Like other bank loans, ants have to apply for credit information, but the amount won't be shared with the bank. Under normal circumstances, the bank can't find it, but if you apply for a credit card or bank loan through Alipay Sesame Credit, the bank will have the right to check it.

It usually doesn't have any impact. It still depends on the bank's standards. Each bank has different priorities. For example, if you borrow money from a loan and pay it back in time, there is no debt. Some banks will think that users are trustworthy and can handle it.