Generally it is necessary to check, at least all will check credit.

Ctrip Financial is checking credit, as a formal licensed institution, Ctrip Financial cooperation of small lending institutions are basically with the central bank credit center access. Whether a borrower applies for a line of credit, takes out a loan or makes a repayment, it's all accounted for in a personal credit report. Of course, if the borrower of a Ctrip Finance is not on the credit, it is possible that the small lending institutions behind the central bank credit center has not yet access.