According to the query of Kangbo Finance, the non-credit transaction records mainly show some paid business information of non-credit business, mainly including some information such as water fee and electricity fee. Telecom arrears will have an impact on credit reporting. After the new version of the credit information system is launched, the personal credit information report will include public information, which will display personal tax arrears information, civil judgment records, execution records, administrative punishment records and telecom arrears information. Some cities have implemented the credit consumption system of water, electricity and mobile phone charges. Malicious arrears of utilities and mobile phone charges will also produce bad credit records, just like arrears of bank loans.