Hello, generally as long as you repay the loan on time and in full, you are a high-quality customer for the bank.

At present, the national unified personal credit information basic database established by the People's Bank of China and organized by commercial banks has been officially launched. Your relevant credit information has been recorded in the database and has become part of your credit record. Please bring your valid identity document to the credit reporting department of the local branch of the People's Bank of China to check your personal credit report (inquiries cannot be made on behalf of you or over the phone). For more information on credit reporting, please log on to the People’s Bank of China website www.pbc.gov.cn.

The People's Bank of China stipulates that all card-issuing banks must regularly upload customers' consumption and repayment records and cannot tamper with them. Our bank will not make any negative comments on your usage records. We will only give you honest feedback on your historical usage records without any subjective judgment. If you subsequently apply for a loan, the lending bank will comprehensively refer to your credit record, not just for a certain period of time. If you can maintain a good consumption and repayment record, your credit will continue to increase.