Wechat payment will not be credited for every transaction. Credit investigation refers to the process that banks and financial institutions upload the personal credit records of lenders to credit investigation institutions for recording and scoring. As a payment tool, WeChat payment does not directly participate in the process of personal credit score and credit record. Therefore, the use of WeChat payment will not directly include the transaction behavior in the personal credit record.

Regarding the blacklist of online loans, it is true that not only overdue cases will be blacklisted, but long-term lending will also have a negative impact on personal credit. Long-term lending mainly refers to the recent application for loans by individuals. If they frequently submit applications to lending institutions, they may be considered to have greater repayment pressure and financial risks, and then be blacklisted for online loans.

If you are worried about your long-term loan situation, you can check your situation through the inquiry service of credit reporting agencies such as Kingfisher Data. If you find that your long-term loan situation is complicated, it is recommended to stop lending for a period of time and give yourself a buffer period. After three months, the risk index of re-applying for loans will be reduced and the blacklist may be lifted.