Impact on credit reporting: If the borrower applies for a loan but fails to repay it on time, the overdue record will be recorded in the credit reporting, which will affect personal credit reporting. If the borrower is overdue and applies for a loan again, the bank will examine the borrower's credit report more strictly, which may lead to the borrower being unable to obtain a loan or having to bear a higher interest rate.

Affect the borrower's credit rating: If the borrower complains about the loan software and gets a refund, this may have a negative impact on the borrower's credit rating. This is because the borrower's credit rating is based on his repayment history and debt level. If the borrower complains and gets a refund, it means that there may be problems with the borrower's repayment ability and the credit rating may decline.