Unicom Cloud Chain Finance is an Internet finance company that provides personal loans, credit cards and other financial services. When applying for a loan or credit card, Unicom Cloud Chain Finance will conduct a personal credit inquiry to assess the personal credit status and repayment ability. If an individual has a bad credit record, the application for a loan or credit card will be rejected, or the amount obtained will be low. At the same time, if the individual fails to repay the loan on time, it will also have a negative impact on the personal credit record.

Personal credit records have an important impact on the application and use of financial services such as loans and credit cards.