If the repayment is not made by a financial loan company, it will normally be included in the People's Bank of China's credit information, forming a record of bad credit information, which will be retained for five years after repayment, which will generally affect personal financial banking services such as bank loans and credit cards. Only by being sued to the court and entering the execution procedure will they be blacklisted by the court, restricting high consumption, affecting children's employment, high consumption in private schools, joining the army and applying for civil servants.