Although both loans and credit cards have the nature of borrowing, they have different effects on the credit information system. When borrowing small loan products, the loan information will be reported to the central bank's credit information system, so it will have an impact on the credit information system. Generally speaking, the loan situation will affect the approval of bank loans. A colleague of mine applied for a housing loan, and the bank found that he had borrowed money and asked him to repay the loan first. Generally speaking, banks will pay attention to your overdue loans. If the overdue period is serious, it will definitely have a greater impact. Even if it is not overdue, some banks think that your source of funds is not stable enough, otherwise you will not apply for a small loan.

Therefore, the loan record is unfavorable to the whole credit information system. If there is a record of overdue loans, it is a blank account. Credit card is a credit consumption product issued by banks, and credit card information will also be uploaded to the central bank's credit information system, so it will have an impact on borrowing from banks in the future. However, because credit card itself is a bank's business and is subject to strict risk control, the influence of credit card on credit information system mainly lies in whether it repays on time. As long as the repayment is made on time, the credit card has a positive impact on the credit information system.

One is that you can apply for a credit card, which means that the bank has confirmed your financial situation. The second is that the higher the credit card limit, the better your credit level. The third is to pay on time, which means you are more trustworthy. Only when your credit card has a serious overdue record will it have a negative impact on your credit report, which is worse than a blank account. The transfer delay caused by personal non-payment or transfer delay is not due to your overdue repayment time. On the contrary, when the money reaches the other party's account, it will be overdue due to the delay in transfer by various institutions. In addition, if your credit card has expired, the ant debit card will be closed because the central bank has been here. However, in most cases, when users forget to pay, it is usually more common to delay payment.