The credit card credit system is nationally networked and is called personal credit reporting.

Personal credit reporting refers to the activities in which personal credit reporting agencies established in accordance with the law collect and process personal credit information, and provide personal credit information inquiry and evaluation services according to user requirements.

A personal credit report is a personal credit history record that a credit reporting agency collects in accordance with the law, processes and organizes it in accordance with the law, and finally provides it to legal information inquirers in accordance with the law.