments for users who do not use borrowed services for long periods of time, the loan function in the account may be frozen or closed if the assessment concludes that the user is no longer required to use borrowed services. So, if you need to borrow it, it's better not to stay out of it for long。

In addition to this, if your loan amount has not been used, then the payment will be considered unnecessary for the time being and the amount will be adjusted and reduced. In such cases, if you do not intend to use the borrowed function, it is recommended that it be closed in time to avoid unnecessary impact on the amount。

Finally, whether you use borrowing or not, the importance of maintaining a good personal credit record cannot be overlooked. If you keep a good credit record on all fronts, your borrowing will not only not decrease, but will probably increase. On the contrary, if you have a bad credit record, such as overdue or insufficient repayment, not only will borrowing fall, but may even affect your success in applying for other credit products。

In aggregate, borrowing without use would not directly reduce the amount, but long periods of non-use or the existence of poor credit records would have an impact on the amount. Therefore, it is recommended that users use borrowing correctly and pay back in a timely manner to avoid unnecessary reduction and impairment of credit records。