In 2020, the requirement of new civil servants' political examination and credit reporting is no more than two overdue records within half a year, and there is no overdue record. As long as you borrow money, credit card, overdue repayment, it will be found at any time, as long as you apply, you can find it. Now the IOUs and IOUs in JD.COM have been credited, and the repayment has not been made on time, which has affected the reputation, so we can't get a loan and work.