Chanting is a consumer credit product launched by Alipay, which does not directly report personal credit. The first thing you need to do is to get the information you need from the company, and then you need to get the information you need from the company. At present, personal credit mainly includes credit information from financial institutions such as bank loans, credit cards, home loans and car loans.

Although Chanting doesn't directly report on a person's credit history, Alipay reserves the right to report such information to the credit bureau if you are late in making a payment or are in default when using Chanting, thus affecting your personal credit history. Therefore, it is recommended that you repay your loan on time and avoid late payments or defaults in order to maintain good personal credit.

Summary: Chanting doesn't directly report on personal credit, but late payment or default behavior may affect your personal credit record.

If you're overdue for an online loan, you can get a big data report on your overdue record and categorize your online loans into formal and informal ones, and the ones that are creditworthy and the ones that are not. If you want to pay back the money but not enough funds, then negotiate with the online lending platform, prioritize the return of formal credit, reduce the impact on yourself.