As long as it is not overdue or not paid back, it will not be credited. If you want to keep it for yourself and don't pay, Alipay will automatically deduct the money. If you untie the bank card and take all the money out for profit, you will definitely report it to the credit bureau. If the company is connected to the central bank's credit information system, the borrower will definitely have a bad credit record if he does not repay. On the other hand, if there is no access to the credit information system, overdue records will not be recorded in the credit information report. But now online loans have big data, and other loans will be affected once they are overdue.

So far, China people's personal credit information can be queried through two channels:

1. Bring my ID card or client's ID card and power of attorney, and provide my ID card to the credit inquiry window of the People's Bank of China to print personal credit records;

2. Open the official website of China People's Credit Information Center, match the mobile phone number with the registered account number of the ID card, and submit the personal credit information record inquiry application in the personal inquiry column. Usually, the mobile phone will receive the inquiry code from the credit information center within 72 hours. Open the official website login account of China People's Credit Information Center again, enter the inquiry code of SMS in the personal inquiry column to access personal credit information, and download and save a PDF document at the bottom of the page.

What about the credit report?

1, "Regulations on the Administration of Credit Information Industry" stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. When you handle new business, relevant departments will generally give priority to recent consumption and repayment records.

2. According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis, which cannot be tampered with. If you handle the loan/credit card business in China Merchants Bank, we will not make any bad comments on your usage records, but only truthfully feed back your historical usage records without any subjective judgment. If bad credit information has been generated and there is no doubt about the record, it can only be a good repayment habit in the future.