Hello, as a regular credit loan product under Suning Finance, willful loan is subject to the submission obligation in strict accordance with the credit management norms of the People's Bank of China. Therefore, at the meeting, the loan of willful loan will be collected and the repayment record of willful loan will be reflected in the credit report of the People's Bank of China.

It should be noted that consumer loan products are connected to personal credit information, which helps financial institutions to evaluate users' personal credit status and only truthfully feedback your historical usage records. As long as you repay the loan on time and there is no overdue, this credit record is "positive information" to help you apply for other loans.

There are three official ways to open Suning's willful loan, namely:

(1) Apply through Suning Financial App;

(2) Apply through Suning.cn APP;

(3) Apply through the official account of "Suning willful flower" or "Suning Finance" WeChat.