Influence. Overdue online loans will be recorded in the bank's credit information system, and the applicant's credit status will also be examined when reviewing passports and visas for going abroad. If the applicant has overdue online loans, it will obviously affect his personal credit, and it will also have a certain adverse impact on his passport and visa to go abroad. Ping An Pratt & Whitney is the general name of the joint venture company of China Ping An Insurance (Group) Co., Ltd., which is engaged in financing guarantee, financing consultation, microfinance and other businesses.