In order to enable commercial banks to evaluate customers' risks more comprehensively, in addition to the credit information from banks, other information scattered in various government departments has gradually entered the credit information system of individuals and enterprises. Peng Huafei said that at present, there are public utilities consumption information such as tax arrears information, non-enforcement of court civil judgments information, wage arrears information, environmental protection illegal information, communications, water, electricity and gas bills, etc., which will be included in the information of the housing provident fund management center before the end of the year. All this information will be collected under the personal ID number.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.