Zhongtengxin also receives credit information, and users need to sign a loan agreement with Zhongtengxin. According to different ways of opening an account, if the bank makes a payment, it will of course receive a credit report, and if it does not use a bank loan, it will also receive a credit report at the meeting. Now the credit information system has been widely used in lending platforms.

If Zhongtengxin is overdue, the bad records will be reported to the credit information system, but for any formal financial company, the credit information will be collected at the meeting. When borrowing money, the company will tell the borrower the repayment period and interest rate, and repayment on the specified repayment date will not affect future loans.