Credit card installment consumption will be recorded in the credit report, which shows the amount of credit card repayment. If the cardholder repays the loan on time, these records will help to establish and improve his credit record. If the cardholder fails to repay the loan within the time limit, the bank will report the overdue record to the credit bureau, which will have a negative impact on the cardholder's credit record and reduce the personal credit rating and credit limit.