The personal credit information in the personal credit report issued by the Credit Information Center of China People's Bank is divided into two parts: loan information and credit card information. The loan information only shows the loans actually issued, but not the credit line. The credit card information shows the credit line and the actual use information. The main body of JD.COM IOUs is "Chongqing Liangjiang New Area Shengji Microfinance Co., Ltd.", and such microfinance companies are not qualified to issue credit cards. Therefore, the usage record of JD.COM IOUs is reported as loan information. If it is only opened and not used, it means that you only have the credit line and no loan information, so the credit record will not be displayed.

If you frequently contact the personal credit report, you will find that the loan information part shows that "the loan of XX yuan issued by XX Bank on XX, XX, will expire on XX, XX ...", which are all loans actually issued and used.

In addition, many people think that it is best not to have a loan record on the personal credit report, which is a misunderstanding. For banks, a person has never made a loan, so his credit status is difficult to determine and there is a certain credit risk. Really good customers are those who have made loans but never overdue. Such customers have borrowed and paid back, which shows that they are very trustworthy.