It's just that they all have something in common and their personal reputation is closely related. Whether it is a credit card or a loan, their reputation is closely related to the personal reputation of all financial businesses. Any one of them with a bad record will be implicated in other financial businesses.

Those who default on their credit cards more than six times or two times in a year will be written into bad records.

Supplementary answer: Yes, the two are irrelevant and do not conflict.