Does it affect my credit rating even if I open a negative account and don't use it at all?

credit-line credit-rating

I heard that opening a negative account affects your credit rating even if you don't use it at all. Can it affect your credit rating even if you lend 0 won?

Even if there is an impact, would it be insignificant if it was a 0 won loan?

1416 2019-06-27 Gentleman

A. 1

Even if you lend 0 won, it can affect you
I don't know how much influence it has

Gentleman 6 years ago 0

A. 2

I think they've lent the amount of money they've opened in Madon anyway
So the credit rating has to go down

Gentleman 6 years ago 0

A. 3

Oh, that's how you calculate it
Thank you.

Gentleman 6 years ago 0

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