Generally speaking, the loan contract is terminated after Gitzo repays the loan. But if the user needs to apply for a loan or credit card later,

You can ask Gitzo to issue a settlement certificate.

After the loan is over, if all the link certificates are issued, it will be considered the real end. In the future, as long as the settlement voucher is provided as a voucher, it can prove that the user's last Gitzo loan has been fully settled.