When you say bad records, do you mean overdue for more than 90 days? In this case, your bad credit record will be recorded by the bank and reported to the credit information system of China People's Bank. If you only forget to pay the loan occasionally, it won't affect your credit if you pay it back in a few days. Bad credit refers to long-term malicious arrears and refusal to repay.

Individuals who want to check credit records can bring their ID cards to the local people's bank.