长期使用花呗借呗会影响征信吗，那京东白条呢？
对于现在的很多年轻人来说，支付宝越来越多年轻人在使用，而且现在花呗借呗之类的似乎颇受年轻人们的欢迎，但是你们知道如果频繁的使用花呗借呗这些贷款服务的话会有什么影响吗？
据小编研究得知，有人说用网上的这些贷款服务可能会有损到征信，但是像京东白条借呗花呗之类的基本上都不会影响到征信，因为京东白条属于信用产品，就等于说你不违约就没什么事情，但是你要是违约的话京东客户端就会提供相关信息到政府部门催你还款，所以说我们借了钱的话一定要记得还钱，千万记得不要逾期，虽然京东白条不影响征信，却很容易因为逾期问题借钱困难。
蚂蚁花呗借呗之类的主要提供网上借款服务，蚂蚁花呗借呗在借用之前是会有人通过支付宝查你的芝麻信用分，信用分达到一定的额度就会有高多一点的额度，如果逾期不还款的话，支付宝就会根据你的信息上报到征信部门，这个就有影响了，所以我们在使用花呗借呗的时候一定要记得还款呀！
蚂蚁花呗是现在比较多人用的，特别是现在的年轻人，而且蚂蚁花呗不会上报到征信，但是不管逾不逾期也好，大家还是借了多少钱就还多少钱，千万不要逾期，养成良好的还款习惯，毕竟好借好还，再借不难嘛！
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