The time of atomic loan will be recorded in the credit report when borrowing by installments. Atomic loan installment is a loan product owned by 5 1 credit card manager. When applying for this loan, the borrower needs to have a credit card with six commonly used bills in it. At present, the loan product has been connected to the database of the Credit Information Center of the People's Bank of China, and the borrower's loan and repayment records will be uploaded to the Credit Information Center. The borrower is advised to repay the loan on time, so as not to affect personal credit.