1. The amount shown in the online loan account may include interest, late fees or other expenses. Be sure to know the specific repayment amount before determining the settlement.

2. The amount shown on the credit report is usually generated according to the data provided by banks and other financial institutions, and they may not be updated immediately. Therefore, the balance in the online loan account may be more accurate than the amount shown on the credit report.

3. Need to confirm whether there are other overdue loans, especially those related to online loan accounts. If there are other outstanding loans, only paying off more than 800 yuan may not be able to completely settle your debt.

To sum up, before deciding whether to repay 800 yuan only, it is best to communicate with the lending institutions to ensure a full understanding of the loan amount, interest and expenses. In order to avoid adverse effects on personal credit, it is very important to handle and settle all debts in time.

Relevant information: According to the regulations of the People's Bank of China, the credit information system is a tool to record personal credit status. It integrates the data of various financial institutions to help assess personal credit risk. The accuracy of credit report is of great significance to personal loans, credit card applications and other financial transactions.