The person who paid the bill is on the credit report. Bohai International Trust Co., Ltd. has been approved by the central bank and connected with the credit information system of the People's Bank of China. After bills are accessed into the credit information system, the credit information of customers with bills will be reported to the central bank's credit information system regularly. Therefore, Payman's customers need to repay the loan on time after using it, otherwise it will leave a credit stain on the credit information system. This means that overdue repayment may have a negative impact on the customer's credit history. Therefore, the bill payer is related to the credit information system, and customers need to keep good repayment records to maintain their credit.